vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately I had XXXX late payments on a account XXXX  account number XXXX that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following XXXX. I'm now requesting you investigate this account and update these payments to paid on time and never late immediately, thank you for your understanding and prompt action.

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 2024-04-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
It states over {$16000.00} is owed and on late payment but I have no payment due to loan forgiveness program. This has dropped my credit score down significantly and now I cant get approved for an apartment to shelter my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo Bank sold my mortgage while it was in foreclosure to XXXX XXXXXXXX XXXX XXXX they were paid by this company for the loan then they ( XXXX XXXX XXXX XXXX ) turned around forced me out of my house and I had no contract with them that is why I never went to court because the court hearing was regarding me & XXXX XXXX XXXX XXXX & not Wells Fargo mortgage although Wells Fargo started the foreclosure process Wells Fargo got paid from XXXX XXXX XXXX XXXX  for the house so they're paid off according to the fair debt collection practices act ( fdcpa ) I have proof that they ( WFHM ) did not apply my payments according to Wells Fargo 's own mortgage activity statements that I received from them I have proof that they did not apply any of those payments a lot of them were not applied and this is probably why I was thrown into foreclosure and it looked like I was not paying the taxes

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 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-04-26 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial stemming back to XXXX This is account of as charged off back in 2018 and I had ( 2 ) accounts. One for a personal and business vehicles : Ive been in communication with them and their 3rd party collection company that I believe the sold the account to because Ally will not speak to me on the phone because the account is with XXXX yet Ally Financial is the one that is reporting negative information on my credit reports. 

Ally Financial was sued and a few years ago for the same reasons they show I owe $ XXXX on a repo. I asked for them to provide proof, never received anything. 

Ive disputed some several times over the years and provided my emails and conversations that I had with their team member that advised that this account should have be cleared like my personal account It never was and in speaking to their 3rd party collection company they say they can not do anything about it. 

However how can Ally Financiak report this as negative when they are not servicing the account and 3rd party is. 

I recently disputed it again and they changed comments and updated balance due date which dropped my credit my XXXX points. How can this be charged off already from XXXX, affected my credit back then, how can the same negative account affect my credit score for a second time.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out to bring to your attention the fraudulent personal information associated with my identity. Numerous accounts and transactions have been erroneously linked to me without my consent or knowledge, leading to significant distress and alarm. Regrettably, I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is imperative to address this issue swiftly, as it has adversely affected both my financial stability and personal integrity. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and initiating a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal recourse to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is greatly appreciated.

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 2024-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
CFPB Complaint and Dispute Letter with Portfolio Recovery Agency XXXX XXXX XXXX XXXX XXXX, XXXX, Louisiana XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, WA XXXX RE : Complaint and Dispute Regarding Portfolio Recovery Associates Dear CFPB, I am writing to file a complaint and dispute against Portfolio Recovery Associates ( PRA ) regarding a debt they are attempting to collect from me. I am disputing the validity of this debt and I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter. 
Dispute of Debt I am disputing any and all claims made by Portfolio Recovery Associates that I owe them a debt. I have no knowledge of or responsibility for this alleged debt.

Revocation of Communication Rights I hereby revoke all of Portfolio Recovery Associates ' rights to communicate with me regarding this alleged debt via email, text message, or phone call. All future communication must be done in writing and sent to the address listed above. 
Request for Debt Validation According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a debt validation notice that details the amount of the debt, the name of the original creditor, and the date the debt was incurred. I request that Portfolio Recovery Associates provide me with a complete and accurate debt validation notice as soon as possible. 
Request for Purchase Agreement I also request a copy of the purchase agreement between Portfolio Recovery Associates and the original creditor for this alleged debt. This document will help me to determine the legitimacy of the debt claim. 
Request for Proof of Licensure and Bonding Furthermore, I request that Portfolio Recovery Associates furnish me with proof of their licensure and bonding to collect debts in my state. 
I am concerned that Portfolio Recovery Associates may be violating the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that I do not owe. I request that the CFPB investigate this matter and take appropriate action against Portfolio Recovery Associates if necessary. 
Thank you for your time and attention to this matter. I look forward to your response and the resolution of this complaint. 

Sincerely, XXXX XXXX XXXX ( ID and PROOF )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately I had several late payments on a account XXXX XXXX # XXXX that I was in fact paid on time the Transunion and XXXX do not match. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following XXXX, I'm now requesting you investigate this account and update these payments to paid on time and never late immediately, thank you for your understanding and prompt action.

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 2024-04-26 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: WI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$250000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260000.00}

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 2024-04-26 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: Ava Finance, Inc
State: MI

Complaint narrative:
Open checking my credit reports in XX/XX/year> I found Ava finance and several other fraudulent accounts are being unfairly reported on my credit report. I never gave this account any permission to run my credit or use my credit. I demand that they discontinue furnishing this information as it is violating my credit laws accord to the Truth and lender act and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$91.00} and list of Inquiries. 

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 2024-04-26 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: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$91.00} and list of Inquiries. 

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 explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 always pay on time ; I am sure of this. However, what I am not sure about is why this company is reporting me as late in certain months, which should not occur. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
1. credit card was stolen or lost, and about hundreds charges about {$7300.00} from XXXX to XX/XX/XXXX was charged in my American express XXXX. 
2. Card was barely used by us and we set up monthly automatic payment so I didn't find out card was lost or stolen until XX/XX/XXXX. 
3. XX/XX/XXXX, once we found those unauthorized charges, we immediately notify Amex, we were told no worries, Amex will refund us. 
4.Amex disputed some charges successfully within 1 week and the balance was about {$4600.00} after that, but no update after 3-5 months 5.We filed a policy report in policy department on XX/XX/XXXX, and detective took the bank statement for investigation, she checked many stores where card was used, and in the videos, neither me nor family member was there and she was able to find the same suspect. Report is attached 6.three months after we notified AMex, XX/XX/XXXX, card was charged late fee {$39.00} and interest fee {$110.00}, contact Amex, no resolution and no notification about the result of fraud case, one time chatting and call, was told case still open. To avoid further charges and interest we paid off the balance and other fees etc. 
6.Someday XX/XX/XXXX, finally one rep let us know case was rejected and we found an email XX/XX/XXXX in spam email saying case was rejected " According to documented company records, you advised us that the true Card Member is using the Card. This action is not considered fraud so we are closing this case. ", which the reason is not true. We didn't advise that and Policy report can prove it. 
7.We requested reopen the case, and XX/XX/XXXX Amex asked for charge details and statements in a mail letter, and we received the letter, and submitted the document successfully. 
8.XXXX XXXX XXXX, we missed a call from Amex, we thought it was fraud initially, but we called back, nobody answered. 
9. There was some credits showing in the card, total about {$1300.00} 10.XXXX XXXX XXXX, we contacted Amex via chat, and rep told us case was rejected again because we failed to answer questions which was sent vial email to another email address, which was not true after I confirmed with AMEX fraud team via call after that. 
10.We contacted Amex MANY times vial call and chat past 6 months, and was told wrong information, and amex is not protecting credit card holder also not efficient on dealing with dispute charges. also charge late fee and interest when the case was not closed nor notify us the status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
I sold XXXXXXXX XXXX at Umpqua bank XXXX Oregon on XXXX XXXX and was only given XXXX XXXX dollars. The correct exchange rate would equal approximately {$6100.00}, this was on XX/XX/2024. I can provide a receipt from the bank if needed showing all information.

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 2024-04-26 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: FL

Complaint narrative:
FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit 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 explanation