vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have had several companies ran my credit and have left hard inquiries on my credit report none of which I authorities XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have an account with PayPal and I noticed that few transfers transactions from other country XXXX that I do not know anyone, were withdrew from my bank account, I tried to dispute these transfers transactions but I was only able to disputed 3 transactions. I did not authorized money transfers to this person, I do not know if this person logged in into my PayPal account and made those transfers, I do not know this person from overseas, I will attach the list of numerous of transfers donned by fraud. PayPal refused to help me and correct this matter, I was a victim of a scammed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-29 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: MD

Complaint narrative:
I am writing in response to their recent decision made on XX/XX/year> to deny my request for the removal of the " charge-off '' status and other negative remarks from my account which I requested on XX/XX/year>. I strongly disagree with their decision and am formally demanding a redetermination based on several legal grounds. 

Firstly, under 15 U.S. Code 1692g - Validation of debts, only the original creditor has the authority to validate debts. As the original creditor, I assert that I do not validate these debts or accounts. Their attempt to present themselves as the original creditor is misleading. My signature and Social Security Number on the application signify that I am the one who granted value, thus making me the original creditor. Therefore, any claim of debt by their company is invalid and must be removed from my account records. 

Additionally, I wish to highlight that their company is in violation of 15 U.S. Code 1601, which outlines the necessity for transparency and fairness in credit transactions. Their failure to comply with these regulations is unacceptable. Moreover, under 15 U.S. Code 1681n, which pertains to civil liability for willful noncompliance, their company 's actions have caused significant harm to my credit standing.

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 2024-06-29 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: MD

Complaint narrative:
I am writing in response to their recent decision made on XX/XX/2024 to deny my request for the removal of the " charge-off '' status and other negative remarks from my account which I requested on XX/XX/2024. I strongly disagree with their decision and am formally demanding a redetermination based on several legal grounds. 

Firstly, under 15 U.S. Code 1692g - Validation of debts, only the original creditor has the authority to validate debts. As the original creditor, I assert that I do not validate these debts or accounts. Their attempt to present themselves as the original creditor is misleading. My signature and Social Security Number on the application signify that I am the one who granted value, thus making me the original creditor. Therefore, any claim of debt by their company is invalid and must be removed from my account records. 

Additionally, I wish to highlight that their company is in violation of 15 U.S. Code 1601, which outlines the necessity for transparency and fairness in credit transactions. Their failure to comply with these regulations is unacceptable. Moreover, under 15 U.S. Code 1681n, which pertains to civil liability for willful noncompliance, their company 's actions have caused significant harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: MD

Complaint narrative:
I am writing in response to their recent decision made on XX/XX/year> to deny my request for the removal of the " charge-off '' status and other negative remarks from my account which I requested on XX/XX/year>. I strongly disagree with their decision and am formally demanding a redetermination based on several legal grounds. 

Firstly, under 15 U.S. Code 1692g - Validation of debts, only the original creditor has the authority to validate debts. As the original creditor, I assert that I do not validate these debts or accounts. Their attempt to present themselves as the original creditor is misleading. My signature and Social Security Number on the application signify that I am the one who granted value, thus making me the original creditor. Therefore, any claim of debt by their company is invalid and must be removed from my account records. 

Additionally, I wish to highlight that their company is in violation of 15 U.S. Code 1601, which outlines the necessity for transparency and fairness in credit transactions. Their failure to comply with these regulations is unacceptable. Moreover, under 15 U.S. Code 1681n, which pertains to civil liability for willful noncompliance, their company 's actions have caused significant harm to my credit standing.

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 2024-06-29 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:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under, 15 U.S Code 1681b-Permissible purposes of consumer report as ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS Of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.NO CONSENT IS IDENITY THEFT. As a consumer I am demanding the deletion of the account ( s ) listed IMMEDIATELY! 

Account Name XXXX XXXX  Account Number # XXXX Account Name XXXX XXXXXXXX Account Number # XXXX Account Name XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: IN

Complaint narrative:
I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a letter from Bank of America XXXX XXXX XXXX  that I had previously owned.Stating in the letter that I am owed {$180.00} in payment that is owed to me.I have been calling since XX/XX/XXXX XXXX I was told that it could take ten to 15 days to receive my check.Called again to why I still haven't received my check called on XX/XX/XXXX XXXX was told once again 10 to 15 days before I receive my check.I was told by the agent if I don't receive my check after the 15 days to call back.I have been calling Bank for America for 3 months. If I owed them any money Bank of America would taken the money out of my account from day one.

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 monetary relief
Consumer complaint received 2024-06-29 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: T.S. Holdings
State: GA

Complaint narrative:
I am deeply shocked and dismayed to discover a fraudulent apartment collection on my credit report. This discovery is not only unexpected but also deeply concerning, as it suggests potential identity theft or erroneous reporting. XXXX action is necessary to rectify this situation and restore the accuracy of my credit history. I have contacted the agency and they can not furnish proof of residency or original documentation with my furnished signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: IL

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under, 15 U.S Code 1681b-Permissible purposes of consumer report as ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS Of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.NO CONSENT IS IDENITY THEFT. As a consumer I am demanding the deletion of the account ( XXXX ) listed IMMEDIATELY! 

Account name : XXXX XXXXXXXX, Account # XXXX, Account Name XXXX XXXX XXXXXXXX, Account # XXXX, Account Name XXXX XXXX XXXX, Account # XXXX and Account Name : XXXX / XXXX, Account # 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 2024-06-29 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: TomoCredit Inc.
State: OK

Complaint narrative:
There is a company called Tomo Credit that helps build credit. They do not keep proper track of payments and charge my accounts several times in a month until I blocked them from charging my account. My balance is suppose to be a lot less and no one is keeping track of payments. I've tried calling, several different emails, messaging their social medias, going through their website to settle this debt I have with them. I was beginning it was a scam or fraudulent company, but now I think it's just run on Ai and no one is actually managing it. The account now shows on my collections, and I can't even contact anyone with the number provided on my credit report. All their means of contacting are automated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: MD

Complaint narrative:
I am writing to formally dispute the validity of the debt purportedly acquired from XXXX XXXX XXXX XXXX by CKS Prime Investments LLC. Upon reviewing the details of this debt, I have identified several violations of federal consumer protection laws by the original creditor, XXXX XXXX XXXX XXXX, including but not limited to : 15 USC 1692g : Failure to provide proper debt validation. 
15 USC 1601 : Failure to comply with the Truth in Lending Act.

15 USC 1681n : Willful noncompliance with the Fair Credit Reporting Act. 

Contrary to the assertions made by XXXX XXXX XXXX XXXX, I am the original creditor, as my signature and Social Security Number granted value to the application. According to consumer protection laws, only the original creditor can validate a debt. As I do not validate this debt, it can not be considered valid. They have sold CKS a debt that doesn't exist. As such, the acquisition of this debt by their company is invalid.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am wanting to know why my credit score dropped for a purchase that I made in the range of {$2900.00} on XX/XX/year>. My credit line is {$15000.00}. I paid the complete charge on XX/XX/year>. 

My credit score came down by 6 points.

I dont see why my credit score should have dropped at all. 

Its like I am being penalized for using my own credit / credit line. I was well below the 30 % usage that professional credit experts suggest to use. 

Please help me understand. 

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 2024-06-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2024-06-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. The information, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of 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 2024-06-29 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:
I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I DEMAND the below accounts be deleted from my consumer report. I AM NOT ASKING FOR THEM TO BE VERIFIED. 
Account : XXXX Account Number : XXXX Account : XXXX Account Number XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. Best regards

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 2024-06-29 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: TX

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: OH

Complaint narrative:
Kindly delete these inquiries. I am unaware of this matter, and the company acted without my permission.

Company response to consumer: Closed with explanation