vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 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: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
Filed multiple disputes and requests to HMC Group for HIPAA authorization forms signed by me in wet ink. Neither the credit reporting agency nor the debt collection company has responded with requested documents per FCRA and FDCPA laws and regulations. This company was also SOS Group with I also sent multiple certified letters to requesting this same information and also recieved NO documents. A cfpb complaint was filed ( XXXX XXXX XXXX XXXX  which SOS Group ignored and this complaint was sent to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: MS

Complaint narrative:
Filed multiple disputes and requests to XXXX XXXX for HIPAA authorization forms signed by me in wet ink. Neither the credit reporting agency nor the debt collection company has responded with requested documents per FCRA and FDCPA laws and regulations. This company was also XXXX XXXX with I also sent multiple certified letters to requesting this same information and also recieved NO documents. A cfpb complaint was filed ( Complaint # XXXX ) which XXXX XXXX ignored and this complaint was sent to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: MS

Complaint narrative:
Filed multiple disputes and requests to XXXX XXXX for HIPAA authorization forms signed by me in wet ink. Neither the credit reporting agency nor the debt collection company has responded with requested documents per FCRA and FDCPA laws and regulations. This company was also XXXX XXXX with I also sent multiple certified letters to requesting this same information and also recieved NO documents. A cfpb complaint was filed ( Complaint # XXXX ) which XXXX XXXX ignored and this complaint was sent to the FTC.

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 2023-10-15 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: CT

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.

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 2023-10-15 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: CT

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.

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 2023-10-15 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: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
In Accordance with the Fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have a right to privacy.15 U.S.C 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open end as late for any purpose.

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 2023-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I have recently sold a used phone on a platform on XXXX XXXX XXXX XXXX  on XX/XX/2023. The total amount was {$1000.00} due to me via PayPal. 

PayPal flagged my entire account on XX/XX/2023, saying that it required " more information about my business ''. They have asked me to upload a copy of my id, where I get my " stock '' from with receipts, where I store my " stock '', and how my business works. I have promptly sent in all the documents by XX/XX/2023. I have also included the shipping information for the item, as requested. 

On XX/XX/2023, just within XXXX hours, they have decided that my account was in violation of their terms and services, without any explanation on why that is or any proof that I have violated any of their listed banned activities. 

I have tried emailing them through multiple email address, tried calling them, and tried using their own website to " resolve '' this issue, but it seems as though they want to keep my money for 180 days or longer, if ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-15 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: UT

Complaint narrative:
I HAVE TOLD XXXX & EQUIFAX THIS ACCOUNT IS PAST ITS 7 YEAR EXPIRATION DATE & THAT THEY'RE IN CLEAR VIOLATION OF THE FCRA LAWS. BOTH REFUSE TO REMOVE IT & DECLINE TO DO ANYTHING ABOUT IT BUT LIE TO THE CFPB TELLING THEM THEY CHECKED W/THE CREDITOR. THE CREDITOR HAS NOTHING TO DO WITH THIS BUT THEY DO NOW AS I INVOLVED THEM VIA THE XXXX & WILL INCLUDE THE FTC IN THIS EFFORT IF NEED BE. SEE ALL ATTACHED. AS YOU CAN SEE THE FTC SUED THIS LENDER FOR ILLEGAL LENDING PRACTICES JUST LAST YEAR! I'M CALLING THEM ON MONDAY TO LET THEM KNOW THAT I TOO WAS A CUSTOMER & SHOULD BE ADDED TO THIS SUIT. I PLAN TO LET THE FTC KNOW THAT THE BUREAUS ARE REFUSING TO REMOVE STALE DATED INFO FOR THIS CREDITOR FROM CREDIT REPORTS. THE FTC WILL CONTACT THE CFPB & THAT COULD INITIATE ANOTHER LAW SUIT AGAINST THE LENDER & BUREAUS! YOU'RE THE ONLY 2 STILL REPORTING THIS STALE ACCOUNT. CFPB JUST SUED XXXX XXXX FOR THEIR POOR QUALITY CREDIT PRACTICES. YOU SHOULD BOTH BE NEXT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I recieved a call today XXXX  XX/XX/2023 at XXXX. I politely requested multiple times prior and attempted to make the request again that this company, portfolio recovery associates, not call me on XXXX, before XXXX or after XXXX. They have not followed this request, and this time the employee went further and began to mock my request, at one point telling me " well I do work on sunday '' and that he can't and won't take my request because I wouldn't answer his questions he was asking. I asked for his name and employee ID and I am faily sure he gave me a false name and ID the name and ID given was XXXX XXXX employee ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: 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.

