vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian will not let me dispute a bankruptcy on credit report States XXXX XXXX XXXX XXXX XXXX Too Old for credit report Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can upload it here. You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

If they wont let a dispute go through how can I submit further information/details There is a lawsuit against Experian for not responding to disputes but I would rather handle this matter as quickly as possible I have attempted to dispute this bankruptcy every month since 2022 and XXXX and XXXX but have failed each time

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 2023-02-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is govern by 15 USC 1681 ; as such, they have violated my rights numerous times, I demand that these accounts listed below be REMOVED!! According to 15 USC 1681, I have the right to privacy and I did not give Equifax my permission to furnish these fraud accounts. Equifax has given out false information and false credit scores for me that have cost me high interest payments denied credit ; XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I was scammed on XX/XX/2022 by a fake real estate company that I sent a security deposit to rent an apartment in XXXX, FL. I sent {$2300.00} via XXXX through Santander and then never heard back from the company called XXXX XXXX XXXX XXXX. On that same day I called Santander and was told by the agent that they could already tell they the email address was a fraud. This leads to the obvious issue, if Santander knew that the email account was fraudulent, why did they let the transaction go through? This was clearly fraud and the bank knew it yet did nothing to protect me as a consumer. I find this unacceptable and misleading because bank protected me from Fraud. I have tried to resolve with no success. Please help me resolve with my bank so I can get my hard earned money back.

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 2023-02-26 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
My identity was stolen and two consumer loan accounts were made in my name. The lender 's name is Affirm. The first account was opened on XX/XX/XXXX for {$130.00} and the second on XX/XX/XXXX for {$310.00}. When I saw these fraudulent accounts on my credit report, I contacted Affirm, submitted a dispute with the credit bureau, and filed and submitted a police report. Not only did Affirm demand that I pay off the fraudulent accounts, they also refused to remove the fraudulent accounts from my credit report. When I contacted Affirm, they said I needed to pay off the accounts because they were in my name. I did so because I didn't want any more negative impact on my credit report ( there are months of late payments on the two accounts because I was unaware of the accounts/ I didn't open them ). I've since paid them off and they both have {$0.00} balances. Can you please remove these two fraudulent Affirm accounts from my credit report. It's frustrating to have my financial life impacted by something I didn't do. And I've gone above and beyond to fix the issue. I contacted the creditor ( Affirm ), submitted a dispute with my credit bureau, filed and submitted a police report ( attached ), and even paid off the accounts even though I didn't open them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: Experian Information Solutions Inc.
State: AL

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. 

Below are the name of accounts and numbers XXXX XXXX : # XXXX, XXXX : # XXXX XXXXXXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX theses accounts above, 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 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 2023-02-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602a -States I have the right to privacy. 

15 U.S.C 1681 Section 604a- Section 2XXXX It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, I have never dealt with XXXX I explained to them that my identity had been stolen and they did not understand I filed a claim with all 3 credit bureaus and they did not remove the account XXXX XXXX XXXX l XXXX, Also the same thing with this account, I filed a claim in all 3 credit bureaus and it appears again and I have never had any business with them nor have I bought any product with them.

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 2023-02-26 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: TX

Complaint narrative:
XXXX XXXX XXXX, I have never dealt with XXXX I explained to them that my identity had been stolen and they did not understand I filed a claim with all 3 credit bureaus and they did not remove the account XXXX XXXX XXXX l XXXX, Also the same thing with this account, I filed a claim in all 3 credit bureaus and it appears again and I have never had any business with them nor have I bought any product with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My US DEPARTMENT OF EDUCATION accounts on TRANSUNION have been illegally RE-AGED after Dispute for deletion for INACCURACIES & INCONSISTENT! Account should have been FIRST DATE of Delenquency back in XXXX or XXXX. Account should have been off my Consumer Report. Account begins on XX/XX/XXXX in COLLECTIONS!? DOLA has been changed. 

I did not contact anyone or make payments for months to reopen this destroyed account or give written permissible purpose to furnish US DEPARTMENT OF EDUCATION accounts XXXX & XXXX TRANSUNION

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 2023-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I am being penalized for a bill that my ex will not pay sum of XXXX dollars I have provided statements that I did not reside at the address after moving from this address they refuse to remove my name from account in question I have never received any letters stating they were trying to collect this debt at my apt it just popped up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX  account # XXXX and XXXX  account # 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 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 has reasonable cause to believe that the information is inaccurate.

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 2023-02-26 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: GA

Complaint narrative:
According to the FCRA 15 USC code1681 the 3 credit agencies that are displaying and furnishing inquiries and information on my credit report without my written consent which is against the law. Knowing I have submitted proof that of mix identity and been a victim of identity theft knowingly reporting things without my consent it damaging my credit and creditability and causing me hardship in my life which no matter how much proof I submit the credit agencies refuse to abide by the laws and correct. In addition to this preventing me from having access to my account due to mixed information that is preventing me from knowing what all is reporting. I have been going through this longer than 3 months with them and my report needs to be corrected immediately as I am being negatively impacted financially and mentally due to this stress and 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 non-monetary relief
Consumer complaint received 2023-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
disputed incorrect information with Transunion TWICE regarding account XXXX issued by XXXXXXXX XXXX I have supplied documents to support facts, Trans union needs to STOP parroting e-oscr and investigate and properly update said account they are in violation of the FCRA again ... ... .....

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 2023-02-26 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: DISCOVER BANK
State: MS

Complaint narrative:
The months of XXXX and XXXX, Discover filed a report of late payment to my credit report, demoralizing my credit. During that time I was going through financial difficulty. I was preparing for my departure heading to XXXX XXXX training. In accordance with the fair credit Reporting act Convergent has violated my rights. 15 USC1681 Section 602 States I have the right to privacy.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
RoundPoint 's failure to address ethnic names in its computer systems and its corporate policies fail to address Diversity, Equity, and Inclusion resulting in clearly discriminatory practices to its borrowers and I expect to be treated with respect and professionalism without having my name botched and distorted, regardless of my ethnic background or cultural identity. 

RoundPoint 's computer systems inability to recognize or properly display certain ethnic names can lead to incorrect data entry and documentation and can cause significant inconvenience and even financial harm to its customers, as it can result in delays or errors in processing important mortgage-related documents. 

I believe that as a company, RoundPoint has a responsibility to ensure that its systems are designed to accommodate the diverse range of names that exist within our society. It is unacceptable that customers have to endure such issues due to the limitations of its computer systems. In addition to it, the customers do not have the ability to call and have this problem resolved but have to spend the time sending a letter to address something that the company should have addressed when they decided to take on the servicing of loans from a wide range of ethnic groups. It is absolutely appalling that its ability to enter customer names still follows the XXXX naming convention.

I believe it is important for CFPB to take immediate action to address this issue and ensure that RoundPoint 's computer systems can properly recognize and handle all ethnic names. It is essential that its systems are designed with inclusivity and sensitivity to the diverse backgrounds of its customers.

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 2023-02-26 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act ( 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-26 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:
I sent four payments starting on XX/XX/XXXX via PayPal. This was on behalf of XXXX XXXX  with the promise that I would be paid money that was in my account. Their domain was XXXX In total I paid over {$40000.00} to XXXX XXXX. I have a copy of all correspondence with them as well. Their website was XXXX, but reopened with a different domain. I sent them money through crypto, so it is unlikely that money can be recovered. The new site, XXXX, has asked for another {$1500.00} with the promise I would be paid {$100000.00}. I have not paid the new site any money. That domain is still active. Additional money was sent through PayPal, which is what I am specifically referencing here. First were three payments of {$950.00} to email address XXXX. Second was a payment of {$2300.00} on XX/XX/XXXX to email address XXXX. I never got any money and was unable to resolve this through PayPal. I have attempted to request the money back from the users, but have not been able to. The email address XXXX has cancelled my request several times. The other email address has failed to respond. PayPal will also not let me send a secure message to the users through the site. If if it possible to recover the other funds, I can provide any and all documentation regarding promises made about payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: MI

Complaint narrative:
Dear Consumer, Financial Protection Bureau, I am writing to file a complaint against Williams and Fudge, a debt collection agency. On XX/XX/2022, I received a phone call from Williams and XXXX, during which they informed me that I did not owe any debt but requested my social security number. A few days later, on XX/XX/2022, Williams and Fudge called me again and claimed that I owed {$5000.00} in debt. 

In response to these calls, on XX/XX/2022, I sent a certified letter to Williams and Fudge denying the debt and requesting verification that the debt is mine. I also requested that they cease all communication with me regarding this debt. 

Despite my request, I have yet to receive verification that the debt is mine. Williams and Fudge has continued to contact me, causing undue stress and harassment.

I believe that Williams and Fudge is in violation of the Fair Debt Collection Practices Act, which requires debt collectors to provide verification of debt when requested. I am therefore filing a complaint with your agency and requesting that you investigate this matter. 

I appreciate your attention to this issue and look forward to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX account # XXXX and XXXX account # 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 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 has reasonable cause to believe that the information is inaccurate.

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 2023-02-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX  account # XXXX and XXXX  account # 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 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation