vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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 am contacting you to dispute a hard inquiry on my credit report that I believe is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
I am contacting you to dispute a hard inquiry on my credit report that I believe 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 explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I, XXXX XXXX, have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws regarding how my personal and credit information has been handled. Specifically : Willful Noncompliance : Under 15 U.S.C. 1681n, credit information about me was accepted and reported without proper verification, demonstrating willful noncompliance with federal requirements. This has caused harm to my credit standing.

Failure to Disclose Opt-Out Rights : Per 15 U.S.C. 1681a ( d ) ( 2 ) ( A ), I was not informed of my right to opt out of having my personal information shared. This omission violated my consumer rights and resulted in misuse of my data.

Reporting Inaccurate Information : In violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ), inaccurate accounts and inquiries were furnished without proper validation. This includes discrepancies in debt amounts, late payment reports, and unverified accounts.

Unfair Debt Collection Practices : Debt collectors engaged in harassment by reporting inaccurate debts and contacting third parties improperly, violating the Fair Debt Collection Practices Act ( 15 U.S.C. 1692d ) and regulations on acquiring location information ( 15 U.S.C. 1692b ).

Deceptive Reporting of Late Payments : My credit report includes " late payments '' that are inaccurately reported, with no clear definition of what constitutes a late payment, violating 15 U.S.C. 1666b. This is both deceptive and harmful to my financial reputation.

Unauthorized Reporting : Information was included in my credit report without my explicit consent, which contravenes the permissible purposes under 15 U.S.C. 1681b.

Negligent Noncompliance : Some accounts were reported without verifying their accuracy, breaching 15 U.S.C. 1681o, which establishes liability for negligent handling of credit information. 

These violations have led to false or unverified information on my credit report, causing financial distress, unnecessary contact from creditors, and damage to my creditworthiness. I am demanding that all unverified and inaccurate accounts and inquiries be corrected or removed promptly as required by law. If these issues are not resolved, I am prepared to pursue legal remedies to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I discovered several serious violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws regarding how my credit report has been handled. These violations have caused me significant stress, and I am determined to address them. 

Willful Noncompliance ( FCRA Section 616 ) : Credit information about me was reported without any effort to verify its accuracy. This willful disregard for accuracy violates the law and carries civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of having my personal information shared, which is deceptive and violates my rights as a consumer. 

Furnishing Inaccurate and Deceptive Information ( FCRA Section 623 ( a ) ( 3 ) ) : Accounts such as XXXX, XXXX, and XXXX XXXX XXXX  were added to my credit report without proper validation. These entries are outdated, inaccurate, and deceptive. 

Violations of the Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Unverified debts and accounts were reported without my consent, leading to harassment and unnecessary contact from creditors.

Unauthorized Disclosure of Debt Information : Debt collectors disclosed my personal information to third parties, alleging I owed debts that were neither verified nor accurate. This is a direct violation of privacy regulations. 

Deceptive Late Payment Reporting : My credit report shows late payments, but there is no clear explanation of what constitutes a late payment. This is both inaccurate and misleading. 

Failure to Accurately Determine Finance Charges : Finance charges were reported incorrectly, reflecting errors on my credit report that are your responsibility to resolve. 

Unauthorized Reporting Without My Consent : Accounts like XXXX and XXXX were added to my credit report without my written consent, violating permissible purposes under the FCRA. 

What I Expect I am not letting this go unresolved. I demand : The immediate removal of incorrect and outdated personal information, including incorrect addresses such as XXXX XXXX XXXX XXXX XXXX 
Deletion of unverifiable accounts like XXXX, XXXX, and XXXX XXXX XXXX 
Validation of debts under 15 U.S.C. 1692g, and the removal of any that can not be verified.

Compliance with the FCRA, Debt Collection Practices Act, and all other applicable laws. 
These violations have caused me unnecessary stress and confusion, and I am taking the necessary steps to ensure my rights are protected. If these issues are not addressed immediately, I am prepared to take legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

I demand accountability, and I will not rest until these errors are corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
This is complain about PAYPAL I purhase product from XXXX I paid to XXXX XX/XX/XXXX, Payment Transaction ID : XXXX - {$6500.00} USD I used PAYPAL to pay for this transaction Then PAYPAL used XXXX XXXXXXXX to process the payment see attach XXXX XX/XX/XXXX XXXX XXXX ... XXXX {$6500.00} XXXX XXXXXXXX Then I did not heard from the seller for long time and I decided to open dispute Case details Case ID : XXXX from PAY PAL Disputed amount : {$6500.00} USD Shipping address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Date reported XXXX XX/XX/year> Invoice ID : XXXX Then problem was resolve and I close dispute Your responses XX/XX/year>, XXXX PDT You notified us that youll no longer be disputing the case with your financial institution.l Meanwhile XXXX XXXX XXXX  was notify as well When I notify the that I want to dispute charges they transfer money back to my accountXXXX XXXX XXXXXXXX. 
Then I told them I want to cancel dispute they perform following transaction see XXXX XXXX XXXXXXXX and send me a letter see XXXX In this letter they saying that they talk this amount of {$6500.00} out from my account, but it does not say anywhere where these money went. 

I ask to provide me documentation of my money location or reversal of charge back receipt. 
They refuse to provide any of these documents or tell me location of my money. 

They claiming that money went to PAYPAL, but PAYPAL saying that they do not have money too. 

Latest development was that PAYPAL told me that money were transfer to the seller, but how it's possible if in the same time they claiming they do not have money in their possation. 
Paypal also refusing to provide any documentation to proves their claims. 

Bottom line I do not know who actually stole my money. It's been over 90 days already. 
Last time I talk to Paypal manager and she told me that it's going to be another 75 days. 

I do not think I am going to see my money even after 75 days. I think these money are stolen Dispute number for XXXX  is XXXX Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX  was one servicer of one of my several federal student loans. The loan originated in XXXX and I had 176 months of perfect payments, and the loan was paid off in XXXX. In XX/XX/XXXX, I had credit score of XXXX, important because I am buying a new home. However, XXXX  erroneously submitted information from XXXX and XXXX, and two delinquencies are being reported from XXXX my loan was PAID OFF IN XXXX. 

XXXX acknowledges the error. They dont know why the incorrect information from XXXX and XXXX was submitted to Experian XXXX but they are unwilling to resubmit as they say they can not. This has caused a material damage with interest charges for XXXX loans of {$740.00}, as well as the loss of my home loanit needs to be immediately corrected so I dont lose this house I am purchasing and XXXX and Experian need to pay damages in remuneration. 

I have had to address this issue with XXXX 8 times since XXXX, and while they eventually correct it, they inevitably end up resubmitting incorrect information that is causing material damage. XXXX and Experian, XXXX and XXXX need to be held accountable and this error needs to be fixed 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 2024-12-05 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: TN

Complaint narrative:
It is the EXPERIAN 's responsibility to furnish ALL documentation upon my demand from ANY CREDITOR from whom the EXPERIAN is receiving NON-CONSENTED information concerning my PRIVATE accounts.EXPERIAN is willfully acting negligently and with frivolous reporting that is inconsistent with the other reporting agencies and in violation of 12 CFR 1022.43. 
I received a copy of my credit report and found the following item listed below to be an error. XXXX OPEN DATE : XX/XX/2022 - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.

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 2024-12-05 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:
PLEASE BLOCK AND REMOVE. Kindly expedite the removal of the unauthorized accounts from my credit report. I did not authorize or initiate these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their removal within 15 days. Relevant documents are enclosed for your review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
EVERYONE SHOULD CHECK THEIR PROMISSORY NOTES FROM MOHELA ASAP! 

IN THIS MATTER, MOHELA IS REFUSING TO HONOR PAYMENT TERMS ON THE PROMISSORY NOTE AND CONTINUES TO OVERBILL. 

Paragraph 6 : Minimum Repayment This provision is clear and unconditional, stating : " Notwithstanding paragraphs 3 and 4, I agree to pay at least {$50.00} per month or the unpaid balance, whichever is less. '' The phrase notwithstanding paragraphs 3 and 4 indicates that this minimum repayment clause takes precedence over the standard repayment terms and the graduated repayment option. It creates a safety net to ensure that the borrower is not required to pay less than {$50.00} per month unless the balance itself is under {$50.00}. 

NOTE : PROMISSORY NOTE IS INVALID, AS IT SAYS ATOP THE NOTE. WHILE THE INVALIDITY IS BEING HANDLED, THEY ARE STILL IN BREACH OF CONTRACT RE : THE {$50.00} MINIMUM REPAYMENT THAT IS DEEMED ACCEPTABLE BY THE PROMISSORY NOTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Hello. Im sorry, due to my XXXX I am confused. My XXXX, XXXX mother ( XXXX XXXX XXXX ) and myself ( XXXX & XXXX ) were victims of fraud in excess of {$120000.00} and are still finding accounts. Police report is open and we know the suspects. Home Depot has denied the fraud claims. What a nightmare. We did not open any Home Depot Cards at all. We have not BEEN to Home Depot, if they checked their cameras they would NOT see us. We did not give anyone authorization to use our information to open a Home Depot card. I am receiving correspondence from Home Depot for XXXX XXXX AND XXXX XXXX. Home Depot states they need the complete Police Report to dispute the denial of the fraud claims. Report is NOT complete. The contractors that worked on my house ( the suspects that stole cards from our wallets and opened other accounts ) were to be paid through a Home Equity Line of Credit, but they stole that as well. They were never authorized to open a Home Depot card. They are pros at fraud ( look at their police records ). They make it look like these purchases were for materials for my house but I promise you they were NOT. And even if they were, the suspects opened the card fraudulently. 
Thank you 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 2024-12-05 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: TX

Complaint narrative:
This is my second complaint with this company regarding this account that does not belong to me. The first complaint is showing as closed however the problem has not been solved- the account DOES NOT BELONG TO ME and is still reporting on my file!!! I am tired. I have reached out to the company and they are doing nothing. I've requested documentation of their alleged investigation into this account including who they spoke with to verify this account, all documentation bearing my signature for this account, how they completed their investigation and much more. I have YET to receive any of this information. Taking legal action is even more time consuming but im so tired of playing cat & mouse with these companies that will be my next course of action if this is not taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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 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 non-monetary relief
Consumer complaint received 2024-12-05 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:
Fraudulent inquiries on my trans union credit report I filed several disputes and nothing

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 2024-12-05 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-05 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: IN

Complaint narrative:
I am filing this complaint against Equifax for failing to respond to my dispute letter and for not conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to Equifax via mail to dispute the inaccurate and incomplete reporting of a bankruptcy on my credit report : Bankruptcy Reference Number : XXXX Filing Date : XX/XX/XXXXXXXX  Court Name : XXXX XXXX To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address Despite receiving all required documents and a detailed explanation of my dispute, Equifax has failed to : Provide a timely response to my dispute, as required by the FCRA. 
Conduct a reasonable investigation into the accuracy and completeness of the disputed information. 
Equifaxs inaction is a direct violation of the FCRA, which requires credit bureaus to : Investigate consumer disputes within 30 days of receipt. 
Ensure that only accurate and verifiable information is included in credit reports. 
I request that the CFPB take action to ensure Equifax complies with the FCRA and provides a resolution to my dispute. Specifically, I am requesting the following : Removal of the unverifiable bankruptcy ( Reference Number : XXXX ) from my credit report. 
Removal of any other inaccurate or negative accounts included in my dispute. 
Written confirmation from Equifax that these corrections have been made to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
XX/XX/year>, I reached out to them to resolve this matter and also asked for information from them, but they didn't provide me with any. 

They claimed that I owed them {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: OH

Complaint narrative:
XXXX XXXX  and transuniin are inaccurately reporting XXXX XXXX XXXX You are reporting this collection status as open which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and has been removed. 
Please DELETE 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