vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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:
On XX/XX/year> I submitted a XXXX  Block Request and Attest Form to Experian. Pursuant to 605C of the Fair Credit Reporting Act, I respectfully requested that they block the reporting of the adverse information identified above ( and any other information related thereto ) within four business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). I asked Experian In addition, please send me notification of the action taken pursuant to this request within five business days ( see 12 CFR 1022.142 ( f ) ). 

Also, I asked Experian to please send me notification of the actions taken. They have not responded. 

Please see attached documents.

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 2024-11-16 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: NC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NY

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Paypal Dispute Skip to case details Item not received I canceled the order Case status : Awaiting seller 's response You filed the case XX/XX/2024 Seller 's turn to respond They have till XX/XX/2024 We'll review the seller 's info This usually takes 5 days Estimated case resolution XX/XX/2024 Update on your case The seller has been asked to share an update on your order. If there's no response from them by XX/XX/2024, you'll be sent a full refund. 
What to expect Once we receive the information from the seller, we'll review and update you by XX/XX/2024, XXXX XXXX. We'll let you know if we need more information. In the meantime, you can submit any additional info you may have. 
Have Something to Share? 
Case timeline XX/XX/2024 You filed a case XX/XX/2024 You shared some info Your responses XX/XX/2024, XXXX XXXX You provided additional info. 

This was a XXXX website and I was attempting to purchase a workbench. This vendor is committing fraud. They are impersonating a XXXX website. Please remove them from your authorized sellers or I will sue your company for enabling fraud. 

Case details Case ID : XXXX XXXX XXXX : {$58.00} USD Seller info : XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Date XXXX XXXX XX/XX/2024 Transaction reported XX/XX/XXXX, Payment Transaction ID : XXXX - {$58.00} USD Additional Info Note Item not correct Item details Item name 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 XXXXXXXX Quantity : XXXX Issue Item not received Cancel case Change case type

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank sent me an offer to open a new checking account with direct deposit which can pay me {$500.00} cash back upon meeting their terms and conditions. It was offer specially for me - as it was sent to me - at my address and with my name. 
But when i tried to open the account-application was denied. with the reason - go and talk to XXXX XXXX XXXX 

If there is an issue- why pnc bank is sending such offers? 
why can't they run the check and then only bother the customers? 
it's a serious waste of time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-16 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: Paypal Holdings, Inc

Complaint narrative:
Good day PayPal, I am writing to express my concern regarding the recent deactivation of my PayPal account, XXXX. Upon attempting to use my account, I was notified that it had been banned, and I would appreciate your assistance in understanding the reason behind this decision. I have always endeavored to comply fully with PayPal 's User Agreement and Acceptable Use Policy. However, I have not received any prior warnings or notifications regarding any potential violations. Therefore, I kindly request clarification on the specific reason that led to the account ban. 

Furthermore, I respectfully request a thorough review of my account with the aim of reinstating it if possible. If there are steps I need to take or additional information I should provide to expedite the review process, please let me know at your earliest convenience. Rest assured, I am committed to working collaboratively to address this matter and restore my account privileges. 

Respectfully yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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:
After reviewing my credit report, I discovered accounts that I did not recognize where apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts and question and they are negatively impacting my credit. Per section 15 USC 1682 c-2, any fraudulent accounts that I did not authorize must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2024-11-16 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: AL

Complaint narrative:
In Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Klarna AB
State: AZ

Complaint narrative:
XX/XX/year> I entered into contract with XXXX XXXX in his XXXX program also known as XXXX for {$4800.00}. Soon after signing on I had a situation that made me realize this is not for me. My computer skills are basic and not advanced as needed. I made my attempt to cancel. But they claim that no refunds are accepted.??? 
I reached out to my attorney. An attorney letter was sent out as well as an email, XX/XX/year>. Another Creditor is involved by the name of XXXX XXXX XXXX XXXX, Ut. On XXXX XXXX my attorney 's letter was returned. Sent to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. I reached out to Klarna via email with attached copies of my attorney 's letter. Interesting that Klarna has no way to allow you to print what is being dicussed, it's all in their site and dissappears. Several weeks went by and I noticed I gotten a voice mail from some one I could not understand regarding XXXX XXXX in review could not understand name or what they wanted. I sent via text to the voice mail phone number requesting a legitimate address. Then next day the entire voice mail disappeared. XXXX XXXX Klarna stated that they will put my defective merchandise for order XXXX on a temporarily pause for me to contact Teachable. Now Klarna states I owe {$5100.00}. I had called my bank to inform them of lost card. XXXXXXXX XXXX  I received an email from Klarna stating to reach out to XXXX to resolve this. At that time I could not get into the account that was orginailly set up I was unable to communicate with them. Therefore I loggedin to Klarna and explained my findings how I have not been able to communicate to cancel my order with XXXX XXXX XXXX I find this company as a fradulent company and a scam. Refund - Cancel or Delete my order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Request for Debt Validation I am writing to formally request validation of the debt that you have reported to me. This communication is being sent under the Fair Debt Collection Practices Act ( FDCPA ) and my right to request verification of the debt. 

Please provide me with the following information : XXXX. The amount of the debt. 
XXXX. The name and address of the original creditor with proof of the original agreement with my signature on it. 
XXXX. A detailed statement that outlines the charges and fees leading to the current amount owed including payment history. 
XXXX. Documentation that shows you are authorized to collect on this debt including date that this debt was obtained. 
XXXX. Any judgments or legal actions taken against me regarding this debt. 

Please note that until I receive this verification, I will consider this debt invalid. Additionally, I request that you cease all collection activities until this debt has been validated. 

Please send your response to the address listed above. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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:
These accounts are inaccurate and reporting wrong. Us code 1681 ( b ) and us code 1681 ( I ). Wrong incorrect information on my credit file is wrong and I would like for these account to be deleted and removed immediately. XXXXXXXX XXXX XXXX XXXXXXXX {$500.00} last report date XX/XX/XXXXXXXX first XXXX XXXX XXXX XXXX  {$700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1000.00} {$1400.00} last report date XX/XX/XXXXXXXX

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
SEVERAL rounds of dispute letters have been sent to address the inaccurate information on my credit profile. Please see the attached REPORTS!! THE INACCURATE INFORMATION HAS BEEN HIGHLIGHTED IN RED MARKS. 

Asked them to adhere to Fair Credit Reporting Act to verify that all information on my credit reports are reporting accurately. 

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 the 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. 

XXXXXXXX XXXX  Account number XXXX XXXX XXXX. Account number XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX Account number 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 2024-11-16 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Non fault car accident occurred which totaled the vehicle. Requested for ally to rewrite contract on XX/XX/XXXX, 2 days after the car accident because it was deemed a total loss. Ally never responded nor provided me with a the info to rewrite my contract. Continued to car charge my account over XXXX XXXX after several request to have my contract rewritten.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: AL

Complaint narrative:
in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items

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