vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: AL

Complaint narrative:
I am writing to file a formal complaint regarding continuous harassment from XXXX XXXX Acct. XXXX, demanding payment for debts I neither recognize nor authorized. I have no knowledge of this account. 

On XXXX XXXX I filed a report with the Federal Trade Commission ( FTC ) under 16 CFR Part 660, specifically 16 CFR 660.2 ( Identity Theft Reporting ), regarding these unauthorized accounts and the misuse of my personal information.

These creditors are contacting me concerning accounts I did not open and are sharing my personal information without my consent, in violation of my rights. This constitutes persistent harassment, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d ( Harassment or abuse ).

Furthermore, one of the three major credit bureau Equifax is refusing to investigate and dispute these inaccuracies, a direct contradiction of their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ).

Under the FDCPA, specifically the provision prohibiting debt collectors from engaging in any conduct that harasses, oppresses, or abuses individuals in connection with debt collection ( 15 U.S.C. 1692d ), these actions are a clear violation of my rights.

Furthermore, pursuant to 18 U.S.C. 1028 ( Fraud and related activity in connection with identification documents and information ), I do not owe any debt to these companies. They are also violating my right to privacy under 15 U.S.C. 1681b ( a ) ( 2 ) ( Permissible purposes of consumer reports ), as they have no permissible purpose to report or share any information regarding me.

I demand an immediate investigation into these matters and request that these unauthorized accounts be removed from my credit reports and that the harassment cease immediately.

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I received an email from PayPal, which I do not have an account saying they were charging me See message On Thursday, XX/XX/year>, XXXX XXXX, PayPaI Customer Care via XXXX XXXX wrote : Received from a suspicious email PayPaI Customer Care XXXX Weve identified an unauthorized transaction made from your PayPal account to Coinbase : Amount : {$750.00} Transaction ID : XXXX To safeguard your account and process an immediate refund, you must contact our Fraud Prevention Team XXXX XXXX XXXX ( XXXX ) XXXX Our representatives are available XXXX to assist you in resolving this issue and preventing any additional unauthorized activity. 

Your accounts security is our top priority, and were fully committed to helping you address this matter swiftly. We appreciate your immediate attention to this alert. 

Best regards, PayPal XXXX XXXX XXXX ( XXXX ) XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Here is the list of fraudulent inquiries : 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 2025-02-27 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:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My husband and I first purchased XXXX XXXX XXXX XXXX XXXX XXXX standard for {$8900.00} on XX/XX/XXXX, in XXXX XXXX, SC at an XXXX XXXX XXXX. We financed the entire amount. We were told that the timeshare would not only cover the cost of our vacations but would also increase in value, making it a wise investment for our children. 

On XX/XX/XXXX, we attended a new owners orientation in XXXX VA because we wanted to cancel our purchase. We had trouble with availability, and we could not easily reach customer service. We tried to book online. A lot of the rooms available seemed to be just hotel rooms and not resorts. The agents told us, during the seven-hour meeting, that what we had purchased before was not adequate for our vacation needs, but with additional points we would be able to stay anywhere. We purchased XXXX points, standard interest type, and first years use XXXX. The purchase price was {$16000.00}. We paid a down payment of {$960.00} and financed {$18000.00} at 16.5 %, These sales agents said that if we were not happy, XXXX would buy back the timeshare. We learned that there is no buy-back program and that sales agents are allowed to lie and misrepresent. 

After this purchase, we experienced the same issues concerning poor availability. When we contacted XXXX about the buy-back program, we learned that we had been lied to. There is no buy-back program, so I stopped payments at the end of XXXX because we purchased under false pretenses. It is unfair that the buyer of a timeshare does not have access to the booking site until after the end of the contract rescission period. We had no way of being able to learn about the poor availability by reading the contract, or within the contract rescission period. I have spent hours on the phone with XXXX customer service and was constantly told there was no availability. 

We have contacted several Attorney Generals and have made many attempts to cancel this Timeshare. The Attorney Generals Offices have told us they contacted the Company, and nothing is able to be resolved through those AG offices. The following is an article about XXXX frustrated XXXX members. There are also almost XXXX XXXX  complaints filed against XXXX. XXXX XXXX XXXX XXXX XXXX Unfortunately, Experian has drastically reduced my credit score due to this situation.

I want to file this complaint against Experian for Inaccurate Reporting and I am including the
11th Circuit Ruling. The following link is a ruling by the 11th Circuit Ruled that a Timeshare loan is a consumer credit, NOT a Mortgage. In addition to the ruling, both the XXXX and XXXX say a Timeshare loan is NOT a Mortgage. 

XXXX XXXX XXXX Thank You for your time. 
Sincerely, 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 2025-02-27 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: RI

Complaint narrative:
I am filing this complaint regarding the mishandling of my mortgage escrow account, which resulted in my property being placed at risk of auction due to unpaid property taxes. 
Property Address : [ Your Address ] Mortgage History : Purchased home in XX/XX/XXXX with XXXX  as lender. 
XXXX was transferred to XXXX XXXX  in XX/XX/XXXX. 
XXXX was transferred to Rocket Mortgage in XX/XX/XXXX. 
Issue : XXXX made a partial property tax payment in XX/XX/XXXX, covering only XXXX quarter. 
The remaining XXXX property taxes were never paid by any of the mortgage servicers. 
As a result, my home was scheduled for auction by my local government due to delinquent taxes and penalties. 
I had to pay over {$5500.00} in fees and penalties to prevent my home from being auctioned. 
Lender Responses : All lenders involved ( XXXX, XXXX XXXX, and Rocket Mortgage ) have denied responsibility and refused to assist in resolving the issue. 
Request for Resolution : I request an investigation into these mortgage servicers for their failure to properly manage my escrow account. I also request reimbursement for the additional fees and penalties I had to pay due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: AL

Complaint narrative:
I am submitting this follow-up complaint in reference to Complaint # [ XXXX ], where I requested the deletion of certain accounts within 15 days. I am unable to respond directly to the ongoing complaint, but I need to bring to your attention new concerns regarding Experians actions.

Despite my request for the deletion of the accounts, I have observed troubling behavior that warrants further investigation. Specifically, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX updated my credit information on the same day within 10 days of my dispute submission to Experian. These updates were made only to Experian and were not reflected in XXXX or XXXX, which raises concerns that Experian may have influenced these lenders or taken the matter personally.

Additionally, while these accounts were updated, they are still inaccurate and have not been deleted as requested. This further demonstrates Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) and resolve the issue appropriately.

I believe these actions violate the FCRA, and I request that this issue be investigated thoroughly. I have provided evidence of the updates, and I respectfully ask that Experian be held accountable for their role in potentially coercing lenders to make these updates.

Furthermore, I previously stated my intent to file a lawsuit against Experian on XX/XX/year>. However, since that date falls on a Saturday, I will now be filing on XX/XX/year>. Please update my complaint to reflect this change.

Please consider this follow-up as part of the original complaint process and take it into account as you continue investigating.

Thank you for your time and assistance.

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 2025-02-27 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:
Transunion Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXX are inaccurate and must be 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
TransUnion, Equifax, and Experian are reporting information that has been charged off and the debt has been canceled, 1099C has ben issues by lender. Income can not be reported on credit report. This is in violation of the provisions set forth in 15 U.S. Code 1692e - False and misleading representation and I do not consent for my information to be shared with these agencies.

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 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: WA

Complaint narrative:
Systems & Services Technologies ( SST ) has been calling me every single day and leaving voicemails on the following dates : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), and previous months as well. These calls occur at different times of the day from different numbers which I have documented. This frequent and persistent contact appears to violate the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692d ), which prohibits harassing or abusive collection tactics. 

In addition to the calls, SST has been emailing me every day, stating that I must pay {$290.00} to bring my account current. When I spoke to them on XX/XX/XXXX, they demanded an unreasonably high amount to settle the account.

SST failed to provide a proper written debt validation letter as required by the FDCPA ( 15 U.S.C. 1692g ), yet they pressured me to pay additional daily fees when I inquired about a final payout amount.

Their failure to disclose all payment terms in writing and attempts to charge additional fees without transparency could also be an unfair or deceptive act, potentially violating the Federal Trade Commission Act ( 15 U.S.C. 45 ).

Additionally, SSTs website lacks proper security measures, making me uncomfortable providing my banking details, which raises consumer data protection concerns.

Given these issuesharassment, misleading payment demands, lack of proper documentation, and potential security risksI believe their practices warrant an investigation. I request the FTC to review SSTs collection practices for compliance with federal laws and take appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: KY

Complaint narrative:
Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 2. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 
4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days.

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 2025-02-27 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
I am writing to formally dispute several hard inquiries on my credit report, some of which I did not authorize. My personal information was sold while I was shopping for a mortgage, leading to multiple credit inquiries that have negatively impacted my credit score. I have already reported this fraudulent activity to the Federal Trade Commission ( FTC ) for further investigation. I've attached a list of all unauthorized hard inquires below.

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 2025-02-27 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-02-27 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief