vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
on XXXX my XXXX account on venmo recieved a XXXX transfer for her XXXX  funds. on XX/XX/XXXX, i believe or maybe that same day my childs card was stolen and funds were sent to a XXXX XXXX i never heard of and do not know for {$900.00} and also at t-mobile for XXXX something there were lyft rides purchased and a few more i reporterd to the police and venmo. i feel because of the amount a fair investigation wasnt done i was refunded some but not anything over XXXX and they closed my account and wont let me access or even tranfer the funds they did replace saying something about a XXXX loss prevention XXXX. i was a victim and am pursueing charges against whomever the theif was, and have been treated unfairly and my money is now stolen and whatever is left venmo has shut my account down and wont let me access it please can somebody help me ive also called XXXX and reported it they were more then willing to refund it if my bank allowed and XXXX XXXX told me to contact my bank who is not in any way being fair to me they are not trying to help and have stolen whatever was left and also shut my account down. upon speaking with XXXXXXXX XXXX  ( TRANSACTION HISTORY GIVES STORE NUMBER ) they informed me they were never contacted by venmo about my case so i dont underestand what kinda investigation was done. they were more then willing to help me if venmo would have legally and fairly did there investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: MA

Complaint narrative:
I am writing to dispute inaccurate information in my credit report, as provided under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information pertains to the account with XXXX XXXX and includes several inaccuracies that need correction. 

The account information in dispute is as follows : **Account Information : ** - **Account Number : ** XXXX - **High Balance : ** {$25000.00} - **Last Verified : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) - **Date Reported : XXXX XX/XX/XXXX ( XXXX and Experian ), XX/XX/XXXX ( XXXX ) - **Date Opened : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ) - **Balance Owed : ** {$21000.00} - **Closed Date : ** XX/XX/XXXX ( XXXX ), not provided by Experian and XXXX - XXXX Rating : ** Derogatory - XXXX Description XXXX ** XXXX - XXXX Status : ** Account not disputed - **Creditor Type : ** Credit Unions - **Account Status : ** Closed - **Payment Status : ** Collection/Chargeoff - **Creditor Remarks : ** Charged off as bad debt ( XXXX ), Unpaid balance reported as a loss by the credit grantor ( Experian ), Charged off account ( XXXX ) - **Payment Amount : ** {$0.00} - **Last Payment : ** XX/XX/XXXX ( XXXX and Experian XXXX, XX/XX/XXXX ( XXXX ) - **Term Length : ** 60 Month ( s ) - **Past Due Amount : ** {$21000.00} - **Account Type : ** Unsecured loan - **Payment Frequency : ** Monthly XXXX XXXX XXXX  - **Credit Limit : ** {$0.00} - **Two-Year Payment History : ** Inconsistent reporting across the bureaus This information is inaccurate for the following reasons : 1. **Date of Last Activity : ** Conflicting dates across XXXX XXXX Experian, and XXXX XXXX 
XXXX. **Date Reported : ** Different reporting dates across the credit bureaus. 
XXXX. **Date Opened : ** Discrepancies between XXXX and the other bureaus. 
XXXX. XXXX*High Balance and Balance Owed : ** Discrepancy in high balance reported by XXXX XXXX 
XXXX. **Creditor Remarks : ** Differing comments about charge-off status and loss reporting. 
XXXX. **Last Payment Date : ** Different last payment dates between the credit bureaus. 

Attached are copies of my credit reports from XXXX, Experian, and XXXX, highlighting the discrepancies in the information reported by each bureau. Additionally, I have included any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After carefully reviewing my credit profile, Ive noticed several fraudulent items appearing on my credit report. I am a victim of identity theft and would like all items removed and deleted from my credit profile.

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 2024-08-05 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: PA

Complaint narrative:
After carefully reviewing my credit profile, Ive noticed several fraudulent items appearing on my credit report. I am a victim of identity theft and would like all items removed and deleted from my credit profile.

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 2024-08-05 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: VA

Complaint narrative:
I looked at my consumer report and I see inaccurate addresses list on my report. I've never live at any of those addresses list by the years. Please remove, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Trying to use my debit card, XXXX XXXX, and XXXX XXXX  All giving me issues, bank isnt helping me. Asked to speak to fraud department, advised that customers cant reach out to them. Requested a supervisor, placed on an extensive hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

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 2024-08-05 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: VA

Complaint narrative:
There are inaccurate addresses lost on my consumer report. I've never lived at these addresses.

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 2024-08-05 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of Human Trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX BAL {$3500.00}, XXXX XXXX XXXX XXXX BAL {$14000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BAL {$5000.00}

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 2024-08-05 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-05 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: TX

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

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 2024-08-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received private student loans to attend the XXXX XXXX XXXX XXXX from Fall XXXX - Fall XXXX. I graduated with my XXXX in XXXX. ( Amount included in current statement, attached ). During that time I took out both private and federal loans. The school has since closed, having filed for XXXX XXXX Bankruptcy in XXXX after having been open since XXXX. The loan provider for my federal loans is currently XXXX and the Private loan holder is XXXX, which is operated by Navient. 

The reason I believe this is a show of misconduct by the school and should be eligible to be waived under Navient 's guidelines- it is currently not - is before I arrived in XXXX, the school had begun having major, earth shattering financial problems in the XXXX of dollars. They continued to mismanage their funds and assets all the way until XXXX when the school closed its doors. None of the financial mismanagement was reported to me, or the other prospective students, nor was it shared by the institution once I began attending. As a result, I am stuck with over $ XXXX in student loans for a school that can no longer support me as an alumni in any way. 

People do not pay XXXX figures for an education at other longstanding schools like XXXX or XXXX simply for the notable teachers or unique, thought-provoking classes- of which we had both at XXXX. No, students who attend XXXX XXXX colleges are paying for a brand name that can open doors, a legacy that withstands many decades and generations, and the continued support of an institution within the trade communities and beyond. These are things the XXXX XXXX XXXX XXXX can longer offer. 

If this were in fact a school where more than just artists who attended, it is my belief that a class action for the waiver of all loans would already be in the works. Unfortunately, artists are notoriously bad at paperwork, and as we are not a XXXX or a XXXX, the personal connections to local and federal government are few and surely underutilized. 

On a personal note, I am currently experiencing hardship as a result of job loss and am risking destroying my credit report because I am not able to afford the monthly private loan payments since there are few payment plans available. A lot of artists, who often work as freelancers with little social safety net in place, struggle with this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
AFFIRM INC XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX Re : Validation of Debt and Cease and Desist Notice Account Number : # XXXX To Whom It May Concern, I am writing to formally request validation of the debt referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a detailed validation of the alleged debt. Please be advised that statements alone are not sufficient evidence of a debt, as established by the case XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. 

Accordingly, I am requesting that you provide the following documentation : A detailed accounting of the alleged debt, including the original creditors name, the amount of the original debt, and a complete transaction history. 
Any and all relevant agreements, contracts, or documents bearing my signature that would indicate my obligation to pay this debt. 
Furthermore, I am issuing a cease and desist notice. This includes the following instructions : Cease and Desist All Communication : Do not contact me further in any manner, including but not limited to, phone calls, letters, emails, or text messages. 
Cease and Desist from Reporting to Consumer Agencies : This notice also includes a demand for removal of this account from all consumer credit reports. 
Please be advised that any continued communication, including reporting this account to consumer agencies, will be considered a violation of this cease and desist order. 

Litigation Costs : Should it become necessary to pursue litigation due to your failure to comply with this request, the following are estimated costs associated with such action : Filing Fees : {$350.00} Service of Process : {$100.00} Legal Representation : {$200.00} per hour ( estimated 10 hours ) = {$2000.00} Court Costs : {$150.00} Miscellaneous Costs ( e.g., document preparation, travel ) : {$100.00} Total Estimated Costs : {$2700.00} Please consider this letter as a formal notice of my intent to seek redress through legal means if necessary. I expect your prompt action to cease all further communication and to remove the account from my consumer reports. 

I appreciate your immediate attention to this matter. Please send written confirmation of your receipt of this letter and your compliance with my requests. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

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