vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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: GA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of 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 non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MA

Complaint narrative:
I have {$7000.00} in crypto currency assets on cash app that I am unable to access. My account is frozen and despite several attempts with customer service over several months I am unable to resolve this case

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: IL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: IL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: I.C. System, Inc.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 
15 U.S.C 1681 Section 602 A. I have the rights 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

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 2024-04-12 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:
Upon reviewing my Consumer Reports, I discovered that there was an instance of a late payment on an account that I have always been punctual with. It is crucial for Consumer Reporting Agencies to fulfill their responsibility of accurately reporting consumer information. I have never missed a payment for the account in question : XXXX XXXX XXXX XXXX : XXXX. I kindly request an investigation into this matter and ask for evidence in the form of statements that demonstrate these payments were indeed late. If no proof can be provided, I insist that these payments be corrected to reflect their actual on-time status, as I have never been late. Thank you.

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 2024-04-12 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:
Upon reviewing my Consumer Reports, I discovered that there was an instance of a late payment on an account that I have always been punctual with. It is crucial for Consumer Reporting Agencies to fulfill their responsibility of accurately reporting consumer information. I have never missed a payment for the account in question : XXXX XXXX XXXX XXXX : XXXX. I kindly request an investigation into this matter and ask for evidence in the form of statements that demonstrate these payments were indeed late. If no proof can be provided, I insist that these payments be corrected to reflect their actual on-time status, as I have never been late. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX payment in full XXXX XX/XX/XXXX talk to them about remove it XXXX XX/XX/XXXX call about remove it XX/XX/XXXX call about remove it XXXX XX/XX/XXXX call about remove it XXXX XXXX XXXX XXXX  XXXX years ago he had a XXXX XXXX the car was total lost since I was a co-signer on the car I call them I pay in full I was told that they was going to remove the car from credit after I pay it off, well I pay the car off now its been 5 months they havent remove the car from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I charged a purchase in the amount of {$750.00} to PayPal Credit ( Synchrony Bank ) card on XX/XX/XXXX. ( Statement attached. ) In XXXX, I erroneously filed a fraud complaint with Synchrony Bank, having forgotten that I made the purchase the previous month. ( Statement attached, but dispute is not documented on it. ) On XX/XX/XXXX, I realized my mistake and contacted Synchrony Bank to reverse the fraud charge. They told me that the dispute would be resolved and payment would be submitted to the vendor within 2 billing cycles. 

On XX/XX/XXXX, the vendor inquired with PayPal about the charge and received a letter in response indicating that there had been a dispute on the original charge. No new payment had been received by the vendor. 

I contacted Synchrony Bank and was told that the charge had been returned to the vendor on XX/XX/XXXX ( statement attached ) and that if there was still a dispute, I should show the vendor my statement as proof. My PayPal account still showed a pending dispute, so I called PayPal to verify. PayPal told me that only Synchrony could close the pending dispute.

Over the next few weeks, I made many calls to PayPal and Synchrony Bank about the payment not being received by the vendor. PayPal agreed that the charge was pending release of the payment from Synchrony and Synchrony Bank told me that th
e issue was resolved on their end and that only PayPal could release the payment to the vendor.

No matter how many times I called or who I spoke to, I was unable to have the issue resolved. 

The XXXX statement from Synchrony Bank ( PayPal Credit- attached ) shows and adjustment and balance transfer but doesn't indicate to whom the balance was transferred. This is insufficient proof that payment to the vendor was made.

As of today, the vendor has still not been paid. My PayPal account indicates that the dispute is still under review. Several weeks ago, by phone, I requested from a manager at Synchrony ( PayPal Credit ) that the transaction amount of {$750.00} be returned to me. He refused to credit me for the purchase, even though the transaction was not successfully completed. I requested information about filing a formal written request for a refund and he said that I could send a letter to Synchrony Bank 's general delivery address but that there is no formal mechanism for such a request.

Please see the attached screenshot and letter from PayPal indicating that the dispute is still under review even though more than two billing cycles ( the maximum time PayPal claims it may take to resolve a dispute ) has passed.

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 2024-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MO

Complaint narrative:
please respond asap IN WRITING Q : Is there a record or flag on my loans that show it was to be urgently and fully XXXX under SvC? Q : Is there any payment history that is hidden to XXXX, known only to mohela that might be a reason for the delay on the instructions? Q : Is there anything about this loan discharge that is more or less complicated than other loans in this category? Q : Is Mohela aware of the BD apps that are overdue?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have called the US Dept of Education regarding XXXX inaccurate reporting student loan payments. During the CARES act, collecting student loan was not reported to credit agencies. This agency reported XXXX missed payments and caused my credit score to drop. I requested information and they said it has not reported that way which is not true. I have called 4 times and they will not fix this. I am applying for a home and this is negatively affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted an application for housing to XXXX XXXX property management and was denied XXXX mins later with no explanation of why. If I have missing items XXXX submit those items. I paid an application fee of {$50.00} dollars and should be refunded if XXXX not approved. XXXX property management did the same exact thing when I submitted my application I was denied in XXXX mins after applying with them and paying a XXXX dollar application fee. I havent received a response from either company. XXXX applying for residency in XXXX Ohio.

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 2024-04-12 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MD

Complaint narrative:
I have spoken to Mohela customer representatives multiple times throughout the year 2024 after discovering a significant erroneous student loan charge of {$150000.00} on my credit report. Upon my realization, I promptly reached out to Mohela. They informed me that they did not have a record of a {$150000.00} charge and that my actual balance was {$170000.00}. However, my credit report reflects a student loan debt of over {$350000.00}, which is fraudulent and inaccurate. This error has severely affected my credit score, leading to numerous rejections in various credit-related applications as a result of this substantial discrepancy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TX

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 2024-04-12 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: TX

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 2024-04-12 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: FL

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 2024-04-12 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: GA

Complaint narrative:
I am writing to formally dispute unauthorized inquiries listed on my credit report, which were conducted without permissible purpose, thus violating federal law. Pursuant to 15 USC 1681b, credit inquiries must be made with permissible purpose, and any inquiries made without such purpose are considered unauthorized.

The inquiries in question were conducted without my consent or authorization and were not initiated for any legitimate business need. As a result, they do not meet the requirements outlined in the Fair Credit Reporting Act ( FCRA ) and must be removed immediately.

Furthermore, these unauthorized inquiries also violate 15 USC 1681e ( b ), which mandates that credit reporting agencies must ensure the accuracy of the information they report. By including unauthorized inquiries on my credit report, the credit bureaus have failed to uphold this requirement, thereby further violating federal law.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that the unauthorized inquiries are promptly removed from my credit report. Additionally, I urge the Bureau to hold the credit reporting agencies accountable for their failure to comply with the FCRA and other relevant consumer protection laws.

Enclosed with this letter is a list of my credit report highlighting the unauthorized inquiries below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : ACCOUNT NAME ACCT # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A 2 : It also states a consumer Reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 information is inaccurate.

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