vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX For Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on ( XXXX  ) and I noticed that these unauthorized inquiries had been made : XXXX XXXX XXXX ( Auto XXXX XXXX XXXX XXXX XXXX XXXX ( Auto XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted , the creditors whom placed the inquiry , and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, as per 15 U.S.C. 1692d I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your help and assistance.

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 2023-11-18 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: FL

Complaint narrative:
I reviewed my credit report from Transunion and noticed that the report has credit inquiries that I did not authorize. 
I request you to investigate and remove the inquiries as soon as possible. I will be applying for a loan very soon and it is crucial that my credit score reflects my accurate credit standing. In case you come across evidence that counters my claim, I request you to please send me a copy. 


XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX 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 2023-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My name is XXXX XXXX and I opened PayPal to process payment and receive payment. 

My email on Paypal is XXXX However PayPal locked my account and asked for certain information and after I provided the information PayPal said they would review and unlock the account within 1 business day. 

However, it's 15 business days already and PayPal has not unlocked my account. 

Because of this, it has really affected me from receiving payments from friends and family and I believe PayPal will put things right and unlock my account as my account isn't a risk to Paypal internal security

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Certified letter mailed to XXXX XX/XX/2023, request for validation of contract due to wrong amount and time frame reported. Information was deleted from XXXX and XXXX. Separate dispute made to Transunion as information was placed back on report XX/XX/2023 post notification of documented deletion of account. Report number as follows ; XXXX Dispute, Investigation Results Report Created On : XX/XX/2023 File Identification Number : XXXX Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS DELETED : The disputed item ( s ) was removed from your credit report. 
Feedback In response to your dispute, this item was DELETED from your credit report 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 2023-11-18 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: NV

Complaint narrative:
Wakefield account is too old. Keeps popping up on my credit. Although information about Wakefield is accurate I do not recognize. I tried disputing it directly with the company. It keeps affecting my credit. I have other priorities in life. This is a roadblock in my everyday life. Please remove Wakefield from my credit report. I been doing all I can to stay on top of my bills. Please remove out of good faith. Thanks, and god bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Venmo Card : My account was closed the card was removed from my Venmo profile. Because I had opted to recieve electronic statements, I can not access my statements now to see how much I owe or how much cashback I got. They sent me a text message and email to update my address but it is the same address I signed up with. I feel that they are either incompetent or wasting my time. If you already have my email, why won't you send me a link to access my statements? You can easily verify my identity via several software vendors out 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 explanation
Consumer complaint received 2023-11-18 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Dear CFPB, I am writing to provide additional details regarding my complaint filed against Rent Recovery Solutions LLC regarding the collection account associated with Account # : [ XXXX ]. 

Description of Events : Debt Validation Request : On [ XX/XX/XXXX ], I sent a debt validation letter to Rent Recovery Solutions LLC to seek clarification and validation of the debt. Despite the legally mandated 30-day response period, I have not received any communication from the company. 
Inaccuracies in Reporting : Discrepancies exist in the reported dates by the three major credit bureaus ( XXXX, XXXX, and XXXX ). Specifically : " Date Opened '' varies between XXXX ( XXXX  ) and XXXX XXXX XX/XX/XXXX ). 
" Last Reported '' dates differ among the bureaus ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
" Date Last Active '' shows inconsistencies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Actions Taken : I diligently sent a debt validation letter to Rent Recovery Solutions LLC on [ Date of Debt Validation Letter ], seeking clarity on the debt in question. Despite this, there has been no response from the company within the legally required timeframe. 
Resolution Requested : I kindly request that the CFPB investigates this matter to ensure compliance with debt validation requirements and to address the inaccuracies in the reporting by Rent Recovery Solutions LLC. 
Please feel free to contact me if additional information is required to proceed with the investigation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: LA

Complaint narrative:
According to 15 USC 1681b- Permissible purposes of consumer reports.

