vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
I just recently looked at my credit report XX/XX/2024. I saw some hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XX/XX/2024 : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX XXXX XX/XX/2024 : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX & XX/XX/2024 : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX XXXX XX/XX/2024 : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX & XX/XX/2024 : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I have some collections with XXXX with spring oaks capital for XXXX I have another on from spring oaks capital to for XXXX dollars and I have another from diversified XXXX XXXX for XXXX dollar and XXXX more collection from XXXX XXXX XXXX for XXXX dollars according to the law frca section XXXX it's illegal to report information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is no consistency in the data entry of these reports. 
15 U.S. Code 1681s2 a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

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 2024-08-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX XXXX Account # 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

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 2024-08-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name Account # 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 instruction.

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 2024-08-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name Account # 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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.

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX, I transferred {$500.00} of Paypals virtual currency, XXXX, to my paypal digital wallet. The cryptocurrency showed up properly. 

Then, I ordered my toddler some items on XXXX. I used Paypal to check out, and used Paypals checkout with XXXX of which the only XXXX I had was their token, XXXX. The checkout said it would sell {$40.00} of XXXX, and would finish the remainder after I finished checking out. The checkout process errored out when it sent me back to XXXX. 

I checked my Paypal account and the {$40.00} XXXX it sold was gone- the details said it shouldve been transferred to my Paypal balance, but it was not there. 

To complete the Gap order, I decided to sell {$60.00} XXXX myself ( not during the checkout process ), and the {$60.00} appeared in my balance. I completed my Gap purchase using {$51.00} of that balance. 

I then sold the remaining {$400.00} of my XXXX into my Paypal balance. As of right now, I have XXXX in my Paypal balance, when I should have XXXX. This is calculated as my starting {$500.00} less my gap purchase of {$51.00}. I am missing the initial {$40.00} that Paypal misplaced during my initial checkout. 

Paypal has no way to reach a live person. I opened a support ticket and gave them the summary of transactions, clearly showing I was missing {$40.00}. They closed the ticket today ( XX/XX/XXXX ) denying my case, with no evidence showing where the {$40.00} went. 

I do not take this escalation lightly, but it is clear Paypal is not equipped to properly handle transactions involving their new cryptocurrency XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX XXXX XXXX XXXXXXXX, 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

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 2024-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Alorica Inc.
State: IL

Complaint narrative:
I took out a personal loan to consolidate debt with XXXX XXXX some time ago. With this loan, the monthly payment amount was about $ XXXX, so I set my personal bank account to send a check every Friday for {$200.00} ( So, $ XXXX $ XXXX ), keeping me well on schedule for loan payments. 

In XXXX of XXXX XXXX XXXX apparently got out of the personal loan business and turned everything over to " Systems & Services Technologies, Inc '', or SST. THIS PROCESS HAS BEEN A NIGHTMARE. Seriously, XXXX this SST company and see how terrible they are. 

I've been dealing with them since they took over - My bank has been sending them {$200.00} payments, every Friday- which I have record of. SST processes some, doesn't process others, waits until it's been 180 days+ so the checks get declined, etc. All of this compounds additional interest on my account. 

I requested everything they had on my account back in XXXX and they failed to provide me with this information. 

I called today, again, to request this information. While doing so, I checked my credit report to find that they've written off the account and notated on my credit report that it's " Bad Debt '' - greatly impacting what was a XXXX Credit score. Speaking with this poor SST rep, he's like " Yeah, I see where you made a bunch of payments in XXXX and another batch in XXXX [ or maybe he said XXXX ] '' and I'm like, yeah, I bet those were all {$200.00} payments. He confirmed that - and it's not that I made a bunch of batch payments - it's that they didn't process them when they received them!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion, XXXX XXXX XXXX XXXX are reporting several late payments on several accounts, these late payments are adversely affecting my credit and I have requested that Transunion, XXXX, & XXXX provide me with evidence that these late payments are indeed correct. 

The account in question are Transunion 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 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 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 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 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 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 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 XXXXXX/XX/XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( 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.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian does not allow you to speak with a person. I have called there number for days and you can not speak to a person. They wont give me a credit score and we are trying to get a loan and can not without the credit score. XXXX has a score and XXXX has a score but not experian and I cant speak to anyone.

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 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have maintained a credit card account with Chase bank for over a decade and until this month ; XX/XX/year> I had the ability to make my monthly payments online. However, I was unable to do so this month due to the following notice on the Chase banks website.

We don't support this browser version anymore. Using an updated version will help protect your accounts and provide a better experience.

" Update your browser. '' As a senior citizen I have a serious issue with Chase banks latest credit card policy related to online processing. The bank is virtually excluding customers like me from making online payments and having access to monitor their accounts unless they meet the business demand to upgrade their browsers and computer operating systems. Specifically, Chase bank is displaying a lack of customer service accommodation. To meet their demands I would have to purchase a new computer with an operating system above XXXX XXXX and required peripheral equipment. But all I am working on with my fixed Social Security income is to pay off my Chase credit card balance. As a retired online course developer I believe that Chase bank can make the necessary technical accommodation for users with older operating systems if their ethical business policy included concern for customer accommodation. Therefore on XXXX, I contacted Chase credit card division for help with this problem, and it cost me over an hour to complete the process from automated verification, to getting a human being to give me a response. The accommodation that the Chase employee in their technology department offered was to either pay by telephone, auto pay, or download the XXXX browser. My response was that I dont want to XXXX ) auto pay since I always input more online than the minimum due as my method of paying off my account, XXXX ) making payment by phone is tedious and time consuming navigating Chases automated system verification, XXXX ) according to the XXXX browser notice on the download site, it is only compatible with XXXX XXXX and above. Although Chase states on their website that they support XXXX XXXX yet I am unable to access my account online due to the version of Chrome browser they now require. Yet I am currently using the original Chrome browser with my Windows XXXX operating system on my computer to successfully interact online with my email accounts ; make online payments to all of my other creditors ; post and interact with my personal XXXX XXXX  ; post content I created on my PC to my XXXX XXXX page, my XXXX XXXX XXXX XXXX XXXX account, and upload videos I created on my PC for my spiritual/inspirational XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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 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 XXXX XXXX 15 U.S.C, 1681section 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. 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 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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX {$2300.00} XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX {$510.00} XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, RESIDENT VERIFY, XXXX, XXXX 15 U.S.C, 1681section 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. 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 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 2024-08-06 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi - Account numberXXXX This account does not belong to me. Please provide the description of the procedure of the investigation used to verify this account if you cant please update this account immediately. 

I am writing to request a detailed description of the investigation process that was followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ) : Under Section 15 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

I received a letter from you stating that the account was verified but I would like to know what you verified because both XXXX and XXXX both agreed that this isn't my account and should be removed. Please provide me with the proof of verification method or please remove immediately.

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