vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
Basis for dispute : Account XXXX : XXXX XXXX, Account XXXX : XXXX **Inaccuracy of information. The Account information reported is incorrect. 
Account XXXX : Digit sequence show a discrepancy. Date of Last Activity : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ). Date Reported : Equifax shows XX/XX/XXXX while XXXX and XXXX show XX/XX/XXXX, Date Opened : XXXX shows XX/XX/XXXX and XXXX and Equifax show XX/XX/XXXX, Closed date : Only reported for XXXX, Last Payment : Equifax shows XX/XX/XXXX while XXXX and Equifax show XX/XX/XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: CA

Complaint narrative:
Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

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 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
On XX/XX/year>, I purchased a couch from XXXX XXXX on XXXX XXXX for {$300.00}. She asked me through XXXX XXXX to use PayPal Friends and Family which I did. The transaction went through. When I returned to the conversation on XXXX XXXX, the conversation had disappeared and so did the listing for the couch. I realized gthat i had been scammed and immediately went to PayPal to dispute the transaction. I was refused as it said that since I used " friends and family, '' I was not covered under buyer protection. I tried to send a message to the seller, and I could not ... it said that I could not contact the seller. So, I called PayPal in a panic. They said that since I used " friends and family, " I could not cancel the transaction or ask for a refund, that the money was transferred and I had to pay it. I asked what i should do since I suspected fraud. they said to contact my bank since the transaction ahd not, yet, gone through. I did that and my bank said that all they could do was to close my account and to open a new one. I did that. The next day, i got an email and a few phone calls from PayPal saying that I owed the {$300.00} and that I had to release these fund to them from my bank. I refused and, now, I see that my account on PayPal is deliquent for the {$300.00} and that I can't send or receive funds though PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
Dear XXXX XXXX XXXX I am writing in response to a collection account reported by your agency, referenced under account XXXX, I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), section 809. Please provide me with the following information : 1. **Proof of Debt**. Documentation showing that I am legally obligated to pay this debt, including the original creditor 's name, account number, and the amount owed. 2. **Verification of Your Authority : **Proof that your agency has the legal right to collect this debt on behalf of the original creditor. 3. **Detailed Account Information : ** A complete history of the debt, including any payments made and interest or fees added. If you are unable to provide the requested validation within 30 days of receiving this letter, please remove this collection account from my credit report and cease all collection activities related to this debt. Please respond to my request in writing at the address provided. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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:
Urgent Alert : Immediate Action Required! Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), it is explicitly stated that " There is a need to ensure that consumer reporting agencies uphold their profound responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian, as consumer reporting agencies, are bound by this mandate, and as a consumer, I am entitled to enforce my right to protect my private information. Moreover, 15 USC 6801 underscores that XXXX has established a policy where each financial institution must uphold a continuous and affirmative obligation to safeguard the privacy and confidentiality of customers nonpublic personal information. This obligation extends to any entity providing information to credit agencies, which are classified as financial institutions under this regulation. 15 USC 1681, Section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies are only permitted to furnish consumer reports under specific conditions, primarily adhering to the written instructions of the consumer. Neither XXXX nor Experian has my consentneither verbal, written, nor impliedto disclose my information. All forms of consent to these agencies are hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) requires that financial institutions disclose nonpublic personal information to nonaffiliated third parties only after providing the consumer with a clear explanation of how to exercise their nondisclosure option. Neither XXXX nor Experian has provided such information, thereby failing to comply with this regulation. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that predates the report by more than seven years. The continued reporting of this outdated information without my authorization constitutes a direct violation of this law. 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that no person should furnish inaccurate information to any consumer reporting agency if they are aware or reasonably should know of its inaccuracy. XXXX and Experian are in clear violation of this requirement. 15 U.S. Code 1681e demands that consumer reporting agencies implement reasonable procedures to prevent violations of Section 1681c and limit the furnishing of reports to legitimate purposes. It is evident that XXXX and Experian are failing to uphold these standards. Finally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. I am exercising this right immediately. This is a serious breach of legal obligations and my personal privacy. Immediate rectification and cessation of these practices are required.

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 2024-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc.
State: GA

Complaint narrative:
Over the past three years, I have been a customer of Solo Funds, having availed several loans from them since XX/XX/year>. However, I recently discovered that the interest rates on these loans were cleverly disguised as " tips '' and " donations. '' I have documentation to support my claim, including an example where I initially requested a loan amount of {$100.00} with a " Lenders Tip '' of {$5.00}, and the total amount due was {$110.00}, including a {$7.00} " Donation '' for SoLos Maintenance Fee. Subsequently, the lender proposed new terms, increasing the " Lenders Tip '' to {$10.00} while maintaining the {$7.00} " Donation '' for the maintenance fee. Furthermore, it was stated that rejecting this new proposal might result in my loan returning to the marketplace, potentially leaving me without funding from another lender.

I have been lured into a scheme where I ended up paying exorbitant " tips '' and " donations '' without my full understanding.

I'm seeking your support and assistance regarding restitution payment from SoLo Funds for the amounts borrowed and repaid and the tips and donations made since I joined after falling victim to deception. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have asked proof of the appearance of the PERSONAL INFORMATION that I have no idea of.

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 2024-09-04 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: MN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I obtained auto finance through Toyota XXXX XXXX. My payment due date was originally on the XXXX of every month for {$380.00}. 

On or about end of XXXXXXXX XXXX  due to anticipated changes to my finance, I called and requested for a change of date to the XXXX of every month. 

On XXXX XXXX XXXX the request was approved and a new date was set as shown on the letter attached hereto. 

Toyota XXXX XXXX has deliberately refused honoring the new date and been bombasting with calls that my account is late and delinquent. I spoke with 2 clerical staff for correction of the error, which ahs not been corrected. 

In the meantime, the lates have been reported to all credit bureaus, which has impacted me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
DOB : XX/XX/year> XXXX  : XXXX SECURITY FREEZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
DOB : XX/XX/scrub>XXXX XXXX XXXX XXXX SECURITY FREEZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-09-04 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I have a car loan that is supposed to end on XX/XX/XXXX I pay online using American Credit Acceptance 's ( ACA ) website, through their SpeedPay option. On XX/XX/XXXX, I made a future payment to go live on XX/XX/XXXX of {$250.00}, the number stated on the site at time of pay. I see a " Convenience Fee '' of {$5.00} but nothing else, just the payment amount of XXXX, which totals {$250.00}. 

When I submitted this future payment, I see on the next page " On XX/XX/XXXX, your account will be current and your next due date will be XX/XX/XXXX. Your total due including fees will be XXXX ''. My loan is current and set to end onXX/XX/XXXX I called ACA to ask why I am getting an XXXX date and upon looking at my account, apparently I have fees hiding of roughly {$40.00} that was *not* presented at all when it was time to pay. The people on the phone keep saying it's a mistake in their system and glitch- but I'm still expected to pay this hidden fee or never get my title. I have screenshots of my payments and the fact that this hidden {$40.00} did not show up at all - I had to look for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to urgently dispute several unauthorized and invalid hard inquiries that have appeared on my credit report. Upon reviewing my recent credit report from your agency, I was deeply concerned to find these inquiries, none of which I have authorized or consented to :

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 2024-09-04 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: FL

Complaint narrative:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section XXXX ( XXXX XXXX. XXXX ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
XXXXmmediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries. 
2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

Company response to consumer: Closed with explanation