vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9600.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$9600.00} XXXXXXXX XXXX XXXX XXXX XXXX  - {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$10000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-22 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: TN

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
In 2023, American Express denied my request ( s ) for Hardship, to lower or stop interest, and to stop contacting my ex-husband of 15 years about my account that he had never been listed on/associated with. They also suggested I borrow money from my parents to help make payments, both of whom are dead. 

On XX/XX/2023, I received a letter from American Express stating that my " Total Balance Due '' was {$2.00}, XXXX I received a letter dated XX/XX/2023 from American Express stating that they had transferred my account to XXXX XXXX XXXX XXXX for collections. This letter stated the balance was {$21000.00} I received a phone call on or around XX/XX/2023 from XXXX XXXX XXXX XXXX regarding a debt I owed. I disputed this debt immediately via letter and requested information about the final statement, any payments received since the final statement, and other information needed to validate the debt was mine. 

I was not provided any documentation from XXXX XXXX XXXX XXXX that proved the debt was valid/that I could verify it was mine. They provided no response to my dispute letter. 

Days later I received a letter dated XX/XX/2023, from the Law Office of XXXX XXXX, with a debt collection letter for the same American Express debt. I sent a letter of dispute, stating that 10 days prior I had received a letter from a different debt collector who was located in California, and whom American Express had notified me in writing was whom they had transferred my account to for collections. I explained my confusion. I requested the date he received the account and the amount it was at when he received it, and I was never provided that information, which was important as I had been told directly via letter from American Express only 12 days earlier that XXXX XXXX XXXX XXXX had been transferred my debt, not XXXX XXXX. 

I was served with a lawsuit from American Express with XXXX communication aside from the debt collection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: AZ

Complaint narrative:
the company was disputed multiple times and still not change and has not provided any verfiying data my personal information dos not match the debt

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 2024-10-22 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: AZ

Complaint narrative:
the company was disputed multiple times and still not change and has not provided any verfiying data my personal information dos not match the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: AZ

Complaint narrative:
the company was disputed multiple times and still not change and has not provided any verfiying data my personal information dos not match the debt

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 2024-10-22 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: MO

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 2024-10-22 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: MO

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 explanation
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
I am writing to formally submit a complaint against the three major credit reporting agenciesXXXX XXXX, and Equifaxregarding their handling of my recent disputes. I believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Despite my efforts to dispute inaccuracies on my credit report, none of these agencies conducted a proper investigation. Specifically : XXXX XXXX XXXX " XXXX XXXX ", in the amount of {$280.00} XXXX XXXX XXXX in the amount of {$1000.00} and XXXX XXXX XXXX in the amount of {$1700.00}. 
There rare also numerous of fradulent inquiries on my XXXX credit profile and Equifax. such as : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

Failure to Investigate Disputes : Each agency did not adequately investigate the information I disputed. I provided supporting documentation to substantiate my claims, but my disputes were dismissed without a thorough review. 

Lack of Original Contracts : I requested original contracts and documentation related to the disputed accounts, but I did not receive any. This lack of transparency raises concerns about the validity of the debts reported. 
Failure to Validate Debt : The agencies did not validate the debts as required under the FCRA. Without proper validation, the accounts in question should not be reported on my credit file. 
These issues violate 15 U.S.C. 1681b, which outlines permissible purposes for consumer reports, and the FCRA 's requirements for accurate reporting and dispute resolution. Furthermore, the agencies failed to address my disputes in a timely manner, as mandated by law. 
I respectfully request that the CFPB investigate this matter and take action to ensure compliance by these agencies. I believe the disputed accounts should be removed from my credit report, given the lack of proper investigation and validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
I am writing to formally submit a complaint against the three major credit reporting agenciesXXXX, Experian, and XXXXregarding their handling of my recent disputes. I believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Despite my efforts to dispute inaccuracies on my credit report, none of these agencies conducted a proper investigation. Specifically : XXXX XXXX XXXX " XXXX XXXX ", in the amount of {$280.00} XXXX XXXX XXXX in the amount of {$1000.00} and XXXX XXXX XXXX in the amount of {$1700.00}. 
There rare also numerous of fradulent inquiries on my XXXX credit profile and XXXX. such as : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

Failure to Investigate Disputes : Each agency did not adequately investigate the information I disputed. I provided supporting documentation to substantiate my claims, but my disputes were dismissed without a thorough review. 

Lack of Original Contracts : I requested original contracts and documentation related to the disputed accounts, but I did not receive any. This lack of transparency raises concerns about the validity of the debts reported. 
Failure to Validate Debt : The agencies did not validate the debts as required under the FCRA. Without proper validation, the accounts in question should not be reported on my credit file. 
These issues violate 15 U.S.C. 1681b, which outlines permissible purposes for consumer reports, and the FCRA 's requirements for accurate reporting and dispute resolution. Furthermore, the agencies failed to address my disputes in a timely manner, as mandated by law. 
I respectfully request that the CFPB investigate this matter and take action to ensure compliance by these agencies. I believe the disputed accounts should be removed from my credit report, given the lack of proper investigation and validation.

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 2024-10-22 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: SC

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry from XXXX XXXX Bank appearing on my credit report. I did not apply for any credit or authorize this inquiry, and it is negatively affecting my credit score. I request that this inquiry be removed immediately to correct my report and prevent further harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: SC

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry from XXXX XXXX Bank appearing on my credit report. I did not apply for any credit or authorize this inquiry, and it is negatively affecting my credit score. I request that this inquiry be removed immediately to correct my report and prevent further harm to my credit profile.

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 2024-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I questioned a charge on PayPal- I later contacted PayPal 5 times including today - the bank credit card advised PayPal twice - PayPal is refusing to close my account - stating the charge is pendingwhich is NOT accurate. Please help me. This has been going on for almost a month. I had to pay the vendor personally-

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the immediate removal of inaccurate addresses from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Please find enclosed a copy of the Federal Trade Commission ( FTC ) Identity Theft Report, which I have submitted, as well as supporting documentation, including a recent utility bill that verifies my current and correct address.

I do not recognize nor have I ever been associated with the following addresses currently listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The Only address that should be reported is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Under the Fair Credit Reporting Act XXXX it is your responsibility to ensure that all information reported on my credit file is accurate and verifiable. These addresses are incorrect, and I do not wish for them to remain on my credit profile, as they are damaging and misleading. 

In addition, under the Uniform Commercial Code ( UCC ) and the Truth in Lending Act ( TILA ), I have the right to fair and accurate reporting of my personal information. I request that your bureau remove these erroneous addresses from my credit report to prevent further potential damage.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the immediate removal of inaccurate addresses from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Please find enclosed a copy of the Federal Trade Commission ( FTC ) Identity Theft Report, which I have submitted, as well as supporting documentation, including a recent utility bill that verifies my current and correct address. 

I do not recognize nor have I ever been associated with the following addresses currently listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The Only address that should be reported is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Under the Fair Credit Reporting Act XXXX it is your responsibility to ensure that all information reported on my credit file is accurate and verifiable. These addresses are incorrect, and I do not wish for them to remain on my credit profile, as they are damaging and misleading. 

In addition, under the Uniform Commercial Code ( UCC ) and the Truth in Lending Act ( TILA ), I have the right to fair and accurate reporting of my personal information. I request that your bureau remove these erroneous addresses from my credit report to prevent further potential damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive been calling everyday since XX/XX/year>. I paid for all 3 FICO scores and this is the error I keep getting : Sorry, we can't show you today 's 3-bureau report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

I do have a record and they will not share my FICO XXXX score only the other one. I keep telling them I need FICO XXXX because Im trying to purchase a house and was told no 8 times. Im losing this housing deal because they wont even give my score to the bank, they gave me the task to try and Im not getting anywhere with them. I called all 3 bureaus.

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 2024-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: InDebted Corporation
State: TX

Complaint narrative:
Since XXXX XXXX XXXX, I have received an overwhelming number of communications regarding a debt, despite being in a vulnerable financial position. Specifically, I have received 27 emails from the address XXXX and 13 text messages from the shortcode XXXX. These messages came almost daily, often claiming that Indebted USA and XXXX XXXX knew I had opened an email, even when I had not.

This persistent communication has caused me significant emotional distress and XXXX. Every time my phone went off, my stress levels spiked, as the notifications were frequently from Indebted USA or XXXX XXXX. These messages were especially XXXX XXXX XXXX XXXX XXXX during a period where I was struggling to regain financial stability after being out of work for an extended period of six months. During this time, I fell into XXXX due to financial stress, lack of sleep, and the overwhelming process of job searching.

The constant barrage of messages exacerbated my financial XXXX, worsened my XXXX, and even led to XXXX XXXX XXXX XXXX XXXX. I have lost hair and have experienced increased stress-related symptoms. I believe that the actions of Indebted USA and XXXX XXXX violate the Fair Debt Collection Practices Act (FDCPA), which prohibits such harassing and abusive behaviors from debt collectors.


Please find attached records of the communications I have received and any additional information you may require to investigate this matter.

Thank you for your attention to this serious issue.

Emails from InDebted: 
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