vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: OH

Complaint narrative:
The following inquiries were unauthorized : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
There is no legitimate reason to say that my website sells infringing products! 

Reference ID : XXXX My PayPal account was suddenly and permanently restricted without any valid reason and the funds in my account have been frozen for 180 days. 
I tried asking the PayPal customer service team for help but they said they couldn't help me recover my account. I have been using this account for some time and have always worked in good faith and adhered to all policies and user agreements stated and agreed to when I signed up for the account. 

I have taken every step to minimize the risk associated with my account, but PayPal has still permanently restricted my account and says there are potential risks associated with it. 
I would request any information as to why PayPal feels they must restrict this account. There is no reason to permanently close my account as I believe I did nothing wrong to cause the account to be closed. Therefore, I am asking PayPal to re-investigate the issue and help resolve it. I'm willing to provide any information needed to investigate and help recover the account. I am willing to work with PayPal to minimize perceived risk. I'm asking you to help me recover my account. 

Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: UT

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 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 agency can not furnish a 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 of 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
Consumer complaint received 2024-05-02 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: FL

Complaint narrative:
I just recently looked at my TransUnion credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence 1. [ XXXXXXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. [ XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. [ XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. [ XXXXXXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. [ XXXXXXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. [ XXXXXXXX XXXX  XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 7. [ XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Recently I applied for a new Capital One XXXX XXXX account, I was initially approved, then after a few days my new account was restricted and my existing Capital One XXXX account as well, the bank requested verification docs which I immediately submitted, after XXXX weeks I receive a letter that my new account was closed, in the meantime my existing account was still restricted and the rewards of that account in the amount of {$290.00} was frozen, meaning while the account was technically open Capital One wouldn't even allow me to redeem them, after following up on this account I was informed that my account was closed, I asked customer service as well as a supervisor to send me a check for the rewards that weren't redeemed and they said it can not be redeemed because of the status of my account, I am asking capital one to send me a check for the rewards amount of {$290.00}, I attached the last statement to show the remaining rewards balance at the time of their closing of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: WA

Complaint narrative:
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.

has violated my rights. Or a list of inquiries : 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 agency can not furnish a 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
Consumer complaint received 2024-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. I XXXX  in XXXX. During my time there I dealt with probably XXXX different loan officers, it would change if quarter. I qualified for numerous grants but they kept making me take on federal loans to help pay. They told me it would be XXXX for XXXX, I qualified for over XXXX in grants but when I XXXX  had over XXXX in student loans. My last year they told me I cant qualify for anymore federal loans so they made me pay out of pocket {$8000.00} or they wouldnt let me finish school and XXXX. My private loan says it was discharged in XXXX of XXXX but I dont knowing they would make me get a private loan when I qualified for federal loans when I started school. It doesnt make any sense. I have paid over XXXX on that private loan and have been charged {$11000.00} in interest and still have over XXXX to pay. My federal loans have just been forgiven under Biden because XXXX XXXX have been charge with illegal actions but I still have the private loan with Navient that I have to pay on. I think this private loan should be forgiven and I should be paid back the money since I was forced into getting this loan from XXXX  and the rug have already been charged with illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I requested the law firm identify if they are a credit agency or a law firm. The law firm has threated to sue me in court and garnish my wages which is a direct violation of the Fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: TN

Complaint narrative:
In Section # 2 There was no choice for the problem I have Sorry did the best I could selected. I even called you folks, your representative could not even recommend a correct option. OTHER would be good to have. 

To Whom it may concern, My complaint is regards to Equifax Credit Reporting agency. My issue started when I went to my local branch of the XXXX  XXXX XXXX. To see where I stand in applying for a home loan. This occurred on XX/XX/XXXX. Days later I received a document from the bank Notice to Loan Application and according to that document as of XX/XX/XXXX, my Equifax score was XXXX. I immediately called Equifax and told XXXX XXXX I can ensure you your score is higher than that. And that the issue was the XXXX XXXX XXXX  problem. They sent me a document ; it showed my score to be XXXX as of XXXX XX/XX/XXXX. No way did my score change to XXXX  points in the span of nine days. 
Move on to XX/XX/XXXX. Went to a local XXXX XXXX XXXX. And while there applied for a XXXX XXXX XXXX XXXX XXXX Received a document from XXXX XXXX XXXX XXXX XXXX showing my credit score again from Equifax this time my score was XXXX. I immediately called Equifax again. Again, told that is a XXXX XXXX issue. I again asked for my credit score again this time informed it was XXXX as of XXXX XX/XX/XXXX!!!!! NO WAY IS THAT POSSIBLE! 
In both case this issue reflected poorly on me and prevent me from obtaining a higher lXXXX XXXX XXXX and XXXX for purchase of a house. I believe this is a Equifax issue and not the XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. 
I want the following done, A written letter of apology. Proof, such as ticket number, this issue will be resolved and never happen again, and if it does a direct contact phone number so as I do not have to go through a computer-generated phone system. 
ATTACHED DOCUMENTS : 1. Document # XXXX XXXX  XXXX XXXX  XXXX. Dated XXXX XX/XX/XXXX XXXX. Document # 2 ( XXXX & XXXX ) Notice to Applicant from XXXX XXXX XXXX XXXX Front/Back ) Dated XX/XX/XXXX Showing a score XXXX from EQUIFAX. 
3. Document # 3 XXXX dated XX/XX/XXXX from Equifax showing a score of XXXX as XX/XX/XXXX. 
4. Document # 4 Credit Score XXXX Notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX showing a score of XXXX from Equifax. 
5. Document # 5 XXXX  from Equifax as of XX/XX/XXXX, my credit score is XXXX! 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PH # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: IN

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 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 2024-05-02 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Usc article 9 part 6 In accordance with the Fair credit reporting act has violated my rights 15 usc 1681 section 602 A states I have the right to privacy.

15 usc 1681 section 604 a section 2 states a consumer reporting agency can not furnish a account without my written instruction.

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 2024-05-02 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: FL

Complaint narrative:
his company is reporting 90 days late payment but it states that I was late one time. This account is inaccurate and not verified. The information that's reporting an error is damaging my future and play a part in me getting denied for credit. 

XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$5200.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$20000.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$11000.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$20000.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX In accordance with The Fair Credit reporting Act this creditor and all three agencies has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account or loan under an open end consumer credit plan as late for any purpose. Late payments should not be reported. 15 USC 1681a ( 2 ) ( i ) - late payment is a transaction and/or an experience, and it MUST BE EXCLUDED. ( I ) Accommodation The term accommodation : The Term " accommodation '' includes an agreement to defer or more payments, modify a loan or contract, or any assistance or relief granted to a consumer who is or was affected by the coronavirus XXXX XXXX ( XXXX ) during the covered period. It is illegal to report a late payment especially when I was never late, I had a card on file for auto pay. I never made a late payment.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to bring to your attention an important issue that I have discovered on my credit report. Upon reviewing my credit report dated XX/XX/2024 I have identified the following information which I believe is incorrect : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX  This inaccurate information could have significant negative implications on my credit score and financial standing. As such, I consider this matter to be of the utmost urgency. 
I kindly request the prompt deletion of this inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information in my credit report that I consider to be inaccurate or incomplete, and have the right to request its immediate removal. 

To facilitate the resolution of this issue, I have provided my contact details below. I am hopeful for a swift response, and would appreciate it if you could notify me once the correction has been made. If further discussion is needed, I am available at your earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Please note that if Credit Bureau fails to promptly correct the information as requested, I may consider taking further steps to ensure the accuracy of my credit report. I trust, however, that this matter will be resolved speedily and satisfactorily, without the need for such actions. 

Thank you for your attention to this matter and for your cooperation. 
Best regards, 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 explanation
Consumer complaint received 2024-05-02 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: MA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: FL

Complaint narrative:
I am writing to file a formal complaint against Experian regarding unauthorized and unverified hard inquiries on my credit report. Despite repeated attempts to resolve this issue directly with Experian, they have failed to address my concerns and have neglected their legal obligation under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I discovered XXXX unauthorized and unverified hard inquiries listed on my Experian credit report : XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX, XXXX *XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX *XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX *XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX *XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX *XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX *XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX *XXXX  XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX These inquiries have negatively impacted my credit score and pose a significant risk to my financial standing. I promptly contacted Experian to dispute these inquiries and request their removal from my credit report. 

However, Experian 's response to my inquiries has been inadequate and dismissive. Despite providing evidence of the unauthorized nature of these inquiries, Experian has failed to take appropriate action to remove them from my credit report. Furthermore, their customer service representatives have been unhelpful and have repeatedly hung up on me during our conversations. 

As per the FCRA, Experian is legally obligated to investigate and remove any unauthorized or unverified accounts from my consumer report. Their failure to do so not only violates federal law but also jeopardizes my financial well-being and undermines consumer trust in the credit reporting system. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Experian for their non-compliance with the FCRA. I request that Experian be held accountable for their actions and that the unauthorized inquiries be promptly removed from my credit report and that for every removal I am awarded {$1000.00} as per 15 U.S. Code 1681n ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I appreciate your prompt attention to this matter and look forward to a swift resolution.

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