vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: OR

Complaint narrative:
I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account the following is completely accurate. It's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with at the accounts listed and the date that you spoke with them. I also want a confirmation of the address and phone number for the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
requested debt validation from jefferson capital after they sent me written notice that they were a debt collector on behalf of XXXX XXXX XXXX. I asked for validation of debt or proof of debt owed to them. They were unable to do so and did not send any kind of contract that i had with XXXX XXXX XXXX  or proof that jefferson capital had a contract with me to pay them. They called numerous times i requested that they stop calling me and send me proof of debt and they did not they just continued to send me bills and report on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I rented an apartment in XXXX from XXXX - XXXX of this year. I paid for this with a credit card and including a deposit. I was supposed to get my deposit back, however, the rental company is saying there were XXXX XXXX in the unit and is refusing to give my deposit back. The same company is also causing issues with someone else I know and not returning their deposit. I think this is a scam and I was hoping Barclays would have my back. I have spent nearly {$200000.00} with them in the last year alone without even XXXX missed payment or any prior disputes. Barclays has been slow to respond to my dispute and I have inquired about dealing with my case XXXX by email to no avail. I have had to fax in documents, which I have done. I am just hoping to get this resolved soon and hoping that Barclays can help me stand against the rental company with shady business practices.

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 2024-10-09 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: FL

Complaint narrative:
I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY

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 2024-10-09 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-09 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-09 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: MO

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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:
I recently communicated with Trans Union through the CFPB on XX/XX/2024 regarding an account with XXXX XXXXXXXX XXXX that I do not recognize. The original CFPB complaint ID is XXXX. Trans Union stated that the account information regarding the account has been verified as accurate. Unfortunately, I still do not recognize the account or its details. It is inaccurate. And the negative information on this account is hurting me and my credit worthiness. And, also causing me privacy issues. I only operate in the private for my protection and the protection of others. Therefore, I am seeking redress to demand the account be permanently deleted from my credit reports.

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 2024-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XXXX  XX/XX/XXXX, I made an {$310.00} transaction through the company PayPal goods and service. l bought a merchant from an international seller and it was sent through USPS but this package never arrived to me and the signed signature and address is also not mine, but I don't have a security camera to proof that it wasn't delivered to me and the seller neither bought an insurance or asked me if I needed a insurance for the package so USPS would not let me file a claim. I disputed a case on PayPal and provided all the details to PayPal but they denied and closed my case only because the seller provided a delivery number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
My payments are due on the XXXX of every month. I made my XXXX payment on the XXXX of XXXX. They reported me as 30 days late. I called TD Back ( Yard Card ) and the agent said that it had been 30 days since I made my last payment. I asked her if my 30 days started after the XXXX and she said no. I asked why would they have a payment date if they didnt honor the date. I would like for TD Bank to report me correctly and not 30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: IL

Complaint narrative:
have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( Please remove this account before I seek litigation for defamation of character ). XXXXXXXX XXXX Bal. {$12000.00}, XXXX XXXX XXXX. {$190.00}, XXXX XXXX XXXX. {$18000.00}, XXXXXXXX XXXX  XXXX. {$3300.00}, XXXX XXXX XXXX XXXX XXXX. {$1500.00}, XXXX XXXX  XXXX XX/XX/year>

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 2024-10-09 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate

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 2024-10-09 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 was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization nor have I applied to them, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

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 2024-10-09 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I purchased a new home in XXXX  and moved from XXXX. Unfortunately, plans did not go as planned and I was behind right away. I kept close communication with my lending company letting them know when I would be making my payments. A representative I spoke to assured me, my credit would not be affected as long as I made my payment when scheduled. A couple of times, the second half of my payment was past the XXXX  days but it was confirmed by a representative that there would be no credit reporting as long as I paid it as scheduled. I have been hit with a payment on my credit report which has brought my XXXX XXXX by about XXXX pts. The mortgage company said they did an investigation and found no calls of any of their representatives telling me such information. I find it hard to believe they thoroughly went through those calls because if they did, they would have heard when the representative told me my credit would not be affected. I have worked really hard to make sure my credit does not go down due to late payments. I have 100 % payment history on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: FL

Complaint narrative:
I'm concerned about the unfamiliar inquiries on my credit report. I didn't authorize nor consent to these companies accessing my information or have applied to them, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am a victim of romance scam. On XX/XX/2024, I was coerced into sending four transactions, totaling over {$7500.00} to a woman in XXXX. On XX/XX/year> I realized that it was a scam and initiated disputes with Paypal. Paypal, within the same day, closed those disputes and sided with the scammer. Paypal did not perform an investigation and immediately sided with the merchant due to the money being sent by " Friends and Family. '' I initiated chargebacks for the four transactions with my credit card, and Paypal apparently sent additional information SIDING with the scammer. I have initiated various dispute with authorities ( e.g., FBI and US Embassy in XXXX ), and Paypal has not heeded any of this information. 

It takes approximately a month for funds to clear, so Paypal could have canceled/reversed the four transactions that were fraudulent. They, however, have done nothing and aided the scammer in furtherance of her scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: MD

Complaint narrative:
I am now requesting proof of the previous investigation from XXXX. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that is not abiding the law. 
The delinquent payments shown on my credit report XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-09 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: MD

Complaint narrative:
I am now requesting proof of the previous investigation from XXXX. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that is not abiding the law. 
The delinquent payments shown on my credit report XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. 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 2024-10-09 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IT CAUSES ME XXXX AND XXXX EVERYTIME SEEING THIS FRAUDULENT ACCOUNT TO MY CREDIT REPORTS. PLEASE REMOVE AND BLOCK IMMEDIATELY.

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 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> This CFPB complaint was filed to request pursuant to FCRA subsection 605B ( 15 U.S.C subsection 1681c-2 ) that you the Equifax credit reporting agency block information appearing on my consumer credit report which is a result of identity theft and or fraud within 4 business days of receiving this complaint. This fraud, inaccurate, and false information consist of, 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. These accounts have resulted in several fraud inquired and fraud collections appearing on my consumer FICO credit report. Ive attached a list of the fraudulent hard inquires and a copy of my consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize said aforementioned fraudulent items reported, these accounts were not made, opened or initiated by me. All of these aforementioned hard inquires and collections are results of identity theft and or fraud. I have also attached a copy of FTC identity theft complaint # XXXX as proof from the US Federal trade commission that all of the aforementioned consumer credit accounts, collections and hard inquires are result of identity theft and or fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against Citi Bank for its inadequate response to my dispute regarding fraudulent charges amounting to over {$72000.00} from XXXX XXXX XXXX, a XXXX  scheme based in XXXX. Despite providing Citi Bank with comprehensive documentation, my case has not been resolved satisfactorily, and I am seeking your intervention. I submitted a XXXX page document detailing the fraud, which included transaction records, communication with XXXX XXXX XXXX, and evidence of their XXXX  scheme operations. 

Under Federal Law, it is Citi Bank 's duty to fully investigate ALL of the charges and provide provisional credits while the matter is investigated. Citi Bank has FAILED to address ALL of the charges resulting from this XXXX  scheme defrauding me. As of the last week charges have been placed back on my credit cards placing considerable financial strain on 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 non-monetary relief