vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: MD

Complaint narrative:
I have noticed two hard inquiries on my Equifax credit report that I did not authorize. Both inquires came from XXXX XXXX XXXX  XXXX They both appear on my report under the name XXXX XXXX hard inquiry occurred on XX/XX/year> and the other occurred XX/XX/year>. I did not authorize either inquiry, nor did I apply for a credit card with XXXX XXXX. Around XX/XX/year> I contacted XXXX XXXX regarding the XX/XX/year> credit check. They agreed to flag the inquiry for fraud and sent a notice to Equifax. However, the inquiry still appears on my report at this time. I then later noticed the second hard inquiry on XX/XX/year> and once again contacted XXXX XXXX. However, this time they indicated having no record of any pending credit applications or requests for a credit check. I contacted Equifax on XX/XX/year> to further dispute the inquires on my report, but they instructed me to file a report with FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I am writing to file a formal complaint against AFFIRM, XXXX XXXX, XXXX XXXX XXXX XXXX regarding continuous harassment and unauthorized inquiries on my credit report. The actions of AFFIRM, XXXX XXXX, XXXX XXXX XXXX XXXX have been in violation of the Fair Debt Collection Practices Act ( FDCPA ) of 1977, which mandates that debt collectors provide validation information to consumers about their debts. 

I have been subjected to relentless harassment on a daily basis by AFFIRM, XXXX XXXX, XXXX XXXX XXXX XXXX, which has caused undue stress and anxiety. Furthermore, I have identified multiple unauthorized inquiries on my credit report, as detailed below : 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. AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM INC XXXX XXXX XXXX XXXX XXXX  I request that these unauthorized inquiries be promptly removed from my credit report in accordance with the FDCPA regulations. I also urge the Consumer Financial Protection Bureau to investigate the actions of AFFIRM, XXXX XXXX, XXXX XXXX XXXX XXXX, and take appropriate measures to address their harassing behavior. 

I appreciate your attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX if you require any further information. 

Thank you for your assistance in this regard. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

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 2024-05-23 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: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-05-23 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: LA

Complaint narrative:
Dispute requested multiple times. My account is missing payments from my report therefore marking account late. Was not 30 days late for XX/XX/XXXX, missing payment on credit report. 
-not 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
-Payments reported on wrong months. 
- was 30 days behind for XX/XX/XXXX and XX/XX/XXXX. 
- have proof that they only sent me late notices for XXXX and XX/XX/XXXX. 
-Company changed names late XXXX. 
-Paid twice some months. 
-Was late XX/XX/XXXX, paid in XX/XX/XXXX and made XXXX payments online in XX/XX/XXXX. 
-Monday, XX/XX/XXXX. Requested letter stating months I was late, she stated she would get back with me but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: MA

Complaint narrative:
RECENTLY I LOOKED A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY.

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE. 
NAME OF ACCOUNT : XXXX XXXX  NUMBER OF ACCOUNT : XXXX THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-05-23 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX. Account XXXX - XXXX. I just got a copy of my credit report. To my surprice, You are reporting this account incorrectly. This XXXX account is reporting not only reporting as XXXX, but also shows a past due balance of XXXX dollars. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion

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 2024-05-23 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:
I contacted Equifax regarding their listing of an incorrect Date of Last Payment on an account listed on my credit report ( XXXX XXXX XXXX # XXXX ). I have checked with the original creditor and both XXXX and XXXX to determine the correct date which differs from the Equifax date. The extension of this drop off date is a violation of the FCRA and is used by companies to artificially extend the life of credit accounts that are beyond the State of Limitations and collectability. Equifax is currently reporting inaccurate and incorrect information regarding this account which has severely damaged my credit and prevented me from obtaining an auto loan and credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: IL

Complaint narrative:
XXXX XXXX is reporting a 30 day late payment on XX/XX/year> which is a closed account on my credit profile.The account was never late this is not correct. I try to contact XXXX XXXX about this issue but got no responds.

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 2024-05-23 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:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-05-23 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: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-05-23 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-05-23 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 Department of EducationXXXX 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 US Dept of Education XXXX XXXX and the below listed hard inquiries XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights . 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I transferred {$350.00} to my paypal account, the money never showed up in my PayPal balance it said unclaimed. Well I selected the option to get it refunded back to cash app since it never showed in my balance.. on their end it says complete but i still havent received my cash. I have talk to 4 supervisors and 3 representatives and they all have been rude and basically telling me its nothing they could do. Although the money left their institution and i havent see. If since!! Im stressed out and have been through so much with this {$350.00}. Its been 25 business days, and 35 days in total with no refund. Their policy states after 30 days they will credit it back to my balance. I brought that up to them and she is still saying its nothing they could do contact XXXX  XXXX. Can you help me please? I just want my {$350.00} this is so unfair!! Ive been with paypal for over 4years i get my work check deposited every two weeks i have no reason to steal or lie i just need what is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: DE

Complaint narrative:
On my Experian Credit Report XXXX XXXX XXXX XXXXXXXX Account number XXXX shows as Closed/charged off with a past due amount of {$19000.00}. 
I paid that off on XX/XX/XXXX and received an Account Paid in Full Letter and the Lien XXXX XXXX on XX/XX/XXXX. I have disputed and submitted the appropriate documents to Experian on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they refuse to show this account as paid in full.

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 2024-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Biehl & Biehl, Inc
State: WA

Complaint narrative:
I'm the controller at XXXX XXXX XXXX. My employee was contacted on XX/XX/24 regarding a debt. He was given an invoice number and original amount etc. I called XXXX at Biehl & Biehl- and told him, we are happy to pay it but need a copy of the invoice to ensure we were the correct company billed ( as there are mistakes made ) and proof of what was shipped, to whom and when. These are all standard things noted on the invoice. We do current business with UPS every day here and have kept our account current so finding this out made no sense. He stated on XX/XX/24 that he would get a copy of the invoice. I told him once I validated the charges I'd send him a check or let him know who the bill actually belongs to. 

I heard nothing until today. XXXX called me back and lied - by saying he only spoke to my XXXX  person and never heard back from anyone - which indicates an unwillingness to pay. I corrected him because I spoke to him. He quickly remembered and when I told him - that he promised to get me a copy of the invoice and since he has not produced that, he hasn't completed his part of the agreement. He got upset and started yelling at me. At which point I said to him - what would you do if you were contacted by someone out of the blue saying you owed them money but they couldn't tell you what it was for. 

He proceeded to tell me it wasn't his fault and that sometimes the companies make it hard for them to get the information. I told him - that's his problem not mine. If I'm doing business with UPS DAILY - then HOW could they say they were unable to collect from us? 

He then said he'd request it again - and then " we'll call and have this conversation again in 2 months ''. And then promptly hung up. 

How on earth can anyone expect to be paid for something when they can't show why they should be paid and for what?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: Next Financial Inc. dba Copper
State: OH

Complaint narrative:
Copper abruptly closed all accounts and drained the money. There is now no way to access what was in my checking and savings accounts. 
Coppers Release statement stated all money would be returned in the mail. 
Money has not been returned.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation