vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: NH

Complaint narrative:
I initially called on XX/XX/XXXX to try and discuss why I am unable to use my account. I talked to an agent that said my information did not match those that was on the account and that I had to send information to the Equifax office of consumer affairs. I sent this information that Friday and was told it would be 5 days processing. That next Friday I called again because I had no response back even though I gave all my contact information they told me it was actually XXXX days processing. I waited until the next Friday and called again. They where still unable to validate my identity and now told me that my SSN did not even exist in the system and the agent said the first agent lied to me and that I don't exist in the system at all and that I need a credit card company to send a report to Equifax to update this information. I then called XXXX and had them send this information over. I waited XXXX business days and called Equifax again. The agent on the phone had me verify my identity and told me the name and address of the person who has my account information. I said this information was incorrect and she then transferred me to the office of consumer affairs which is who I sent the information to back on XX/XX/XXXX it is now XXXX XXXX. Talking to this agent he told me they never received any documentation and that they can't do anything unless they have paperwork through the mail and said sending it certified doesn't matter because they need to see the paperwork. I am trying to get a mortgage but this is preventing me and this has been going on for a month now and I am getting ran in circles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I purchased an XXXX XXXX from XXXX in XXXX of 2023. I never activated the phone or service with XXXX. I returned the unopened XXXX to the XXXX store in XXXX XXXX XXXX CA 3 days after I received the XXXX. The store employees told me the return was processed and I received a email confirmation that the return was processed. XXXX then started sending me bills, for what I'm not sure. When I tried to contact XXXX they could not help me as I did not have an account with them and there was no record of an historical account since I never had an active plan. 

Now Amsher Collections is trying to collect a debt I do not owe. I want the collection removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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 have contacted credit bureaus to dispute three accounts being reported without permissable purpose. That is a direct violation of my consumer rights and an infringement on my right to privacy. I have listed the US codes and the FCRA violations associated with this complaint. 

The three unauthorized accounts are as follows : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX  - Account Number XXXX XXXX The unauthorized reporting of these accounts constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and several provisions of the United States Code. The FCRA violations include : 1. Section 1681b : Failure to obtain permissible purpose before accessing and reporting consumer credit information. 
2. Section 1681e : Failure to maintain reasonable procedures to ensure the accuracy of information reported. 
3. Section 1681s-2 : Failure to provide accurate information to consumers and credit reporting agencies. 
4. Section 1681s-2 ( b ) : Failure to correct or delete inaccurate information after receiving notice of a dispute. 

Furthermore, the unauthorized access and reporting of my credit information without permissible purpose violate the following United States Codes : 1. USC Title 15, Section 1681 : Congressional findings and statement of purpose.

2. USC Title 18, Section 1028 : Fraud and related activity in connection with identification documents, authentication features, and information.

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 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Filed a dispute with my bank they refused to give me my XXXX $ back and actually investigate this incident my card was stolen and was used without me authorizing anything I have been waiting for almost a month with no type of answer can I please get my money my card was used

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-17 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: NC

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Subject : Complaint Against Debt Collector for Unauthorized Credit Access Dear FTC CFPB XXXX XXXX and XXXX I am writing to file a complaint for accessing my credit report under false pretenses. I believe this action violates the Fair Credit Reporting Act ( FCRA ) and warrants investigation. 
I have never given any permission nor signed any disclosures with these creditors. I have asked several times for docs and they continue to violate my rights. I have suffered damages as the information has caused me to lose my job and triggered severe emotional distress. I am writing this letter on my own initiative and free will. I have found inaccuracies in my credit reports, and the FCRA Act mandates that actual people, not computer programs, verify credit reports. Verification will come from talking to people I know, since the information provided by secondary credit reporting agencies is often inaccurate. I, the author, request that this content be removed immediately.Provide evidence of the debt, such as accurate bookkeeping. A signed invoice that attests to their allegations against you. A copy of the legally binding agreement that binds you and the other party ; send this letter by recorded delivery so that someone else can confirm receipt. I have sent them a cease and desist letter along with multiple debt validation letters. They refuse to send me an original contract. I have contacted the Creditor/Agency asking for proof of the alleged debt, specifically the alleged original application bearing my signature ; they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. According to 12 CFR 1022 subpart E, I am challenging the accuracy and integrity of the information. 
I have requested the FTC, CFPB and my legal counsel to investigate this matter promptly and take appropriate action against the debt collector in question. Your assistance in resolving this issue is greatly appreciated. FTC and CFPB reports have been filed. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I successfully linked my Paypal account to my landlord 's online payment portal. On XX/XX/XXXX, I submitted the payment on the online portal for {$270.00} using my Paypal account. The account had been linked using the account number and routing number provided by Paypal. On XX/XX/XXXX, I was notified by Paypal that the payment had been rejected because the Paypal account was not set up for external transfers. As a result, I incurred {$250.00} of late fees charged by my landlord even though there were sufficient funds in the Paypal account for the rental payment. I called Paypal and submitted a case on XX/XX/XXXX, XXXX Paypal representative that I spoke with told me that my Paypal account was not set up for transfers, which is why the transfer was rejected. I told the representative that I was not notified of that and was confused as to why I was able to link my Paypal to my landlord 's account if the transfer would just be rejected. The representative told me to send proof of the late fees and that the case would be reviewed for compensation. I did not hear anything back and called on XX/XX/2024, to inquire about the status. The Paypal representative said that there was no record of the case, and I requested to speak with a supervisor. The supervisor was very rude and said that they would not compensate me because my account was not set up correctly and it is not their fault. I explained that it was in fact their fault because I used their technology assuming that it would work correctly due to the availability of my routing number and account number. As a result, I incurred late fees due to the failure of their technology. There was no evidence that the account was not set up correctly. This is blatantly poor business practice and consumer abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: NJ

