vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 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: TX

Complaint narrative:
Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
CFPB, XXXX XXXX XXXX XXXX XXXX VA IS NOT MY ADDRESS AND I'VE NEVER LIVED 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 2024-08-04 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: AL

Complaint narrative:
I have enclosed a letter sent to Transunion in regards to my consumer report containing information that is to be excluded from my consumer report. Also there are multiple inquiries that I have not authorized on my 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 2024-08-04 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: AL

Complaint narrative:
I have notified the company of unauthorized inquiries on my report as well as my concerns to my privacy. The company is reporting transactions and experiences which is excluded pursuant to FCRA. There is also addresses that are not supposed to be on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: AR

Complaint narrative:
I am writing to formally dispute the inaccurate information reported by XXXX on my credit reports with Experian, XXXX, and XXXX. The discrepancies in the information provided by these credit bureaus are significant and have resulted in a gross misrepresentation of my credit profile. Additionally, my account was improperly sent to collections without my consent, constituting a breach of privacy. I demand the immediate removal of this account from all credit reports and seek enforcement of applicable laws for the resolution of this matter. 

Inaccuracies Identified XXXX. Date Opened : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. High Credit : Experian : {$0.00} XXXX : {$6200.00} XXXX : {$6200.00} 3. Credit Limit XXXX Experian : {$6500.00} XXXX XXXX {$0.00} XXXX : {$6500.00} 4. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX 5. Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violations and Impact These discrepancies demonstrate a severe lack of consistency and accuracy in the reporting of my account. The reported late payments exceeding 120 days and the improper sending of my account to collections without my consent have caused undue harm to my creditworthiness and breached my right to privacy.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in dates, high credit, and credit limit reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If disputed information is found to be inaccurate or unverifiable, the consumer reporting agency must promptly delete or modify the item of information.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not report information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Furnishers must investigate disputed information and report the results to the consumer reporting agencies.

6. Right to Privacy : Sending an account to collections without proper notification or consent can be a violation of privacy rights, as it involves disclosing sensitive information to third parties without authorization.

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 2024-08-04 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: FL

Complaint narrative:
I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute. 
Upon reviewing my credit report, I have identified the following unauthorized inquiries : The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld.

Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants

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 2024-08-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a letter from the United States Government finding XXXX XXXX XXXX XXXXXXXX XXXX guilty of predatory lending. 

On XX/XX/XXXX, I submitted my School Misconduct Discharge application to Navient via their online portal. 

On XX/XX/XXXX, I received a letter stating that my application is currently incomplete and needs additional information. 

On XX/XX/XXXX, I received a correspondence from XXXX XXXX stating that Navient was unable to access the document provided within my email. 

On XX/XX/XXXX, I paid for and resent my School Misconduct Discharge application as well as supporting documents through USPS Priority Mail to Navient. 

On XX/XX/XXXX, XXXX confirmed that Navient had received my School Misconduct Discharge application and that my application was under review. 

On XX/XX/XXXX, I received a correspondence from Navient that my School Misconduct Discharge application was denied. There was no reason for denial provided by Navient. In addition, the option to complete a School Misconduct Discharge application was information that was withheld from me by Navient. Furthermore, the application itself was never provided to me by Navient. I learned about the School Misconduct Discharge application on my own through a non-profit agency for student loan borrowers. 

On XX/XX/XXXX at XXXXXXXX XXXX, Navient continued to call me regarding my personal student loans. In addition, Navient sent a letter to my deceased mother who was cosigner on my personal loans. My mother has been deceased since XXXX and Navient was informed of this by me - years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
My phone was stolen and I called them to report that and they did lock my account and or card so all the money I had in my account was gone they did a car payment and send money to the same persone allot of time they said that they secured my account ya after my money was gone they said they didn't find any errors becuz it was all done thro my app that's because they had my fone so there finding determined that no error secured

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing and requesting the permanent deletion of a collection account reported by LVNV FUNDING LLC from my credit report. The account in question is inaccurate and has been causing significant harm to my creditworthiness. 

I am disputing this account based on the following violations of consumer protection laws : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation requires debt collectors to provide specific details about the debt, including the name of the creditor and the amount owed. LVNV FUNDING LLC has failed to furnish the necessary information in accordance with this requirement. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This rule mandates that debt collectors disclose information about the consumer 's rights, including their right to dispute the debt. LVNV FUNDING LLC has not adequately informed me of these rights, thus violating this regulation.

3. **12 CFR 1006.34 ( d ) ** : This provision outlines the need for debt collectors to substantiate the debt with proper documentation upon request. Despite my repeated requests, LVNV FUNDING LLC has not provided the required substantiation, which is a direct violation of this regulation.

4. **15 USC 1681s-2 ( a ) ** : According to the Fair Credit Reporting Act, information furnishers must ensure the accuracy of the data they report to credit bureaus. LVNV FUNDING LLC has reported inaccurate information to the credit bureaus without conducting a reasonable investigation into its validity, breaching their duties under this statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: FL

Complaint narrative:
I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
On my credit report. This is not mine. I have do not have an account with them. They have used a different address. This is fraud. 
JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$200.00} Open balance JEFFERSON CAPITAL SYSTEM Opened XX/XX/XXXX ( 9 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL, XXXX XXXX XXXX XXXX PayPal , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint Against PayPal for Unjust Account Restriction. 

I am writing to file a formal complaint against PayPal Holdings , Inc. regarding the unjust restriction of my PayPal account. I am a XXXX XXXX, and the payments received through my PayPal account are solely for the services I provide to my customers. 

On XXXX XXXX after receiving a payment for my services, my PayPal account was unexpectedly restricted. I received a notification from PayPal stating that the restriction was due to activity inconsistent with their User Agreement ( Reference ID : XXXX ). However, no specific details were provided regarding the exact nature of this activity. 

Despite multiple attempts to resolve this issue directly with PayPal, I have been unable to obtain any clear information or resolution. My account remains restricted, preventing me from accessing my funds, which are crucial for my business operations. According to the notification, the funds will be held for 180 days, causing significant financial strain. 

I am requesting the Consumer Protection Bureau 's assistance in this matter to : 1. Obtain a detailed explanation from PayPal regarding the specific reasons for the account restriction.

2. Expedite the review and resolution process to lift the restriction on my account. 
3. Ensure that my funds are accessible without undue delay. 

Attached are copies of the relevant communications with PayPal, including the notification of the restriction. I believe that PayPal 's actions are unjust and have caused significant disruption to my business. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue promptly. 

Thank you for your time and support. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: AR

Complaint narrative:
I am writing to formally dispute the inaccurate information reported by SYNCB/CCDSTR on my credit reports with XXXX, Equifax, and XXXX. The discrepancies across these reports are clear violations of the Fair Credit Reporting Act ( FCRA ) and have resulted in significant harm to my credit profile. Furthermore, my account was sent to collections without my consent, which I believe to be a violation of my right to privacy. I request the immediate removal of this account from all credit bureaus and a thorough investigation into these issues. 

Inaccuracies Identified XXXX. Date Opened : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Credit Limit XXXX XXXX : {$1100.00} Equifax XXXX {$0.00} XXXX XXXX {$1100.00} XXXX. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX Violations and Impact The above discrepancies demonstrate a failure to provide accurate and consistent information, leading to a misrepresentation of my financial behavior. Moreover, the account being sent to collections without my consent constitutes a breach of my privacy rights and further exacerbates the damage to my creditworthiness. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting dates, credit limits, and payment details violate this provision.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires that upon notification of a dispute, consumer reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not provide inaccurate information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. ***************Right to Privacy : *********** Sending an account to collections without the account holders consent or notification can constitute a violation of privacy. This action implies the disclosure of sensitive information to a third party without proper authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
When I paid my Chase credit card today, I noticed some design changes on their website. The unannounced changes to the page design are such that you might think that no payment is imminent, and in addition, the information about the due date is missing. My payment was due on XX/XX/year>, but the information on the account page on XX/XX/year> was " You don't have a payment due right now. Your next billing period ends on XX/XX/year> ''. 
There is also another " missing '' information on the payment page. Until recently, there were XXXX options to choose from when making a payment : Minimum Payment Due, Last Statement Balance, Current Balance, and Other. The " XXXX XXXX XXXX '' is now gone, and it adds another layer of uncertainty when making the payment. 
Considering that Chase 's " upcoming payment '' text/email alert is basically non-working, I suspect that the bank is trying to do everything possible to make money on late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: WI

Complaint narrative:
Hi, Trans Union is constantly violating my rights & continues to report false info on my credit report that is against the law. VIOLATION of my rights. XXXX XXXX XXXX Section XXXX A States I have a right to privacy. Also U.S.CC XXXX A XXXX XXXX a consumer agency can not furnish an account/inquiry without my written instructions. I have no protection with Trans Union, I continue to be a victim of ID theft. I did all the necessary steps to show these are fraud inquires. & the companies never verified they pulled my credit report, the companies never got back to trans union nor me. & had 30 days & therefore these fraud inquires should be removed ASAP. I sent trans union a letter, with my ID & Social S. & FTC XXXX & they still ignore & say the inquires are validated, when they are not. These fraud inquires are hurting my credit & stopping me from getting the best rates when I buy a home in the near future. I also filed a complaint with the XXXX  against Trans union. I appreciate Trans Union honoring my requests of immediately removing these XXXX fraud inquires : BANK XXXX XXXX ( Bank ) XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation