vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: EQUIFAX, INC.
State: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT 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 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Action I took was go to court and prove this debt wasnt mine, and succeeded. A court appointed judge indemnified me completely from the debt in question. The judge signed the order and I provided this court order document to XXXX, to have the debt removed. They refused and denied my innocence by a judge. More over, XXXX has removed this debt off my name, proving that my case is valid. I executed with them, the exact steps as XXXX. 

I provided the courts with times, text messages, and divorce documents, to settle my case. And was awarded indemnity from the debt. And the debt was then ordered to be paid for or transferred over to, my ex-wife, who was responsible for the secretive credit card purchase, in 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX Balance : {$2300.00} 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 XXXXXX/XX/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 2024-11-26 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
There was an unathorized charge to my paypal account to an unknown person in the amount of {$31.00} I immediately notified paypal and they didnt reverse the transaction and they closed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

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 2024-11-26 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: FL

Complaint narrative:
Upon checking my credit report I recognize fraudulent accounts that Ive disputed recently that still appear on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Hi, After i request the pay off and signed the sale when i got surprised by other payment to HUD, when i looked up the payments from HUD to MR Cooper were never deducted from my loan and, how is that possible paying about {$90.00} for less than 2 years and not showing as deduction from the pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up for a Relationship Checking Account at BMO Bank. After several months, I noticed I was being charged a monthly maintenance fee despite meeting the requirement of maintaining the minimum daily ledger balance. BMO 's website says, " To waive the monthly maintenance fee, you must maintain a minimum daily Ledger Balance of {$10000.00} or more in the account for the previous calendar month or you must meet the {$25000.00} Monthly Combined Balance for the previous calendar month. '' The product disclosure terms also specify that accounts must maintain the minimum daily ledger balance OR meet the monthly combined balance. This also aligns with what I was told verbally by a bank representative ( on the phone ) when I first signed up for the account.

I called BMO Bank to have the fees refunded to my account, but the customer service representative refused, stating that I had to meet both requirements. She confirmed that I had met the minimum daily ledger balance requirement, but said my account did not meet the monthly combined balance requirement, and therefore I was not eligible for a fee waiver. I pointed out that this contradicted what was on BMO 's own website, but she continued to refuse to refund the fees. I asked to have my call escalated to a manager, but she said no one was available. Despite saying that a manager would call me later, I am still waiting to hear back from BMO to resolve my complaint.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
The reporting of accounts from XXXX, XXXX XXXX, and XXXX and the others ive listed in the letter attached continues to be inaccurate, with no substantiation from the companies involved. These errors, which have been disputed but not corrected, indicate that fraudulent data may be contributing to the discrepancies in my credit report. XXXX 's failure to block these accounts, as required by the FCRA, has resulted in a negative impact on my credit score, causing unnecessary financial harm and demonstrating that fraudulent activity is being allowed to persist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grow Credit Inc
State: NY

Complaint narrative:
The reporting of accounts from XXXX, XXXX XXXX, and XXXX and the others ive listed in the letter attached continues to be inaccurate, with no substantiation from the companies involved. These errors, which have been disputed but not corrected, indicate that fraudulent data may be contributing to the discrepancies in my credit report. XXXX 's failure to block these accounts, as required by the FCRA, has resulted in a negative impact on my credit score, causing unnecessary financial harm and demonstrating that fraudulent activity is being allowed to persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Arizona XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Late Payments on Account Request for Verification Alleged Account Number : XXXX Dear Sir or Madam, I am writing regarding the reported late payments on my credit report for the month ( s ) of XXXX, XXXX, XXXX, and XXXX of XXXX and XXXX associated with the above account. I am disputing the accuracy of these late payments and formally requesting verification in accordance with the provisions of the Truth in Lending Act, specifically 15 USC Section 1666 ( b ) and Section 1666 ( a ) ( 2 ).

Under Section 1666 ( b ), a creditor may not report an amount as delinquent to any third party unless the creditor has followed reasonable procedures to ensure that the required information, including a timely mailed or delivered periodic statement, was provided to the me at least 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: CA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it states that a consumer reporting agency can not furnish my account without my written instructions.

15 U.S.C. 1681 c, ( a ) ( 5 ) 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 dates 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I sent 2 different transactions from a different account that was in my girlfriends name ACH transfer they went though fine I made a few purchases thought out the weeks one day went to withdraw what was left to make a large purchase the teller at Wells Fargo branch in XXXX on XXXX XXXX XXXX counting me the money before she finishes her higher up Im guessing manager walks up stops her and they go to the back I assume to discuss this when the teller comes back and tells me sorry she cant help me I leave moments later the account is closed and the funds are gone. I called multiple times always giving the answer that a decision was made and within 60 days I would recieve payment in the mail but that was XX/XX/year> and I still havent got my money {$7200.00}

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I canceled my old phone number and got a new phone number. Before doing this, I logged into XXXX XXXX online banking and paid my bill. However, there was a problem during the transaction and XXXX XXXX could not receive the payment. When I tried to log in to the account again, I could not log in because the old phone number wanted to send a code and I did not realize that my payment was unsuccessful. 

To make up for my mistake, I paid an extra {$4000.00} and paid the next month 's bill early. 
Then I gave it to XXXX but they did not accept it and did not remove the XXXX late payment warning from my 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I canceled my old phone number and got a new phone number. Before doing this, I logged into XXXX XXXX online banking and paid my bill. However, there was a problem during the transaction and XXXX XXXX could not receive the payment. When I tried to log in to the account again, I could not log in because the old phone number wanted to send a code and I did not realize that my payment was unsuccessful. 

To make up for my mistake, I paid an extra {$4000.00} and paid the next month 's bill early. 
Then I gave it to XXXX but they did not accept it and did not remove the 30-day late payment warning from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
On XX/XX/year> I got an email stating the needed a copy of my photo ID, I sent it on XX/XX/year>. They responded on XX/XX/year> That my account has permanently been deactivated and i will not have access to my funds for over 180 days. This is completely illegal, fraudulent and theft. I have a Personal Account, Teen and Business Account with this company VENMO a service of PayPal. I have a total of XXXX dollars and XXXX cents in these accounts that they are withholding. This is wrong and goes against my rights. This is the first step of recovering my legally owned funds before I take legal action against this comapny.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Concerns Regarding Stall Letters from Equifax Dear XXXX, I am writing to express my concerns regarding the recent stall letters I have received from Equifax concerning my credit dispute. I have received three letters indicating that Equifax does not require another dispute unless requested by them. Additionally, these letters mention " erroneous information '' and request supporting documents. 

I believe these stall letters are part of a tactic employed by credit bureaus to delay the dispute process. By asserting that there is insufficient information or documentation, Equifax appears to be shifting the burden back onto me, the consumer. This tactic seems to be designed to reduce the number of disputes that they need to address in a timely manner. Unfortunately, this has resulted in my current dispute with XXXXXXXX XXXX XXXX XXXXXXXX not being investigated. 

I want to make it clear that if I receive another stall letter from Equifax, I will not hesitate to pursue legal action under 15 USC 1681, which outlines Congressional findings related to credit reporting. The continued use of stall tactics is unacceptable, and I am prepared to take all necessary steps to ensure my rights are protected. 

I appreciate your attention to this matter and hope for a resolution that upholds consumer rights and holds credit bureaus accountable for their practices. 

Thank you for your time.

Company response to consumer: Closed with non-monetary relief