vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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: IN

Complaint narrative:
Sent in disputes for XXXX accounts that were reporting inaccurate information. Nothing happened. The XXXX accounts are still reporting on my account. I understand that your company is required by law to report accurate information on a credit report. If the information is found out to be inaccurate or wrong, you are supposed to delete the information from my consumer report immediately. The accounts need to be deleted, or I might have to contact someone to proceed with other action to protect me and my credit.

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 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal put the fraud charge to my checking account with them. I submitted the CFPB case before also I did reach out to PayPal multiple times but no one can able to resolve my issue. PayPal called me after my CFPB case and advised to open dispute with my XXXX XXXX. I told them XXXX bank rejected the transaction same time when it was attempted, but PayPal approved and then they placed on my checking account with them. First my XXXX XXXX  did not had enough funds to approve. The second my PayPal account did not had funds to approve this charge. How PayPal was apple to approve this charge? I can provide my XXXX XXXX  account where it show there no funds to approve that transaction. PayPal need to remove that charge from my checking account. They should work with merchant. I did not ordered the item I did not received the item. I will escalate this to the small court and Attorney General office. They add charge to my account with out my authorization. This is discriminatory act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo allowed bankers starting in XXXX to open up products and services without my consent. Eventually this led to an insurance policy being opened I filed a claim with my initial insurance not knowing that they opened up a policy without my knowledge this then caused the claim to be denied as one insurer felt that I was acting in Ill intent as there was two policies opened. Unfortunately this caused me when I was involved in an accident to have my claim denied regarding personal property that was lost damaged or stolen during the accident.

Ultimately Ive also received a number of credit related issues from them leading to my identity being compromised that resulted in an arrest from a county Ive never visited, adding insult to injury Ive had a number of financial ramifications that came due to greed, negligence and incompetence from this company! Wells Fargo continues to avoid responsibilities and not compensate me for the losses that occurred as a result of their bankers and customer service representatives greed, and corruption. It shouldve noted that Wells Fargo each time I called during that time frame manipulated me as a consumer by implying if I see any products or services that may benefit you I will mention them would that be okay? This is misleading and subtle to someone thats calling with financial hardships, and etc including the credit I was also charged for identity protection without my knowledge for years! To add more insult to injury the product wasnt able to help me due to me not knowing certain authentication factors as someone put the wrong information in wanting to put profits over consumers.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To whom it may concern : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on! 

WELLS FARGO AUTO CRE XXXX XXXX Account # : XXXX Account Description : XXXX XXXX Account Rating : As Agreed Account Status : Open Account Type : Installment Balance Owed : {$24000.00} Closed Date : -- Credit Limit : -- Creditor Remarks : CURRENT ACCOUNT/WAS DELINQUENT 60 DAYS PAST DUE DATE Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$37000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$640.00} Payment Frequency : -- Payment Status : AsAgreed Term Length : XXXX Loan Type : Automobile I've found a late payment entry for account WELLS FARGO AUTO CRE for XXXX in XXXX on my credit report, but I can't find any evidence of it. According to 15 USC 1666 of the Truth in Lending Act ( TILA ), and as highlighted in cases like XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), it's your responsibility to provide proof if it exists. If no proof is available, please update the status to " paid as agreed, never late. '' Your prompt action is appreciated. 
In appreciation The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well XXXX XXXX -- it needs certified compliant. 

XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-10-15 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: VA

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-10-15 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: NC

Complaint narrative:
I have filed numerous disputes with Equifax to remove another individual from my credit report that they added on XX/XX/XXXX. They removed his name pursuant to XXXX of my disputes, XXXX of the XXXX addresses I disputed, and XXXX of XXXX accounts I disputed. After filing a new disputes to remove his second address, now they have added his name back to my account again! They are showing an account with XXXX credit cards ending in XXXX that is not or ever been mine. I called XXXX services and they confirmed that is not my account and are providing a letter to that effect in 10 days to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NONE OF THESE ARE MINE. I also filed a fraud alert that is not showing on my account as it should. Please make them correct these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring your attention to inaccuracies on my credit report that occurred as a result of financial hardship caused by the COVID-19 pandemic. According to federal guidance and the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, creditors and credit reporting agencies are expected to provide relief and leniency to individuals financially impacted by the pandemic. However, I have identified derogatory marks and late payments on my credit report during this period that do not align with these provisions. Explanation of Circumstances : I was financially affected by the COVID-19 pandemic, resulting in a loss of income and unemployment during [ XXXX ]. During this time, I communicated with my creditors regarding my financial situation, requesting relief and accommodations under the available programs. Despite this, late payments and other derogatory remarks were reported to the credit bureaus. Under the CARES Act, lenders were required to report accounts as " current '' if accommodations were made due to pandemic-related hardship. These negative entries appear to have been reported in error or without considering the appropriate guidelines. The complaint is regarding the below accounts on my credit file : 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm contacting you in order to contest the continuous validation of a credit report account. Even though the supplied documents demonstrate that the information is wrong, no changes have been made, and the false information is still being reported as accurate.

