vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
In XXXX  my Paypal account was permanently limited for unknown reasons. I had an open paypal credit account with them at the time so I kept it open to pay the account off. I have now paid off the account and pay pal will not remove my information from the site. I have three credit cards and two bank accounts linked to my paypal and they refuse to delete my financial information from their servers. I need my information removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A.
State: NC

Complaint narrative:
In XXXX of XXXX  my house was under foreclosure so to stop the foreclosure I applied for bankruptcy because previously my bank had offered a modification but the only thing they modified was the years added on to my account they never modified a payment or interest they just added 20 years on to the account and started over again I didn't need years added on to my account I need to keep my home and possibly split up the back payments and add them to it or push it to the end of the loan I already owe too many years on it and they also added another {$4000.00} for attorney fees

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: NY

Complaint narrative:
I, XXXX, XXXX XXXX, federally protected consumer, has placed numerous complaints with Experian Information Solutions throughout the year via CFPB about the inaccurate reporting of non-public information.As a federally protected consumer, I have a right to privacy. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft.

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer. 

Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Copy of Experian consumer report Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification )

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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover 's collections representatives continue to deny my experiences, which I know to be true, recorded, and have a witness to. Discover lied many times about not charging off accounts during previous calls, leading me to pay {$9000.00} on a closed account, with an estimated {$11000.00} balance, based on these lies. Now, I find out I could have saved much more had Discover truthfully informed me of their settlement practices. Discover continues to harass me for the {$2100.00} balance without offering a manageable settlement. 

This debt results from Discover 's unethical practice of preying on XXXX XXXX, and Discover continues to show its lack of ethics by lying to consumers. 

Moreover, Discover erroneously reports my account 's closing date to credit bureaus, stating it as " XX/XX/XXXX, '' when it was closed in XXXX of XXXX. I have disputed this and it has still not been corrected. 

I have requested Discover correct my reporting and write off this account, forgiving the current balance. Discover consistently responds by saying the debt is valid and there are no settlement offers. In the most recent response, Discover denied all previous phone calls and information provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX I went to XXXX XXXX store to use the Wells Fargo ATM inside I first went in to deposit {$240.00} then I went back home because I had forgotten {$800.00} that I needed to also deposit. I came back to the XXXX XXXX store to deposit the {$800.00} but when I deposited it only credited me {$600.00} so I called Wells Fargo immediately and let them know what had a accured.. on XXXX XXXX  I was credited the {$200.00} so I was like ok thinking that when they opened the ATM machine those {$200.00} were going to me there.. On XX/XX/year>XXXX  I got a letter stating that they opened up the ATM and they didn't find those {$200.00} so that they were going to take those {$200.00} back. I was upset because I have no reason to lie about the deposit I made I've been with Wells Fargo for 2 or 3 years and haven't had a problem I'm usually always going to that ATM to withdrawal or deposit and haven't had a problem until now.. I told the Wells Fargo associated that the money could of been easily spit out to another customer and the machine will not record that and no one was going to call them if a customer indeed received extra money from the ATM.. I'm a single mom of XXXX currently receiving benefits and I really need my money back.

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 2024-01-29 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: MI

Complaint narrative:
Subject : Urgent Redressal Required : FCRA and Privacy Violations by CRAs and Financial Entities Dear Consumer Financial Protection Bureau, I am writing to seek immediate intervention and redressal for serious breaches of the Fair Credit Reporting Act ( FCRA ) and privacy laws by XXXX, XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. These entities have egregiously violated my consumer rights and federal laws, specifically under 15 USC 1681a 2 ( A ) i ) and 15 U.S. Code 6802. 

FCRA Violations by Credit Reporting Agencies : XXXX, XXXX, and Equifax have failed in their duty to ensure accurate and legal reporting of consumer credit information. This is evident in their handling of unauthorized transactions reported by XXXX XXXX  ( Account Number : XXXX ) and the reporting of a debt sold by XXXX XXXX XXXX  to XXXX XXXX. These actions directly contravene the stipulations of the FCRA, which explicitly excludes reports containing information solely about transactions or experiences between the consumer and the person making the report. 

Illegal Disclosure of Personal Information : Furthermore, the actions of XXXX XXXX  and XXXX XXXX  in disclosing my personal and financial information without my consent or proper notice is a clear violation of 15 U.S. Code 6802. This breach of privacy laws is compounded by the CRAs ' failure to prevent such disclosures from affecting my consumer reports. 

Demand for Immediate Corrective Action : In light of these violations, I, XXXX XXXX, demand that XXXX, XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  take immediate steps to block and delete all inaccurate and unauthorized information from my consumer reports. This action is imperative to comply with the FCRA and protect my legal rights. 

Request for Full Investigation and Compliance : I urge the CFPB to conduct a thorough investigation into these matters. It is essential that these entities not only rectify the current violations but also implement measures to prevent future breaches of consumer protection laws. 

Expectation of Prompt and Lawful Response : As a consumer, I expect a swift and lawful response from all entities involved. The adherence to federal statutes and the protection of consumer rights should be the utmost priority for these organizations. 

Thank you for your attention to this urgent matter. I trust in the Consumer Financial Protection Bureau 's commitment to enforcing consumer rights and anticipate a prompt and effective resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: MS

Complaint narrative:
see attachments

DELETE ALL PERSON INFORMATION FROM MY CREDIT REPORT BESIDES THE FOLLOWINGXXXX XXXX XXXXXXXX XXXX

ADDRESS
XXXX XXXX XXXX XXXX MS 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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Immediate Requirement for Adherence to 605B Provision : Expunction of Incorrect Accounts and Inquiries To Whom It May Concern, In accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ( a ) ( 7 ) ), Colorado Revised Statutes 18-5-902, Colorado Revised Statutes 18-5-903, Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), 15 U.S. Code 1666b, and the Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681c-2 ( a ) ), I hereby formally demand the immediate removal of the following erroneous accounts and all inquiries from my credit report : Accounts Mandated for Immediate Expunction : XXXX ( Account Number : XXXX XXXX XXXX XXXX  ( Account Number # XXXX ) XXXXXXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX - Account Number # XXXXXXXX XXXX XXXX XXXX XXXX ( Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number # XXXX ) XXXX XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX  XXXX Account Number # XXXX ) I trust you will adhere to the 605B provision and promptly delete these accounts and all credit inquiries. Failure to do so will result in severe financial and legal repercussions. 

Sincerely, XXXXXXXX XXXX XXXX CC : Department of Justice CC : Federal Trade Commission

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: CO

Complaint narrative:
Immediate Requirement for Adherence to 605B Provision : Expunction of Incorrect Accounts and Inquiries To Whom It May Concern, In accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ( a ) ( 7 ) ), Colorado Revised Statutes 18-5-902, Colorado Revised Statutes 18-5-903, Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), 15 U.S. Code 1666b, and the Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681c-2 ( a ) ), I hereby formally demand the immediate removal of the following erroneous accounts and all inquiries from my credit report : Accounts Mandated for Immediate Expunction : XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX  ( Account Number # XXXX ) XXXX XXXX XXXX - Account Number # XXXX XXXX XXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX XXXX  ( Account Number # XXXX ) XXXX XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number # XXXX  ) I trust you will adhere to the 605B provision and promptly delete these accounts and all credit inquiries. Failure to do so will result in severe financial and legal repercussions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Department of Justice CC : Federal Trade Commission

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This company is reporting an address that I dont live at. Ive ask to have it removed but they refuse to remove it. According to your law its my right to dispute any I inaccuracy on my report and have it removed as a consumer protection. Law 15usc1681e ( b ) ( a ). This company is violating the law and my right as a consumer. I have also come to find its been multiple complaints as well as law suits filed against this this company for the same reason.

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 2024-01-29 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: NJ

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

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 explanation
Consumer complaint received 2024-01-29 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 recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account 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 Ive attached a copy of my report to this complaint on the following date ( XX/XX/23 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, and ally financial ran my credit without my knowledge and permission and add an hard inquiry to my account On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX ran my credit without my knowledge and permission and add a hard inquiry to my account I bought a XXXX car on XX/XX/XXXX. I authorized XXXX consumer to run my credit this day

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 2024-01-29 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, and ally financial ran my credit without my knowledge and permission and add an hard inquiry to my account On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX ran my credit without my knowledge and permission and add a hard inquiry to my account I bought a XXXX car on XX/XX/XXXX. I authorized XXXX consumer to run my credit this day

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 2024-01-29 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 in a car accident and the vehicle from XXXX was deemed as a total loss. After I surrendered the vehicle to XXXX XXXX I did not receive any information regarding once the vehicle was resold, what was the remaining balance. I also attempted to send in a certificated security to take care of the remaining balance. Stated in their XXXX reports, they use our contracts/applications and sell them as asset-back securities. I have attempted to discharge the debt after my hardship and have not received my security back nor have I been contacted with up to date information on the vehicle. 

The XXXX XXXX XXXX XXXX XXXX now owns all debt belonging to XXXX XXXX. Per XXXX XXXX, any information and property belonging to XXXX XXXX, is liened is at {>= $1,000,000}, XXXX XXXX dollars. ( First in line, first in time ) I also rescind my contract from all security interest in said contract. 
15 USC 6802-6805 Obligations with respect to disclosures of personal information 16 CFR 313.7 Form of opt out to consumers 15 USC 1681 Congressional findings and statement of purpose 16 CFR 433.1 Definitions ( Debt collection practices ) 17 CFR 230.424 Filing of Prospectuses, number of copies 15 USC 1681 ( b ) Permissible purposes of consumer reports 5 USC 522 ( a ) Records maintained on individuals

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: AR

Complaint narrative:
I was in a car accident and the vehicle from XXXX was deemed as a total loss. After I surrendered the vehicle to XXXX XXXX I did not receive any information regarding once the vehicle was resold, what was the remaining balance. I also attempted to send in a certificated security to take care of the remaining balance. Stated in their XXXX reports, they use our contracts/applications and sell them as asset-back securities. I have attempted to discharge the debt after my hardship and have not received my security back nor have I been contacted with up to date information on the vehicle. 

The XXXX XXXX XXXX XXXX XXXX now owns all debt belonging to XXXX XXXX. Per XXXX XXXX, any information and property belonging to XXXX XXXX, is liened is at {>= $1,000,000}, XXXX XXXX dollars. ( First in line, first in time ) I also rescind my contract from all security interest in said contract. 
15 USC 6802-6805 Obligations with respect to disclosures of personal information 16 CFR 313.7 Form of opt out to consumers 15 USC 1681 Congressional findings and statement of purpose 16 CFR 433.1 Definitions ( Debt collection practices ) 17 CFR 230.424 Filing of Prospectuses, number of copies 15 USC 1681 ( b ) Permissible purposes of consumer reports 5 USC 522 ( a ) Records maintained on individuals

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