vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-11-21 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: MA

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I applied for a new account with Citi bank whom I have a long perfect history and large credit cards with earlier this year. I was approved for an extremely low credit limit even though my income and credit report is near perfect. I reached out to the company for further information and they Refuse to send me any or to have a human look to see if there has been a processing mistake. they continue to hold payments for XXXX days before applying them to my account. called several times to get answers and each person refuses to talk to me about it.

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 2024-11-21 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: NC

Complaint narrative:
I discovered numerous violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to inaccuracies and unauthorized entries on my credit report. These violations include : Willful Noncompliance ( FCRA 616 ) : My credit information was accepted and reported without proper verification, and this willful negligence holds the responsible parties liable for up to {$1000.00} per violation.

Failure to Disclose My Rights ( FCRA 603 ( d ) ( 2 ) ( A ) ) : I was not informed about my right to opt out of sharing my personal information, a clear violation of my consumer protections.

Deceptive and Unverified Reporting ( FCRA 623 ( a ) ( 3 ) and 15 U.S. Code 1692g ) : Several accounts and inquiries were reported inaccurately and without proper validation, leading to significant harm to my credit profile.

Unlawful Debt Collection Practices ( FDCPA 1692c ) : Debt collectors improperly reported alleged debts, some involving identity theft, and shared my information with third parties, violating my privacy and the law.

Unauthorized Hard Inquiries ( FCRA 1681b ( a ) ( 2 ) ) : Multiple hard inquiries appeared on my credit report without my consent, which is a violation of permissible purpose regulations.

Misreporting of Late Payments and Finance Charges ( FCRA 1681e ( b ) ) : Payments were misrepresented as late despite being made on time, and finance charges were not accurately calculated, further harming my creditworthiness.

These violations have negatively impacted my credit score and caused me unnecessary distress. I have submitted a formal dispute, demanding that inaccurate accounts, unauthorized inquiries, and unverifiable debts be corrected or removed. Ive also requested proper validation of disputed entries and expect these issues to be resolved within the 30-day timeframe outlined in FCRA 1681i. If these matters are not addressed promptly, I am prepared to pursue legal action to enforce my rights.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I, XXXX XXXX, expect to be completed promptly and in full compliance with the Fair Credit Reporting Act ( FCRA ) and related laws : 1. Immediate Deletion of Inaccurate Information Remove all incorrect personal information, including the addresses at XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX from my credit report in accordance with 15 U.S.C. 1681c.

Delete the accounts and inquiries associated with XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX unless they can be fully validated as required by 15 U.S.C. 1692g.

2. Validation of Debt Under 15 U.S.C. 1692g, provide proper validation of the disputed debts, including original contracts, agreements, or judgments bearing my signature. Without such validation, these items must be removed from my credit report immediately.

3. Correction of Reporting Practices Ensure that all unauthorized hard inquiries, including the one from XXXX XXXX XXXX, are deleted as they violate the permissible purposes outlined in 15 U.S.C. 1681b.

Rectify or remove records of " late payments '' that were inaccurately reported and not properly defined, as per 15 U.S.C. 1681s-2 ( a ) ( 1 ).

4. Consumer Rights Compliance Notify me of my right to opt out of sharing my personal information, as required by 15 U.S.C. 1681a ( d ) ( 2 ) ( A ).

Immediately cease sharing any debt-related information with third-party credit reporting agencies, ensuring compliance with 15 U.S.C. 1692c ( b ).

5. Financial Remedies Compensate me {$1000.00} per instance of willful noncompliance under 15 U.S.C. 1681n, for the distress and harm caused by inaccurate reporting and failure to adhere to statutory requirements.

6. Confirmation and Accountability Provide written confirmation that all requested deletions, corrections, and validations have been completed.

Send me an updated and accurate copy of my credit report reflecting these corrections.

7. Commitment to Preventative Measures Revise your procedures to prevent future violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) to ensure no consumer endures the harm I have experienced. 
I, XXXX XXXX, expect these actions to be completed within 30 days, as mandated by 15 U.S.C. 1681i for credit dispute resolution. Failure to address these issues will leave me with no choice but to pursue legal remedies for the damages caused by your noncompliance.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I, XXXX XXXX, am writing to formally address multiple violations of the Fair Credit Reporting Act ( FCRA ) and related laws regarding my credit report. Heres what happened : You have failed in your duty to ensure the accuracy and integrity of my credit information, and I demand immediate resolution. 

Here Are the Issues Willful Noncompliance ( FCRA Section 616 ) : You accepted and reported inaccurate credit information about me without verifying its accuracy firsthand, which is a direct violation of my rights.

Failure to Inform Me of My Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : You failed to disclose my right to opt out of sharing personal information, which is deceptive and unlawful.

Deceptive and Inaccurate Reporting ( FCRA Section 623 ( a ) ( 3 ) ) : You reported inaccurate payment histories and furnished incorrect account information without proper validation.

Unauthorized Hard Inquiries ( FCRA Section 1681b ( a ) ( 2 ) ) : My credit report includes several unauthorized hard inquiries, made without my written consent.

Debt Collection Violations : Debt collectors associated with your agency engaged in unfair and harassing practices by reporting debts I do not owe and contacting third parties about my supposed debts, violating federal regulations.

Inaccurate Late Payment Reporting : You reported late payments without defining what constitutes late payment, making the reporting deceptive and harmful.

Improper Finance Charge Calculations : You failed to calculate finance charges accurately, further contributing to the errors on my credit report.

My Demands Correct My Personal Information : Remove inaccuracies associated with addresses that do not belong to me.

Correct My Payment Histories : Update my accounts to reflect accurate payment statuses, including but not limited to : WORLD FIN : Report as Paid as Agreed/Never Late.

Validate and Remove Inaccurate Accounts : For accounts like XXXX, XXXX  XXXX XXXX, and others, provide validation under 15 USC 1692g. If validation is not possible, these accounts must be deleted immediately. 
Delete Unauthorized Hard Inquiries : Remove all unauthorized inquiries from entities such as XXXX  XXXX, DEPT OF ED, and XXXX. 
My Expectations I expect a prompt and thorough resolution of these issues. If these violations are not corrected, I will have no choice but to pursue all legal remedies available to me under the FCRA, including damages for willful noncompliance. 

This situation has caused me undue stress and harm, and I insist that you address it immediately. Failure to comply will leave me no choice but to hold your agency fully accountable. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX | XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX To Whom It May Concern : This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

XXXX  XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ).

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
Subject : Complaint Regarding Discriminatory And XXXX Practices by PayPal Dear Consumer Financial Protection Bureau, I am submitting this complaint to report what I believe are discriminatory and unjust practices by PayPal, which have resulted in the abrupt and unexplained termination of my account. 

Approximately 3 weeks ago, I legally opened a business account with PayPal, fully complying with their registration requirements. I ensured that all paperwork and information submitted were accurate and valid, adhering to their policies and guidelines to the best of my ability. Before utilizing the platform, I thoroughly reviewed PayPals terms of service and confirmed that my business practices aligned with their stated rules and standards. 

Despite my compliance, PayPal abruptly and permanently banned my account without providing any prior warning, explanation, or evidence of wrongdoing. None of my account activities violated their policies, or at least nothing they have communicated or can prove. I attempted to reach out to PayPal to seek clarification, but my efforts to resolve the matter were met with dismissiveness and lack of transparency. 

Moreover, during a phone call with PayPals customer service, I experienced an incident of XXXX profiling and discrimination. The representative 's tone, conduct, and remarks were not only unprofessional but also made me feel targeted based on my race. This experience was deeply troubling and has left me feeling marginalized and unjustly treated. 

PayPals actions appear to be inconsistent with their advertised principles of fairness, inclusivity, and transparency. Their lack of accountability and failure to provide any clear explanation for banning my account raise serious concerns about their internal practices and policies. Furthermore, their racially biased treatment during my attempt to resolve this issue has caused me significant distress. 

As a consumer, I trusted PayPal to provide equitable financial services and fair treatment, regardless of background. Their actions, however, have contradicted these expectations, leaving me feeling discriminated against and unsupported. 

I respectfully request the CFPBs assistance in investigating this matter. I believe it is essential to hold PayPal accountable for their actions and ensure that such discriminatory practices are addressed and prevented in the future. 

Thank you for your time and consideration in reviewing my complaint. I look forward to any updates or guidance on how this matter can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX To Whom It May Concern : This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

XXXX  XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ).

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. 

Sincerely, 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 2024-11-21 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. 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 2024-11-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by 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 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> I purchased a refrigerator from XXXX 's using Paypal online. On XX/XX/XXXX the refrigerator was returned due to damage. XXXX 's submitted a refund to paypal and paypal failed to refund the money to my account. The amount was {$1100.00}. I filed a dispute in XXXX and when they responded back the email went to junk mail. When I finally got around to looking into it I discovered they denied my appeal. I called customer service to discuss and they looked at my account and confirmed I never received the refund and refiled the dispute. It was denied because I had exceeded 120 days. Paypal refuses to review the case, and refuses to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
i am requesting my copy of the 1099-c from each company so i can file it on my taxes as income, since it was charge off. Income can not be reported on my credit report which is inaccurate information. 

XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX navy federal credit union XXXX XXXX navy federal credit union request that these accounts be deleted from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
i am requesting my copy of the 1099-c from each company so i can file it on my taxes as income, since it was charge off. Income can not be reported on my credit report which is inaccurate information. 

XXXX XXXX XXXX XXXX {$1000.00} comenityXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that these accounts be deleted from my credit report

Company response to consumer: Closed with non-monetary relief