Complaint narrative:
Description of complaint : - On XX/XX/XXXX, an order was placed with XXXX  for a leather backpack for the price of {$270.00} The merchandise was paid using XXXX to allow for XXXX equal payments of " buy now, pay later ''. 
- The expected delivery date was between XX/XX/XXXX and XX/XX/XXXX. 
- After XX/XX/XXXX, several attempts were made to contact the vendor directly via email, XXXX XXXX, and lnstagram direct message to follow up with my order with no response. 
- Raised a dispute with XXXX on XX/XX/2024 with all supporting information. 
- Several back and forth emails with XXXX advising there is no communication from the seller and requesting for a refund is being denied until a response from the seller takes place. 
- XXXX states they can not issue the refund unless the merchant Issues the refund. 
- If XXXX is using my credit card / debit card for payment, as the consumer, I should be subjected the same protections I would have when I use my payment cards directly with the retailer. 
- All request for refund being Ignored by XXXX at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
CFPB, I am writing to lodge a formal complaint against I C System regarding their ongoing attempts to collect an alleged debt purportedly linked to my personal information, yet substantiated by no concrete documentation as required by law. 

As detailed in my previous correspondences with I C System, the most recent on XX/XX/2024, and as evidenced in the attached email exchanges and the official debt dispute letter dated XX/XX/2024, I have repeatedly requested validation of the alleged debt ( Consumer Financial Protection Bureau, Ref : FDCPA 12 CFR 1006.34 ). I C System has consistently failed to provide any valid account number, original creditor information, or any contractual obligations that link me to the supposed debt. 

I have clearly outlined the statutory requirements for debt collection attempts and provided sufficient personal identification details to assist in resolving this matter. However, despite these efforts, I C System has not furnished the requisite information to verify or justify their claims legally. 

Therefore, I request that the CFPB investigate this matter under the purview of the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection statutes. It is my intention to ensure that this matter is resolved in compliance with federal regulations to prevent any further unwarranted and stressful attempts to collect an unsubstantiated debt. 

I appreciate your prompt attention to this complaint and look forward to your support in resolving this issue effectively and lawfully. 

Thank you for your cooperation.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-17 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: PA

Complaint narrative:
I am requesting the removal of Report of hard inquiries to my credit report account. 

I have not approved nor authorized these inquiries and request removal of all HARD INQUIRIES from all three credit bureaus : XXXX, EQUIFAX AND XXXX Please report all findings within 30days as this is harming my ability to establish new credit. 

Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I am trying to buy a house, and SUNRISE CREDIT SERVICE placed a account on my credit report. According to the Fair Credit Reporting Act ( FCRA ), the collection agency in question has infringed upon my rights. Under 15 U.S.C. 1681 Section 602, it is clearly stipulated that " I have the right to Privacy. '' Furthermore, 15 U.S.C. 1681 Section 604, subsection A, section 2 explicitly states that a consumer reporting agency is prohibited from furnishing an account without my written instructions. Moreover, I have not received the required letter of validation for the debt in question, which means I have not been provided with written validation or proof that this debt belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-17 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have reached out to the original leasing office and they never sent me my last bill through mail. XXXX One year later I see it in collections for {$1200.00}. I've called the collection agency miltiple times XXXX and they are very rude and say they can't find my information. 

I've disputed multiple times on my credit report with no avail. I've sent a written letter out and managed to get it off one credit report but not XXXX XXXX. XXXX I am currently homeless because of this and I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
Aargon has been removing and placing this charge on my credit for 3 years now I contacted this agency about 3 months ago and they removed it and have placed it on my credit agian.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-17 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: WI

Complaint narrative:
I have requested Transunion to reinvestigate the accounts listed below that they are currently reporting on my credit report. But they are refusing to conduct a reasonable reinvestigation about the accuracy and validity of these accounts. And I am not liable for none of the accounts listed below so they must be removed from my Transunion credit report immediately. 
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 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