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 2023-10-15 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: PA

Complaint narrative:
I sent several letters out to XXXX  transunion and XXXX ask them to investigate the accounts on my credit report I have yet to receive any results According to 15 us code 1681 : a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been devel- oped for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating con- sumer credit and other information on con- sumers.

( 4 ) There is a need to insure that consumer re- porting agencies exercise their grave respon- sibilities with fairness, impartiality, and a re- spect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reason- able procedures for meeting the needs of com- merce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accord- ance with the requirements of this subchapte

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 2023-10-15 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: PA

Complaint narrative:
I sent several letters out to XXXX  XXXX  and equifax ask them to investigate the accounts on my credit report I have yet to receive any results According to 15 us code 1681 : a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been devel- oped for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating con- sumer credit and other information on con- sumers.

( 4 ) There is a need to insure that consumer re- porting agencies exercise their grave respon- sibilities with fairness, impartiality, and a re- spect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reason- able procedures for meeting the needs of com- merce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accord- ance with the requirements of this subchapte

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account Name : XXXX XXXX XXXX  Account XXXX XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : Account Name : XXXX XXXX XXXX Account 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 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 the following information items. 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. 



please close, delete and remove this account from my credit profile as it was opened and used without my authority as a result of identify theft and fraud

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 2023-10-15 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: GA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 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 2023-10-15 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I HAVE TOLD EXPERIAN & XXXX THIS ACCOUNT IS PAST ITS 7 YEAR EXPIRATION DATE & THAT THEY'RE IN CLEAR VIOLATION OF THE FCRA LAWS. BOTH REFUSE TO REMOVE IT & DECLINE TO DO ANYTHING ABOUT IT BUT LIE TO THE CFPB TELLING THEM THEY CHECKED W/THE CREDITOR. THE CREDITOR HAS NOTHING TO DO WITH THIS BUT THEY DO NOW AS I INVOLVED THEM VIA THE XXXX & WILL INCLUDE THE FTC IN THIS EFFORT IF NEED BE. SEE ALL ATTACHED. AS YOU CAN SEE THE FTC SUED THIS LENDER FOR ILLEGAL LENDING PRACTICES JUST LAST YEAR! I'M CALLING THEM ON MONDAY TO LET THEM KNOW THAT I TOO WAS A CUSTOMER & SHOULD BE ADDED TO THIS SUIT. I PLAN TO LET THE FTC KNOW THAT THE BUREAUS ARE REFUSING TO REMOVE STALE DATED INFO FOR THIS CREDITOR FROM CREDIT REPORTS. THE FTC WILL CONTACT THE CFPB & THAT COULD INITIATE ANOTHER LAW SUIT AGAINST THE LENDER & BUREAUS! YOU'RE THE ONLY 2 STILL REPORTING THIS STALE ACCOUNT. CFPB JUST SUED XXXX XXXX FOR THEIR POOR QUALITY CREDIT PRACTICES. YOU SHOULD BOTH BE NEXT!!!

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 2023-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
Recieved a copy of my XXXX Report and Noticed Inaccurate Information Regarding Fabco Reporting False Information From Original Creditor XXXX XXXX XXXX On XX/XX/2022. Under The Fair Credit Reporting Act FCRA Code XXXX Section XXXX States A Person Shall Not Furnish any Information Relating to a Consumer to any Consumer Reporting Agency if the Person Knows or Consciously avoids knowing that the Information is Inaccurate.In Which Pertaining to The Account XXXX Was Paid in Full By the Columbus Ohio Rental Assistance Program Via Application # XXXX onXX/XX/2022 and Application # XXXX onXX/XX/2022. All Association Needs to be Deleted From The Reporting Credit Bureaus and Files From Both Parties.

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 2023-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Regarding Mgr. XXXX XXXXXXXX and her Mgr is XXXX XXXX. I was mistreated and barrated by this woman and she wouldn't allow me to speak to her Mgr. My loan has since been charged off and my rights continually violated by Navient because their customer relations rep XXXX XXXX has repeatedly emailed me saying they are researching my complaint on XX/XX/ and XXXX The Private Student Loan Mgr, XXXX XXXX, continuously denied my request to speak to her supervisor and/or manager. She barated me and violated my Fair Debt Collection Act Rights. I informed her that I was at work and I asked about how the repayment program I was in was cancelled a month ago, but my bank account was drafted for the agreed amount that day? She refused to answer that question and so did her subordinate. Instead the Manager continued to tell me I wasn't a good person because I was bouncing checks all over the place and that she was a shareholder and it was affecting her. She never asked how and why I wasnt able to pay. I asked Customer Relations to please investigate and review the call. My name is XXXX XXXX, however my maiden name is XXXX and the co-borrower is XXXX XXXX.

Company response to consumer: Closed with explanation