vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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:
FINAL NOTICE RE : DEMAND FOR DELETION OF LISTED ITEMS/Per XXXX Privacy Act Also see ; Gramm leach Bliley act 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role WHERE DO YOU GET YOUR AUTHORITY Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file.

Per the FCRA, I am entitled to have a fair and accurate credit report.

XXXX PRVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,.

15 US code 1681 604 A cra can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information ( a ) Notice requirements ; ( b ) The term affiliate means any company that controls, is controlled by, or is under common control with another company.

A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information ( A ) Notice to consumer is required ( I ) In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer.

This shall be done 30 days before, or after furnishing of any such negative information.

Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra-vires action, HEARSAY.

Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal RICO, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see U.S. v Kozminsky 487 U.S. 931 ( XXXX ).

The below listed items are incorrect and are causing irreparable harm and distress because of your predatory business practices.

Any continued reporting would be another violation, 15 US code & 1681n, knowingly, violating consumer lawyer, and Calif business professional code 17200. These items are as follows

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: TN

Complaint narrative:
I recently checked my credit report and noticed that there are inquiries that I don't recognize, I did not authorize these and I did not applied to them nor given consent to the companies to pull up my credit report, it is stressing me out and making me anxious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: 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 non-monetary relief
Consumer complaint received 2024-10-09 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: 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 2024-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
About XXXX years ago I reached out to Wells Fargo to see how I could pay on the principal. They told me to make multiple payments throughout the month to avoid paying more interest. That was not working so I contacted them roughly XXXX months ago and they informed me that the information I received was incorrect and that I needed to make my minimum payment on the due date and a second payment on the same day. I was told The second payment would all go to principal. So I did that and it worked for the first month, but the second month my separate payment went all to interest and Ive called them XXXX times to fix this and they keep giving me the runaround and wont apply my second payment to principal.

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 2024-10-09 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:
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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I see Spring Oaks capital LLC on my XXXX  report for {$650.00}. I've tried disputing this twice and nothing happened. When I looked this company up online, I came across XXXX. When I searched Spring Oaks Capital, I saw that they were banned from collecting debt in the state of New York where I reside. I have no idea who these people are or what they want or how they got my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: MN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Several inquiries on several different occasions are listed that were not made by me nor authorized by me.

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 2024-10-09 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: CA

Complaint narrative:
I CONTACTED ... .NOTIFYING THEM THAT THE HARD INQUIRE FROM XXXX  XXXX IS INCORRECT ... ..I CALLED LAST YEAR AND THIS YEAR... EACH TIME THEY USE DELAY TACTICS TO DISCOURAGE ME...... ..ALSO THEY MAKE IMPOSSIBLE TO GET HOLD OF CUSTOMER SERVICE THIS ISSUE IS REALLY SIMPLE I CONTACTED CAPITAL ABOUT THE INQUIRE, THEY TOLD ME " THEY DON '' T SEE ANYTHING ON THEIR END ...... I DO NOT OWN A CREDIT CARD OR LOAN FROM XXXX... 

I CONTACTED XXXX REGARDING THIS MATTER THEY DELETED WHILE I WAS ON THE PHONE .... 

XXXX AND EQUIFAX HAS THE REPUTATION FOR USING DELAY TACTICS EACH TIME ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: SC

Complaint narrative:
Violation is misdemeanor of town ordinance of XXXX XXXX, SC, not traffic violation, with XXXX points. XXXX is reporting this as a traffic violation and refuses to change report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable 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 non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This account XXXX XXXX XXXX XXXXXXXX has been purchased by a THIRD PARTY DEBT COLLECTOR. 
This must be DELETED as the status is not correct, the amount is not correct and the account was paid for less by the THIRD PARTY DEBT COLLECTOR. 
As you can see my partial credit report that I have attached in this dispute the information is not correct and it is not accurate. 
There for it must be DELETED immediately. 
How much did the DEBT COLLECTOR pay for this alledged debt? I do not know and neither does the credit report reflect such amounts. 
This is a clear VIOLATION of the Fair Credit Reporting Act ( FCRA ) as this is not ACCURATE or COMPLETE. 
DELETE : XXXX XXXXXXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: 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 2024-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Today was my XXXX attempt to buy and transfer XXXX from PayPal and send to my reliable XXXX XXXX. My last XXXX attempts to buy and transfer XXXX were both locked after purchasing XXXX. My original and first purchase was transferred with no issues. Thereafter, nothing has worked as it should. The excuse by PayPal is that they use a XXXX party system to send and receive crypto. If this is the case, why did my first purchase transfer without issues. The reality is they are using an unreliable security technology that makes too many assumptions of fraud. Once PayPal or Venmo receives information that the purchase and transfer is not fraud, they do NOTHING about it to allow for the release of the funds. The funds will remain locked for up to XXXX days, see my previous complaint filed against Venmo. PayPal needs to take responsibility for the failure of their security technology, get it fix and find a better way to allow access to funds. I know that numerous complaints have been filed but yet nothing is done to hold PayPal and Venmo accountable for these unacceptable holds. XXXX is instant and can not not be recalled. Therefore, what reason is there to place a hold on the funds? Its simple, PayPal has a known problem with their crypto trading platform and doing nothing about finding a better solution. I will now have to sell the XXXX, transfer the funds back to my account and use another site to purchase and send the XXXX. This will cost me about {$20.00} waisted on PayPal. I do expect a full refund from PayPal for all the fees charged for buying and selling the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : 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 2024-10-09 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ( 1. Account Name : FSNB, NA Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX Account XXXX : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of all late payments. and update the balance to current or delete the negative payment status on this account. 

3. Account Name : XXXX Account XXXX : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate XX/XX/year> Close Date : Inaccurate XX/XX/year> Payment status Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing a complaint against American Express ( AMEX ) for inaccurate and unverified reporting on my credit profile with XXXX. The account in question, Account # XXXX, contains multiple discrepancies and has been misreported, resulting in unjust negative marks on my credit report. Despite prior requests, AMEX has not provided sufficient verification or evidence of compliance. Specific issues with this account include : - Incorrect Payment Status and Account Status : This account is inaccurately listed as 'Collection or ChargeOff, ' even though it was closed and legally settled with a XXXX balance. Furthermore, the Creditor Remarks inaccurately state Account Legally Paid in Full for Less than Full Balance, misrepresenting the settled nature of the account and failing to reflect a correct resolution. This status falsely represents the account and fails to meet Fair Credit Reporting Act ( FCRA ) standards for accurate and verified data reporting. 

- Non-Compliance with XXXX XXXX Standards : AMEX has not complied with XXXX XXXX standards for accuracy. For example : -Date Reported ( XXXX ) and Date of Last Activity ( XXXX ) are inconsistent with the accounts settled status and closed state. The dates provided imply ongoing delinquency, contradicting the fact that the account has been fully closed. 
XXXX XXXX ( XXXX or XXXX ) is inaccurately presented without proof or documentation, conflicting with the accounts true status and non-compliance with XXXX XXXX standards. 
-Term Length is inaccurately listed as XXXX, which does not apply to this revolving credit account. This further demonstrates inconsistencies in reporting. 

- Lack of Verification and Compliance Documentation : Despite requests, AMEX has not provided any proof of compliance with FCRA standards or XXXX XXXX formatting requirements. Under 15 U.S.C. 1681e, credit reporting agencies and furnishers must use reasonable procedures to ensure maximum possible accuracy. American Expresss failure to provide the requested verification documentation and evidence of permissible purpose for this derogatory status is a clear violation of this requirement. 

Relevant Legal Violations : This report lacks adherence to essential consumer protection standards : - FCRA Violations : Per 15 U.S.C. 1681e and 12 CFR Part 1022, AMEX must report accurate data, yet their reporting reflects serious inaccuracies that impact my creditworthiness. 
- XXXX XXXX Non-Compliance : Per XXXX guidelines, 'Any Deviation from These Standards Jeopardizes the Integrity of the Data. ' The inaccuracies in AMEXs reporting highlight a lack of adherence to these industry standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
10 years ago I had a Bluebird card which I used for a short while then stopped using it. In XXXX I became concerned with having an open and dormant card. I contacted Bluebird in XX/XX/XXXX, at which time they verbally communicated that the account was terminated. After this time I stopped receiving monthly statement notifications in my email. A short time later I shredded my card. 

XX/XX/XXXX To my surprise I started receiving monthly statements again. I called them around this time and asked them to close my account but XXXX was unhelpful and I didn't have time to resolve at that time. 

XX/XX/XXXX I called again to try to close my account. They asked for last 4 ssn, DOB, email, and also the following information which I do not have any longer : user id, card number, card number and card # pin. They did not ask me for nor were they interested in my physical address. They said that the information I provided did not match an account on file. 

I am concerned because I still have bank account information associated with the account and I don't want the account just active and dormant. It seems that the PII should be sufficient to close an account, and I shouldn't need to have the original username and physical card to do so.

Company response to consumer: Closed with explanation