vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I received a payoff quote good for that day ( XX/XX/XXXX ) only. I made that amount of payment on their website that day. They did not post the payment. I submitted a request for the payment to be posted and no one ever e mailed me back. I then called on Monday XX/XX/XXXX and was told that the same day payoff amount was not valid. They are currently holding the XX/XX/XXXX payment of XXXX and the rep refused to apply it to my balance. I want it applied and dated for XX/XX/XXXX. 

She then said she would order a formal payoff and I could pay off the loan by certified funds once I received the payoff. Which I have not received yet. She then said they would not apply my payment for the date they received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: PA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was reviewing my credit report and noticed that I had several collections and hard inquires that weren't mine

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Can you update my address and name on 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 explanation
Consumer complaint received 2024-06-26 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: AR

Complaint narrative:
According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report solely under the specified circumstances : " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' However, neither the financial institution nor the consumer reporting agencies, including Equifax, XXXX, and XXXX, possess my consent to disclose this information, as I have not provided written authorization. If there were written authorization, I can only presume it was forged, raising concerns of identity theft. 

Moreover, 15 USC 6802 ( b ) ( c ) highlights that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Nevertheless, Furnishers of information to credit agencies failed to inform me of my right to exercise my nondisclosure option. 

Account Name : XXXX XXXX Account Number : XXXX As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I sent the company a cease and desist from all mediums of communication on XX/XX/XXXX and they are continuing to report on my private personal credit report breaking the desist. I requested it because they claim I owe them a debt and they have not provided a contract with me and you on a contract together. I'm not aware of any contract of such.

Given your agencys history, notably the XXXX lawsuit by the Consumer Financial Protection Bureau ( CFPB ) against Fair Collections & Outsourcing and its CEO, XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), I am particularly vigilant about your collection practices. The lawsuit, which resulted in an {$850000.00} civil penalty and mandated corrective policies to prevent future violations, highlights the need for strict adherence to legal standards in your operations.

I requested information that they claim we have made a transaction together and they have created an account without my written. So I need proof of claim UCC 9-210, full authenticated accounting for this account that I opened with this debt collector.

1. A full accounting per GAAP, including a certified accounting ledger.

2. W 9 form for IRS tax purposes filled out by a corporate officer and all parties involved 3. A true and certified copy ( not a photocopy ) of the Original Note ( Credit Agreement ) accompanied by a statement under penalty of perjury confirming the non-sale of this Note.

4. Any and all relevant tax documents ( e.g., XXXX, XXXX, XXXX, XXXX ). 
5. Details of any additional documents relevant to the disputed charge-off.

6. Mail a bill or coupon to remit for payment 7. Mail your bond and license information to collect debt Fair credit has failed to provide the requested documentation within the specified timeframe which has lead to the following conditions : 1. That the debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages suffered, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You agree to pay all fee schedules.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNT REPORTING

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 2024-06-26 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: NY

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

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 2024-06-26 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I am writing to formally dispute unauthorized transactions on my XXXX online account, which occurred on XX/XX/2024. My account was hacked, and the perpetrator used my Chase business card, saved on file, to purchase XXXX {$25.00} gift cards. Subsequently, the hacker deleted my saved credit card and added their own, receiving the payouts from these transactions. I have a screenshot of the credit card information that is not associated with our business. 

Our company is based in Utah, and all our transactions, including billing addresses and credit cards, are within the state. The fraudulent credit card information indicates a California name and address, which clearly does not align with our business operations. Furthermore, we have never purchased any credits from the XXXX store ; our only purchase is an annual subscription to XXXX XXXX. 

I noticed these charges on XX/XX/2024, and immediately contacted Chase. They reversed the charges and issued new credit cards. I also changed all my passwords to secure my accounts. However, I received a letter from Chase dated XX/XX/2024, stating they found the charges to be valid. This conclusion is perplexing as Chase did not contact me to discuss the incident or request any supporting documentation at the time of my initial report. 

I urge you to reconsider this matter and review the evidence provided. It is clear these charges are fraudulent and not authorized by our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: VA

Complaint narrative:
The credit bureau is reporting information on my credit report that is inaccurate, incomplete and incorrect. I beleive this to be a violation of the FCRA and FDCPA and Metro 2 compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-06-26 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-06-26 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: PA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ XXXX XXXX XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I visited the bank 's ATM and made XXXX separate cash deposits. The first deposit of {$200.00} was successfully processed. However, during the second deposit attempt for {$1600.00}, I noticed an error in the displayed amount and decided to cancel the transaction. 

Upon cancellation, the ATM only returned {$410.00} to me, rather than the full {$1600.00} that was originally inserted. I immediately went to the branch that operated the ATM and explained the situation to the branch manager. The manager checked the ATM and confirmed there was {$1800.00} in excess cash, but stated that since the ATM and branch were under separate jurisdictions, they could not directly refund the missing {$1200.00}.

I was advised to file a formal complaint with the bank 's customer service department and promptly contacted customer service, provided all the details, and was given a case number. They were told the issue would be resolved within approximately 10 business days. 

Over the next several days, I followed up with customer service multiple times to check on the status ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), but was met with little progress and continued to be told to wait for a resolution. The case was transferred to a different department, and I had to re-explain the situation and was assigned a new case number. 

As of XXXX XXXX XXXX business days after the initial complaint, I was informed that an additional 10 business days would be required to resolve the issue. Frustrated by the slow response, I requested to speak directly with a supervisor, but was told that would take an additional 2 business days. 

Name of the Bank : Wells Fargo Bank Branch : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Branch Manager : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: TN

Complaint narrative:
This account was included in my XXXX XXXX XXXX conversion but they have refused to fix the balance on my credit report instead they have continued to report a balance. This has hurt my credit and needs to be rectified.

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 2024-06-26 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: TN

Complaint narrative:
This account was included in my XXXX XXXX XXXX XXXX but they have refused to fix the balance on my credit report instead they have continued to report a balance. This has hurt my credit and needs to be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: TN

Complaint narrative:
This account was included in my XXXX XXXX XXXX XXXX but they have refused to fix the balance on my credit report instead they have continued to report a balance. This has hurt my credit and needs to be rectified.

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 2024-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX of this year a user online agreed to sell an anime figure to me. After XXXX weeks of asking for an update, I got ignored and when i asked for a refund I was blocked on every social media platform from them. I reported it to my bank but 90 days later they decided to side with the " merchant. '' When I asked who was the merchant, paypal or the scammer the bank insisted they didn't know, and took back my credited money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Debt collection agency is stressing me with lawsuits and certified mail. I am XXXX  and XXXX  I had tried to contact them to verify no contact response has been made with evidence proving I did transactions or debt. need to know what identification was used when credit was issued to whom and what address. I do not go shopping because I am disable and do not have any income expect XXXX which i can not barely live off of and I am on a fixed income need help I am being harassed after hours and XXXX hours outside normal business hours and threaten with legal action just because I request evidence of me owning debt. it is retaliation due to me asking question because I have no recollection of debt and am a victim of identity theft

Company response to consumer: Closed with non-monetary relief