vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
For about a year, auto payments and full extra payments were sent to our second mortgage. I spoke with XXXX at Wells Fargo Home Mortgage today - XX/XX/year> - about having my overpayments refunded to me. She was only willing to refund 3 of the 9 months of overpayments to my account and stated the rest of the overpayments were too old and had been sent to the mortgage owners to invest because they were over 60 days old. Not only are they withholding my payments from being applied to my loan balance, as well as refusing to refund me the extra money, they are making money off of my overpayments that I at least expected would be applied to my balance. 

I called and requested a refund about 6 months ago and was told the same information. I also asked if I could pause my auto pays but was told I could only do that for a couple of months and that if I stopped them any longer, I would have to resubmit all the paperwork and a new voided check AGAIN to re-start auto pay. I don't have checks anymore and I don't know anyone who does. They are deliberately making things harder for me to get my money or a credit to my principal balance. I would be happy with one or the other but instead they are holding on to my money and THEY are making money off of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Please see attached cease and desist letter that was sent to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/year> for them to cease and desist as I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and demanded that they cease all communication with me regarding this matter, except as allowed by law. I also demanded that they cease and desist any and all collection activity under the law as well. As of date, PORTFOLIO RECOVERY ASSOCIATES continues to report this on my credit report in violation of applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 1. THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX  ) ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Special Financing Company, LLC
State: TN

Complaint narrative:
The company XXXX promised that it had the resources to invest in real estate with XXXX money down from the investor. I was told that if I didn't have a deal within 6 months of the program, one would be provided.I was also told the company had XXXX funding to help with closing and holding costs. I got none of these things and couldn't move forward with investing. I was told after joining that I had to find my own financing for XXXX ( closing and holding costs ). I told the company 's in-house financing that I lost employment in XXXX and could not continue to make the payments. I asked for a hardship extension, to make lower payments until further notice and was told no. Inspite of having proof I was laid off I was told that's my problem and they still want the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
XX/XX/year> we set up a payment processing account with XXXX  through our business XXXX XXXX account. This account is set up in XXXX. 

We were never given access to our account in XXXX. 

We were forced to request payment reports through email. First, we were informed they could not be provided. Eventually, they did send them but still did not grant access to our XXXX  account. 

In XX/XX/year> the XXXX integration failed multiple times. We were no longer able to process customer refunds. This was extremely problematic. Each time it was resolved- the integration broke down again. 

XX/XX/year> we formally requested access to our XXXX  account. We were denied. We were told we would not be allowed to access our own customer data unless we cancelled our XXXX XXXX account. Other customers who have requested this informed us they were charged {$700.00} to access their payment data upon cancellation and were never provided access to it until that point.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
On XX/XX/year>, I submitted a complaint against Goldman Sachs Bank USA for inaccurate reporting of my account on my credit report. Account XXXX XXXXXXXX is listed as charged off/ profit loss but is still reporting a balance. On XX/XX/year> the company responded and stated that the debt was not charged off for profit loss, which my credit report clearly shows. At this point I am prepared to sue Goldman Sachs Bank USA for statutory damages for fraud and violation of the FCRA if this account is not deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Under the Gramm Leach Bliley Act ( Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) I have the right to opt out of getting my nonpublic information shared with a non-affiliated third party. My rights were violated because I was not provided with an opt out disclosure. As a consumer, I have the right to privacy and the right to opt out of getting my nonpublic information shared with a non-affiliated third party. Therefore, this account should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credi
t reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-19 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: TX

Complaint narrative:
I discovered unauthorized bankruptcies on my consumer report that violate 15 U.S. Code 1681a ( 4 ), specifically regarding consumer privacy rights. As a victim of identity theft, these fraudulent entries represent a serious breach of my personal information, potentially rendering your organization criminally and civilly liable for improper disclosure.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
I have requested that XXXX XXXX Opp Loans stop reporting my information to non-affiliated third parties as well as the credit reporting agencies. I sent them a certified letter ( Tracking Number XXXX ) that was recieved on XX/XX/year>. I have not heard back from them honoring my request and they are still reporting on my credit report. 

I have attached the letter to complaint I am requesting they stop reporting my information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of several fraudulent accounts and inquiries that have appeared on my credit report as a direct result of identity theft stemming from the Equifax data breach of XXXX and other data breaches where my personal information was stolen. As a victim of this breach, I am entitled to protections under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. The fraudulent accounts listed below were opened without my knowledge or consent and must be permanently removed and blocked from my report. 

The following accounts must be removed immediately XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Amount : {$1400.00} Reason for Dispute : Identity theft related to the Equifax data breach. 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXXXXXX Date of Adverse Information : XX/XX/XXXX Amount : {$9400.00} Reason for Dispute : Identity theft related to the Equifax data breach. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Amount : {$570.00} Reason for Dispute : Identity theft related to the Equifax data breach. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Adverse Action : XX/XX/XXXX Amount : {$1100.00} Reason for Dispute : Identity theft related to the Equifax data breach. 

The following Inquiries Must Be Removed : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX  DATE : XX/XX/XXXXXXXX XXXX XXXX  DATE : XX/XX/XXXX I have also provided a letter of proof that I was impacted by the XXXX Equifax data breach, which I obtained from the Equifax Data Breach Settlement website . Additionally, I have included documentation showing that XXXX has already investigated and removed the fraudulent accounts and inquiries from my credit report. Please find this documentation enclosed for your reference. 

In further support of my claim, I have provided the following documents : A copy of the FTC Identity Theft Report ( FTC Report # XXXX ). 
A notarized Affidavit of Identity. 
Proof of identity and address, including a government-issued ID and a bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Subject : Urgent : Discrepancy and Concerns Regarding Account Dear Consumer Financial Bureau : On XX/XX/year>, I received a letter from PayPal stating that my account was closed due to unauthorized activity. The letter mentioned they would be working with XXXX XXXX  regarding fraud liability and notified the credit reporting agencies about the issue. 
However, things have only gotten more confusing from there. I recently received a statement showing that I owe {$31.00}. I have no idea where this bill is coming from or why I would owe anything, as I havent made any purchases through PayPal in quite some time. 
In XXXX, I received another statement, this time indicating a balance of {$63.00}. Yet again, there is no explanation as to why I am being billed. This has left me feeling frustrated and helpless. 
When I attempt to call for assistance, I am directed to an automated bot that is completely unhelpful in addressing my concerns. It is nearly impossible to resolve this issue through their system. 
This situation feels like a scam. In my understanding, receiving a bill would typically imply that Ive agreed to a purchase or service, but I havent authorized anything. 
Any help or guidance you can provide in sorting this out would be greatly appreciated. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief