vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Account Jefferson Capital XXXX XXXX {$3600.00} opened without my consent and knowledge on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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:
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. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXXXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 convictions of crimes which antedates 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: TX

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. 

Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 convictions of crimes which antedates 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 reporting 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 2024-02-28 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: FL

Complaint narrative:
Received a phone call from someone who said they were with XXXX and someone tried to open a new account in my name. They then handed me over to someone who said they were with your bureau and they said had my Experian credit report and started naming all my credit card accounts and how much I owed plus they had the last 4 numbers of my SS number. I hung up and tried to contact Experian on line by signing in but kept getting an error page. Tried calling but kept being asked to reverify my identity and they won't put me through to a live person to talk to. I've put freezes on the other 2 credit reporting companies but can't get through to Experian. I've even tried calling the phone numbers for their main headquarters but get the same recorded " help '' and the same run around.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received your letter, which was generated by a computer, informing me that you had stopped looking into my credit reports because you think I may have used a third-party credit repair firm. I think this is a flagrant violation of the FCRA as well as a stall tactic on your part to give you another 30 days to comply with my initial request. 

I requested an investigation into matters that I felt to be fraud, erroneous, and falsely represented in a letter sent to the creditors listed below on XX/XX/2023. I have yet to hear back from anyone. In my opinion, this is not just a delaying ploy to give me another 30 days to comply with my first request, but it also clearly violates 15 U.S. Code Section 1681i - Procedure in case of disputed correctness.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I requested an investigation into matters that I felt to be fraud, erroneous, and falsely represented in a letter sent to the creditors listed below on XX/XX/2023. I have yet to hear back from anyone. In my opinion, this is not just a delaying ploy to give me another 30 days to comply with my first request, but it also clearly violates 15 U.S. Code Section 1681i - Procedure in case of disputed correctness.

My credit file has been receiving erroneous and incomplete account information from your credit reporting organization. I'm upset.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-28 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-28 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: TN

Complaint narrative:
I have been a long standing customer with a perfect payment record to XXXX XXXX. I received an alert that I had been late on 2 payment occasions. I have been an auto pay customer since I can remember and pride myself on never missing a payment. This has thoroughly affected my credit score as I am trying to purchase a home for my family. I would appreciate if these can be removed and updated to pay in full. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: TN

Complaint narrative:
I have been a long standing customer with a perfect payment record to XXXX XXXX  I received an alert that I had been late on 2 payment occasions. I have been an auto pay customer since I can remember and pride myself on never missing a payment. This has thoroughly affected my credit score as I am trying to purchase a home for my family. I would appreciate if these can be removed and updated to pay in full. Thank you

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 2024-02-28 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:
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reports containing any of the following items of information. Any other adverse items of information, other then records of conviction of crimes which antendates the reports by more then seven years 15 U.S.C 1686-2 ( A ) ( 1 ) A person shall not any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal, whose actions have caused me significant financial and emotional distress. On XXXX XXXX XXXX, I opened a PayPal account to manage payments within a personal project. I transferred {$3400.00} USD to my new account, intending to use it as a secure and transparent way to pay for supplies and track expenses. 

However, shortly after, PayPal inexplicably and permanently limited my account, citing no specific violation of their terms and conditions. PayPal has told me that they will hold my funds for at least a shocking 180 days, leaving me completely unable to access my money. This decision is grotesque and unacceptable. PayPal is ignoring its obligations under the Consumer Financial Protection Act, a blatant disregard for my rights as a consumer of their service. 

To make matters exponentially worse, PayPal received a court order from a US judge demanding the immediate release of my funds. In a shocking display of defiance, PayPal has refused to comply, openly violating the law. 

Here are the facts of my case : Account limitation without cause : PayPal has provided zero justification for limiting my account, despite no illicit activity on my part. 
Frozen funds : My own money, {$3400.00} USD, is being held by PayPal with no recourse. 
Contempt of court : PayPal is actively ignoring a US court order to release my funds. 

My demands are as follows : 1. Immediate release of my {$3400.00} USD. 
2. Removal of the permanent limitation from my account. 
3. Transfer of my funds to my external debit card for full accessibility. 

PayPal 's unjust actions and disregard for the law have caused me severe hardship. I urge the CFPB to investigate this incident and hold PayPal accountable for their wrongdoing. I am prepared to pursue further legal action if necessary. 

I am happy to provide a copy of the court order, clearly demonstrating PayPal 's unlawful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC
State: FL

Complaint narrative:
At this time the Servicer Gregory Funding agreed to accept a new offer to continue with the short sale request, the previous offer was for {$460000.00}, the new offer is for {$480000.00} It is a higher offer from the same buyers that placed the {$460000.00} offer. The servicer did not request a counter offer amount, so I don't know if they will agree with this new amount. I am attaching the offer and the addendum of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my extreme dissatisfaction with the inaccuracies found on my recent investigation of my credit report. The discovery of unverifiable, invalidated, and inaccurate items has caused severe distress and emotional hardship. 

It is imperative to note that under the Fair Credit Reporting Act, all information reported on my credit profile must be 100 % accurate. However, the items in question appear to be in direct violation of this requirement, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

Your agency has a legal obligation to ensure the accuracy of the information it reports, yet it is evident that this standard has not been met in my case. I demand immediate action to rectify these discrepancies and bring my credit report into compliance with the law. 

Enclosed with this letter are copies of all correspondence previously sent regarding these matters for your reference and review. 

I expect a thorough investigation and prompt resolution of this dispute. Failure to address these issues satisfactorily will leave me no choice but to pursue further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/XXXX - Home Depot credit card statement received with three charges, two of which were fraudulent/unauthorized. Immediately contacted Home Depot fraud hotline to report unauthorized charges. Representative XXXX took report and cancelled card. 
XX/XX/XXXX - received confirmation letter from Home Depot acknowledging receipt of fraud claim and instituting investigation. 
XX/XX/XXXX- received another letter from Home Depot again confirming investigation proceeding and indicating they would contact for additional information. 
XXXX early XX/XX/XXXX - multiple phone calls made to Home Depot security operations regarding status of claim. Advised investigation pending and no request for further information from us. 
XX/XX/XXXX - received letter from Home Depot advising " facts and/or information reviewed does not substantiate the claim of unauthorized use of account and determined that we are responsible for the charges in question ''. Upon receipt of letter contacted security operations at XXXX requesting specific basis of denial and what further facts they are requesting from us. None requested but advised their records show a credit card was not used in questioned transactions. Representative indicated the investigation would be reopened. 

XX/XX/XXXX - Letter received from Citi-Home Depot indicating account is past due. 
XX/XX/XXXX - received EXACT SAME form letter from Home Depot as received on XX/XX/XXXX denying claim. 
XX/XX/XXXX - filed Identity Theft report with Federal Trade Commission ( report # XXXX ). Contacted XXXX at Home Depot Security Operations to advise of filing with FTC and received address and fax number for Home Depot fraud research department. Advised investigation again reopened. 
XX/XX/XXXX - sent fax to Home Depot Security Department XXXX with copy of FTC identity theft report. 
XX/XX/XXXX - mailed letter to Home Depot fraud research department ( as per attachment ) denying charges in question were made by us and demanding our file. 
XX/XX/XXXX - received letter from Home Depot confirming investigation again reopened. 
XX/XX/XXXX - letter received from Citi-Home Depot indicating account past due and threat information may be reported to credit bureaus. 
XX/XX/XXXX - letter from Citi-Home Depot requesting payment. 
XX/XX/XXXX - letter from Citi-Home Depot again requesting payment. 
XX/XX/XXXX - form letter received from Home Depot same as previous letters stating investigation does not substantiate our claim and we are responsible for charges and investigation complete. File never received as requested and no additional information requested of us. 
Numerous calls requesting payment ; relate to rep our denial.

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 monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I received {$1000.00} in bitcoins from my girlfriend. It was deposited straight into my Crypto Wallet. My goal was to cash it out to pay our bills. I have not been able to send, withdraw, or sell my Bitcoins. The app keeps saying " We can't complete this transaction right now ''. 

I've messaged their support team right away that night. Ever since that I've been getting no messages besides the same copied and pasted messages saying they have no control over their system but to try and logout and re-install the app. I've tried that as well and it did not help. Every day since then I've messaged them with screenshots- video recordings showing the issue. Not one resolution has been provided. I keep getting a new support rep that sends the same messages over and over. This has became an issue for me and my family. I am now going to be late on my mortgage payment since they are holding our funds with no resolution.

Company response to consumer: Closed with explanation