vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am filing a complaint against Barclays Bank for failing to validate the following accounts on my credit report : BRCLYGAP Account Number : XXXX BRCLYOLDNAVY Account Number : XXXX BRCLYSBANKDE Account Number : XXXX Despite submitting disputes and requesting validation over 60 days ago, Barclays Bank has not provided the legally required documentation within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ). This continued reporting of inaccurate and unverifiable information has caused harm to my creditworthiness and resulted in financial and emotional distress.

Specific Violations Failure to Validate Debt Violation : FCRA 611 ( a ) ( 1 ) ( A ) Requires disputed information to be verified within 30 days. Barclays Bank failed to provide validation or supporting documentation for these accounts.

Failure to Ensure Maximum Possible Accuracy Violation : FCRA 607 ( b ) Requires furnishers to ensure that all reported information is accurate and complete. The reporting of unverifiable accounts violates this provision.

Failure to Delete Unverified Information Violation : FCRA 611 ( a ) ( 5 ) ( A ) Mandates that unverified information must be deleted if not validated within the required timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: VA

Complaint narrative:
In accordance with the fair credit reporting act the creditor violated my rights under 15 USC 1681 section 602. States I have the right to privacy under 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666 ( b ) a creditor can not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose I was also a victim of the experience data breach in 2017. There is fraud on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year>, I received the email saying I have a negative balance from PayPal. 
On XX/XX/year>, I called PayPal to find out why. I have been told that transaction on XX/XX/XXXX did note went thru dure to NSFR error from XXXX  XXXX XXXX. 
On XX/XX/year>, I initiated a 3 way call, where were present me, my husband, PayPal representative and XXXX XXXX  XXXX representative. 
during the call XXXX  XXXX XXXX confirmed they have sent the money and provide transaction id for PayPal.

We also found that on XX/XX/XXXX there were XXXX separate transactions on the XXXX  XXXX XXXX site, but only one on Paypal. Paypal recognized one transition but was unable to tell us with one he recognizes. We requested additional information that should be provided by today.

PayPal also accepted the loss prevention claim during the 3-way call, but as soon as XXXX XXXX XXXXXXXX dropped the line, they continue to tell I own the money even they receive a confirmation they received it.

Today I contacted a chat with PayPal and they were unable to provide requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Despite having provided the correct name as verified by my legal documents, the other variations of my name are causing confusion and potentially impacting my creditworthiness. This discrepancy can affect my ability to secure loans and other financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
The AAFES MilitaryStar card its supposed to assist service members, but they are predatory lending one example and my main concern is I have had a return check fee assessed to my account but also with that return check fee they restricted me to only making payments by mail or going into a store and the closest store for me to make a payment is over 2 1/2 hours away and a check will not get there within the timeframe. Im supposed to make my payment and they told me that I have to make six consecutive online payments in order to get my ACH payment ability back, but in their terms and conditions it states nothing about having to make six payments or even getting your ACH payment revoked. Ive called several people and theyre not able to find it and they just get off the phone with me right away and tell me to look it up in the terms and conditions, and they cant provide any 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 explanation
Consumer complaint received 2024-12-09 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 am reaching out for your assistance concerning the false account on my credit report. This issue has tarnished my reputation as a customer, and I need your help in having these wrongly reported accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife XXXX and I have a mortgage with Truist bank. It has recently come to our attention that we have a significant shortage in our escrow account. It appears to us that Truist bank has not been collecting sufficient funds to pay our taxes and insurance for many years. Our taxes and insurance have not gone up significantly for several years so we are at a loss as to how we are now short. We feel that Truist has mismanaged our escrow account for many years and are now taking advantage of us due to our advanced age and inability to understand how they could have made such a significant error. 
I have never been late or missed a payment in 20+ years. I would prefer to handle my own taxes and insurance since they do not seem to be able to do so efficiently but they say do to a loan modification made back in 2008 I am not eligible for this option. 
I feel they have taken advantage of my age and mismanaged my funds I would be grateful for your help Regards 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
Consumer complaint received 2024-12-09 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: NY

Complaint narrative:
I, XXXX XXXX, identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws in the handling of my credit report. These issues include : Willful Noncompliance : Entities reported inaccurate credit information about me without verifying its accuracy, in violation of FCRA Section 616. This willful noncompliance subjects them to civil liability. 

Failure to Disclose Opt-Out Rights : My personal information was shared without giving me the opportunity to opt out, violating FCRA Section 603 ( d ) ( 2 ) ( A ). 

Furnishing Deceptive Information : Inquiries and accounts were reported inaccurately and without proper validation, breaching FCRA Section 623 ( a ) ( 3 ).

Harassment by Debt Collectors : Debt collectors reported false debts without my consent, engaged in unfair practices, and disclosed debt information to third parties, violating the Debt Collection Practices Act.

Deceptive Late Payment Reporting : Late payments were reported inaccurately, with no clear definition of what constituted a late payment, leading to misleading and false entries on my credit report. 

Errors in Finance Charges : Entities failed to accurately determine and report finance charges, resulting in further errors on my credit report. 

Unauthorized Credit Report Access : My credit report was accessed and used without my written consent, which violates FCRA Section 1681b ( a ) ( 2 ).

In addition to these violations, I have disputes regarding specific accounts and hard inquiries on my credit report. For each account, Ive requested debt validation under 15 U.S. Code 1692g, including documentation such as the original application or contract bearing my signature and proof of the debt collectors authority to collect. For hard inquiries made without my consent, Ive demanded their immediate deletion, citing FCRA Section 1681b ( a ) ( 2 ). 

These violations have caused me unnecessary distress and have tarnished my credit report with inaccurate and misleading information. I expect the responsible parties to take immediate action to address these issues by validating or removing the disputed items and correcting my credit report. If these matters are not resolved promptly, I am prepared to pursue all available legal remedies under the FCRA and related laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I filed XXXX  XXXX almost 7 years ago. My house had a loan modification done on it and was not included in the XXXX  XXXX. My mortgage hasnt been being reported to my credit bureaus the entire time. Under law, Section 1328, when my mortgage is not included in the bankruptcy, it should still be reported on my credit bureaus. Company states that if theres a BK that they dont report the mortgage, but that should only apply to when a mortgage is included in the actual bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Continental Finance ( Account sold to XXXX ) states on my credit report that this account has been charged off. I never received a 1099-C. Being that the they already filed my account as a charge off on their taxes, and I have never received a 1099-C, this company is committing fraud. I kindly request that the CFPB investigate Continental Finance and take appropriate action to address 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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit score from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts DEPT OF EDUCATIONXXXX XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX DEPARTMENT OF EDU XXXX, and XXXXXXXX XXXX XXXX  XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTIANED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I was behind on my student loan and I was on XXXX XXXX XXXX I noticed money was taken out of my account without any notice. And they said because I did not pay my student loan back they garnish my Social Security check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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