vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 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: MS

Complaint narrative:
I have recently disputed a XXXX XXXX as a fraudulent account which was a charged off auto loan. Unfortunately, the account is listed as a duplicate account on my credit file. Its now two charged off accounts with different account numbers. This goes against the FCRA laws, and Ill like deletion and action taking upon 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 2023-09-09 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: ND

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 29 It also states that a consumer reporting agency can not furnish an account without my written instructions

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX that the information listed below is reporting accurately after several disputes I sent with the basis of my dispute being their violation of the Gramm-Leach-Billey Act which states that they are to send NOTICE to customers and consumers like myself and that financial institutions should get my PERMISSION before they just blatantly begin to furnish my non public personal information without my consent. The ACA a trade group in your industry gives me even more confidence that your willful non compliance in this matter will help me to collect funds for damages that you have bestowed upon my family and myself without NOTICE! 


You may or may not be a member of ACA but I assure you they have been a key information source for those in your industry for decades. 

Do you have your safeguards in place in accord with ( GLBA )? 

Additionally, you state you are reporting accurately in your reply letter dated XX/XX/XXXX, in addition to your diregard for the Gramm Leach Billey Act in which you gave me no notice before violating my privacy rights violating Title15 USC 6802. 

Additionally, I would now like to dispute brand new information that is reporting inaccurately as well. 

These XXXX alledged accounts are at present reporting as XXXXast Due which is INACCURATE reporting on alledged collection account. 

I requested initially that you remove all XXXX of accounts as they should not be on my reports per ( GLBA ). 

Additionally, At this time I am disputing regarding Brand New information. 


XXXX XXXX XXXX - # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete it! 

XXXX XXXX XXXX - # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete It! 

XXXX XXXX XXXX # XXXX Reporting Past Due is inaccurate reporting on a collection account ..Delete it! 

XXXX XXXX XXXX # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete It! 

Please remove these accounts for inaccurate reporting. 

I am uploading partial copies of my credit reports showing the inaccuracies.

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 2023-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
I purchased a car via Exeter Finance in XX/XX/XXXX. The vehicle was purchased for around {$18000.00}. My payments were {$490.00} monthly. I discovered that Exeter was for many months was charging me {$490.00} in interest monthly. So after nearly two years of payments, I still owed almost {$17000.00}! The vehicle was totaled in XX/XX/XXXX. The insurance company paid off a little over {$14000.00} leaving a balance a little over {$2800.00}. I had purchased an extended warranty for the vehicle for {$3000.00} from which I expected a refund. I continued to make payments while waiting for the refund and Exeter was still charging me {$490.00}. 
XXXX in interest. By the time vehicle was completely paid for, Exeter had charged me almost {$1000.00} in interest on a {$2800.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I was making a payment on my Lowes card on XX/XX/23 and discovered my account was closed. I have not received a letter stating my account was being closed. I called Lowes Customer Service and was informed on XX/XX/23 my account was closed because I have too many accounts with high balances. Well who don't have credit cards with large balances at this time with this economy. I was okay with Lowes dropping my limit but to close my account entirely hurts my credit score.

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 2023-09-09 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:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek your assistance in resolving a pressing issue concerning my credit report. My name is XXXX XXXX, and I recently discovered several fraudulent accounts listed on my Transunion credit report. The accounts are listed below. 

These fraudulent accounts are negatively impacting my credit score and financial well-being. I have taken immediate steps to report the identity theft to the Federal Trade Commission ( FTC ) and have filed an identity theft report with the FTC. I have also contacted Transunion to dispute these fraudulent accounts directly. However, despite my efforts, Transunion has not removed these accounts from my credit report, even after verifying that they are indeed fraudulent. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter. I believe that the presence of these fraudulent accounts on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which pertains to the blocking of information resulting from identity theft. 

I respectfully request that the Consumer Financial Protection Bureau investigate this issue and work with Transunion to promptly remove these fraudulent accounts from my credit report. The continued presence of these accounts is causing significant harm to my financial standing and reputation. 

I greatly appreciate your attention to this issue and your assistance in resolving it as swiftly as possible. Thank you for your dedication to protecting consumers ' rights and financial well-being. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
On XX/XX/XXXX I sent {$310.00} to Mohela from my XXXX XXXX checking account. On XXXX XXXX side, it says Mohela deducted the money. The tag for that deduction is Department Education Studen Ln XXXX. In fact, the XXXX showed up as pending on Mohela 's side for several days then it disappeared without it going towards my balance. 

On XX/XX/XXXX I sent {$500.00} to Mohela from my XXXX XXXX checking account. On XXXX XXXX side, it says Mohela deducted the money. The tag for that education is Department of Education Student Ln XXXX. The XXXX dollars showed up as a pending payment on Mohela 's side for several days then this disappeared without it going towards my balance. 

On XX/XX/XXXX I sent XXXX dollars to Mohela from my XXXX XXXX checking account. On XXXX XXXX side, it says Mohela deducted the money. The tag for that education deduction is Department of Education Student Ln XXXX. The XXXX dollars showed up as a pending payment on Mohela 's side for several days then it disappeared without it going towards my balance. 

Keep in mind I am sending daily payments of XXXX and these payments are going towards my balance. So I am wondering why some payments are going towards my balance and others are not, especially my larger payments. I am nervous about sending payments to Mohela because they have demonstrated in the past that they lose money. I had to complain about them in XX/XX/XXXX when they could not find XXXX dollars that I sent to them for a loan payment. When I called, the supervisor hung up on me after waiting for over 90 minutes to speak with someone. I want to pay my bill and have great credit but again nervous about sending payments to Mohela who is known to lose payments. I need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
To whom it may concern, I got an email from XXXX XXXX XXXX XXXX who mentioned I owe " debt '' with PayPal. The XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I sold points/miles to the agent XXXX and I would like to get dollar from him. However, XXXX didn't have enough dollar. Therefore he found XXXX XXXX ( PayPal user : XXXX XXXX and XXXX XXXX ) to exchange currency through PayPal. In other words, the triangle transaction was that I gave XXXX points and XXXX gave XXXX XXXX, and XXXX gave my USD. On XX/XX/2022, a review occurred to my PayPal account, I made an inquiry of XXXX and found XXXX used credit card to make purchase through PayPal. I felt of concern because I was aware that this is a high risk transactoon and might trigger alerm of PayPal. Later on the same day, the review was lifted and I felt everything might be okay. On XX/XX/XXXX, two transactions on XX/XX/XXXX ( $ XXXX {$15.00} ) and XX/XX/XXXX ( $ XXXX {$15.00} ) were disputed by the PayPal account " XXXX XXXX XXXX and on XX/XX/XXXX another two transactions on XX/XX/XXXX ( $ XXXX {$15.00} ) and XX/XX/XXXX ( $ XXXX {$15.00} ) were disputed by " XXXX XXXX ''. At beginning, it seemed that XXXX tried to help while all the emails I drafted for him and asked his help to send to PayPal, and he always found find excuse to delay. I felt he maliciously eacaped from his liability and at the same time, it was very difficult to reach PayPal when my PayPal account was banned. I firmly believe I don't owe any single penny from PayPal. Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: IL

Complaint narrative:
On XX/XX/2023 I notified Experian about inaccuracies I discovered in my credit report, which are negatively affecting my creditworthiness and over all Finacial standing. These inaccuracies include violation of 15 U.S code 1681b ( a ) ( 2 ) which I requested that their agency cease furnishing information to any third parties without my written consent, as explicitly required by 15 U.S code 1681b ( a ) ( 2 ). Despite my repeated attempts to engage with experian and provide the necessary documentation to validate the discrepancies, I have yet to witness any substantial effort on their part to address these issues. This inaction has not only caused undue stress and frustration, but it has also directly impacted my ability to secure favorable terms, including loans, credit cards, and other essential financial services. Its under my understanding that as per The Fair Credit reporting act and other relevant consumer protection laws, credif reporting agencies are obligated to ensure accuracy and integrity of the information contained within credif reports. I believe that experian disregard for my repeated attempts to rectify inaccuracies within my credit report constitutes a breach of these legal obligations

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 2023-09-09 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: ND

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 29 It also states that a consumer reporting agency can not furnish an account without my written instructions

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 2023-09-09 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: ND

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 29 It also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Credit score dropped more than XXXX points, but my debt actually DECREASED by more than {$500000.00} when student loans were forgiven. This has happened before where my credit score is never accurately reported, nor is there a set formula to explain the drastic dips in credit that takes MONTHS to improve. In the meantime, I'm being offered more services from credit reporting agency. My credit score on all three bureaus should be over XXXX by now. This is predatory and unethical.

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 2023-09-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: PA

Complaint narrative:
To whom it may concern ; I have recently reviewed my credit report and had noticed huge discrepancies. I have noticed your agency, ERC, as a collector of debts, attempting to collect a debt I am not aware of. Back in XXXX I have reached out via email to recover proof of the original purchase agreement with signatures from all parties from ERC but never received a letter of debt validation from your agency. I believe you are legally bound to do so before collecting on said debt. I, as a consumer, has the right to validate and or dispute the alleged debt. If youd be so kind to provide me with a few things as proof of validation of the alleged debt owed and any late payments accrued I would greatly appreciate it. 
A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 
In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership, Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. 
Also include a full accounting history from the original creditor including the date and leading amount of each payment and the Date of First Delinquency to the collection status. 
lf any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 
Proof you are legally allowed to collect on alleged debt in the state of Pennsylvania, including collect on alleged Third-Party Debt Collection Bonds. 
Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including any copies of the original notice and any letter tracking your firm maintains. FTC vs XXXX XXXX XXXX make clear that it " debt parking without proper notices is a violation of consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: MI

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : List Name of the accounts with late payments along with their account numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Your companys is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: MI

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : List Name of the accounts with late payments along with their account numbers. XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Your companys is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My TD credit card had 3 unauthorized transactions from XXXX ( Total amount around {$130.00} ). Those transactions were posted to my account on XXXX I reported to the card company but the company declined my claim. The company said it could not determine those transactions were fraudulent. 

My card number is XXXX. Please see attachment for the detail of those 3 unauthorized transactions with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Credit score dropped more than XXXX points, but my debt actually DECREASED by more than {$500000.00} when student loans were forgiven. This has happened before where my credit score is never accurately reported, nor is there a set formula to explain the drastic dips in credit that takes MONTHS to improve. In the meantime, I'm being offered more services from credit reporting agency. My credit score on all three bureaus should be over XXXX by now. This is predatory and unethical.

Company response to consumer: Closed with non-monetary relief