vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX paid capitol one account XXXX at capitol one cafe in XXXX XXXX closed my account and friends thanks capitol one

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: Block, Inc.
State: OH

Complaint narrative:
They closed my account saying that Ive violated terms of service, but fail to explain what terms they claim I violated. When I ask, they, do not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: LEXISNEXIS
State: NY

Complaint narrative:
This company published a bankruptcy on my consumer file and provided this information to XXXX, XXXX and XXXX without my written instructions and concent. Although bankruptcies are public record as per 15 U.S CODE 1681 ( a ) ( 2 ) ( b ) my written instructions are required for this information to be published and I have not provided any written instructions consenting to this. 

I also previously requested to know how this bankruptcy was even verified and the response was they received my full social security number from the nationwide consumer reporting agencies. I would like to know who provided authorization to share my full confidential social security number. According to Bankruptcy rule 9037 social security numbers are partially redacted, addresses are partially redacted. I still have not received all of the documentation to how this was verified. Process and procedures of verification have been requested multiple times. 

15 U.S. Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Complaint ID XXXX ( XXXX ) is and has been open since XX/XX/XXXX. They must honor all my requests in that matter. 

These are what the abbreviations stand for : TU = TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The following has been and still does report inaccurately. This is in clear and direct violation of my rights. 

XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DID NOT REPORT Original Creditor Reports CHARGE OFF DATE of XX/XX/XXXX ( TU and XXXX XXXX XXXX to update " charge off '' to " collection '' in order to allow them to continue violating my rights as a consumer, since it benefits them to have consumers with lower credit scores in order to profit from services from predatory lenders ; XXXX failed to locate my credit file even though information on my profile is inaccurately reporting ) Balance : TU : {$640.00} ; XXXX XXXX {$640.00} ; XXXX  : DID NOT REPORT Original Creditor Reports {$640.00} Estimated month and year that this item will be removed : TU : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : DID NOT REPORT Original Creditor Reports it was CHARGED OFF. According to XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the definition of " charge-off '' is : " A charge-off simply means a creditor has given up on collecting an unpaid balance and it's written off the debt as a loss. '' So many inaccuracies in just this one entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: MS

Complaint narrative:
After reviewing my Consumer Reports, I saw some instances of late payments on an account. I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with accuracy. I have never missed a payment on the following account XXXX XXXX XXXX XXXXXXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, showing the lateness of these payments. If unable to show proof, I demand that these payments be updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without any delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: IN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX SECURE 3 POTENTIALLY NEGATIVE MONTHS Credit usage 65 % Balance {$130.00} Balance updated XX/XX/XXXX Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit cardXXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE MONTHS Credit usage 3 % Balance {$16.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX  Account type Charge Card XXXX XXXX XXXX  XXXX POTENTIALLY NEGATIVE MONTHS Balance details 33 % paid off Balance {$350.00} Balance updated XX/XX/XXXX Original balance {$530.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year>, I transferred XXXX XXXX ( XXXX ) to my PayPal account. I made this transfer under the assumption that it was supported, based on PayPal 's advertised integration with the XXXX XXXX for facilitating transfers of PayPal USD ( XXXX  ). However, after waiting several hours without the funds appearing in my account, I contacted PayPal customer support. 

I was informed that PayPal only supports XXXX transfers via the XXXX XXXX and does not accept native XXXX ( XXXX ). This restriction was never communicated clearly during the transfer process, leading to my funds being inaccessible. 

This situation raises several concerns : Misleading Advertising and Lack of Transparency : PayPal advertises its use of the XXXX XXXX but does not make it clear that only XXXX is supported. The absence of this critical information has resulted in the effective loss of my funds. 

Inconsistent Treatment of Blockchains : PayPal fully supports Ethereum, allowing users to send both XXXX XXXX XXXX XXXX XXXX XXXXXXXX  to their platform. The same level of support is not extended to XXXX, despite its technological superiority and efficiency. This inconsistency is not explained and seems arbitrary. 

Partial Integration Without Justification : PayPal has already integrated the XXXX XXXX for XXXX transfers, demonstrating that the infrastructure for XXXX transactions exists. Expanding support to include XXXX  would require minimal additional effort, making their refusal to support it unreasonable. 

After extensive conversations with PayPals customer support team, they acknowledged the issue but have not resolved it. My funds remain inaccessible, and I have received no timeline or viable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I AM A VICTIM OF HUMAN XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX, XXXX, XXXX fraud charges on the credit card totalling {$380.00}. I inform XXXX I did not make these charges. I informed XXXX that I have NEVER had a {$380.00} bill with them since have the XXXX credit card. The most I have ever had charged on the account was {$51.00} which, I paid off before receiving a bill from them. I always paid the card off immediately for charges. This was my practice of paying the account off when I purchased the gasoline. This is my payment pattern through the years. 

Now someone got access to my credit card number and ran up the bill. I close the account because they still had access and were charging on the account. 

XXXX had been truly difficult to work with. I am XXXX old. I am being scammed. I asked XXXX for photos of me using the card. I have no new credit cards from XXXX. Nothing was sent to me in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Under 15 USC 6801, Congress mandates that financial institutions have an ongoing responsibility to respect the privacy of their customers and protect their personal information. These institutions, which furnish data to credit agencies like Equifax, XXXX, and XXXX, are required to handle this information with care. However, I was never informed of my right to opt out of information sharing as required by 15 USC 6802 ( b ) ( c ). This explicitly states that a financial institution can not disclose nonpublic personal information without giving consumers a clear explanation of how they can exercise their nondisclosure rights.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency may only share a consumers information if they have written consent. Equifax, XXXX, XXXX, and the furnishers of information have no such consent from me, and I am formally revoking any consent, whether written, verbal, or implied. 

Under 12 CFR 1016.7, I also have the right to opt out of information sharing at any time. Therefore, I am exercising this right to opt out of all reporting services with Equifax, XXXX, XXXX, and any associated furnishers of information. 
The Fair Credit Reporting Act ( FCRA ), under 15 USC 1681 Section 602 ( a ), emphasizes that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. Equifax, XXXX, and XXXX, as consumer reporting agencies, are not meeting this standard. 

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information on credit reports if it is older than seven years, except for criminal convictions. The adverse information they are reporting about me violates this rule, as it is both unauthorized and outdated. 

Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) specifies that no entity should furnish information to a consumer reporting agency if they know, or should reasonably know, that the information is inaccurate. Under 15 USC 1681e, every consumer reporting agency must maintain reasonable procedures to ensure compliance with these requirements and prevent violations, which Equifax, XXXX, and XXXX have failed to do. 

These violations of federal laws infringe upon my rights as a consumer. I demand immediate corrective action and compliance with the laws cited. I am formally revoking all permissions to share, report, or disclose my information and opting out of all reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: TX

Complaint narrative:
REMOVE ALL THESES UNAUTHORIZED INQUIRIES ON MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: TX

Complaint narrative:
REMOVE ALL THESES UNAUTHORIZED INQUIRIES ON MY REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: SC

Complaint narrative:
I AM A VICTIM OF XXXX XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: EQUIFAX, INC.
State: NJ

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 u.s.c. 1681. 
Account Name ... .... XXXX XXXX XXXX .... Account # XXXX .... Account Name ... XXXX XXXX.. Account Name .... 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 reports 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. 1681 S-2 ( A ) ( 1 ) A person shall not Furnish any information relating to a 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 2024-11-17 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: NJ

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 u.s.c. 1681. 
Account Name ... .... XXXX XXXX XXXX .... Account # XXXX .... Account Name ... XXXX XXXX. Account Name .... 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 reports 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. 1681 S-2 ( A ) ( 1 ) A person shall not Furnish any information relating to a 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 explanation