vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and 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 non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
DEAR, EQUIFAX WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME ) ... A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAY AT XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
A rep XXXX submitted a finance request, but could not give me an XXXX as to how long this will take or when to expect a response! Per the XXXX XXXX XXXX  for borrower defense, which I am a XXXX XXXX  and expecting a refund of XXXX by end of XX/XX/year>! This is XXXX weeks away and it is ridiculous that they have no response as to when my check will be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
On XXXX XXXX, XXXX, i was notified that my old employer has been receiving mesages from this company and they had already asked it stop. I have a recording of a voicemail where they state I will be served in XXXX days at my place of employment and gave a " case number '' Of the filing. I called the number and was transferred to XXXX. I believe she pretended to not find the case in the system in order to ask me more information, as I repeated the case number several times. She went on to tell me I have a debt from XXXX, that I would be taken to court, that i committed fraud. I told her I was unaware of any of this. I was asking questions and she was getting worked up and rude. The voicemail left to me provided my address. I have received no communication from them whatsoever. I asked her to send me information so that I could review. She said doing so would be discovery. That they are a law firm and dont have to comply with collection company rules. Refused to send me anything. I told her there was a statute of limitations. She said there wasnt and mentioned some clause. She insited I decide to go to court or enter into a plan to pay by XXXX year. I told her i could not do that as i dont even have details as to what this is. She said i only had XXXX say to decide. Then she said she could give me medical exemption. I believe she was trying to trick me into acknowledging a debt. She kept asking if I wanted to go to court, she would let the attorney know. I told her i would do my due diligence and she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: GA

Complaint narrative:
My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization.According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission. 
XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) account number : XXXX balance : {$27000.00}. I have no knowledge nor did i give authorization to this company.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 XXXX 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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX  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 XXXX, XXXX, and Transunion data breach.

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 2024-08-15 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I would like to dispute off the following items on my credi report. 

Equifax : XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: MS

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates
State: NC

Complaint narrative:
On XX/XX/year>, I had a XXXX  procedure for which I pre-paid through XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  costs of {$940.00}. The procedure went over the estimated time due to medical necessity ( which was provided to my insurance carrier by my surgeon ). I received a bill from XXXX XXXX XXXX in XXXX, GA, on or around XX/XX/year>. I called XXXX XXXX on XX/XX/year>, as I needed help understanding the invoice ( which indicated a {$6600.00} charge, a {$940.00} patient receipt, and a {$470.00} patient responsibility ). On the call, I provided XXXX XXXX with my insurance information, and I explained that the overtime should be claimed to my insurance company. The customer service representative said she would provide my insurance information to their insurance group, and someone would call me if they had questions. Instead, they sold the invoice to Prince Parker and Associates, a debt collector. This immediately went on my credit report and affected my score. No one ever called me, nor did they attempt to explain the specifics of my invoice ( no minutes or time was provided as I had also asked for this on my call to them ). They did not file a claim on my behalf. 

Interestingly, the XXXX XXXX XXXX ( for unforeseen medical necessity ) sent a similar invoice. I called them with my insurance information. They promptly filed a claim. The claim was paid. 

Even if my insurance did not pay the XXXX  claim, I understood that any overtime for XXXX  would be billed at {$93.00} per XXXX minutes. Again, the specifics were never provided to me by 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I took out a Title loan for repairs on my vehicle and paid interest totaling {$3400.00} for XXXX  months. I was laid off on XXXX and explained I couldn't keep making the high interest payments and I thought it was simple interest as per the person who initially had me sign the contract but none of the payments were applied towards the balance. The form they used is similar to auto finance form. the initial loan amount was {$3300.00}. In XXXX I had to pay {$640.00} to renew a new contract or they said my vehicle would be repoed. They said I could get a lower interest rate if I renew and nothing changed but they came out with a new contract for a XXXX month term and if I paid for 5 months the loan would be paid off. XXXX who helped with the new contract could not explain it to me on how it worked on XX/XX/year>. The did not apply any of my interest payments to the new contract terms that came out and this is unethical. My loan should have some kind of credit from previous payments from the old contract at minimum. I feel I was misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NJ

Complaint narrative:
XXXX XXXX IS IN VIOLATION OF MY CONSUMER RIGHTS THEY ARE REPORTING 3 LATE PAYMENTS IN MY CREDIT REPORT WICH ARE INCORRECT BECAUSE THE NEVER SENT ME A LETTER 21 DAYS BEFORE THE REPRTED THE LATE PAYMENT TO MY CREDIT REPORT THEY NEVER SEND ME THAT LETTER AND THEY ARE REFUSING TO CORRECT THE PAYMENTS AS CURRENT.

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 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the three bankruptcies listed on my credit report with transunion. They have failed to removed the inaccurate information from my report and stated that the information was verified. I reached out to the courts and they confirmed that they did not provide this information to TransUnion. I also disputed this information with XXXX which is a third party that purchased information from PACER. XXXX stated that they did not supply TransUnion with this inaccurate information. I have attached all of the supporting documentation. I have also attached my drivers license and social security card for identification verification purposes. XXXX have taken accountability and removed this inaccurate and unverifiable information from their system. I would like for TransUnion to do the same.

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 2024-08-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: MA

Complaint narrative:
I found out about a collections account through my credit report from a Waypoint Resource Group. I have never received any notice in the mail, email, telephone, etc. about this debt. The debt is from XXXX XXXX. I have not been a customer of either of the two companies, and I have never entered into any written or verbal contract with Waypoint Resource Group. There should be no debt owed on my part in this situation, which is causing adverse reactions on my credit file and preventing me from obtaining credit.

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 2024-08-15 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: MD

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: MD

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This refers to CFPB Complaint XXXX. I am following up because the transaction in question is still unsolved. I see that PayPal has submitted that I don't have a valid complaint because the money ( {$4000.00} ) was transferred. I did not receive an email from you or XXXX about the resolution. XXXX XXXX, the recipient never received the funds in his XXXX account. So PayPal retrieved {$4000.00} from my account without paying XXXX XXXX. I only ask that PayPal investigate what happened to the funds. The transfers show that he received the funds and transfered the funds from PayPal to his XXXX account. No funds appeared in his account. Somewhere the ball was dropped. Please use the documents from my initial complaint to follow up.

Company response to consumer: Closed with explanation