vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: TX

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction regarding the handling of my disputes concerning inaccurate information on my credit report. Despite sending disputes to XXXX, XXXX, and Experian, outlining specific violations of the Fair Credit Reporting Act ( FCRA ), I have not received any response from your agencies after over 30 days. Enclosed are copies of all letters previously sent for your reference. 

It is evident that your company has flagrantly disregarded the mandates of the FCRA. Specifically, you have violated FCRA 623 ( a ) b ) by neglecting to designate the disputed account as such, thereby perpetuating the erroneous reporting.

Furthermore, the provisions of FCRA 605 ( c ) have also been grossly violated. The reporting period continues to run despite the account 's last activity date being inaccurately reported. This deceptive representation fails to reflect the actual date of payment cessation, thus unfairly impacting my credit standing.

In addition to FCRA violations, your persistent failure to validate the collection account constitutes a clear breach of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

I demand immediate action to rectify these violations and ensure the accurate reporting of my credit information. Failure to do so will leave me no choice but to pursue legal action to enforce my rights under federal law.

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 2024-03-01 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: OH

Complaint narrative:
I have filed a complaint and have never gotten a truthful or legitimate promissory note between XXXX XXXX the original creditor per his signature as the authorized agent of the credit and being the original creditor XXXX XXXX. XXXX XXXX  XXXX continues to disregard my consumer rights marking complaints as duplicates while they have never given any of the documentation requested, XXXX XXXX  in a has only presented non truth lies fraudulent documents no contracts between XXXX XXXX  and a no waivers of my consumer rights before XXXX  breached the contract and received my information without the proper documentation in place as in they are a third party non-affiliated entity. XXXX XXXX  is committing credit fraud credit reporting fraud and has no legitimate contract between XXXX XXXX the original creditor per his signature as the agent of the credit line through the Treasury.

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 2024-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: TFC Credit Corporation of California
State: TX

Complaint narrative:
My original loan was due in XXXX of XXXX, but in the online system viewable to me, my loan appeared as " refinanced, '' and I was not allowed to make a payment. I called the servicer twice and emailed once, but the servicer could not resolve the issue. Finally, I contacted the school, and they contacted the servicer. The problem was resolved. I immediately made a payment. 

I thought this was resolved until I saw my most recent credit report. My credit score declined by over XXXX points. The servicer reported that I was delinquent on my XXXX payment. 

To summarize, the servicer would not allow me to make a payment but then reported me as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents 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 2024-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
When receiving an " XXXX XXXX '' loan, customers are prompted to " Leave a tip ''. Consumers are provided with a tip recommendation of {$2.00}, and tip amounts range from {$0.00} to {$16.00} on an advance of {$100.00}. After selecting {$0.00}, on the next screen, consumers are prompted again to leave a tip and this time {$2.00} is automatically included in the transaction and as part of the total amount of the loan. Consumer has to remove tip amount to proceed without paying a tip. Consumer can also modify the tip amount as in the previous screen to an amount ranging from {$0.00} to {$16.00} on an advance of {$100.00}. On the following screen, customer is offered a " XXXX XXXX  '' for {$8.00} to send the loan to their account instantly ( versus 2-5 business days for free ). On the final screen, consumer finalizes the loan details. If a consumer selected a tip of {$0.00} on a loan of {$100.00} and did not select a XXXX XXXX, the total repayment amount due will be {$100.00}. The deceptive practice comes on the screen after the final loan screen which is titled, " XXXX doesn't grow on trees '' and again prompts consumers to leave a tip. Suggested tip amounts are {$0.00} to {$16.00}. At the very bottom of the screen is a " No thanks I'll tip next time button '' but right above it are the highest suggested tip amounts of {$10.00} and {$16.00} which have the largest button. A consumer attempting to skip this screen can accidentally hit one of the large tip amounts or automatically hit the {$10.00} tip amount thinking it is {$0.00} because this is the only screen that does not offer a tip amount of {$0.00} as in the other screens. Additionally, the term XXXX is deceptive because the loan is not instant unless the fee for the XXXX XXXX is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I always pay on time and never missed a payment.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 explanation
Consumer complaint received 2024-03-01 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: WA

Complaint narrative:
On XX/XX/year> I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile.

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 2024-03-01 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: WA

Complaint narrative:
On XX/XX/2024 I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following disputed items : XXXX. XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 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 2024-03-01 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: PR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I opened XXXX XXXX XXXX XXXX XXXX Mastercard which is in partnership with Barclays on XX/XX/09. 
They advertise that as a part of getting approved for this card I will get complimentary gold status with XXXX. It takes 1-2 billing cycle to reflect. 
I never got that. They upgraded me to silver but not to gold as advertised. I checked my XXXX account and my Barclays account. 
I reached out to XXXX and they agreed with me but asked me to reach out to Barclays. I reached out to Barclays this morning and they agreed with me too and asked me to reach out to XXXX. I reached out to Barclays again this afternoon and magically I see my status on Barclays as Gold. However, my status is still Silver on XXXX. Two of the following possibilities : 1. Barclays and XXXX system don't talk to each other and they are not in sync even though its a cobranded card 2. Someone magically updated my status to Gold after my complaint but XXXX system hasn't reflected it yet as it may take few days for the updated information to reflect.

Either way I was incorrectly devoid of the Gold status that they advertised. I paid {$490.00} annual fees with the card too.

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 2024-03-01 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: GA

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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am a Paypal member for years. I make purchases on different online websites and use Paypal as the Provider to the Merchant for the financial info being exchanged. They are supposed to be the Protector of my personal Info ..... Please keep in mind that Paypal is NOT the financial source whatsoever .... XXXX XXXX in this case is. XXXX is the XXXX  .... Paypal is just the go between ; keeping my info safe. 

Getting back to the issue ..... I made a recurring Donation to XXXX XXXX on a monthly basis for {$25.00} each month some months ago and everything has been going along smoothly. That charge is processed on the XXXX of the month and is always charged to my XXXX card. The XXXX card is my only funding source ever to be applied to any transaction made with Paypal!!!!!!!!!!! ... That's what was authorized with Paypal from the beginning. Then on XX/XX/XXXX this month, Paypal applied this recurring charge to my " Debit card '' without any authorization from me whatsoever. The {$25.00} was removed from my Checking account instantly instead of being charged to my XXXX CC. Again, this was never authorized!!!!!! ALL Transactions are supposed to be charged to my XXXX card on file .... Thats it. 

I called Paypal up immediately and was told that I had to appeal the transaction which I did. Then yesterday ( XX/XX/24 ) I recd an email from Paypal denying the refund on grounds that it is NOT covered under the terms of Paypal Purchase Protection. I proceeded to call Paypal again today and spoke to XXXX the Supervisor who told me that I agreed to this ability for Paypal to charge my Debit card since its in the fine print. I explained that the only reason that my Debit Card was on file was from years ago when XXXX owned Paypal and required all XXXX to supply their Debit cards in order to process XXXX payments easily back then ; It was NEVER to be used as a Funding source. Like I said it was years ago and even back then, by supplying it, It was NEVER to be used for Purchase Transactions whatsoever .... Only my XXXX card was to be used. I asked XXXX the Supervisor today for my refund since the transaction was NOT AUTHORIZED and Paypal acted immorally and unethically by debiting the cash from my Checking account on XX/XX/24 .... I explained that if there was any Processing problem on XX/XX/24 then the transaction should have been declined .... NOT TAKEN FROM MY CHECKING ACCT!!!!!!!!!! He refused. 
BTW- I have since removed my Banking Debit card from Paypal. 

Dear CFPB .... Please help in making sure that Paypal can not do this type of theft to any consumer again!!!!! What they did here is nothing less than Theft .... No matter what they call it. They changed the rules, created new rules and hid them in the fine print. 

Please have them refund me my {$25.00}!!!!!!! 
Thanks so much!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCIES RE : XXXX  Block Request Case # XXXXXXXX XXXX XXXX XXXX  Case # 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  Dear Sir or Madam : I, XXXX XXXX XXXX ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) Victim of XXXX ) Do hereby attest that I am a victim of XXXX  for purposes of section 605C of the Fair Credit Reporting Ac tThis statement.- [ ] As discussed below under 1022.142 ( c ) of the final rule, the Bureau is not adopting any exceptions to the requirement that consumer reporting agencies block adverse information that resulted from XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. I

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