vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NC

Complaint narrative:
XXXX XX/XX/XXXX {$350.00} XXXX  XXXX XX/XX/XXXX {$780.00} XXXX inquires XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I went to the park with my dog at night and did not notice that I dropped my wallet, which contain multiple credit cards to debit cards and my drivers license. On XX/XX/year> I received a message from Wells Fargo bank, asking if I recognize some transactions. I immediately replied I didnt and called Wells Fargo as well as realized that I did not have my wallet in my bag and therefore froze all of my cards and ordered new ones. I spoke with a Wells Fargo representative on XX/XX/year> Disputing the charges and was provided with a claim number. I did not file a police report because I didnt think I had to since my wallet was not stolen it was lost. I also found one of the numbers for the merchants in which a fraudulent purchase was made and I contact them to let them know that I did not authorize that amount gave them the last four digits of my card and gave them my full name, they found the order with all those identifiers and canceled it, and gave me my money back. I dont know if this affected the investigation, but I needed my money to pay my bills. Despite all of this, I recently received a letter from Wells Fargo bank stating based on the information available to us, we found the charges were made by you or someone who had your permission as a result the ( amount ) temporary credit to your account, will be deducted 10 business days from the date of this letter. I called today to dispute these findings.

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 2024-11-21 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
United auto credit refuse to provide me with 1099C Form cancelation of debt after reposession, charged off/written off asccount name UNITED AUTO CREDIT Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$19000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: VA

Complaint narrative:
I have some dipute results that i cant see and i also cant see a new credit report only a old one that doesnt update. If there is any names or date of birth on my credit report that arent mine i need them removed and also all inquiries that are associated with those names. I will upload drivers license as well.

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 2024-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have a robinhood invest account not a spending account. They suspended that XXXX with no warning or explanation. My investment account was restricted. Can't transfer in or out any of legitimate funds. It's not that their unsettled or anything. It under a review for a reason they won't tell me. I've been transferring funds to akd from the account daily with no issues and them reaping the benefits of the fees they collect each time. Now I wake maoe a few trades and end up loosing and now my accounts restricted. At this point close the account as I requested and just transfer my funds out. I no longer have faith in a bank that won't explain reasons for closing an account. It's feels shady. Now they're saying it can take 4 days. When I have bills due or rent upcoming. I asked for a waiver for late fees since I never initiated this review and the agent just imkept ignoring my request until she hung up on me. Extremely irritated this cam happen with a Bank in a XXXX where they can just take yoye money hut allow yoy to trade under the same while under restriction. Feels like they just wan na close the account and keep thr funds which I feel is illegal. Those were verified funds from my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: Paypal Holdings, Inc
State: OH

Complaint narrative:
There was a charge of {$80.00} on my venmo to XXXX I contacted venmo they said I needed to contact the vendor there is no purchase on my account from XXXX using my venmo card nor on that date they asked me to provide them correspondence which I did stating from Amazon that there are no purchases on my account I gave them screenshots of my request as well as their answer I also sent a request to Amazon verbally to address it with venmo however they can not because there's no purchase on my account they told me I needed to call them and tell them that I have filed XXXX disputes with them and every time I do they tell me they need more information which I do provide I think this is complete XXXX please help me get my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
My credit report has several inquiries that I didnt authorize I was a victim of identity fraud

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 2024-11-21 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: AZ

Complaint narrative:
The company XXXX XXXX has a cease and desist order on their account .XXXX XXXX XXXX XXXXXXXX ID # XXXX confirmed it is there. USC 15 S 1692a ( 2 ) defines communication as means the conveying of information regarding a debt directly or indirectly to any person through any medium.. XXXX XXXX reporting to Equifax is medium of communication. I given them a refusal to pay this debt they charged off exercising my RIGHTS per 15 USC S 1692C section C.

The account is reading as charged off which they are claiming as a profit loss to the IRS but are still reporting a balance of {$710.00} on my credit report which is an illegal practice. I never received a copy of the 1099-C 15 USC S1681a Section 2_excludes my transactions and history from my consumer report. PER 15 USC S 6802 ( B ) ( 1 ) ( a ) ( b ) ( c ) there were never instructions on any letter you sent me for an option to OPT out of any of this information being reported on my consumer report. Therefore my information is being illegally reported without XXXX XXXX the consumer 's consent. Equifax is participating in this illegal practice by allowing a tax income break as an owed balance Ive attached my ID and Bank statements for confirmation. Social XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-11-21 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-11-22 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Inquiry 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 non-monetary relief
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
Previous complaint # XXXX XXXX was completely incorrect. They did not investigate per their response and their supervisor hung up on me. They are not processing my claim as Fraud and keep stating that I " approved '' the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was under the impression that my account was set up with auto-pay for my Capital One account and it did not go through for a very small amount for 60 days leaving serious delinquency on my account. I have never made any late payments on this account and it was a mistake. In accordance with the Fair Credit Reporting Act, the creditor " Capital One '', has violated my rights under 15 USC 1681 section 602 that states I have the right to privacy 15 USC 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request for Removal of Fraud Alert and Correction of Credit File Status Dear TransUnion, I am writing to formally request the removal of the fraud alert and any associated status from my credit file. The specific entries I am requesting to be removed are as follows : Credit File Status : Fraud Victim ( associated with trade ) Report Blocked for Promotional Purposes I believe these entries were added to my credit report erroneously and are no longer necessary. I have taken all necessary steps to secure my credit information and ensure the accuracy of my credit report. 

Please ensure that my name is correctly spelled as XXXX XXXX XXXX, with the correct date of birth XX/XX/year>, and the correct address XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Kindly make sure these are the only name and address that are reporting on my credit report. Additionally, please ensure that both of my jobs are reporting accurately : XXXX 'S XXXX XXXX XXXX and XXXX XXXX XXXX 

Please find enclosed copies of my identification documents and any relevant information supporting my request. I kindly ask that you process this request as soon as possible and provide me with written confirmation once the changes have been made. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2024-11-21 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: Netspend Corporation
State: VA

Complaint narrative:
On XX/XX/2024 my financial institution Netspend allowed someone to hack my account and withdraw {$1400.00} PLUS make XXXX transactions to XXXX totaling {$3200.00}. That evening when I got off work and realized my account had been wiped out of {$4600.00} I immediately jumped on the phone with them. I was on the phone with them for over 2hours. I filed disputes on those transactions and was told that there was nothing that could be done for 10 business days. As of today, the disputes have been closed and Netspend found in my favor. But it gets even better.. Netspend closed my bank accounts this morning stating at risk activity. By doing so : 1- the money I had in my account is no longer accessible.

2- The money they are refunding me will not be immediately. 3- my direct deposit next week from my employer has been impacted and my employer advised it is too late to stop the deposit into the closed account. Per Netspend I have to wait 10 business days to receive the money stol
en, PLUS the money that was already in my account via a check.

Netspend refuses to send me a copy of the documents of the investigation so that I can take it to the proper authorities. Netspend has advised me that I have to wait 10 business days to receive that to my email that they have on file.

Netspend refused to provide me with any information from those reports so that I could use that information when going to the proper authorities. 

Netspend was negligent with handling my account and permitted suspicious transactions to process, leaving me in this financial burden. Netspend has caused undue stress. 

I have filed a claim with the XXXX, and my claim was approved. I want to make sure Netspend does not allow this to happen to any other customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
Experian is showing I have two open student loans. I do not. My loan was transferred from XXXX in XX/XX/2024. I have made multiple attempts with XXXX and Experian to resolve this. I am put on hold for up to 40 minutes with 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 2024-11-21 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: MI

Complaint narrative:
Transunion and XXXX are continuing to report incorrect information and it causing me damages. The account listed as XXXX XXXX Account XXXX XXXXXXXX this account has not been verified as belonging to me. There is no way this account has been verified because they have no access to my private financial information as it would be an extreme violation of my right or privacy. I demand this account be removed or we will have to go into civil litigation too resolve this matter.

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 2024-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
For the past 2 years I have received near daily calls from over 50 different phone numbers in the name of Portfolio Recovery Associates. This is in regards to a debt which at this point is 10 years old and well past the statute of limitations. I have requested on multiple occasions Portfolio Recovery Associates stop calling me however they continue to pull soft credit inquiries on me and resume calls within a few weeks. This company has absolutely no respect for the people they harass. I am constantly adding new phone numbers to my miles long block list on my phone to try and stop the harassment. They do not respond to cease and desist either which I have tried on multiple occasions. They deserve to be thrown in jail for this behavior.

Company response to consumer: Closed with non-monetary relief