vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$9500.00}

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 2024-01-24 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$9500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: CO

Complaint narrative:
On XX/XX/23, Complainant submitted a formal request for her account to be CLOSED, ( # XXXX ). Furthermore, she requested the DELETION of her personal data pursuant to the Colorado Privacy Act. The importance of comprehending a service request can not be understated because it leads to unnecessary frustration. 

Despite a clearly written request, Complainant received an email communication from one XXXX XXXX on XX/XX/23 requesting information to unfreeze her account. Evidently, the representative is struggling to understand plain XXXX. In the interest of clarity, Complainant was NOT requesting to unfreeze her account. Complainant is requesting CLOSURE OF HER ACCOUNT AND DELETION OF HER PERSONAL DATA, as she is no longer interested in an account with this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2024-01-24 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Per 15 USC 1681c-2, this is the statement that the information identified is not information related to any transaction made by me the 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 explanation
Consumer complaint received 2024-01-24 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Per 15 USC 1681c-2, this is the statement that the information identified is not information related to any transaction made by me the 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 explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
In mid XXXX or there about ; I received notice of a Collection on my credit report. The report stated it was from a debt owed to a XXXX 's XXXX company in the amount of {$110.00}. It also stated the debt was obtained in XXXX of XXXX! First I do remember beginning a purchase online but the purchase was cancelled immediately after I initiated it ( after reading reviews on the Company/Products ). I never received anything from XXXX XXXX ( which I believe was a kitchen dining set-not sure as I had just returned to my home after being away for nearly 8 years and I was remodeling and redoing everything ). At any rate I did not think anything of it ; until over a couple of years later I find this derogatory collection on my Credit Report ( XXXX ) : XXXX and XXXX. After several attempts to get clarity from XXXX XXXX I was instructed to reach out to XXXX XXXX ( the Collection Agency on behalf of XXXX XXXX ). I called numerous times asking for information regarding this {$110.00} debt I owe. I have only received non-sensical statements, with no content but available " payment offers ''. Nothing that shows I purchased anything or how this " debt '' was obtained. I want XXXX XXXX to remove this fraudulent debt from my Credit immediatedly. It is not a debt I am responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: NV

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-01-24 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: NV

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: FL

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: FL

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2024-01-24 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: FL

Complaint narrative:
In accordance with the Fair Reporting act 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: AR

Complaint narrative:
My mother has used my information to take out a mortgage in my name, without me knowing, and its been showing up on my account since 2022. I have never even tried to take out a mortgage, I rent a house. 

It is affecting my finances and credit and also any chances of my fianc and I buying a house of our own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I have obtained online a personal loan from XXXX XXXX XXXX XXXX in XXXX of XXXX, at that time I was getting paid for my XXXX from 3 Insurance companies, In XXXX of XXXX, one of the insurance companies stopped paying me and I lost more than 50 % of what I was getting to live on. 
I have contacted XXXXXXXX for help and payments reduction, but they refused to offer any kind of LONG TERM SOLUTION. 
Then in XXXX of XXXX they charged off my debt and ceased all their communications with me. 
Later that year I received ( In XXXX ) I received debt collection Letter from Spring Oaks Capital telling me that now I owe them money. I have indicated to them in writing that I have NEVER signed any agreements with Spring Oaks Capital, And per American Collectors Act they can not collect from me if I did not take funds from them!!! Also they can not report delinquency or collection account from Spring Oaks Capital as it would be double Jeopardy situation. I also send them Cease and Desist letter on XX/XX/XXXX and yet they are still reporting and contacting me in violation of The Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: IL

Complaint narrative:
Zions Debt Holdings has posted a collection action on my credit report with respect to an alleged debt owed in connection with an account I previously had with XXXX XXXX years ago ( Account Number XXXX ). That account was cancelled in XXXX ( in accordance with the terms of the agreement with XXXX ) and at the time of cancellation no amounts were owed. 

I supplied all of this information ( and more ) to Zions, including a copy of both the agreement I had with XXXX XXXX showing my right to cancel ) and a copy of the cancellation letter I sent to XXXX XXXX XXXX. I have also disputed this account with XXXX XXXX times already. However, in each case Zions continued to allege that the subject collection action was valid without suppling any supporting information whatsoever ; either to me or to XXXX. 

I

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PulteGroup, Inc.
State: TN

Complaint narrative:
In XXXX, we relocated to the United States and entered into a home purchase contract with the Pulte Group on XX/XX/XXXX. Subsequently, we initiated a mortgage loan application with Pulte Mortgage for the specified property. It was communicated from the outset that two W2s were necessary for loan approval, a standard requirement among mortgage companies. At the contract signing, the sales agent XXXX, Pulte Mortgage loan consultant XXXX, construction manager XXXX, and I agreed that the closing would not take place before XX/XX/XXXXXXXX XXXX given the availability of my second W2 after XX/XX/XXXXXXXX XXXX 
Until XX/XX/XXXX, there were no deviations from the plan, and all parties, including XXXX. XXXX and Mortgage loan Consultant, were aligned with the timeline. The limitation posed by the W2s was consistently emphasized, and this information was reiterated to XXXX and XXXX on numerous occasions. 
On XX/XX/XXXX, I received official notification from Pulte Group, stating that the closing was scheduled for XX/XX/XXXX. Expressing opposition to this date due to the absence of communication from the loan consultant, I initiated contact with the loan Consultant. Simultaneously, I informed the home building operations team about my inability to conduct financial due diligence regarding loan options. 
Crucial to the home closure is the mortgage with the Pulte Mortgage team. While I had an initial conversation with the loan consultant in XX/XX/XXXXXXXX addressing the overall process, there was no further communication until XX/XX/XXXX XXXX XXXX Despite assurances during the initial conversation, I did not receive the expected contact from the loan consultant approximately 45 days before the closing date as was promised to me initially. 
In response to our opposition, the vice president of operations for Pulte Homes in Tennessee sent threatening emails, insisting on closing the house by XX/XX/XXXX, and imposing penalties if not done by then. We communicated our lack of communication from the loan Consultant and our intention to exercise our right to explore fair mortgage deals by shopping for the best product, down payment, and interest rate. 
Following a follow-up call with the loan Consultant on XX/XX/XXXX XXXX XXXX to discuss loan options, he persistently recommended specific products, down payments, and interest rates, refusing to provide alternative options and wanting us to close on the home on XX/XX/XXXX with his recommended product. When questioned about the lack of contact 45 days before the closing date, he failed to provide a satisfactory response, emphasizing the builder 's desire to close by XX/XX/XXXX and refusing to discuss alternate options.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After carefully reviewing my credit report, I found several violations of the Fair Credit Reporting Act. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are considered to be a transaction. 15 U.S. Code 1666b - Timing of payments section ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given the option to opt out of having late payments post to my report. I currently show late payments of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I have made serval attempts to try to get this matter resolved. Further violation of my rights will result in legal actions. I also have a right to privacy.

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 2024-01-24 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: GA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXXXXXX XXXX  Balance : {$710.00}.

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 2024-01-24 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:
XXXX XXXX XXXX on XX/XX/2023 reported The amount {$13000.00} on my credit report violating the FCRA law 15 U.S. Code 1681n - Civil liability for willful noncompliance.

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 2024-01-24 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: GA

Complaint narrative:
XXXX XXXX XXXX on XX/XX/year> reported The amount {$13000.00} on my credit report violating the FCRA law 15 U.S. Code 1681n - Civil liability for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
XXXX XXXX XXXX on XX/XX/2XXXX  reported The amount {$13000.00} on my credit report violating the FCRA law 15 U.S. Code 1681n - Civil liability for willful noncompliance.

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