vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-03-19 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: CA

Complaint narrative:
I have spent months disputing XXXX charge-off accounts fraudulently reported by XXXX XXXX XXXXXXXX and XXXX XXXX , which do not belong to me and are illegally being reported on my XXXX report as well as my Experian report. However, XXXX has deleted both items as the creditors reporting on the reports asked for it to be removed as it is fraudulent and illegally being reported and was a clear case of identity theft. I have submitted countless documents as supporting documentation including an approved police report, an affidavit, an identity theft FTC report, along with proof of identity with a valid government issued photo ID along with a social security card/passport over multiple disputes. I have asked for method of verification that XXXX is using to validate the debt and keep furnishing information that is not mine and is ALREADY DELETED BY XXXX, which i will provide as such as I pulled my most recent XXXX report yesterday, XX/XX/2024 so it as recent as possible. The reports between XXXX, XXXX, and Experian are almost identical outside of the two charge-offs being reported on XXXX and Experian and not on XXXX, which did the correct thing and deleted a wrongful, fraudulent account from my XXXX consumer report. I will provide proof that XXXX does not show the charge-offs and have been removed and I ask thst CFPB either make XXXX provide me complete documentation of every person they spoke with at XXXX XXXX XXXXXXXX and XXXXXXXX XXXX and when along with paperwork provided with original contract, wet-ink signature, proof of IP address of application, and correspondence sent through the many months of dispute process that I received at the proper current address via certified mail or return receipt with signature proving I received any such correspondence of the debt or the requested information. XXXX could not obtain such information from XXXX XXXX XXXXXXXX and XXXX XXXX  and deleted the charge-off accounts from my credit report, I ask the CFPB do ensure XXXX does the same as I know they can not provide that information without lying. HOW CAN XXXX DELETE AN ITEM AND XXXX CONTINUE REPORTING THE SAME EXACT CHARGE-OFF ACCOUNTS?? THaAT IS ILLEGAL. They might not share information, but they are required to follow laws and report the same information otherwise somebody, somewhere is lying and I will not tolerate 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 explanation
Consumer complaint received 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-03-18 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: GA

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Paypal has allowed my account to be taken over and there is a cash balance due, preventing me from cancelling their service. In addition, one credit card on my PayPal account has been closed for " XXXX XXXX '' and I had to close the other due to fraud. Paypal will not allow me to remove either card. I merely used this account in my online wallet because I thought it would protect my credit cards from fraud. I never used this as a place to hold ever. There is a bill for {$19.00} due for what I don't know and the only way to clear it is with bitcoin, gift cards or cash (? ). Paypal stores so much personal information that this is very worrisome. I went through identity theft in XXXX and my identity was used to file taxes in XXXX and XXXX. I don't want to go through this again. Paypal also contained XXXX on their website and I am unable to remove this account both from Paypal and from The XXXX XXXX. The XXXX XXXX is an online consignment shop that offers to pay commissions from sales on XXXX through XXXX. What they don't tell you in the fine print is that you have to provide your personal information as well as a link to your bank account for the service. All of these companies have their processing sites offshore, which is just asking for identity theft. Paypal claims that they take privacy seriously so that must be why they never answer their phone or respond to requests for help. The XXXX XXXX has retained my bank account and refuses to remove it and the access to XXXX. I let my bank know that there was fraud on my account through them and XXXX is not allowing any further transactions from XXXX to go through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has come to my attention that there are errors on my credit report. The account number XXXX XXXX XXXX XXXX amount XXXX usd. I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXX Vs XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. 
That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.

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 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
They set up an invalid escrow account and applied all my mortgage payments to the invalid escrow account. 

They were notified that I had insurance repeatedly, but they kept paying a second insurance payment for me and ignored the one I had. 

They refused to work with me no matter how many times I reached out, they kept telling me they were " helping me ''. 

Stealing from me yes, helping me no.

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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: IL

Complaint narrative:
We've purchased from XXXX a shower door, on XX/XX/XXXX, and the shipping was included in the price, we have a prove for it on the XXXX account. The XXXX seller is " XXXX XXXX XXXX  '', XXXX # XXXX. After that, on XX/XX/XXXX we've received a statement from " XXXX '' telling us that we owe XXXX {$82.00} for shipping, one of these statement photo is attached. XXXX never does this kind of business, having XXXX sending separate bills to their customers. If there is a shipping cost, it is charged at time of the purchase, not later on. We've contacted XXXX and asked them if this is a real statement but they couldn't find the account number on the statement and told us not to worry about it. We've also contacted the seller thru XXXX multiple times and they weren't able to resolve the issue so far. All communication to the seller is recorded on our XXXX account. Starting from XXXX we've received XXXX statements from a dept collector R.M.S for the amount of {$1400.00}. We've been informing the seller multiple times about these statements, so far no resolution from their side. Not sure what the issue is here. Not sure if these statements are real or a scam. It is very annoying.

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 2024-03-19 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: EMCC Holdings, LLC
State: MD

Complaint narrative:
I have noticed some unauthorized and fraudulent inquiries on my credit report. 

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 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: NY

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 non-monetary relief
Consumer complaint received 2024-03-18 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: GA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: GA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
My card didn't work

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom it May Concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTHXXXX XXXX. MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent utility bill for verification purposes, as required by the FCRA. Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

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 2024-03-19 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: DE

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2024-03-19 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: DE

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: WI

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX  Synchrony bank mattress firm I am writing to express my frustration with the recurring interest rate charge on my account. Despite having only 10 days left on my payment plan, I have been charged an additional {$990.00} in interest on at {$1600.00} purchase from 24 month XXXX interested plan I believe this charge is unfair and I am disappointed that your company would take advantage of a loyal customer in this way. I have always made my payments on time and have never missed a deadline. 

I am requesting that you waive this interest charge and adjust my account accordingly. I would appreciate a prompt resolution to this matter as I am eager to complete my payment plan and move forward. 

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 monetary relief
Consumer complaint received 2024-03-19 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: IL

Complaint narrative:
Upon reviewing my quarterly credit report, I've observed that my charge off with XXXX XXXX still maintains a balance. Further investigation revealed that when an account is charged off with XXXX, XXXX, and Equifax, it should indicate a XXXX balance. Since this debt has been officially written off, I kindly ask for your cooperation in updating the balance to {$0.00} with XXXX, XXXX, Equifax, and XXXX XXXX. It is incorrectly effecting Debt to Income Ratio ( DTI ). 

Additionally, I have made multiple requests to XXXX XXXX for a 1099-C, as required by the IRS when a debt of {$600.00} or more is charged off. Despite this, I have yet to receive the necessary documentation. Furthermore, I've requested a comprehensive payment history leading up to the debt 's write-off, as well as a copy of the terms and conditions at the time of charge off. 

Your prompt attention to these matters would be greatly appreciated.

Company response to consumer: Closed with explanation