vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
This is their last chance before I proceed with litigation. I had previously requested that I'd be opted out of credit reporting pursuant to 15 U.S. Code 6802. This company had denied my right to opt out which violates my right to financial privacy of my nonpublic information and claimed that my dispute letters were automated. I also sent a letter to cease all communications as stated in the procedures of the Fair Debt Collection Practices Act which includes both direct and indirect communication on ANY medium. Consumer reporting is an indirect medium to which this company is using to communicate with me and to this day it is still on my report. See attached exhibit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
Hello, XXXX told me my loan forgiveness through XXXX vs XXXX was approved. My loans however are still on my credit report. Could you please assist? 

Also, an incorrect lender ( XXXX XXXX XXXX ) was on XXXX of my reports. I only had federal loans so I am unsure why this was the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: IL

Complaint narrative:
Privacy and consent not given on reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I am a victim of identity theft.

In accordance with the FCRA, EVERYTHING to be 100 % accurate. Exeter Finance stated my accounts was properly investigated but it can not be possible if the Exeter account IS NOT MINE. The addresses and phone numbers associated with the Exeter account does not & has NEVER belonged to me.

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. I have repeatedly requested a TRANSPARENT THOROUGH INVESTIGATION along with Exeter 's METHOD OF VERIFICATION. The item in question is inaccurate and represents a very serious reporting error.

I am exercising my rights AGAIN under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, Exeter Finance should provide ALL the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable EXETER FINANCE sent a letter in response to a previous complaint with the Consumer Finance Protection Bureau # XXXX. Documents attached to the complaint included my previous adresses and other supporting documents that demonstrates that I have been a victim of identity theft multiple times in the past XXXX  years. 

The letter was dated XX/XX/2024. 
The letter states " we received subsequent correspondence from you ... .... '' and " your renewed complaint provided no new information '' - completely contradicting themselves. Which one is it??

Instead of investigating, Exeter Finance is collecting information.

Exeter Finance has NEVER provided a method of their " thorough investigation " as requested. They have willfully violated my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CCS Financial Services, Inc.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, and XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish my rights account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: Westlake Services, LLC
State: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, and XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish my rights account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan 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 2024-03-25 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: FL

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

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 2024-03-25 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 firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

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 2024-03-25 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: MD

Complaint narrative:
I have not initiated any transaction or relationship with the aforementioned creditor on the mentioned date. As a diligent consumer, I consistently monitor my credit report and ensure the accuracy of its contents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: VA

Complaint narrative:
I am writing to bring to your attention an issue that I have been experiencing with Equifax, XXXX, and XXXX. D

espite filing a complaint with the Federal Trade Commission ( FTC ) regarding fraudulent activity on my credit report, these credit agencies have refused to delete and block the fraudulent activity from my report. I have worked diligently to protect my credit report by reporting the fraud to the appropriate authorities and filing a complaint with the FTC. However, I have been
met with resistance from Equifax, XXXX, and XXXX when it comes to removing the fraudulent activity from my credit report. I have provided them with ample evidence of the fraud, including police reports and other documentation, but they have not taken any action to delete or block the fraudulent information. 

This situation has caused a great deal of stress and XXXX  for me. The fraudulent activity on my credit report has impacted my ability to secure loans, credit, and even employment. It is my understanding that these credit agencies have a responsibility to accurately report credit information, and this includes removing fraudulent activity from credit reports.

I request that you investigate this matter and take the appropriate steps to ensure that Equifax, XXXX, and XXXX are held accountable for their actions. I would like for them to delete and block the fraudulent activity on my credit report, along with any negative marks that may have been associated with it. Additionally, I would like for them to provide me with a written explanation of their actions regarding my credit report.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
on XXXX there was an attempt to open up a Capital One Credit Card under my name. There was an un authorized hard credit inquiry. All three credit bureaus had the same hard credit inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
An item ( Stabila XXXX Laser ) was ordered on Amazon on XX/XX/XXXX for a total amount of {$2100.00}. The Amazon seller was XXXX. The item never arrived/was never delivered ; however, the seller states it was delivered per the tracking information. I notified my Amazon card that I never received the item and that the seller was refusing to do anything about the situation. I have been back and forth with the Amazon card since XX/XX/XXXX with no resolution. They wanted a police report regarding never receiving the item, so a report was filed and submitted to the Amazon credit card XXXX XXXX. Every time I follow up, they state a dispute can not be found and open a dispute. This has been ongoing for months now. I called today XX/XX/XXXX and was told there was no dispute again ( a dispute has been filed with the police report multiple times ). The representative claimed to have submitted a new dispute again today, and I have once again attached the police report. This dispute has been pending since XX/XX/XXXX, which is way over the 90 days allowed. The Amazon card is basically ignoring the issue.

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 2024-03-25 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: DC

Complaint narrative:
I recently checked my credit report and noticed that there is in accurate personal information on 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 non-monetary relief
Consumer complaint received 2024-03-26 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

Complaint narrative:
Introduction : I am writing to file a complaint against PayPal regarding difficulties accessing my account and potential unfair business practices. 

Background : I am a former resident of the XXXX and established a PayPal account there. 
I recently relocated to the United States. 
I have a remaining balance in my PayPal account. 
Issue : I have attempted to access my PayPal account to avoid inactivity fees. 
However, I am experiencing repeated lockouts due to an infinite loop of security checks that fail to resolve. 
I believe this may be an intentional tactic by PayPal to prevent account access and incur inactivity fees. 
Request : I urge the CFPB to investigate PayPal 's practices regarding account access and potential inactivity fee manipulation. 

Additionally, I request the CFPB to : Determine if PayPal 's security protocols are unreasonably hindering legitimate account access. 
Investigate whether PayPal is engaging in deceptive practices to generate inactivity fees. 
Impose appropriate penalties on PayPal if these concerns are substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: IN

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: NC

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened an account with Chase Bank at the beginning of XXXX. Around XX/XX/XXXX I made a transfer from XXXX XXXX of {$8000.00} from funds that I won from online betting. I live in the state of Florida and the XXXX XXXX XXXX is legal to use here. Anyway, I made that transfer and Chase Bank closed my account. My funds have been locked up in that account since then and it's about XXXX XXXX that they still have not mailed out to my address. When I call in for an update, every week ( since XX/XX/2024 ) I am being told that they are waiting for information from the sender. I was told to fax documents over to prove that this was me sending this to myself. I faxed them personally and I went into the bank and with the documents and faxed them over to " the accounts department '' to verify my information. This first faxed from XXXX XX/XX/2024 and then in-person at the bank was XX/XX/2024. I called in today, XX/XX/XXXX, again and I was told that there has been no documents recieved. In about XXXX weeks, I have called at least XXXX times a week as well as visiting chase branches in person and still no resolution. I was told from when my account closed that a check would arrive XXXX business days and we're way past that. I don't think any of the customer service agents have any clue of whats actually going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: IN

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any relevant information on them, and the company proceeded without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
I do not recognize these inquires, and I want them removed I did not authorize them

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from 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 non-monetary relief
Consumer complaint received 2024-03-25 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:
The following variation are inaccuracies of my proper name " XXXX XXXX XXXX XXXX '' and any improper spelling of my actual name is a crime and a federal offense pursuant to Title 18 U.S. Code 1342 - Fictitious name or address and imposes a penalty where one " shall be fined under this title or imprisoned not more than five years, or both. '' The following names are a violation of Title 18 U.S. Code 1342 and I demand their immediate removal from my Consumer Report and Consumer File XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; The following Addresses are also a result of federal law violation pursuant to 18 U.S. Code 1342 - Fictitious name or address and 18 U.S. Code 1341 - Frauds and swindles I demand the following address be removed from both my consumer report and consumer file as they pertain to fraud and identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX note XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX Important note XXXX XXXX XXXX XXXX XXXX CA 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