vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 2024-08-12 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: CA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX  score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: NJ

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Dear Sir or Madam : I spoke with XXXX XXXX today and he denies that the {$26000.00} balance has been paid to his bank account. Please provide proof of your assertion that he was thusly paid by Pay Pal. 


Thank You, XXXX XXXX From : PayPal Customer Support Print Payment on hold or pending XX/XX/XXXX at XXXX XXXX Dear XXXX XXXX, Thanks for contacting PayPal my name is XXXX and I will be glad to assist you today. 

I am really sorry for the inconvenience the issue has caused. 

Upon checking your account I can see there is no such transaction received to this account. However as I can see on the email you shared - XXXX, the funds were withdrawan to his bank account and it was completed and not transferred to you. 

So kindly I request you to please contact them and check with them. 

Thank you for contacting PayPal and for being a valued customer. 

Sincerely, XXXX PayPal Account specialist Copyright XXXX PayPal. All rights reserves XXXX XXXX From : XXXX To : XXXX XXXX Sun, XX/XX/XXXX at XXXXXXXX XXXX Dear Sir or Madam : My name is XXXX XXXX ( XXXX ), and my PayPal account is now on hold. I have been assisting XXXX XXXX ( XXXX ) for many months, and during that time he has accrued a {$26000.00} balance of my money on hold in his PayPal account. We were told by PayPal customer service that we needed to make a three-way telephone call, from the same location, to remove the hold and return the funds to me. Unfortunately, he has been unable to visit me to make such a call. With the limitation of both his account and mine on XX/XX/XXXX, he phoned PayPal customer service to ask about the balance on hold. He was told that {$26000.00} had been transferred to my account. As of now the balance of my account remains {$0.00}. 

At your earliest convenience, please advise me when the funds will be returned to me. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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:
Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XX/XX/2024 Amount : {$5300.00} I have previously disputed the accuracy of this charge off account with XXXX and provided evidence that the information is inaccurate. However, XXXX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: VA

Complaint narrative:
This account is from XXXX XXXX the original creditor it was paid and closed and transferred/sold to XXXX XXXX XXXX XXXXXXXX once XXXX XXXX XXXX XXXXXXXX got the account they started to illegally report to all the consumer reporting agency that the account had a balance and falsely reported that I made a payment on XXXX XXXX which I never did they said it came from a secured account but the account listed as an unsecured on XXXX by XXXXXXXX XXXX XXXX XXXXXXXX and the next inacurassie is XXXX reported it as paid and never late transferred /sold with no balance remaining XXXX XXXX XXXX XXXX listed as a balance due that another violation and its also listed as a collection charge off with a past due balance and the final inaccuracy is where did this remaking balance come from if XXXX XXXX the original creditor listed it as paid enclosed is a copy of how it is being reported on XXXX there are several inaccuracies and according to the fcra I am afforded a fair and accurate and verifiable consumer report and I am not getting that with XXXX and this account being reported wrong

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 2024-08-12 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: VA

Complaint narrative:
This account is from XXXX XXXX the original creditor it was paid and closed and transferred/sold to XXXX XXXX XXXX XXXXXXXX once XXXXXXXX XXXX XXXX XXXXXXXX got the account they started to illegally report to all the consumer reporting agency that the account had a balance and falsely reported that I made a payment on XXXX XXXX which I never did they said it came from a secured account but the account listed as an unsecured on XXXX by XXXXXXXX XXXX XXXX XXXXXXXX and the next inacurassie is XXXX reported it as paid and never late transferred /sold with no balance remaining XXXX XXXX XXXX XXXX listed as a balance due that another violation and its also listed as a collection charge off with a past due balance and the final inaccuracy is where did this remaking balance come from if XXXX XXXX the original creditor listed it as paid enclosed is a copy of how it is being reported on XXXX there are several inaccuracies and according to the fcra I am afforded a fair and accurate and verifiable consumer report and I am not getting that with XXXX and this account being reported wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
n 2017, I held an account with Wells Fargo. The account incurred numerous fees, including NSF charges, which eventually led me to close it during a period of financial difficulty. Subsequently, I filed for bankruptcy due to insufficient funds. I believe that the excessive fees levied by Wells Fargo were unreasonable and contributed to my financial hardship. 

After reading online, I saw that the CFPB had filed a suit against Wells Fargo for the mishandling of customer accounts, and I believe I am one of those customers. Hence, I should be compensated for the times that I was charged wrongfully for fees.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am requesting the removal of these collections from my credit report, as they are negatively impacting my credit score. I am uncertain why this issue was not resolved when I previously requested removal a few months ago. Please take immediate action to remove the inaccurate information from my credit file. Thank you.

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 2024-08-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$5300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information 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 2024-08-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX Account Number:XXXX Date of Charge Off : XX/XX/year> Amount : {$5300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information 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 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
a credit card statement I received from Bank Of America for which I do not own. I have no accounts with them. I tried to call them using a web site number but the wanted my full ssn

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 2024-08-12 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
Company has been reporting late payments and missed payments on my credit since XXXX, It is now XXXX, I explained that this has put me in a hardship far as finances and living situations but they stated they dont care. And will. 
Continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-12 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
It's a XXXX credit card account. It's a general retail store. I opened an account with them some years ago and whenever I would make a payment, it was withheld until the due date passed so a late fee balance could be incurred on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning

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 2024-08-12 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: 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 u.s.c. 1681 Account Name... XXXX XXXX XXXX XXXX  .... Account # XXXX Account name... XXXX XXXX XXXX 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 an account without my written instructions...

15 u.s.c 1681 C. ( A ) ( 5 ) section states : no consumer report 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: MO

Complaint narrative:
I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report, which persists despite my repeated efforts to resolve it. The presence of these unauthorized items has had a profound negative impact on my life, causing considerable distress and anxiety. I must emphasize that, as a victim of identity theft, I never authorized or consented to the association of this information with my name. 

Be advised that I am in the process of initiating legal proceedings regarding the fraudulent and inaccurate items currently appearing on my consumer reports. I formally demand that you take immediate action to update, delete, and block these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: 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 u.s.c. 1681 Account Name... XXXXXXXX XXXX XXXX XXXX .... Account # XXXX Account name... XXXX XXXX XXXX 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 an account without my written instructions...

15 u.s.c 1681 C. ( A ) ( 5 ) section states : no consumer report 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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