vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: MD

Complaint narrative:
I am writing to express my serious concern about the disputed accounts on my credit report. I have repeatedly highlighted the inaccuracies in these accounts and requested a thorough investigation, but despite my efforts, the issue remains unresolved. These incorrect entries are significantly damaging my credit file and severely affecting my ability to maintain a normal life. The hardships caused by these errors are immense, and I am left with no option but to seek your urgent help in resolving this matter. 

I kindly ask that you conduct a comprehensive investigation into each of these disputed accounts and take the necessary steps to update and correct my credit report without further delay. Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial well-being. I sincerely urge you to treat this matter with the utmost importance and take swift action. 

Your prompt attention and support in resolving this issue 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 explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of XXXX. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of XXXX. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
*The numbers link to the attached pdf of emails. 

On XX/XX/year>, my XXXX account was suspended due to " unusual activity '' linked to my account, as mentioned in an email from XXXX ( XXXX # XXXX ) ( 6 ) ( 2 ). I was asked to provide a picture of my photo identification, which I submitted via their Document Upload Form ( 6 ). Despite complying with their request, my account has remained frozen, and I have been unable to access or withdraw the funds in my account for over XXXX months. 

Since then, I have contacted XXXX multiple times to resolve this issue, including via chat sessions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ( 3 ) ( 5 ) ( 4 ) ( 2 ). In each case, I was informed that my case was being forwarded to a XXXX team, but I have not received any substantive updates or resolution. 

On XX/XX/year>, I received an email stating that XXXX could not provide any further information about why my account remains frozen and that my funds are still unavailable for transfer ( 1 ). 

This ongoing lack of communication and the indefinite freezing of my account has caused significant frustration and concern. I am seeking assistance to regain access to the funds in my XXXX account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I noticed unauthorized accounts.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX card from a XXXXXXXX XXXX on XX/XX/year> with a balance of {$500.00}. Within XXXX minutes of purchasing the card, I realized a set of XXXX digits were scratched off from the front of the card. While the card was within XXXX minutes of the merchant activation period, I contacted customer service, which blocked access to funds. The agent told me the case would be resolved in XXXX to XXXX days, if not in XXXX days. I sent them the proof of purchase and pictures from the front and back of the card on XX/XX/year> and requested a refund for the balance and the activation fee of {$500.00} total. According to their website and their agents, the case was set to be resolved by sending the refund check to me by XX/XX/year>, but there has been no action on their side. They have escalated the case twice since then, but it was of no remedy. My case number with them is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: RI

Complaint narrative:
Was charged XXXX times for the exact same amount in XXXX day by the same merchant. Current denied dispute citing another undisputed purchase with this merchant. I did not authorize XXXX transactions for XXXX occurring within XXXX minutes of each other back to back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: MA

Complaint narrative:
I need a valid proof of the debts and never received

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint against Affirm , Inc. regarding their reporting of inaccurate and misleading information to the credit reporting agencies. Specifically, Affirm has reported the above-mentioned accounts as " charged off '' with written-off amounts, which is erroneous and has caused significant damage to my credit profile. 

Details of the Dispute : Inaccurate Reporting : Affirm , Inc. has reported both accounts [ XXXX ] and [ XXXX ] as " charged off '' with written-off amounts, despite the fact that these accounts were not accurately reflected in my payment history or balance status. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Affirm , Inc. has violated the FCRA by failing to report accurate and complete information to the credit reporting agencies. This has resulted in damage to my credit score and has hindered my ability to obtain credit. 

Failure to Correct Information : Despite my efforts to resolve this issue directly with Affirm , Inc., the company has not taken the necessary steps to correct the inaccurate information. I have disputed this information, but Affirm has failed to adequately investigate or correct the inaccuracies. 

Legal Precedent : According to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 1997 ), creditors are legally obligated to ensure the accuracy of the information they report. Affirms negligence in fulfilling this obligation may make them liable for damages under the FCRA. 

Requested Resolution : I request that the CFPB take the following actions : Immediate Investigation : Initiate an investigation into Affirm, Inc.s practices regarding their reporting to credit agencies. 

Correction of Inaccuracies : Require Affirm to correct the inaccurate information on my credit report immediately. 

Ensure Compliance : Enforce compliance with the FCRA by Affirm , Inc., and ensure that such errors do not occur in the future. 

Compensation : Consider the imposition of penalties and damages against Affirm for the harm caused by their inaccurate reporting. 

Supporting Documents : I have attached a copy of my dispute letter to Affirm , Inc., and a copy of my credit report showing the disputed items. 

Conclusion : The actions of Affirm, Inc. have caused undue stress and financial hardship. I seek the CFPBs assistance in rectifying this situation and ensuring that Affirm complies with federal laws governing credit reporting. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: Experian Information Solutions Inc.
State: FL

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 XXXX 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 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/2024 bank card application is pending from debit card XXXX XXXX XXXX. That's unacceptable. I'm illiterate, and that is not a XXXX name format. My XXXX XXXX name is a bank card ledgered credit account of liability communism.

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 2024-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX XXXX RE : XXXX XXXX XXXX XXXX, CA XXXX LOAN # XXXX I purchased the above referenced home XXXX years ago for {$650000.00}, my husband and I have built XXXX other homes on the same property ( same Parcel ) making a total of XXXX units ( individual structures ) that is now appraised well over {>= $1,000,000}. We have been working with Shellpoint mtg for several months in order to remove our private mortgage insurance ( PMI ). Unfortunately, Shellpoint has repeatedly denied our request stating we need over 20 % equity. To argue this statement we have asked shellpoint to conduct an appraisal of the property which will show that we have well over 20 %. We are happy to pay for the appraisal. This request has also been ignored once again despite several attempts. At this point we do not know what else to and have decided to turn to CFPB to seek assistance. 
We no longer want to pay the additional $ XXXX for the PMI and need ShellPoint Mortgage to treat us fairly. 

Thank you in advance for your assistance in this matter. 

Sincearly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: AL

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX 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 XXXX  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 XXXX 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

Your agency is in violation! 
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 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not affiliated with these inquiries or the creditors mentioned.

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