This clearly violates 15 U.S.C. Section 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that false information be looked into and fixed. I ask that you look into this matter again right away and either fix or delete the false information from my credit report.

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 2024-10-15 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: TX

Complaint narrative:
I'm contacting you in order to contest the continuous validation of a credit report account. Even though the supplied documents demonstrate that the information is wrong, no changes have been made, and the false information is still being reported as accurate.

This clearly violates 15 U.S.C. Section 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that false information be looked into and fixed. I ask that you look into this matter again right away and either fix or delete the false information from my credit report.

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 2024-10-15 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: MI

Complaint narrative:
Over the last XXXX  days, Experian and XXXX have received multiple complaints and disputes regarding inaccurate information on my credit report. Note : Experian is the only agency who has failed to correctly recognize the inaccuracy and remove the affirm data from my report. 

Experian began receiving claims against this company in XXXX 2023 through XXXX XXXX XXXX Experian has been aware of the issue since then and still fails to remove the inaccurate records. 

Experian received a claim around XXXX with approx XXXX items to be disputed. Upon receiving that claim, Experian only selected XXXX items to review and ignored the rest of the letter as provided. 

Experian was again notified of their failure to accurately handle a FCRA request and noted their violation. They also received additional information regarding the claim from XXXX, XXXX. Again, Experian did not review the data provided and just contacted the furnisher who continues to affirm that the information is accurate, even with provided proof to Experian. 

Experian was contacted again, and they did not provide any additional information as to why they are refusing to correct the inaccuracy, even with multiple records submitted. 

We have provided multiple official statements to Experian as well as the creditor. We have provided proof of emails showing the auto payment is set up. We have submitted multiple proofs of documentation, including a claim to the XXXX with XXXX. However, even through it all, Experian has failed to comply with the request for removal.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
I was disputing several inaccuracies on my credit report. THE INFORMATION HAS NOT BEEN PROPERLY VERIFIED AND INVESTIGATED OVER THE COURSE OF A YEAR. IF THEY WOULD HAVE DID AN INVESTIGATION PROPERLY, THEY WOULD HAVE SEEN THE XXXX ACCOUNTS ARE INACCURATE IN REPORTING ON CERTAIN DATES ACCROSS THE XXXX BUREAUS. THIS IS AN FCRA VIOLATION AND WILL BE DELETED FROM MY CONSUMER REPORT NOW.

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 2024-10-15 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: 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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed 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 2024-10-15 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
Over the last XXXX  days, XXXX and Affirm have received multiple complaints and disputes regarding inaccurate information on my credit report. Note : XXXX is the only agency who has failed to correctly recognize the inaccuracy and remove the affirm data from my report. 

XXXX began receiving claims against this company in XXXX 2023 through XXXX XXXX XXXX XXXX has been aware of the issue since then and still fails to remove the inaccurate records. 

XXXX received a claim around XXXX with approx XXXX items to be disputed. Upon receiving that claim, XXXX only selected XXXX items to review and ignored the rest of the letter as provided. 

XXXX was again notified of their failure to accurately handle a FCRA request and noted their violation. They also received additional information regarding the claim from Affirm, LLC. Again, XXXX did not review the data provided and just contacted the furnisher who continues to affirm that the information is accurate, even with provided proof to XXXX. 

XXXX was contacted again, and they did not provide any additional information as to why they are refusing to correct the inaccuracy, even with multiple records submitted. 

We have provided multiple official statements to XXXX as well as the creditor. We have provided proof of emails showing the auto payment is set up. We have submitted multiple proofs of documentation, including a claim to the XXXX with Affirm. However, even through it all, XXXX has failed to comply with the request for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: OK

Complaint narrative:
I asked Experian to remove the bankruptcy bylaw. I did not give them consent to put that on my credit profile. I also asked him to remove XXXX XXXXXXXX because it was open fraudulently also, cba which is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and several other cards that was open without my knowledge I have provided them with the correct information on my report with my address including phone numbers in a real email that belongs to me

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