vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received emails from XXXX XXXX XXXX XXXX and XXXX XXXX ( XX/XX/year> ) regarding changes to my accounts. When I viewed them, there were XXXX hard inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX. I had not made any requests for loans during this time. I also received emails from XXXX saying that my password had been changed. When I called XXXX, they stated they had no accounts for me. When I called XXXX, they had an loan application that was denied. They emailed me a Identity Theft Affidavit which I completed and emailed back to them. I called XXXX XXXX XXXX XXXX and they closed the loan application. Both of these creditors had applications using my correct SSN and DOB, but the email address they had listed was for XXXX. I went online to freeze all credit bureau reports and was successful in freezing the XXXX and TransUnion, but the XXXX had been changed to the login of " XXXX '' and I was unable to freeze that account. I called XXXX and advised them of the issue. After several hours on the phone, the account is locked. I was told that I needed to notify the FTC. I was informed that another creditor XXXX XXXX XXXX  had also posted a credit inquiry. I called them ( XXXX ) and they did have an application which she closed. I was told that I would be receiving forms to complete regarding the Identity Theft in the mail and to return. 
I am not complaining about XXXX. I am wanting the identity theft to be looked into. I may have picked the incorrect area to post this complaint - as I went to the next page and it is asking what company I am complaining about.

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 2024-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal has a policy of auto-receiving and auto-passing along " bills '' or " invoices '' from phishing/scam/fake billers who claim to be legitimate ( i.e. XXXX, XXXX XXXX, etc. ), onto PayPal consumers/users. I've received XXXX separate " auto forward bills '' from " XXXX '' and " XXXX XXXX '' that claim to be PayPal-linked and that i will be charged for whatever they are showing in the " bill '' in the last XXXX weeks. PayPal has a policy that if the consumer/user doesn't object to the " bill '' by a certain period of time ( usually 2-5 business days ), PayPal will charge the user/consumer digital wallet ( typically a credit card on file, mine is tied to my XXXX XXXX ). See reference : PayPal Invoice Scam XXXX XXXX XXXX XXXX XXXX. I've been trying to close my PayPal account because I figure if I close the account, I should stop getting fake PayPal connected invoices. Because I have an open dispute with XXXX ( XXXX XXXX XXXX around XXXX  and I didn't know it until recently ) and XXXX was tied to my PalPal wallet and someone hacked a hop-point ( Internet of Things devices in my house such a XXXX XXXX ) and ordered XXXX movies using my XXXX account. I closed my XXXX account and change the PayPal digital wallet-linked-card from XXXX XXXX to XXXX XXXX. XXXX recouped my money ( refunded me ) and closed the case then issued me a new card. XXXX said it was my fault because I had a linked device to XXXX ( which I don't recall doing, so I had to disable that ) so told me they were not refunding me. PayPal then just " let things happen '' ( when I discovered the auto-invoicing scam ). It was after I got back from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX so watch and scrutinize all my billing and digital activity ) that I started getting almost twice weekly fake invoices routed to/through PayPal. PayPal has auto-reacted ( each forwarded phish/fake invoice the XXXX  tool PayPal uses auto sends a response telling me the standard XXXX things ), but when I try to get a hold of a real person, I keep getting directed to a chat-bot. When I do get a response from I presume a human, it says " we are still working to resolve the issue '' ( the XXXX XXXX even though XXXX stated they " closed '' the case that occurred in XXXX ). I feel, because of what PayPal is allowing to happen within its own server-network, that it is an unwitting accomplice to criminal phishing and fake invoice scams which can potentially harm those less aware of such activity and that PayPal owes it to its consumers/users to do more to protect them from such scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XX/XX/year> I requested a purchase agreement, agreement to sell, or service agreement agreement with my signature between myself and said company. 
XX/XX/year> I disputed it with Experian after I did not receive proof of debt from each company. 
XX/XX/year> I mailed Experian, XXXX, and XXXX a letter requesting verification of debit XX/XX/year> Experian Verified the debit and said it would remain on my report XX/XX/year> I requested a verification method including dates, times, and how they verified the debt and disputed it again. 
On XX/XX/year>, I sent a certified letter to XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and Experian requesting a verification method. 
XX/XX/year> They sent another message saying my debt was verified with NO verification method and also opened a new online dispute asking for proof of service and method of verification XXXX I received a message from Experian only saying the dispute was modified and would remain on my report again, with no verification method given to me On XX/XX/year>, I demanded proof and verification of the debt from all three debt holders and credit bureaus, and XX/XX/year>, I received another message from Experian that the debt was verified without providing me with a method of verification XX/XX/year> I am reporting to CFBD and sending a letter to all companies notifying them of this decision to file a complaint.

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 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or about XX/XX/year>, I realized that I had overpaid my credit card bill to US Bank by {$5800.00}, which created a large suplus balance on my account. I called US Bank and asked them to initiate a refund on or about XXXX XXXX. 

As of XXXX XXXX, they have not done so. This is wrong on so many levels to the consumer, and it's likely happening to XXXX XXXX XXXX of banking customers per month at each bank. 

Here are what I see as points of anti-consumer behavior : * US Bank 's policy - I was told- is to NOT notify the customer of an overpayment. Why not? They are able to notify a customer if there is an unusual charge suspected of possible fraud on one 's credit card. But, they can not use such algorithmic detection and pattern recognition capability to notify us of an overpay - especially a big one? Why not? Just imagine you double-paid your landlord one month by mistake. An ethical landlord would quickly notify you of your mistake, asking " did you mean to pay 2x this month 's rent check, or was that an accident? '' A greedy and self-serving landlord would not, instead hoping that you forget it about it, move out, or maybe die. 

* US Bank takes an outsized amount of time to " review '' the refund. Why? Likely because it's to their beneift to slow walk the refund so they gain interest on it while in the bank 's possession, rather than the customer gaining interest on it while in the customer 's own possession. If XXXX customers overpay their credit card bill by just {$100.00} each month, US Bank gets to hold onto an extra {>= $1,000,000} dollars that month, earning interest on this aggregate multi-million dollar amount. Now just imagine all the other banks doing likewise to scores of consumers. Absent regulatory guidelines, banks are doing this to likely millions of accout holders * US Bank- once asked to transact a simple refund, took an outsized amount of time to execute it. Why would a refund take XXXX weeks? The answer? See bullet point above. 

This is anti-consumer behavior that needs to be regulated. In short, I've been begging and pleading by phone for the electronic refund and return of this money from US Bank over 9 phone calls with no less than 5 different reps and managers for weeks and weeks. Their only response is the equivalent of " the check 's in the mail ''. Meanwhile, they gain interest and the consumer suffers. I'm sure I'm not alone, and it's lack of regulatory policy that allows banks to behave in this manner. 

Simply put, they do it because it's in their self-interest and because there is no banking law that prohibits them from de-prioritzing consumer interest.

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 2024-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
This is complaint against the law offices of XXXX and XXXX XXXX. this would be regarding a car loan that was supposedly taken out in XXXX, I was in a major car accident of XXXX of XXXX and was hospitalized for a period of XXXX weeks. Prior to my accident I had XXXX car that was given to me and therefore I didn't need to buy another car. this law firm had a judgement put agains me for something that I have been fighting for years. I have asked them to send me documents so that I can try and fight this. At XXXX point they did send me the so call document that was signed and it was not my signature and I told thenm that. I was basically told to bad. I have been on XXXX since XXXX because of the accident. Pressler and Pressler calls me everyday and just will not budge on the issue of trying to help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Commencing on or about XXXX XX/XX/2024, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my M & T bank account to fraudulent investment firm ( XXXX )

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-08 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 have not Supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX. {$390.00}, XXXX Accept bal. {$4100.00}, XXXX XXXX bal. {$60.00}, XXXX XXXX. {$390.00}, XXXX XXXX. {$62.00}

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation