vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Earlier yesterday morning I requested XXXX $ from my husband off PayPal. They sent him out of a retaliation from the last complaint XXXX $ and the money is not there. They are making up a lie to freeze and steal XXXX XXXX I filed a dispute. We both have screenshots of them telling us that the other one of us both being spouses can cancel and now they refuse to are refusing to cancel and steal the XXXX $ that was supposed be a request of XXXX XXXX I removed the bank account from that website and they have a copy of the account they once had until they deceived me previously several times. I keep letting it go but they keep closing my accounts and stealing funds. Last issue I had they said it was the wrong phone and when I added the phone number they refused the phone number. I would like to open a lawsuit suit for retaliation, theft, criminal activitys, and making up transaction that dont exist. They dont care that I have the screen shots of the lies they told me. They will steal my XXXX $ and cause a major melt down in the bank account they have access to with out my permission. I want this reported as theft and criminal malicious intent to defraud. We will show evidence in court They just keep doing this on purpose. Last time it was XXXX XXXX Now theyre stealing XXXX XXXX My economic situation is not well. My husband is not well. I can no longer live in a vicarious world of pay pal fraud and deception. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: FL

Complaint narrative:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: FL

Complaint narrative:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: NV

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 tem of information, other than records of convictions of crimes which antedates the report by mote than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

DELETE THE ACCOUNTS BELOW

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 2023-11-20 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: NV

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 tem of information, other than records of convictions of crimes which antedates the report by mote than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 
DELETE THE ACCOUNTS BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: FL

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address an ongoing issue concerning my credit report, specifically the continued existence of fraudulent accounts despite repeated efforts on my part to rectify the situation. This matter has caused significant distress, and I am seeking your assistance in resolving it promptly. 
Account Information : Creditor XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!!XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! 

I have previously submitted documentation and dispute letters regarding the fraudulent nature of the mentioned account. Despite my diligent efforts, these fraudulent entries persist on my credit report maintained by your bureau. This situation is both frustrating and alarming, as it not only negatively impacts my creditworthiness but also questions the effectiveness of the credit reporting process. I have also made repeated attempts to escalate this matter through the appropriate channels, but the issue remains unresolved.

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 2023-11-20 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-11-20 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items below. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: FL

Complaint narrative:
account number XXXX XXXX XXXX  63 months the account is currently showing closed but appears as a negative entry on my consumer credit report THIS is a direct violation of the credit reporting act 15 usc 1681 and the Graham Bailey Act i have no knowledge of this account and the company failed to provide each of these things as I REQUESTED IN WRITING : THEY HAVE COMMITED IDENTITY THEFT, VILATED MY RIGHTS TO PRIVACY AND MY CIVIL RIGHTS AS IT PERTAINS TO THE FAIR CREDIT ACT 15 USC 1681 ( 1 ) There was no validation of the debts by actual accounting ( 2 ) There was no validation of each creditor 's claim against me as my name as its listed is a fictious entity. I XXXX XXXX, currently of SOUND BODY AND MIND STATE THAT you must delete the entries on my consumer credit report due to identity theft in that you are in direct violation of the Fair Credit Act ( 3 ) : No signed invoices EXIST ( 4. ) There was no binding contract by both parties sent by certified mail so that your verification of the delivery has been made by a unbiased party. ( 5 ). There is no wet ink signature by both parties ( 6 ) or ANY OF THE SO-CALLED CREDITORS was not told that I was creating a contract with my wet signature because there is none. A contract or a signature on my behalf or theirs because a contract can not be made by a soulless legal fiction therefore this did not take place. Therefore, no legal entities or a third party can collect on their behalf. Furthermore A crime of forgery has been reported to the local authorities against your clients by Myself and there is an open civil proceeding in the county court in which the case number will be referenced once legal action is taken against your client and an identity theft report will be sent to you via the proper mailing procedure to ensure you are following the Laws as referenced in the Fair Credit Act THE COMPANY SOLD INFORMATION WITHOUT MY WRITTEN CONSENT FOR PURPOSES NOT ALLOWED BY THE LAW ( See the federal trade commissions notice of penalties offenses regarding non affiliated third parties ) If you receive NPI from a nonaffiliated financial institution, your ability to reuse and redisclose that information is limited. The limits depend on how the information is disclosed to you. It does not matter whether or not you're a financial institution If you share their NPI with nonaffiliated third parties outside of three exceptions ( see " Exceptions '' ), you must give your consumers and customers an " opt-out notice '' that clearly and conspicuously describes their right to opt out of the information being shared. An opt-out notice must be delivered with a privacy notice, and it can be part of the privacy notice

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 2023-11-20 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:
account number XXXX XXXX XXXX  63 months the account is currently showing closed but appears as a negative entry on my consumer credit report THIS is a direct violation of the credit reporting act 15 usc 1681 and the Graham Bailey Act i have no knowledge of this account and the company failed to provide each of these things as I REQUESTED IN WRITING : THEY HAVE COMMITED IDENTITY THEFT, VILATED MY RIGHTS TO PRIVACY AND MY CIVIL RIGHTS AS IT PERTAINS TO THE FAIR CREDIT ACT 15 USC 1681 ( 1 ) There was no validation of the debts by actual accounting ( XXXX ) There was no validation of each creditor 's claim against me as my name as its listed is a fictious entity. I XXXX XXXX, currently of SOUND BODY AND MIND STATE THAT you must delete the entries on my consumer credit report due to identity theft in that you are in direct violation of the Fair Credit Act ( XXXX ) : No signed invoices EXIST ( XXXX. ) There was no binding contract by both parties sent by certified mail so that your verification of the delivery has been made by a unbiased party. ( XXXX ). There is no wet ink signature by both parties ( XXXX ) or ANY OF THE SO-CALLED CREDITORS was not told that I was creating a contract with my wet signature because there is none. A contract or a signature on my behalf or theirs because a contract can not be made by a soulless legal fiction therefore this did not take place. Therefore, no legal entities or a third party can collect on their behalf. Furthermore A crime of forgery has been reported to the local authorities against your clients by Myself and there is an open civil proceeding in the county court in which the case number will be referenced once legal action is taken against your client and an identity theft report will be sent to you via the proper mailing procedure to ensure you are following the Laws as referenced in the Fair Credit Act THE COMPANY SOLD INFORMATION WITHOUT MY WRITTEN CONSENT FOR PURPOSES NOT ALLOWED BY THE LAW ( See the federal trade commissions notice of penalties offenses regarding non affiliated third parties ) If you receive NPI from a nonaffiliated financial institution, your ability to reuse and redisclose that information is limited. The limits depend on how the information is disclosed to you. It does not matter whether or not you're a financial institution If you share their NPI with nonaffiliated third parties outside of three exceptions ( see " Exceptions '' ), you must give your consumers and customers an " opt-out notice '' that clearly and conspicuously describes their right to opt out of the information being shared. An opt-out notice must be delivered with a privacy notice, and it can be part of the privacy notice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: LEXISNEXIS
State: FL

Complaint narrative:
account number XXXX XXXX XXXX  63 months the account is currently showing closed but appears as a negative entry on my consumer credit report THIS is a direct violation of the credit reporting act 15 usc 1681 and the Graham Bailey Act i have no knowledge of this account and the company failed to provide each of these things as I REQUESTED IN WRITING : THEY HAVE COMMITED IDENTITY THEFT, VILATED MY RIGHTS TO PRIVACY AND MY CIVIL RIGHTS AS IT PERTAINS TO THE FAIR CREDIT ACT 15 USC 1681 ( 1 ) There was no validation of the debts by actual accounting ( 2 ) There was no validation of each creditor 's claim against me as my name as its listed is a fictious entity. I XXXX XXXX, currently of SOUND BODY AND MIND STATE THAT you must delete the entries on my consumer credit report due to identity theft in that you are in direct violation of the Fair Credit Act ( 3 ) : No signed invoices EXIST ( 4. ) There was no binding contract by both parties sent by certified mail so that your verification of the delivery has been made by a unbiased party. ( 5 ). There is no wet ink signature by both parties ( 6 ) or ANY OF THE SO-CALLED CREDITORS was not told that I was creating a contract with my wet signature because there is none. A contract or a signature on my behalf or theirs because a contract can not be made by a soulless legal fiction therefore this did not take place. Therefore, no legal entities or a third party can collect on their behalf. Furthermore A crime of forgery has been reported to the local authorities against your clients by Myself and there is an open civil proceeding in the county court in which the case number will be referenced once legal action is taken against your client and an identity theft report will be sent to you via the proper mailing procedure to ensure you are following the Laws as referenced in the Fair Credit Act THE COMPANY SOLD INFORMATION WITHOUT MY WRITTEN CONSENT FOR PURPOSES NOT ALLOWED BY THE LAW ( See the federal trade commissions notice of penalties offenses regarding non affiliated third parties ) If you receive NPI from a nonaffiliated financial institution, your ability to reuse and redisclose that information is limited. The limits depend on how the information is disclosed to you. It does not matter whether or not you're a financial institution If you share their NPI with nonaffiliated third parties outside of three exceptions ( see " Exceptions '' ), you must give your consumers and customers an " opt-out notice '' that clearly and conspicuously describes their right to opt out of the information being shared. An opt-out notice must be delivered with a privacy notice, and it can be part of the privacy notice

Company response to consumer: Closed with non-monetary relief