vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: NY

Complaint narrative:
I am writing to you as the holder of Mortgage account number XXXX XXXX  XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: AZ

Complaint narrative:
I am reaching out for your help regarding the account inaccurately reported on my credit report. This issue has been harmful to my reputation, and I need your support. The way my credit report has been treated has left me in a difficult position, as the incorrect reporting has damaged my reputation. You need to clear this misleading information 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 2024-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good Day Sir/Maam, I am humbly asking for your assistance in appealing the permanent limitation placed on my PayPal account XXXX I am a freelance virtual assistant and rely on PayPal to receive payments from my clients. XXXX XXXX after complying with a routine account review, I received a notification stating that my account was permanently limited due to being linked to another account with unresolved issues. I assure you that this is my only PayPal account, and I have adhered to all policies. 

My funds are currently on hold for 180 days, and I firmly believe I have not violated any regulations. The lack of detailed information regarding the limitation makes it difficult for me to address the situation. I would greatly appreciate your help in escalating my appeal, as I am confident there are no issues on my part. I am hoping that you will reconsider my request to review my documents again to reinstate my account since this is the only means I have to pay for my father 's medical expenses due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
I raised a dispute Report XXXX XXXXXXXX with Experian regarding incorrect mortgage balance reported by XXXX  XXXX I was not satisfied with Experian 's investigation of my dispute and closed the dispute with no changes to my mortgage balance. My mortgage balance was reported as XXXX when it should have been XXXX. I made mortgage payments on XX/XX/XXXX and XX/XX/XXXX and both were not reported to Experian. Experian did not investigate appropriately even though I provided the last mortgage statement XXXX XXXX XXXX XXXX that proves the XX/XX/XXXX payments and showing the mortgage balance as 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 2024-09-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate address listed on my consumer report. For the past XXXX months, I have contacted Experian about the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, which is not associated with any of my past or recent accounts. 

Despite my repeated attempts to resolve this issue, Experian has failed to correct this information. This situation is beginning to resemble the case of XXXX v. Experian XXXX XXXX XXXX XXXX, where inaccurate information caused significant distress to consumers. 

According to the Fair Credit Reporting Act, when a consumer disputes the completeness or accuracy of any item in their file, the consumer reporting agency is required to conduct a reasonable reinvestigation. I feel that Experian has not fulfilled this obligation in my case.

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 2024-09-26 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: AL

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against XXXX regarding the unauthorized reporting of my account as a charge-off on my credit report. I believe this action violates my rights under 15 USC 6802 ( Gramm-Leach-Bliley Act ) and 15 USC 1681 ( Fair Credit Reporting Act ). 

I did not authorize XXXX to report my account as a charge-off, and this action has negatively impacted my credit standing. The lack of proper communication regarding this significant adverse action raises serious concerns about compliance with federal regulations. 

Additionally, I request validation or proof of any written correspondence from me that would authorize XXXX to report this charge-off of {$620.00}. To my knowledge, I have not granted permission for such reporting, which further underscores the need for a thorough investigation. 

I urge you to look into this matter and assist in ensuring that XXXX rectifies the situation by removing the unauthorized charge-off from my credit report. It is essential for consumers to have protections in place against unauthorized negative reporting that can harm their financial well-being. 

Thank you for your attention to this important issue. I look forward to your response and any assistance you can provide in resolving this matter.

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 2024-09-26 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: CA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-26 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: GA

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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:
Subject : Dispute Regarding Prolonged Investigation and Inaccurate Accounts Dear Consumer Financial Protection Bureau, I am writing to formally dispute the handling of my credit report by the credit bureaus. It has been over 30 days since I initiated an investigation into multiple accounts that are not mine, and I have yet to receive any notification of the investigations results or an extension of the investigation period. According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to complete their investigation within 30 days and notify me of the results within XXXXive business days thereafter1. 

Despite this requirement, I have not received any communication regarding the status of my dispute. This lack of response leads me to believe that my information is being neglected and improperly used. I am deeply concerned about the potential misuse of my personal information and the impact it may have on my creditworthiness.

Additionally, I have identified multiple accounts on my credit report that are tied to incorrect Arizona addresses. I live in XXXX. I am confused. These inaccuracies are not only misleading but also detrimental to my credit profile. I request that the credit bureaus comply with XXXX XXXX standards to ensure that my personal information is not being improperly used and that all inaccurate accounts are promptly deleted from my report. 

I urge the CFPB to intervene and ensure that the credit bureaus adhere to the FCRA guidelines and take immediate action to rectify these issues. Your assistance in this matter is greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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:
Subject : Dispute Regarding Prolonged Investigation and Inaccurate Accounts Dear Consumer Financial Protection Bureau, I am writing to formally dispute the handling of my credit report by the credit bureaus. It has been over 30 days since I initiated an investigation into multiple accounts that are not mine, and I have yet to receive any notification of the investigations results or an extension of the investigation period. According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to complete their investigation within 30 days and notify me of the results within five business days thereafter1. 

Despite this requirement, I have not received any communication regarding the status of my dispute. This lack of response leads me to believe that my information is being neglected and improperly used. I am deeply concerned about the potential misuse of my personal information and the impact it may have on my creditworthiness. 

Additionally, I have identified multiple accounts on my credit report that are tied to incorrect Arizona addresses. I live in XXXX. I am confused. These inaccuracies are not only misleading but also detrimental to my credit profile. I request that the credit bureaus comply with XXXX XXXX standards to ensure that my personal information is not being improperly used and that all inaccurate accounts are promptly deleted from my report. 

I urge the CFPB to intervene and ensure that the credit bureaus adhere to the FCRA guidelines and take immediate action to rectify these issues. Your assistance in this matter is greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, 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 2024-09-26 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: NC

Complaint narrative:
I would like to dispute the following items on my credit report. 

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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: CA

Complaint narrative:
I entered into a legal agreement with XXXX, that the tradeline for my auto loan would be deleted from my credit profile with all XXXX credit bureaus ( Equifax, XXXX, and XXXX ). They initially deleted the tradeline and recently began reporting again. I am in the process of a major purchase and this has the potential to cost me a lot of money if it is not rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: GA

Complaint narrative:
When I checked my credit report this morning, I was alarmed to find accounts that I dont recognize, and I have no explanation for it. Ive always reviewed my credit report without any issues, but today there were unexpected discrepancies. I even refreshed the browser, thinking it might be a glitch, but the incorrect accounts stayed there. Im asking for a thorough check of the documents I submitted so I can put this stressful situation behind me.

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 2024-09-26 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 am asking for your help regarding the incorrect account showing up on my credit report. This issue has adversely affected my reputation, and I need your intervention. The way my credit report has been managed has brought me to my lowest point, as this misleading information has devastated my reputation. It is crucial that you remove this false data 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 non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
This company bought my information from XXXX XXXX XXXX and I did not give the credit card service provider any permission to sale my information. XXXX XXXX XXXX has wrote it off and insurance paid for it. There's no reason to sale. I checked the box do not sell my information while applying

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: PR

Complaint narrative:
Sallie mae private bank disbursement student loan for {$5000.00} on XXXX - XXXX XXXX without finish my student carrier begin to call for loan repayment. Struggling to repay my student loan, sallie mae. Interest rate continue to get higher without clear explanation for continue charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized 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

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 2024-09-26 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized 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 XXXXXX/XX/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 2024-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened my Capital One Secured Platinum credit card on XX/XX/XXXX, got my card XX/XX/XXXX. I got my first XXXX on XX/XX/XXXX. A few days later it was reported to my XXXX credit report only. it is now XX/XX/XXXX and my credit card has not been reported to my other credit bureaus... it should not take this long for it to be sent and reported. Usually within the first 30 days the credit card is reported to the credit bureaus. 


Attached are screenshots from ( XXXX XXXXa XXXX account ( XXXX ) ) and XXXX Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nelson Cruz & Associates LLC
State: AZ

Complaint narrative:
XX/XX/XXXX in the afternoon. Contacted corporate with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation