vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently received my credit report from Experian on XX/XX/XXXX. And I saw some hard inquiries that do not have permissible purpose nor was I notified prior to them being added to my report. I also have provided evidence along with the names and dates of the hard inquiries. 

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/XXXX These inquiries have no permissible purpose to be on my report. Delete these inquiries due to violations of 15 USC 1681b.

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 2024-09-22 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:
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. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX and XXXX XXXX has violated my rights . 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
They have told me my account was under suspicious activity now then now there telling me that I owe them money when I didnt get a email saying I owed them they told me that I have too many accounts then froze my account and cant access my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
My name is XXXX XXXX I contacted you guys before about a XXXX credit card that I used to have I purchased some stuff and i didnt receive anything and XXXX  lied and said that they delivered the items to me when I wasnt home and the date that they told me i would receive the package they deliver the I teams 2 days earlier while I was out of state and when i contacted XXXX for them to do an investigation they did nothing but pick side with fedex against me and didnt even ask them to prove that the items was delivered to me because i didnt sign for anything and they say I did which is not true and now theyre trying to let me pay thousands of dollars for stuff i didnt get Im just asking you guys to not let them get me please theyre unfair and they should have done a proper investigation and they didnt to prove my innocence please didnt let them treat me unfair or take advantage of me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking to be as accurate. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: FL

Complaint narrative:
I took a loan with XXXX XXXX XXXX to pay for a vacation. I lost my job shortly afterwards, I lost my vehicle and my home as well. 

I have no money, unemployment benefits or any financial assistance. My family has shunned me due to my XXXX  and I have no friends due to XXXX XXXX as well as XXXX. 

I told them I was not able to pay, but they still reported to the credit bureaus but NEVER EVEN VERIFIED ANY LATE PAYMENTS AND I PAID THE ACCOUNT PRIOR TO BEING CHARGED OFF. 

THEY ALSO GOT BOUGHT OUT BY ANOTHER ENTITY THAT DOES NOT SHOW UP ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Collection account from PORTFOLIO RECOVERY A with account # XXXX and a balance of {$1300.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: TN

Complaint narrative:
This account ( XXXX XXXX  Account Number : XXXX ) was charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. On Experian the date last active is XX/XX/year> and on XXXX its XX/XX/year>. If the information is coming from the original creditor the dates should be the same. We can not say that these are XXXX  % accurate so it is deemed INACCURATE. Please delete these accounts from my 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 2024-09-22 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: AUTOMOTIVE CREDIT CORPORATION
State: NY

Complaint narrative:
I am writing to formally dispute the validity of the collection account referenced above, which has been inaccurately reported on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I request that you investigate this matter and remove any erroneous information regarding this debt from 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 2024-09-22 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: TN

Complaint narrative:
This account ( XXXX XXXX XXXX XXXX Account Number : XXXX ) was charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is XX/XX/year> and on Transunion its XX/XX/year>. If the information is coming from the original creditor the dates should be the same. We can not say that these are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my 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 2024-09-22 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: TN

Complaint narrative:
This account was charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is XX/XX/year> and on Transunion its XX/XX/year>. If the information is coming from the original creditor the dates should be the same. We can not say that these are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my 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 2024-09-22 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Ford motor company put late payment on credit report. Due to me being overseas/ dealing with military I was under Servicemembers Civil Relief Act This need to be off my credit or I will sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: NY

Complaint narrative:
The original agreement between us includes an arbitration clause that requires any dispute related to the validity of the debt or reporting to be resolved through arbitration. I demand that this matter be resolved pursuant to this clause and request that you initiate the arbitration process with [ Arbitration Provider : e.g., XXXX XXXX XXXX XXXX XXXX ) or XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX  ) ] within the timeframe specified in the agreement.

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 2024-09-22 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: SC

Complaint narrative:
On numerous occasions, I have expressed to TransUnion of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice of Each Violation.

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 2024-09-22 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 received a notification that a company had reported a new credit card on my report. I do not have a credit card with this company. When I contacted them they just told me to dispute it because it's probably just an error.

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 2024-09-22 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: DISCOVER BANK
State: NC

Complaint narrative:
I am writing to request your assistance in resolving a matter regarding my personal financial information. I believe there may have been an inadvertent error or oversight in the handling of my account with Discover. 

I am concerned that my personal financial information may have been shared with your agency without my explicit consent, potentially violating the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). As you know, the GLBA requires financial institutions to protect the privacy of their customers ' information and obtain their consent before sharing it with non-affiliated third parties, while the FCRA provides consumers with certain rights regarding their credit reports. any consent is hereby revoked. i ask that all information pertaining to my files and accounts be removed from consumer reporting agencies and non affiliated third party. 

Specifically, under 15 U.S.C. 1681a-4 of the FCRA, consumer reporting agencies are prohibited from furnishing information to third parties unless the consumer has authorized such disclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking to be as accurate. 

XXXX 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 non-monetary relief
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking to be as accurate. 

XXXX 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 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/year>, Discover offered me a pre-approval application without hard inquiry. However, Discover denied the pre-approval and placed a hard inquiry in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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  Has violated my rights. 

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 consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: NY

Complaint narrative:
I am writing to formally dispute the validity of the collection account referenced above, which has been inaccurately reported on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I request that you investigate this matter and remove any erroneous information regarding this debt from 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 2024-09-23 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
* Inaccuracy of the Debt : I dispute the validity of this debt, as the amount being reported does not accurately reflect my records. 
* Failure to Verify the Debt : Pursuant to the FDCPA, 15 U.S.C. 1692g ( b ), you are required to provide verification of the debt. I have not received proper verification of the debt as required by law.

* Violation of Credit Reporting Laws : Under the FCRA, 15 U.S.C. 1681s-2, you are responsible for ensuring that all information furnished to credit reporting agencies is accurate and complete. The continued reporting of this debt without proper verification or validation violates these requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: TN

Complaint narrative:
This account ( XXXX XXXX  Account Number : XXXX ) was charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is XX/XX/year> and on Transunion its XX/XX/year>. If the information is coming from the original creditor the dates should be the same. We can not say that these are XXXX % accurate so it is deemed INACCURATE. Please delete these accounts from my 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 2024-09-22 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: AZ

Complaint narrative:
XXXX Im disagreement with the account listed below which still appears to be on my credit report, even after investigation. I would like these items/accounts to be re-investigated. The inaccuracies are still being reported to my account and highly injurious to my credit score. 
XXXX XXXX Credit Card Account Number XXXX XXXX Balance is {$3700.00} Account Number XXXX XXXX {$4500.00} In accordance with the fair credit report act, public law XXXX, XXXX VI, Section XXXX, Subsection A-D, Please provide me the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send a copy of my updated credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
I have provided Experian Credit reporting Agency all necessary documents to have accounts due to identity theft remove/block from my credit file. I have also contacted the creditors involve nothing has been done. I have provided police report, sign notarized theft affidavit and FTC theft report several times I am reaching out to CFPB in order to have this matter resolve finally. I did not open these accounts listed on my credit file and I do not deserve to have these accounts remain on my credit report. Please assist me with this issue

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