vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have inaccurate addresses on my credit report that I have no knowledge of

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Unauthorized fraudulent inquiries on my report that I submitted more than once with ftc report and they were not removed from my credit report. A collection account was added from XXXX XXXX and I dont have an account with the merchant ( XXXX XXXX ) that was listed on that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent some information to Equifax for an inaccurate account showing on my credit report. I have not received any communication from this company nor have I saw this account being removed. I asked for verifiable proof for this account and have not received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX sent me a bill that is not mines! 
They also put it on my credit which is illegal without my consent! 
Reached out to them and did an identity theft report and they refuse to remove it from my credit! 
They sent me back a statement which is not the correct spelling of my name my middle name only has one XXXX XXXX XXXX 
All support documents and my photo ID is attached!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Fraudulent inaccurate inquires on credit report for equifax : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account from unknown merchant XXXX XXXX  and I dont have an account with merchant ( XXXX XXXX ) that is listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I called this number XXXX. I googled XXXX and XXXX gave me this number, this place inserted a app called XXXX XXXX this was on XX/XX/XXXX. On Saturday morning XX/XX/XXXX, I saw a suspicious app calledXXXX XXXX I immediately googled it and it's a app where they can actually take over your phone. I have screen shots of what cash app has and a screen shots as to where the money went. At XXXX am they tried getting into my bank account again I have emails where the bank did not let them in. I have a photo of the app that was inserted on my phone.today they tried getting into my XXXX ID. XXXX declined them I have that email also. I did not authorize these {$470.00} withdraw or the {$30.00} XXXX XXXXXXXX. Cash app says that I authoriz d it. I did nothing to authorize this withdrawals Sir please investigate this, please try to get my money back. My ID number is XXXX. This is my second complaint on this since I gathered more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Great American Finance Co
State: WV

Complaint narrative:
On XX/XX/ someone applied for credit at Great American Finance using my name and Social Security number. This was for a purchase of furniture at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia. I reside in XXXX, West Virginia and did not purchase furniture or apply for credit from this store. I was only made aware when I received billing information in the mail on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: PA

Complaint narrative:
On XX/XX/, my final loan payment in the amount of {$88.00} was paid in full and on time as requested by Westlake Portfolio Management. I did not receive any correspondence after the final payment was made. 
In XX/XX/, I received a notification from XXXX XXXX, that my Westlake Portfolio Account was 90 days past due with a balance of {$4.00}. I immediately contacted Westlake Portfolio Management and advised that per their billing system, my final payment was {$88.00} and that I had already paid that balance, the customer service rep disagreed with me and advised that I owed an additional {$4.00}. I then demanded a detailed payment history, which was emailed to me on XX/XX/ XXXX XXXX from Westlake Portfolio Management. The payment history also states that my balance is {$0.00}. 
As of today, Westlake Portfolio Management is now incorrectly reflecting as a charge-off, with a past due balance of {$1400.00}, on my XXXX, XXXX, and XXXX reports. XXXX and XXXX are also reflecting an incorrect payment history ; XX/XX/ reflects as paid on time, then XX/XX/ is reflecting 90 days past due. According to all information listed above, my consumer rights were violated. After several unsuccessful disputes with the credit reporting agencies, I am asking that Westlake Portfolio Management, XXXX, XXXX, and XXXX, be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
When I checked my credit report, I had a negative mark that stated I owed {$1000.00}. to XXXXXXXX XXXX. The dates shown for services was in XXXX of XXXX or XXXX. I have always had medical insurance through XXXX XXXX and only go to XXXX XXXX when I go to a doctor or hospital. I tried talking to an associate from RashCurtis and didn't get anywhere with them, as they refused to communicate if I didn't provide all my personal information over the phone. The amount keeps going up and bringing my credit down. I tried to dispute this through the credit bureau only to have them say it was proven to be mine. When I try to communicate with them to find out how they came to this decision I get nothing in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: CA

Complaint narrative:
I am writing because, in the very early morning hours of XX/XX/XXXX I paid {$17000.00} toward my outstanding student loan debt ( see Exhibit A, account history by EdFinancial ). Later that morning, I received an email from the Department of Education informing me that I was eligible to have my student loans forgiven ( see Exhibit B ). I immediately contacted EdFinancial to state emphatically that I did not want to opt out of IDR forgiveness ( see Exhibit C ). 

Since then, I have been unable to obtain accurate information about when and how I will receive the refund of the {$17000.00} I paid on XX/XX/XXXX XXXX Exhibit A seems to indicate that the monies have been refunded, but that is not accurate. The Federal Student Aid website states that I will receive a refund through the same method through which I made my payments ( electronic ) ( see Exhibit D, printed on XX/XX/ ), but that is not accurate. The Federal Student Aid website also lists my loan balance as {$0.00} ( see Exhibit E ), when it is in fact XXXX 

I have had several emails from EdFinancial stating that the refunds will be issued by the Department of Education and the U.S. Treasury ( see Exhibit F ). Most recently, I received an email from EdFinancial directing me to go to XXXX  in search of information about my refund ( Exhibit G ). It was of no help at all. 

I very much need the refund of {$17000.00}, as soon as possible. Please advise what I can expect, and what steps, if any, I need to take to obtain the refund as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX sent me a bill that is not mines! 
They also put it on my credit which is illegal without my consent! 
Reached out to them and did an identity theft report and they refuse to remove it from my credit! 
They sent me back a statement which is not the correct spelling of my name my middle name only has one XXXX XXXX XXXX 
All support documents and my photo ID is attached!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
The amount owed the charge off amount written off and the balance owed does not make any since this company had an lawsuit to to the error in reporting the company is also reporting differently with all three bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
My name is XXXX XXXX, and I am reaching out to file a complaint against PayPal Inc. regarding the unlawful suspension of my account and a six-month restriction on my funds access. This action by PayPal has caused me significant financial inconvenience. 

Since the suspension of my account, I have been unable to access {$900.00}, which rightfully belongs to me. I have carefully reviewed all the PayPal terms and conditions and am confident that I have not violated any of them. Despite my numerous attempts to contact PayPal to resolve this issue, I have not been provided with any explanation or support. 

This action by PayPal has severely complicated my financial situation as I was relying on these funds for my daily expenses and commitments. Being denied access to my own money without any lawful justification is unacceptable and demands immediate intervention. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and assist me in regaining access to my account and funds. I also request an investigation into PayPal 's practices to prevent similar incidents with other customers in the future. 
my paypal email adress XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have an account named ( XXXX XXXX XXXX  ) on my credit report that has been cancelled for months now still havent updated on my credit report. Also I have so many inaccurate addresses on my credit report that XXXX wont let me dispute. Also I have a personal statement/ consumer report / fraud alert on my credit report I have been disputing these same items for months no RESPONSE OR ACTION HAS BEEN TAKEN. 
I was a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have an account named ( XXXX XXXX XXXX ) on my credit report that has been cancelled for months now still havent updated on my credit report. Also I have so many inaccurate addresses on my credit report that XXXX wont let me dispute. Also I have a personal statement/ consumer report / fraud alert on my credit report I have been disputing these same items for months no RESPONSE OR ACTION HAS BEEN TAKEN. 
I was a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have an account named ( XXXX XXXX XXXX ) on my credit report that has been cancelled for months now still havent updated on my credit report. Also I have so many inaccurate addresses on my credit report that Experian wont let me dispute. Also I have a personal statement/ consumer report / fraud alert on my credit report I have been disputing these same items for months no RESPONSE OR ACTION HAS BEEN TAKEN. 
I was a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted this company several times. Each time my request is the same. I requested the removal of comments from an account. 

This is a violation of FCRA!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please remove these files. 
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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief