vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Subject : Dispute of Alleged Debt and Request for Validation Dear Sir/Madam, I am writing to formally dispute the alleged debt associated with your company, as well as to request validation of said debt in accordance with the provisions outlined in the Fair Debt Collection Practices Act ( 15 USC 1692 ), the Consumer Financial Protection Bureau ( CFPB ) regulations ( 12 CFR 1006 ), and the Fair Credit Reporting Act ( 15 USC 1681 ) .

In accordance with 15 USC 1692c ( c ), I am hereby requesting that all communications regarding this alleged debt cease immediately. Furthermore, I am invoking my rights under 12 CFR 1006 .34 ( b ) ( 5 ) to revoke any consent previously given for communication via email, text, or phone calls. Therefore, any further communication from your company should be directed solely through written correspondence to the address provided above. 

Per 12 CFR 1006 .34 ( c ) ( 4 ) ( i ), I am disputing the validity of owing any and all debts to Southwest Credit Systems. As such, I request that you provide verification of the debt, including but not limited to : The original creditor 's name and contact information. 
Documentation proving that Southwest Credit Systems has the legal authority to collect this alleged debt. 
A complete accounting of the alleged debt, including the original amount, any interest or fees added, and a breakdown of any payments made. 
Any agreements or contracts bearing my signature or other evidence proving my obligation to pay this alleged debt. 
Additionally, pursuant to 12 CFR 1006 .34 ( d ), I am formally requesting a copy of the purchase agreement between Southwest Credit Systems and the original creditor pertaining to the alleged debt. 

Finally, I am also requesting that you furnish proof of your company 's licensing and bonding, as required by law ( 15 USC 1681 - S 2 ( 7 ) ( A ) ). 

Please note that until the requested information is provided and the debt is validated in accordance with the above laws and regulations, any attempt to collect this alleged debt or report it to any credit bureau will be considered a violation of my rights. 

Thank you for your prompt attention to this matter. I expect a response within 30 days of receipt of this letter, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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.

Complaint narrative:
I have settled and fulfilled my debt consolidation back in XX/XX/2022. I am now applying for a credit line in my bank. My bank has shared that my credit score and credit standing is not really good. XXXX is showing that my score is XXXX but EQUIFAX is showing that my score is XXXX and still in collections and being delinquent. 
I have already already settled my debt consolidation back in XX/XX/2022, I have faxed a copy of certificate of full performance to both XXXX and Equifax and also have subscribed for credit monitoring on both bureau ; and I have been working hard to keep my credit in good standing and even subscribed to both agencies for credit monitoring because I am planning to buy a house. I am not delinquent and have been fully paying off my balances before the due dates. I have talked to Equifax several times to find out what's really wrong in my account, because all banks that I have come to apply for a loan and mortgage was telling me the Equifax is still showing me to be delinquent and with a score of XXXX?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
All payments under these accounts were paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
I am a victim of identity theft and would like for the files listed below to be reviewed. The details listed on the report is not mines and should be listed as fraudulent activities made on my report that wasn't of my knowledge.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

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 2024-04-08 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: NY

Complaint narrative:
I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like Equifax, XXXX, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information.

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to Equifax, XXXX, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

Equifax, XXXX, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that Equifax, XXXX, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations.

Regarding the removal of student loan information on the credit report, it's imperative to note that The Family Educational Rights and Privacy Act ( FERPA ), a federal law enacted in 1974, protects the privacy of student education records and applies to all public or private elementary, secondary, or post-secondary schools, as outlined under 20 USC 1232g ( b ). Therefore, the inclusion of such information on the credit report violates FERPA 's privacy protections. I demand removal of student loans off of my credit reports. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
This month I was 7 days late on making my payment. In that 7 days I received multiple text messages, multiple phone calls and multiple emails. In multiple occasions, I answered the phone and acknowledged who it was that answered. When I hung up the phone because I didnt want to speak with someone about my financial situation that is in a foreign country. I would get a phone with a few hours or less later even though I acknowledge who I am as I answered the phone. 

When speaking with a manager he laughed and said that it is goodleaps policy to collect any outstanding payments as well use any and all means to collect. Confirming their actions fall within the fair credit act. If I answer my phone and acknowledge who answered I can not be called again for at least 24 hours. If I discuss my account not again within 7 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: NC

Complaint narrative:
Ive been going back and forth with the credit bureau TransUnion, XXXX, XXXX, trying to get my credit report fixed but to no avail theres inaccurate accounts that dont belong to me that Ive noticed which is two XXXX  XXXX accounts that arent mine and XXXX XXXX  account that isnt mine either.Neither credit bureau does any complete investigation into this matter which frustrates me that I cant get help. This is causing me harm and is very detrimental for me to obtain credit.

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 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe this restriction is a result of a misunderstanding, as I have always followed PayPal 's policies and have not engaged in any unauthorized activities. 

Maintaining a positive and trusted relationship with PayPal is of utmost importance to me as a long-standing user. I am fully committed to addressing any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a comprehensive review of my case, urging a meticulous examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to resume using PayPal for secure and efficient financial transactions, just as I have done in the past. 

Thank you for your attention to this matter. I kindly request that you initiate the review process promptly. Should you require any specific documents or details from my end to facilitate this process, please do not hesitate to inform me. 

I appreciate your consideration and look forward to a swift resolution and the opportunity to resume using PayPal 's services. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: UT

Complaint narrative:
Beginning on XX/XX/2024 I tried to transfer the balance of my funds held in a PNC High Yield Savings Account into my personal XXXX XXXX  checking account which was already linked to this PNC account. The total balance of my account was {$78000.00}. An external transfer limit was placed on my account so that I could only withdraw {$25000.00} per month. I spent nearly 8 hours on the phone with various departments extending over a week. I was told on XXXX that a manager " XXXX '' was raising these limits so that I could transfer the remaining balance from PNC to XXXX XXXX  however this never occurred and the manager never contacted me as promised. I was told by XXXX XXXX in Executive Client Relations that a check was being XXXX XXXX XXXX to me on XXXX. To date the check has not been mailed to me, nor has it arrived at a XXXX  XXXX facility per the XXXX  XXXX tracking website. I called PNC bank Executive Client Relations team this morning XXXX and sent multiple emails to XXXX XXXX and XXXX XXXX and have not gotten a response. I was told when calling that there was no manager available to speak to me for many hours and that they would submit a request. I told this representative I was left with no choice but to start contacting regulatory agencies to intervene, yet still PNC bank has failed to provide me with access to my own funds totaling over {$53000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: MA

Complaint narrative:
Escrow shortage notice was never issued. Reported my account late to the credit bureau over a partial payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: CA

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-04-08 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: CA

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-08 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: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
I discovered that I was a victim of identity theft, multiple credit cards and loans were taken out in my name by changing my personal information and utilizing my social security number. I noticed Sofi bank visa card account showing on my credit report, it does not belong to me so I immediately filed a report on identiytheft.gov and sent a copy of the report to the credit reporting agencies and the original creditor. The card account came off my credit report for over a year, it recently showed up again. I contacted the credit agencies and Sofi bank directly, they have not responded to my requests and have not removed the incorrect information.

Company response to consumer: Closed with explanation