( a ) In GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 
I HAVE NOT GIVEN ANY INSTRUCTIONS TO THE REPORTING AGENCY TO FURNISH MY CONSUMER REPORT. 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
TransUnion, XXXX, and XXXX also has violated my rights to privacy by furnishing these reports to my consumer report without any written consent from me the consumer

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed my credit reports were frozen through XXXX, TransUnion and experian

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 2023-11-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed complants on EQUIFAX starting XX/XX/XXXX, XXXX and XX/XX/XXXX about not correcting my report They also have my name wrong it should be XXXX not XXXX XXXX I ran my reports today and I still have incorrect information nothing has changed, i have nquiries still on it that should have been removed. collections that are not mine, have not gotten and documents I have requested fromcompanies and equifax still states its veried and accurate whch is a lie. I have said I wanted signed contract from XXXX XXXX, XXXX  I wanted all transcations because i paid them with ACH and was never late they would charge me late fees when paid or say i didnt pay when i did I even sent target a certifed ketter of valadation back many years agao requsting this and sign copy they g it and I still am fighting this. XXXX  XXXX i have the same issue they got my letter and i havent gotten any proof because these arent mine, no signuatures here is the issues im still not seeing being corrected, collections XXXX  XXXX XX/XX/XXXX - {$1900.00} XXXX  XXXX XX/XX/XXXX - {$550.00XXXX XXXX XXXX XXXX XXXX  thi was a secured credit card i paid {$350.00} deposit I cancelled the card they kept the funds I owe them nothing XXXX XXXX XXXX XXXX I never had this account fraud PER THE COMPLAINT THEY REPNDED SAYING THESE WERE DELETED BUT THEY ARENT Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Account legally paid Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) account was legally paid in full but still showing Inaccurate Status IT SHOULD be PAID FDCPA Section 807 Violation XXXX XXXX XXXX XXXX Account Number : XXXX The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be deleted and update as agreed this payment history 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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:
According to 15 USC 1681b- Permissible purposes of consumer reports.

( a ) In GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 
I HAVE NOT GIVEN ANY INSTRUCTIONS TO THE REPORTING AGENCY TO FURNISH MY CONSUMER REPORT. 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Equifax, and XXXX also has violated my rights to privacy by furnishing these reports to my consumer report without any written consent from me the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: LA

Complaint narrative:
According to 15 USC 1681b- Permissible purposes of consumer reports.

( a ) In GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.

I HAVE NOT GIVEN ANY INSTRUCTIONS TO THE REPORTING AGENCY TO FURNISH MY CONSUMER REPORT. 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX, and Experian also has violated my rights to privacy by furnishing these reports to my consumer report without any written consent from me the consumer

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed my credit reports were frozen through Equifax, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed my credit reports were frozen through XXXX, XXXX and experian

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 2023-11-18 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: MN

Complaint narrative:
All three credit reporting agencies dropped my credit rating by XXXX points because of credit cards issued for 0 % loans on one off purchases. In the case of XXXX XXXX, it was a Heating and Air Conditioning for a home, and for XXXXXXXX XXXX, it was a XXXX XXXX XXXX The credit reporting agencies treated these transactions as maxed out credit cards and proceeded to penalize me by substantially reducing my FICO scores. Why weren't these long term 0 % loans reported as installment loans. The system of credit reporting relies on a XXXX company, as gospel in the industry. I believe that the Fair XXXX model is flawed because it does not take into account situation.

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 2023-11-18 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: MN

Complaint narrative:
Equifax, XXXX XXXX XXXX, XXXX, GA XXXX. 
All three credit reporting agencies dropped my credit rating by XXXX points because of credit cards issued for 0 % loans on one off purchases. In the case of XXXX XXXX, it was a Heating and Air Conditioning for a home, and for XXXXXXXX XXXX it was a XXXX XXXX XXXX The credit reporting agencies treated these transactions as maxed out credit cards and proceeded to penalize me by substantially reducing my FICO scores. Why weren't these long term 0 % loans reported as installment loans. The system of credit reporting relies on a XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I believe that the XXXX XXXX model is flawed because it does not take into account situations.

Company response to consumer: Closed with explanation