vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
Per 15 USC 1681b - Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not authorize XXXX XXXX XXXX XXXX XXXX nor any Credit Reporting Agency to report any late payments to my report.

Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section XXXX of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

My request is to delete the late payments from my consumer report, being that XXXX, XXXX, Equifax, and XXXX is in violation of 15USC 1681. 

XXXX acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Per 15 USC 1681b - Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not authorize XXXX XXXX XXXX XXXX XXXX nor any Credit Reporting Agency to report any late payments to my report.

Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

My request is to delete the late payments from my consumer report, being that XXXX, Experian, XXXX, and XXXX is in violation of 15USC 1681. 

XXXX acct # 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 2024-02-08 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: CORELOGIC INC
State: FL

Complaint narrative:
I just see this inquiry on my credit but i not request any credit line from this people CREDCO

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please contact XXXX and Transition in reference to student loans on my credit report. After submitting a dispute and several phone calls since XXXXXXXX XXXX XXXX both reports remain incorrect. I request that the student loans are removed based on the PLSF program. I would also like am updated copy of my reports from both agencies.

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 2024-02-07 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
OnXX/XX/2023 I sent a request to validate an alleged debt that I discovered on my credit report because I was looking purchase a home. I requested documentation for my record also advised them if they satisfied my request that I would have no issues with satisfying the alleged debt.

I also said if they did not respond within 30 days that they were admitting to several violations. It has now been more than 30 days and because I wanted to remain honorable I am sending them an official notice of fault, just in case it was lost in the mail or they forgot to respond.

There is also an invoice that I sent regarding the violations that would be in-acted after 30 days of no response. I will have all documents attached with this filing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I, XXXX XXXX , compose this letter to you all exercising my Fair Credit Reporting Act rights as a consumer to dispute inaccurate information. The balance of {$15000.00} reported by National Credit Systems , Inc was purchased from my former apartment residence XXXX XXXX, who was lawfully informed that they could only sue me for past due rent. As stated in the court ordered judgement attached separately from this letter, the past due rent amount is {$7100.00}. I request that you CFPB also uphold the Fair Credit Reporting Act and effectively correct the balance reported by National Credit Systems , Inc on my credit report to that listed on the court ordered judgement between creditor XXXX XXXX & I.

Furthermore, according to the Fair Debt Collections Practices Act, National Credit Systems , Inc was not permitted to share information of my debt with any third party. Ive been contacted via mail with a false legal notice and by phone, harassed on several occasions by a representative of the law office of Attorney XXXX XXXX of XXXX, Georgia in attempts to collect the misrepresented balance of {$15000.00}. I informed the representative that I have no intention of resolving my balance with their office and that I will only make payments to National Credit Systems , Inc directly since they are listed on my credit report and not XXXX XXXX. 
In conclusion, I thank you all for your time and consideration. I trust that you CFPB will nonetheless accurately correct the balance owed to National Credit Systems , Inc on my credit report, enforcing the collections agency to abide by both the FCRA and FDCPA. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

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 2024-02-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

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 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I checked my credit and it shows an account for XXXX XXXX XXXX XXXX XXXX and amount for {$1000.00} owed that was not opened by me. I have never lived in New York and the credit company told me I should file a complaint through here in order to dispute this on my account. This again has not ever been my account and is fraud. The company Transworld systems is now trying to collect this fraudulent debt on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
bank America credit card account ending XXXX was accepted to a debt management program with XXXX on XX/XX/XXXX but they then reported it as a late payment past due in XXXX & XX/XX/XXXX thus affecting my credit score which dropped XXXX points from XXXX to XXXX. I HAVE PLACED A COPY OF THEIR LETTER PDF ON MY HOME XXXX & if requested can send it via email.

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 2024-02-08 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: AZ

Complaint narrative:
I just viewed my recent credit report from XX/XX/year> and I discovered some inquiries that I did not authorize and also have no permissible purpose, I have also attached the evidence. 

These inquiries have no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681b. 

XXXX ) XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XXXX XX/XX/year> 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I previously filed a complaint with the consumer financial protection bureau because they have kept my loans in forebearance for months and I am missing payments towards public service loan forgiveness. I have repeatedly asked them to remove it and they always say they will, but never do. When I filed a complaint here they told your office that they removed it and closed my complaint. I am submitting another complaint because they never removed it and I still have the forebearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-08 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have numerous inquiries reporting to my credit file that i do not recognize and need removed immediately. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTACHED IS FTC REPORT

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 2024-02-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX, a string of unauthorized purchases started occurring on my Paypal account. I noticed when the first one came, called Paypal and explained I was not doing it. They said " they'd put a stop '' and prevent further charges. Three more purchases came through. All was digital currency through their platform. I have never purchased digital currency- much less through Paypal XXXX The Paypal rep suggested I change passwords and helped me to file a dispute that he said would cover the issue ( it did not ). 

I worked with PayPal over several days and ultimately called my bank on the XXXX XXXX XXXXXXXX and explained the situation as well as PayPal was evasive and not helpful. They could not tell me how or why the charges occurred or why it was not an " unauthorized transaction '', despite the fact that I have never utilized any type of cryptocurrency. The bank agreed with me, sided with me, and put a stop to the charges. 

I had to change my account numbers- which means new debit cards and about 10 websites to correct. This took dozens of hours. 

I then attempted every method possible to work out things properly with PayPal through their website, telephone, XXXX, and XXXX. ( attached are some of the dispute numbers ). 

PayPal reported around {$3200.00} was taken. Since they were taking it from my bank account directly, I was able to stop it. I stopped about half of this and immediately withdrew what I could ( a check for {$200.00} or so ) from PayPal. PayPal froze about XXXX in crypto funds, which I allowed to be absorbed into the account. The account balance is negative about {$1700.00}. I still have the paper check for {$200.00} or so- which is theirs- but I do not wish to send it to them without verifying what is happening. 

In the end- I have the money that PayPal withdrew without my consent so my physical bank is not negative. 

PayPal is claiming that I owe them $ XXXX which I DO NOT. The company refuses to honor the " unauthorized transactions '' policy. I've spoken with them over the phone and sent signature required paperwork several times ( tracking numbers are available ). They are talking about taking the money to collections. If they take it to collections, I will take them to small claims court. This is beyond ridiculous. I will not rest until this balance is deleted. I do not care if I ever use the account again at this point. I was a customer since XXXX and the fact that they have treated me this way is beyond confusing. 

I want the negative balance gone from the account. It is not my balance, it was directly reported at unauthorized that very day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
XX/XX/22 [ {$1500.00} sent too debt collector i try to file a dispute the name is cmre financial services , inc from XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XX/XX/2024, I filed a fraud claim to Capital One for a total amount of {$3700.00} against company called XXXX. I've told them that the purchases made were in fact not made by me and that I specifically stated that it was my nephew who had been using my debit card to buy stuff from a popular game called XXXX. Capital one denies my claim based on stolen information given.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
American Honda Finance/Acura Financial Services are in violation of the following : 15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
American Honda Finance/Acura Financial Services has continued to report late payments on the consumers credit file. Despite its notice the debt amount reflects {$0.00}. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violation of the following : 15 1692c Title 41. Communication in connection with debt collection Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency. 

Consumer never consented or gave directly or indirectly permission for XXXX XXXX XXXX XXXX or XXXX XXXX XXXX to communicate with the consumer in connection with this debt. 

15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has continued to report late payments on the consumers credit file. XXXX XXXX XXXX XXXX, despite its notice to notify the Credit Bureaus to remove the item has continued to communicate the debt with the consumer. 



XXXX is in violation of the following : 15 U.S.C. 1681I failure to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information ... .. [ continued ] please see attachment " Request for Deletion 3rd Attempt '' 15 1692k Title 41. Civil liability These violations have been reported to the CFPB and this notice has been provided to all parties. The CFPB, by law, is responsible for protecting consumers from unfair, deceptive, or abusive practices and to take action against companies that break the law. 

Today, XXXX XXXX, 2024. The complaint filed on XXXX XXXX, 2024, with a resolution date of XXXX XXXX, 2024 is still pending ; despite XXXX update to the credit file on XXXX XXXX, 2024. Restitution for the violations have not been received or communicated to the consumer through the CFPB or XXXX.

Company response to consumer: Closed with explanation