vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 USC 1681. W.S Badcock 636-63xxxxx,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. 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. The following inquiries were also opened under my social security number fraudulently. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX  This individual claimed to have XXXX XXXX puppies of XXXX XXXX. He asked for {$600.00} then proceeded to ask for money via gift cards for vet bills. I was supposed to pick up the puppy. However, yesterday and today, Sat XX/XX/2023, something went wrong to affect the pickup of the puppy. The deposits of {$300.00} were " fully refundable ''. I wired the funds to an XXXX XXXX. XXXX, his " accountant ''. First Installment : {$300.00} - XXXX XXXX XXXX ; Attn : XXXX XXXX XXXX Second Installment : {$300.00} - XXXX XXXX XXXX ; Attn : XXXX XXXX XXXX Final Installment : {$300.00} -XXXX  XXXX XXXX XXXX Attn : XXXX XXXX XXXX I had originally intended to purchase two puppies, XXXX XXXX XXXX XXXX. However, my sister-in-law changed her mind at the time. I was going to use this animal as a replacement XXXX  animal for my XXXX animal who passed a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: K STREET FINANCE, INC.
State: CA

Complaint narrative:
Mullen Finance, account # XXXX opened XX/XX/2018 and a balance of {$2500.00} on XXXX. 
This account is incorrectly reporting that I have 10 late payments. On my experian report there are 0 late payments being reported. I do not remember ever being late on this account. Please provide statements and records of all payments made and missed since I opened the account. This account is incorrectly being reported as a charge off account with a balance due. 
Please provide proof of the charge off and update the balance {$0.00} or delete negative payment status on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Transuion is unlawfully reported fraudulent INQUIRY that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that this is DELETED immediately : XXXX XXXX ( Finance ). XX/XX/2023 2023

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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Description of the problem : I have recently discovered that certain negative accounts that were legitimately removed from my credit report after a successful dispute have been re-reported by XXXX. 

Actions previously taken : I would like to point out that these accounts were previously disputed and removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Impact on my financial situation : The inclusion of this incorrect information on my credit report has had a significant negative impact on my ability to obtain favorable credit and loans. This has also affected my credit rating and consequently my opportunities to access essential financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I need all three credit bureaus to remove this fraudulent account I was hacked, My signature was hacked and my checking account by The XXXX XXXX XXXX XXXX XXXX and XXXX app. Defrauded my credit report with a charge of credit of XXXX and has stolen a total of XXXX from my personal checking account from my bank. I linked my bank account to The XXXX XXXX app and I made a mistake and my identity was stolen. I reported it to XXXX by phone call nothing was done. I closed the app and the spend and saving account deleted the app XX/XX/2023 made police report and filed complaints

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 2023-07-29 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: DE

Complaint narrative:
I hope this message finds you well. I am writing to submit an appeal regarding the permanent limitation that has been placed on my PayPal account ( XXXX ). I firmly believe that this limitation was a result of a mistake and I would like to present my case for re-evaluation. 

Firstly, I want to emphasize that I have always been a responsible and law-abiding PayPal user. To the best of my knowledge, I have not violated any of PayPal 's policies or engaged in any activities that could warrant such a severe action. I have been using PayPal for a considerable period, conducting legitimate transactions without any previous issues or complaints. 

I am kindly requesting PayPal to thoroughly re-investigate my account and the reasons behind this permanent limitation. It is my sincere belief that there has been an error or misunderstanding, which has led to this unfortunate situation. I genuinely value the services provided by PayPal and the convenience it offers, both to me and countless other users. Hence, I earnestly hope that the issue can be resolved, and my account can be reinstated as soon as possible. 

I understand that PayPal must take measures to ensure the security and integrity of the platform for all users. However, I humbly request a second look at my case, and I am willing to provide any necessary information or documentation that may aid in the review process. I truly value the trust and confidence that PayPal places in its users, and I assure you that restoring my account will not be in vain. 

In conclusion, I kindly appeal to PayPal to re-evaluate my account 's limitation and reinstate it if possible. I believe in the fairness and professionalism of PayPal 's support team and have faith that my case will receive the attention it deserves. 

Thank you for taking the time to review my appeal. I look forward to your positive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is an address showing on my Experian report that doesn't belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX It reported on XX/XX/2023 It was previously on my XXXX report but its since been 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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, 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: VA

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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

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.

The letters are stated with items and issues.

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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, 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: MD

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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I need all three credit bureaus to remove this fraudulent account I was hacked, My signature was hacked and my checking account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Defrauded my credit report with a charge of credit of XXXX and has stolen a total of XXXX from my personal checking account from my bank. I linked my bank account to XXXX XXXX XXXX XXXX and I made a mistake and my identity was stolen. I reported it to XXXX by phone call nothing was done. I closed the app and the spend and saving account deleted the app XX/XX/2023 made police report and filed complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, 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: MD

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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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.

The letters are stated with items and issues.

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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, I recently sent via certified mail a number of items on my credit report that I believe is being reported incorrectly. I sent this certified mail to Experian Credit Bureau from my local post office on XX/XX/2023 at approximately XXXX XXXX CST. 
On XX/XX/XXXX @ XXXXXXXX XXXX I received an email stating that my dispute had been completed and asked to view my results for the new and updated file # XXXX. While I did research thoroughly I was fully prepared to wait the 30 to 45 days for the results to come in via MAIL. Why? In my letter I did asked them to validate the accounts in which I wanted disputed, but I also asked that they send me their procedures used to validate the said debt. While I am sure they used the E-Oscar tool to complete this because on all items I challenged it said out to the side the following - 1. ) Information on this item has been updated. Please review your report for the details. or 2. ) The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details.

This brings me to the following questions to you CFPB.

1. ) How can they investigate this properly in 3 days? 
2. ) Why did they not send me and supply me with their means on validating the said debt?

3. ) If they did indeed contact anyone of the said creditors why would they update with correct information if it was reporting incorrectly previously? I thought if there were errors then they should be deleted according to the FCRA? 


I would like an explanation of these questions I have listed above in a timely manner, as this is not only affecting my credit profile but also my ability to gain employment. 

The rules cant apply for some and not everyone. As it relates to Experian, I do not need the canned message that you guys typically send following a complaint with the CFPB as you never follow up as it says and Im certain your hoping I will just go away!

I am also sending this to the FCRA and will seek general council as well.

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 2023-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Company never sent the requested documents validating the debt ( original contract with legible signatures ). Account closed with inaccurate information. XXXX 's terms and conditions for this account doesn't meet XXXX XXXX compliance requirements for credit reporting. Company failed to give proper notice of right to dispute. Notice to agent is notice to principal. Company is negatively harming my consumer credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation