vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: IL

Complaint narrative:
This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I open a credit card with capital one. The credit is {$500.00} and I have been keeping up with the payments. I payed off most of the fees leaving me with {$200.00} balance. After failing to make the next payment my fees increased. I made a payment of {$50.00} which is what I had I was not able to pay anymore at the moment. I woke up the next day and the company charged my account {$40.00} in past due fee. I asked for this charge to removed and the company did not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XXXX XXXX around XXXX. I notice a payment of {$6000.00} was drafted out of my bank account from PayPal. I tried to log into my PayPal account to see where these charge are for however I wasn't about to log into my PayPal account due to it being hacked. The next XXXX XX/XX/XXXX I called PayPal to find out what is going on with my account. My account was hacked and a PayPal Credit card was open in my name with out my consent.

According to the 15 U.S.Code 1681 law there should not be any damaging on my report. this is negative to my character

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 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit inquiries that I did not authorize: XXXX XXXX   XXXX/2023
XXXX XXXX XXXX XXXX/2023
XXXX XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX  - XXXX/2023
XXXX XXXX -  XXXX/2023
XXXX XXXX XXXX XXXX/2023
XXXX   - XXXX/2023
XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX XXXX. - XXXX2023
XXXX XXXX XXXX - XXXX/2023 XXXX XXXX XXXX - XXXX/2023 XXXX XXXX XXXX - XXXX/2023
XXXX XXXX XXXX XXXX XXXX XXXX/2023
XXXX XXXX XXXX - XXXX/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 explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit inquiries that I did not authorize:

XXXX XXXX  XXXX/2023
XXXX XXXX XXXX. XXXX/2023
XXXX XXXX XXXX XXXX  - XXXX2023
XXXX XXXX - XXXX/2023
XXXX XXXX  -  XXXX2023
XXXX XXXX XXXX. XXXX/2023
XXXX   - XXXX/2023
XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX XXXX - XXXX/2023
XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX XXXX XXXX XXXX -XXXX/2023
XXXX XXXX XXXX - XXXX2023

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 2024-04-12 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-04-11 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: NJ

Complaint narrative:
please investigate. please update late payment on this account to paid on time or paid as agreed. please see attached. 15 usc 1666b- timing of payments 15 usc 1681g -, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this account listed above that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of this disputed account then please update late payment or paid as agreed. immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). please UPDATE ALL LATE PAYMENTS ON THIS ACCOUNT TO PAID ON TIME... i did not give permissible purpose/ did not given written instructions to furnish this on my consumer report. 1681b ( a ) ( 2 )

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 2024-04-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
This erroneous late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I implore you to rectify this error promptly by removing it from my account, as it does not accurately reflect my payment habits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
I have requested information from this company proving that they own this debt. They responded with a letter and the old bill attached to it from the original creditor. Nothing that proves that they own this debt and collect on it as I requested. I called the original creditor and they told me that they no longer service this debt. I also called them and asked them flat out if they owned this debt and they refused to answer. They did not provide the information I requested within the 30 day time period. I have disputed this with the credit reporting agencies and it came back as valid. This company is failing to provide the proof and evidence under 15 USC 1692 and 15 USC 1692 ( f ) in this alleged matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery reported me to XXXX XXXX credit bureau for XXXX different accounts. XXXX of the account is {$1000.00}, the other is {$320.00}, and the is {$1300.00}. I have never done business with Portfolio Recovery, I have never signed any contract with Portfolio Recovery, and I certainly have never given my consent to Portfolio Recovery to place fraudulent information in my credit report at XXXX XXXX. I value my right of privacy. Portfolio Recovery has violated my right as a free man. I repeatedly demanded that portfolio recovery provided me proof that I ever entered into a contract with them, I ever gave them the authorization to put any information in my XXXX XXXX report, and provided me proof and verification of the debt claimed against a free man. I have never received a response from them. Portfolio Recovery clearly violated my right of privacy, my right of freedom, and etc .... I demand that Portfolio Recovery cease to publish false, misleading, and fraudulent information about me to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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:
TO WHOM IT MAY CONCERN.

I am writing to let you know that I recently received a copy of my credit report that your company publishes. I have disputed before and you all failed to block/delete and provide proof of validation for these accounts that do not belong to me.

Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are attached to my identity theft report. All the accounts are not mine and I am a victim of identity theft. Please respond within the time allotted to the FCRA for identity theft laws.

Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my file.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My personal statement reflects my unwavering commitment to ensure accurate and fair representation of my financial history. Under the fair credit reporting act, I advocate for the removal of inaccurate or outdated charge offs listed in this form from my credit report. I believe in the upholding my rights to accurate credit reporting fostering financial transparency and demonstrating responsible financial management. The accounts listed in this report should not be reflected on my consumer report as they violate my rights as a federally protected consumer according to 15 US code section 1681-E 1681-I and 1681S-2. I've request a thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit report and my consumer credit history

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 2024-04-11 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: GA

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.

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 explanation
Consumer complaint received 2024-04-11 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: GA

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.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My personal statement reflects my unwavering commitment to ensure accurate and fair representation of my financial history. Under the fair credit reporting act, I advocate for the removal of inaccurate or outdated charge offs listed in this form from my credit report. I believe in the upholding my rights to accurate credit reporting fostering financial transparency and demonstrating responsible financial management. The accounts listed in this report should not be reflected on my consumer report as they violate my rights as a federally protected consumer according to 15 US code section 1681-E 1681-I and 1681S-2. I've request a thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit report and my consumer credit history

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My personal statement reflects my unwavering commitment to ensure accurate and fair representation of my financial history. Under the fair credit reporting act, I advocate for the removal of inaccurate or outdated charge offs listed in this form from my credit report. I believe in the upholding my rights to accurate credit reporting fostering financial transparency and demonstrating responsible financial management. The accounts listed in this report should not be reflected on my consumer report as they violate my rights as a federally protected consumer according to 15 US code section 1681-E 1681-I and 1681S-2. I've request a thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit report and my consumer credit history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: Opportunity Financial, LLC
State: IL

Complaint narrative:
I am writing to complain to OPPORTUNITY FINANCIAL about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX sent a background check from the company First Advantage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Advantage received an incomplete form XXXX XXXX XXXX XXXX XXXX  ) and requested that XXXX XXXX resubmit the form in order for the screening process to occur. XXXX XXXX resubmitted the form on XX/XX/XXXXXXXX XXXX First Advantage was contacted through their chat system and advised XXXX XXXX to resubmit form that was sent to him through email. It states within the background check that XXXX XXXX was contacted but there was no response. That is false. The required documentation was submitted on the same day said information was asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
on XXXX i scheduled a transfer with XXXX XXXX  to pull funds out of my marcus Goldmansachs XXXX. I received an email from XXXXXXXX XXXX  on XXXX XX/XX/2024 saying Marcus blocked/rejected the transfer, that was when i called Marcus GS and verified all information as well as them sending me codes to my phone number to authenticate me. they proceeded to say they blocked my transfer because I couldn't transfer my money as it was a new account ; the account was only 24 days old. I disagreed with that as i don't believe there is any law stating they could hold my money hostage the waiting period was over and all funds in there were available. So I asked them to close my account and return my money. They confirmed my account will be closed and over {$50000.00} that was sitting in that account will be transferred to the external account I transferred it from but instead the next day they locked me out of my account and have been giving me the run around the last two times i called. I called again this morning now they are claiming that my phone number which they have authenticated multiple times all of a sudden they cant verify it is mine anymore and thats why they dont want to give me back my money and have locked me out of my account so i cant schedule the money to be moved out of there. They then proceeded to ask for my DL which i provided & i was told my DL has been verified but it will take them a few more days to give me access to the account to move my money out of it. this shouldnt be the case i am not sure why this bank is making it hard for people to get access to their own money. when they were pulling money via ACH out of my other accounts it wasnt difficult now they are also claiming they cant verify the discover bank that they too {$40000.00} out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XXXX and XX/XX/2024, I requested mailed correspondence regarding the removal of the collection account for XXXX XXXX XXXX, and I also sent a letter on several occasions, verifying my full name address and requested that any other information that is posted that is NOT my current information be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: Nelnet, Inc.
State: PA

Complaint narrative:
I have a discharge of my student loans attached to the complaint showing the student loans have been discharged over 3 months ago and still XXXX, XXXX, and XXXX never removed the student loans from my reports.

Company response to consumer: Closed with explanation