vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: NY

Complaint narrative:
Subject : Formal Complaint - Incomplete Verification, Reporting Inaccuracies, and FDCPA Violation XXXX XXXX ending in XXXX XXXX I am writing to express significant concerns regarding XXXXXXXX XXXX  recent reinvestigation results on the account associated with my name. XXXXXXXX XXXX failure to provide essential account-level documentation, inaccuracies in verification, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) have led to severe consequences. 

XXXX allegedly verified information without furnishing necessary documentation, breaching 15 U.S.C. 1681s-2 ( b ) ( 1 ) and 15 U.S.C. 1681s-2 ( b ) ( 6 ) ( 1 ). Moreover, false credit information dissemination since about XX/XX/2022 has resulted in credit denials and harmed my record, indicating a breach of contract. 

I assert that XXXXXXXX XXXX  actions were willful and reckless, violating section 1681s-2 ( b ) of the FCRA. Additionally, potential FDCPA violations under 15 U.S.C. 1692e ( 2 ) ( A ) regarding late payments raise concerns about false representations of debt. 

XXXXXXXX XXXX failure to conduct a thorough investigation and inaccurate reporting have caused distress, lower credit scores, and credit denial. Alleged violations of 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) further compound these issues. 

I urgently request your attention to rectify these violations, safeguard my financial standing, and prevent legal action. Immediate corrective measures are crucial to restore accuracy and fairness in the verification process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX 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 2023-11-29 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: NY

Complaint narrative:
Subject : Formal Complaint - Incomplete Verification, Reporting Inaccuracies, and FDCPA Violation XXXX XXXX ending in XXXX XXXX I am writing to express significant concerns regarding XXXXXXXX XXXX  recent reinvestigation results on the account associated with my name. XXXXXXXX XXXXs failure to provide essential account-level documentation, inaccuracies in verification, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) have led to severe consequences. 

XXXX allegedly verified information without furnishing necessary documentation, breaching 15 U.S.C. 1681s-2 ( b ) ( 1 ) and 15 U.S.C. 1681s-2 ( b ) ( 6 ) ( 1 ). Moreover, false credit information dissemination since about XX/XX/2022 has resulted in credit denials and harmed my record, indicating a breach of contract. 

I assert that XXXXXXXX XXXX  actions were willful and reckless, violating section 1681s-2 ( b ) of the FCRA. Additionally, potential FDCPA violations under 15 U.S.C. 1692e ( 2 ) ( A ) regarding late payments raise concerns about false representations of debt. 

XXXXXXXX XXXX failure to conduct a thorough investigation and inaccurate reporting have caused distress, lower credit scores, and credit denial. Alleged violations of 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) further compound these issues. 

I urgently request your attention to rectify these violations, safeguard my financial standing, and prevent legal action. Immediate corrective measures are crucial to restore accuracy and fairness in the verification process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX 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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
My consumer report is showing that i owe {$6000.00} to rent recovery solutions For a service I did not receive nor did I commit to any sort of contract. 
I sent in identity theft reports, cease and desist letter, dispute letters signed and notarized, I spoke to an representative about this account prior and several inaccuracies was confirmed, The impact that this account has on my consumer report is very effective to my livelihood and children 's as well, When I contacted rent recovery solutions today XX/XX/2023 a young lady told me that they can't help me and refused to extend the helping hand to come with a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have one name and one address the company continues to report incorrect addresses after providing proof of my current address. I want all other addresses and names removed

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 2023-11-29 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: MO

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 that this limitation is the result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

I have been a loyal PayPal user for an extended period, consistently adhering to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me, and I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a comprehensive reevaluation of my case, carefully examining 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 relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I greatly appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-11-29 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: LA

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: IL

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I attempted to open an online account with BMO XXXX and the account was denied. The email sent with the declining of my application stated no reason and just stated the account was declined. I spent over an hour on hold this morning calling customer support, and they still could not tell me why the account was declined. We verified all the information and there were no typos or mistakes. This is very discouraging as I am a XXXX  XXXX XXXX employee, I also have stellar credit and no criminal history, quite frankly no reason why I should not be approved for any account let alone a CD. They basically told me there is nothing to be done.

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 2023-11-29 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fidelity National Financial, Inc
State: GA

Complaint narrative:
Per XXXX, Fidelity National Financial apparently had a cyber attack a week or so ago so they shut down all systems ( including subsidiaries ) for security reasons which in turn is preventing any customer to access any of their services until the issue is resolved. The main issue is there have not been any notices sent to ANY customer that I have been able to find including myself. I have been trying to call in and access the website for over a week and am unable to get any sort of response as it seems all systems are down with no reported XXXX for correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: Payfare International Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX and XX/XX/2023 my card was charged XXXX for a company called XXXX. My bank was unable to give me any information on this company. Ive tried XXXX  this company and can not find them. Ive tried contacting XXXX. Theyve never heard of them. I asked them to dispute these charges, and they refused. They said that they do not reimburse or cover any transaction used by XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This complaint submission is in regards to a false credit report by ( XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative whose name is XXXX XXXX was extremely aggressive and stated they will not cooperate in a XXXX XXXX. The representative continued to deny my request on information regarding the account. I then made another attempt and I was finally provided with the Fax number and mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice on XX/XX/XXXX of XXXX, was confirmed through FAX and CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by XXXX. XXXX XXXX has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and XXXX. XXXX XXXX is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.

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 2023-11-29 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: IN

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-11-29 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: LA

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-11-29 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: LA

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 section 604 a section 2 : it also states consumer reporting agency can not finish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedated the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency 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 2023-11-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
XXXX XXXX is the company they refused vehemently too help with repair on my XXXX  XXXX XXXX  with a known problem with throttle body and pedal position sensor that is a known problem and are trying too charge me the customer after numerous problems starting at XXXX miles the problem began, and finally, XXXX miles vehicle was left with same problem and General XXXX after filing complaint with customer service refuses too provide any compansation, or even help with rental while my vehicle was being repaired many other others thousands of people on XXXX have paid thousands of dollars for same repair on existing problem with motor train, problem please help make a general motors be held responsible for repair costs as it is not fair thousands of customers must brunt this repair cost due too known motor problem thank you for you help and consideration the claim with General XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i told them the late payment is not accurate dXXXX also XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: GA

Complaint narrative:
Unauthorized Credit Inquiries I RECENTLY RECEIVED A NOTICE THAT I WAS A VICTIM OF A DATA BREACH. 
I am filing a complaint with the CFPB regarding unauthorized and potentially fraudulent credit inquiries that lack proof of permissible purpose, as mandated by the Fair Credit Reporting Act ( FCRA ). These inquiries allegedly originated from the following Original Creditors : Alleged Creditor # Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief