vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Fraudulent Inquiries appearing on 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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraudulent Inquiries appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Late payments on my credit report is a privacy violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I received an alert from XXXX that I had a new credit inquiry. XXXX uses Experian for their credit monitoring services. 

Inquiry Date : XX/XX/2023 Lender : XXXX XXXX XXXX It appears that XXXX ran my credit without my consent, as I have never engaged or attempted to engage with XXXX in any capacity.

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 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Card balance transfer balance was due XX/XX/XXXX. Paid in full, posted XX/XX/XXXX {$4400.00}. They applied payment to another balance transfer that was expiring in XX/XX/XXXX and the balance transfer that was due XX/XX/XXXX was changed to purchases at an interest rate 15.5 % and now 17.24 %. Their explanation is a policy that doesn't exist in the balance transfer agreement nor statement how they apply payments. Our position is per agreement and statement we paid the balance transfer prior to expiration. Their policy due to automatic payment of {$300.00} was applied to the 0 % balance transfer first, then the next highest was 4.9 % which they applied to balance transfer expiring XX/XX/XXXX. Thus the balance transfer we were paying is now XXXX %. They are taking advantage of policy not written in transfer agreement or on statement. Should be illegal since it takes advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have filed two disputes with Equifax since XX/XX/2023 ( XX/XX/2023 & XX/XX/2023 ) regarding the removal of unpaid medical debt under {$500.00}. The collection agency XXXX XXXX XXXX refuses to stop reporting/remove it and Equifax is refusing to remove it from my credit report stating that the debt is still valid and has been verified. I am aware of the reporting changes regarding medical debt. I had no issues getting both of the collections removed from my XXXX XXXX XXXX credit reports so I don't understand why Equifax is refusing to remove them. 

The first debt is for {$50.00} from XXXX XXXX and the second one is for {$100.00} from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is allowing a merchant and their employees to rob me of {$3600.00}. I liquidated some of my IRA to pay off the fraudulent transaction in an attempt to prevent further damage to my perfect credit. 

On top of that wells fargo is trying to profit on the interest earned during the 1 year period I have been fighting this fraudulent charge. Any gap in fighting this transaction with wells is due to their complete inability to be of any help or at a minimum provide some type of customer service. During any " gap '' in me fighting this I have been reaching out to the merchant, XXXX police ( who told me this is Wells issue and did nothing ), XXXX XXXX XXXX XXXX, the FTC, and the CFPB. 

This is causing serious harm to my credit score, caused harm to my retirement accounts, and is causing me general financial harm. I have provided a recount and explanation of the scam, an example of forgery of my signature on a receipt provided by merchant, proof of my time at merchant, examples of XXXX reviews of the merchant where pricing matches what I am stating in my explanation of fraud, examples of XXXX customer reviews where other customers complain of being scammed in a similar way. Yet wells claims I have not provided any information to dispute the transaction. They claim they cant help me because I signed the double charge receipt. THAT WAS THE SCAM. I was in a VIP room and being told I still owed for the time I agreed to because the bank came back and blocked the transaction. I was told I should have a text saying the transactions were blocked and I need to accept them. I did so naively I fell for it. What was I supposed to do? Fight my way out of the club? 

The merchant is flat out robbing me and all wells needs to do is reverse the transaction to protect my finances and credit. This is their responsibility as a lender. 

I have been a customer for over 10 years. In that time I have hed multiple credit cards, a line of credit, and accounts all used perfectly. 

I refuse to be victimized by this XXXX merchant and your XXXX bank. I will dispute this transaction daily until Im given justice.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute the inaccuracies and illegalities in my credit report that have caused significant harm to my credit score and financial well-being. Specifically, I am concerned with the actions of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 

Firstly, XXXX XXXX XXXX  XXXX reported a late payment on my account ( XXXX ) which is completely false. I have never missed a payment on this account and have always paid on time. This violation of the Fair Credit Reporting Act ( FCRA ) has caused undue harm to my credit score and has the potential to impact my future financial opportunities. 

Secondly, XXXX XXXX has reported my account ( XXXX ) as charged off, which is also false. I have made several attempts to rectify the situation with the company, but they have refused to acknowledge my payments and have continued to report the account inaccurately. This violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) has caused significant damage to my credit score and my ability to secure credit in the future. 

Thirdly, XXXX XXXX XXXX  XXXX XXXX. has reported my account ( XXXX ) as being in collection, which is also false. I have never received any communication from them regarding a collection account, and they have not provided me with any proof of such a claim. This violation of the FCRA and the Truth in Lending Act ( TILA ) has caused unnecessary harm to my credit score and my financial reputation. 

Lastly, XXXX XXXX XXXX  XXXX XXXX. XXXX has also reported my account XXXX XXXX  ) as being in collection, which is completely unfounded. This violation of the Real Estate Settlement Procedures Act ( RESPA ) and the Equal Credit Opportunity Act ( ECOA ) has caused significant damage to my credit score and my financial stability. 

I request that you investigate these inaccuracies and take appropriate action to rectify the violations of the above-mentioned laws. Please provide me with written confirmation of your findings and the actions taken to rectify these violations. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute the inaccuracies and illegalities in my credit report that have caused significant harm to my credit score and financial well-being. Specifically, I am concerned with the actions of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. 

Firstly, XXXX XXXX XXXX  XXXX reported a late payment on my account ( XXXX ) which is completely false. I have never missed a payment on this account and have always paid on time. This violation of the Fair Credit Reporting Act ( FCRA ) has caused undue harm to my credit score and has the potential to impact my future financial opportunities. 

Secondly, XXXX XXXX has reported my account ( XXXX ) as charged off, which is also false. I have made several attempts to rectify the situation with the company, but they have refused to acknowledge my payments and have continued to report the account inaccurately. This violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) has caused significant damage to my credit score and my ability to secure credit in the future. 

Thirdly, XXXX XXXX XXXX  XXXX XXXX. has reported my account ( XXXX ) as being in collection, which is also false. I have never received any communication from them regarding a collection account, and they have not provided me with any proof of such a claim. This violation of the FCRA and the Truth in Lending Act ( TILA ) has caused unnecessary harm to my credit score and my financial reputation. 

Lastly, XXXX XXXX XXXX  XXXX XXXX. XXXX has also reported my account ( XXXX  ) as being in collection, which is completely unfounded. This violation of the Real Estate S

ettlement Procedures Act ( RESPA ) and the Equal Credit Opportunity Act ( ECOA ) has caused significant damag

e to my credit score and my financial stability. I request that you investigate these inaccuracies and take appropriat
e action to rectify the violations of the above-mentioned laws. Please provide me with written confirmation of your findings and the actions taken to rectify these violations.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the fair credit reporting act, XXXX  account number XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. states, A consumer reporting agency can not furnish a report without the written instructions or concern from the consumer ( myself ). 

XXXX XXXX and Equifax have violated my rights by furnishing my credit file with inaccurate information regarding account XXXX XXXX XXXX. I have verified that Discount does not exist with the listed lender or creditor. This account is fraudulent. I have disputed it several times in the past and it only comes back updated. I deserve the right to an accurate credit file. I have provided proof and documentation of an accuracies that violate my rights. Please remove this in accurate information from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A dispute was submitted with Experian on or around XX/XX/23 regarding 9 accounts from XXXX that showed factually incorrect payment history. Attached to this dispute was a document from the reporting creditor ( XXXX  ) showing that the accounts were in deferment or forbearance during the specified dates. 

Experian completed their " investigation '' and noted that accounts were reporting correctly on or around XX/XX/23. Experian was called regarding this issue on the same date and informed me that there was nothing I could do regarding this situation. I asked to speak to a supervisor and this same information was parroted to me regarding my issue. 


The dates in question are : XXXX and XXXX for all XXXX XXXX Accounts listed on 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 explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TX

Complaint narrative:
On Thursday, XX/XX/2023 I was notified that my venmo account had been suspended and was under review. I was never notified about any of this and basically, my funds are locked. I have a business venmo account and have been using venmo for 5 plus years now and have never gone through this. They can't give me any information as to why this is happening and I have no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
Credit Karma sent an email notification that I had a " derogatory mark '' on my credit when I did not. This is a type of click-bait and is inaccurate about my account. The rep from the company claims that the email is a " recommendation '', even though the email clearly states " View Derogatory Mark. '' This type of language would lead a reasonable person that there is, in fact, an actual mark to be viewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
My mortgage was sold to Roundpoint company in XX/XX/2023. I got a letter in XXXX from my prior lender, XXXX XXXX stating this was to occur and the next payment to be made would go to Roundpoint. XXXX XXXX 's letter provided the Roundpoint contact but no other info. XX/XX/XXXX, when I typically pay bills, I called Roundpoint and they said they did not have the transfer completed and could not provide me with any information so that I could pay the mortgage on time. They said I would receive a letter from Roundpoint when they were ready to receive payments. They reassured me that there was a 60 day grace period to allow all the customers to receive the necessary information to pay their mortgage. I never received a letter. I got a call about XX/XX/XXXX and the lady was quite rude, she said there is a grace period but the payment would still be listed as late, even though I couldn't have paid it without the loan number. As I tried to explain and ask for proper documentation she continually interrupting me. I stated I was waiting for a letter from them that clearly documents that the loan was transferred, the loan number, the amount of the loan and the interest. The rude customer service rep kept suggesting I could solve all these problems myself, and could have already paid the mortgage. This loan is {$450000.00}, and this is serious money to me. I want a document that shows the loan is accurate. There can be mistakes and fraud and I don't want to be a victim of a scam. She never assured me that a paper letter would arrive that would provide this needed and required information. She said " check your email junk folder.. I did and a letter providing some basic info but not complete info was there. just enough to pay them, but no statement of loan amount or interest. This reeks of fraud. I would like them investigated. The mortgage industry has a very bad reputation and this is another example of why. I have perfect credit, and I will pay them, but I am reluctant to continue to work with this company and it isn't fair to me to have to consider refinancing due to this type of behavior.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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 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