vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Title 15 U.S. Code 6801 states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. American Express is a financial institution by definition in this Title, I am its customer, and its failure to abide by privacy laws has both harmed and inconvenienced me as evidenced in Attachments 1 through 7.

Title 15 U.S. Code 6802 states, ... a financial institution may notdisclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided the consumer a notice that complies with section 6803 of this title. American Express never provided a REASONABLE means to opt out that was CLEAR, CONSPICUOUS, COMPREHENSIBLE, SUCCINCT, and OTHERWISE REQUIRED by 15 U.S. Code 6802, 6803, and 12 CFR 1016.7.

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I now enforce this right, as I was not able to before. American Express shall not report, share, or sell my accounts ' information, past, present, or future, to any non-affiliated third party or credit reporting agency.

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

Complaint narrative:
The addresses on my credit report do not belong to me. I currently have one address only, which is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. Any other address should be removed from my credit report. As per XXXX and Experian, they're currently reporting old/incorrect address on my credit report which are : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XX/XX/year>

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 2024-12-12 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: AL

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 168b permissible purposes of consumer reports. 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. 

NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX, XXXX ADDRESS : XXXX, XXXX XXXX XXXX AL XXXX XXXX XXXX, XXXX, XXXX XXXX  ACCOUT NAME XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX ACOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: MS

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 2024-12-12 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: MS

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received 4 emails early this morning through XXXX that {$450.00} was charged to my Paypal account for XXXX. 
The transaction ID : XXXX and the contact email is XXXX on the first 2 emails phishing emails and from XXXX XXXX XXXX XXXX XXXX for the 3rd and 4th email. 

My actual PayPal account history does not show this charge of {$450.00} on my account. 

This phishing email is very similar to a phishing episode I reported on XXXX on XXXX XXXX ID : XXXX Once again, unfortunately, I clicked on the first email to see what the charge was. I did this due to having an unauthorized charge on XXXX put on a now inactive credit card. I reacted too quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  born XX/XX/XXXX, in XXXX XXXX California information was stolen while incarcerated. From XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, ( TRANSUNION ) credit reporting agency, remove these accounts is the result of identity theft and fraud, remove all listed inquires and accounts within 4 business days of you receiving this complaint. XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  SS Account XXXX # XXXX Date opened XX/XX/XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX remove this address.These inquires and accounts have resulted in several fraudulent activity appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, inquiress, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( FTC Report Number :, XXXX XXXX XXXX Police Report XXXX ) US MARSHALS and proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-12-12 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 reviewed my consumer report and previously informed your agency on XX/XX/2024 about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

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 2024-12-12 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: TX

Complaint narrative:
On XX/XX/XXXX I made all on time payments with XXXX XXXX NEVER MADE ANY LATE PAYMENTS XXXX XXXX AGREED TO REPORT TO BELOW credit bureaus a good will later as a mistake on their behalf of reporting a late payment to said credit bureaus XXXX REPORTING LATE PAYMENTS ( XXXX XXXX ) XXXX Equifax also has a address I do not live at XXXX XXXX XXXX XXXX XXXX Tx XXXX need to be removed Furthermore these credit bureaus have completely failed to protect my consumer rights and have been reporting inaccurate payment status that is reflecting on my personal credit report Which had dropped my score over XXXX points XXXX XXXX Equifax have fraudulent inquiries that are reporting on my personal credit report XXXX  FRAUDULENT INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax have fraudulent accounts & inquiries that I previously disputed in which they fail to remove being im a victim of identity theft XXXX XXXX  {$1900.00} XXXX XXXX XXXX  {$45000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

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

Complaint narrative:
On XX/XX/XXXX I made all on time payments with XXXX XXXX NEVER MADE ANY LATE PAYMENTS XXXX XXXX AGREED TO REPORT TO BELOW credit bureaus a good will later as a mistake on their behalf of reporting a late payment to said credit bureaus Experian REPORTING LATE PAYMENTS ( XXXX XXXX ) XXXX XXXX also has a address I do not live at XXXX XXXX XXXX XXXX XXXX Tx XXXX need to be removed Furthermore these credit bureaus have completely failed to protect my consumer rights and have been reporting inaccurate payment status that is reflecting on my personal credit report Which had dropped my score over XXXX points XXXX XXXX XXXX have fraudulent inquiries that are reporting on my personal credit report XXXX  FRAUDULENT INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX have fraudulent accounts & inquiries that I previously disputed in which they fail to remove being im a victim of identity theft XXXX XXXX  {$1900.00} XXXX XXXX XXXX  {$45000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-12 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: MD

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-12-12 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: MD

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I requested information on XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the original signature of XXXX XXXX the alleged debtors wherein there is an agreement to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtors. 
Alleged account number. 
Address on file for alleged debtors. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
A copy of the original contract between the alleged debtors and the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owed. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 
This company did not send any of the information I provided for request instead sent a generic agreement and summary that states that they are the owners of the account and did not provide any paper trail stating they were assigned or owned this debt. On XX/XX/year>, I sent another letter requesting this information again and this company sent the same generic information and did not adhere to my request. On XX/XX/XXXX, I sent another letter requesting this information again and this company sent the same generic letter. This give me the indication that they can not provide any of this information and are not adhering to the laws of the FDCPA, FTC, CFPB, and the XXXX. By not providing this information they have broken all laws according to my state and government and this company needs to be reprimanded for breaking these rules and laws and needs to either dissolve their business or adhere to correct business actions that all businesses or collections should abide by.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
I attempted to purchase a home through XXXX XXXX and applied online through their portal, I was pre approved and gave them the XXXX money of XXXX XXXX dollars ( {$5000.00} ). 

The loan officer denied my loan because he said he could not prove it although I have the downloaded income verification directly off the IRS website. This denial led to the XXXX XXXX dispute over the XXXX money. 

The loan denial came from loandepot.com but the officer was from meritage homes. The exemption account was ran 3 times for the approx. XXXX loan. 

The exemption report was ran 3 times creating 3 separate LEI numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Complaint Regarding " Unscorable '' Credit Report Issue with Experian and XXXX Date : XX/XX/year> To Whom It May Concern, I am filing a formal complaint against both Experian and XXXX regarding an issue with my credit reports. My credit reports from these agencies indicate " UNSCORABLE, '' accompanied by the FICO logo. This information is inaccurate and has caused significant challenges for me.

I currently have multiple credit accounts that have been actively reporting for nearly six months. These accounts should provide sufficient data for generating a valid credit score. Despite this, my reports remain marked as " UNSCORABLE. '' Additionally, I have attempted to reach the customer service departments of both Experian and XXXX by phone to resolve this issue, but I have been unable to get through to a representative or receive any assistance. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and direct Experian and XXXX to review and correct the issue promptly. Accurate credit reporting is essential to my financial stability and ability to manage my credit responsibly. 

Thank you for your assistance. I have attached supporting documentation for your review.

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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-12 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: CA

Complaint narrative:
I am a victim of XXXX and the information listed below on my credit report is a result of that 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 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 non-monetary relief