vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had originally submitted a CFPB complaint in XX/XX/2021 about Wells Fargo Auto reporting my auto loan incorrectly to the credit bureaus as a " Closed account with multiple late payments. '' When the auto loan was open, the account was always paid on time and there were never any late payments. I also have records of when these payments were made to confirm the strong and timely payment history of this account ( Account ending XXXX ). 

As of XX/XX/2021, I received a letter from Wells Fargo Auto stating that they had found in their research, that my auto loan was in fact being reported inaccurately and had acknowledged their mistake on how the account was being reported to to the credit bureaus.

Per the letter, Wells Fargo Auto stated they had requested to update the auto loan payment history ( Account ending XXXX ) to all credit bureaus to reflect as " Closed, Paid in Full with no delinquencies reporting '' and the credit report would reflect these changes to the account within 30 days of the letter being received. 

As of XX/XX/2021, the Wells Fargo Auto Loan account ending in XXXX does not even show up on my credit report at all. As a result, my credit scores have significantly declined because my on time payment history of this auto loan has been removed entirely.

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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to contact the bureaus but there seems to be no way to easily contact any one of them. I moved my investment account selling XXXX or so in bonds and but it in stocks I already owned. This was because of inflation risk. I did not take any money out of the investment accounts and they as saying I have to pay down XXXX of student loans for my credit to go up. I virtually have no other debt and only XXXX in student loans and have worked the entire duration making XXXX to XXXX qualified payments on my student loans and only have XXXX payments to make before the loans are completely forgiven under the XXXX XXXX XXXX XXXX XXXX before they are completely written off about XXXX dollars. I do and am not required to make extra payments as under the program extra payments do not count towards forgiveness. 

I work for a law, XXXX enforcement agency and dont have XXXX of payments left to make and I will resume making payments on them when the Covid 19 which made loans of this nature exempt during Covid 19. 

If they would look i. Have just as much money XXXX in cash as I had before and am not required to make XXXX in student loan payments and they are incompetently reporting and violating federal laws by including them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to contact the bureaus but there seems to be no way to easily contact any one of them. I moved my investment account selling XXXX or so in bonds and but it in stocks I already owned. This was because of inflation risk. I did not take any money out of the investment accounts and they as saying I have to pay down XXXX of student loans for my credit to go up. I virtually have no other debt and only XXXX in student loans and have worked the entire duration making XXXX to XXXX qualified payments on my student loans and only have XXXX payments to make before the loans are completely forgiven under the XXXX XXXX XXXX XXXX XXXX before they are completely written off about XXXX dollars. I do and am not required to make extra payments as under the program extra payments do not count towards forgiveness. 

I work for a XXXX XXXX XXXX XXXX and dont have XXXX of payments left to make and I will resume making payments on them when the Covid 19 which made loans of this nature exempt during Covid 19. 

If they would look i. Have just as much money XXXX in cash as I had before and am not required to make XXXX in student loan payments and they are incompetently reporting and violating federal laws by including them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom this may concern, I have sent multiple certified letters to Experian concerning a student loan ( XXXX XXXX ) on my credit report. I did not attend school I joined the military. Therefore having a student loan in my name is impossible. I have sent the other two major credit bureaus XXXX XXXX XXXX XXXX ) the same certified letters, starting on XX/XX/2021. They have removed the inaccurate, obsolete, unauthorized account from my credit report due to account not being verified. With that being said, if those two major bureaus have removed the accounts, Experian company should also giving they should get verification from the same company. According to US LAW, any inaccurate, obsolete, or unfair has to be removed for consumers credit report! I have sent more certified letters explaining this to Experian and have NOT received a response.

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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
To whom this XXXX concern, I have sent multiple certified letters to XXXX concerning a personal loan ( Acima ) on my credit report. I did not apply or authorize a personal loan from this company. Ive only had XXXX personal loan in my name ( XXXX XXXX XXXX ). I have sent the other two major credit bureaus XXXX XXXX XXXX XXXX ) the same certified letters, starting on XX/XX/2021. They have removed the inaccurate, obsolete, unauthorized account from my credit report due to account not being verified. With that being said, if those two major bureaus have removed the accounts, XXXX company should also, giving they should get verification from the same company. According to US LAW, any inaccurate, obsolete, or unfair items on credit report, it has to be removed from consumers credit report! I have sent more certified letters explaining this to XXXX and have NOT received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have been an AMEX Card holder since 2018. Paid my statements on time ; sometimes than the minimum. AMEX refuses to increase my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I, XXXX XXXX, a consumer and the original creditor, sent via certified mail, an affidavit of truth to Experian. In it, I outlined how they committed identity theft, among other things, causing XXXX XXXX and tarnishing my good name, with information of alleged debts that do not pertain to me. You can find the detailed information in the attached paperwork.

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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a copy of my consumer report, and I noticed some account on my consumer report that should not be there. This agency is in violation of 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. They were to notify me of this in writing 5 days prior. I was not notified. 

I am distressed that you have included the information below in my consumer profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
XXXX : Account names : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX I respectfully requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. XXXX and Equifax Failed to provide any proof that the item belong to me. I do not consent to XXXX  or any means of automated verification. 
This is caused me : Defamation, Violation of the fair Credit Reporting Act, Financial Injury. You have Hurt my ability to obtain Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had originally submitted a CFPB complaint in XX/XX/2021 about XXXX XXXX XXXX reporting my auto loan incorrectly to the credit bureaus as a " Closed account with multiple late payments. '' When the auto loan was open, the account was always paid on time and there were never any late payments. I also have records of when these payments were made to confirm the strong and timely payment history of this account ( Account ending XXXX ). 

As of XX/XX/2021, I received a letter from XXXX XXXX XXXX stating that they had found in their research, that my auto loan was in fact being reported inaccurately and had acknowledged their mistake on how the account was being reported to to the credit bureaus. 

Per the letter, XXXX XXXX XXXX stated they had requested to update the auto loan payment history ( Account ending XXXX ) to all credit bureaus to reflect as " Closed, Paid in Full with no delinquencies reporting '' and the credit report would reflect these changes to the account within 30 days of the letter being received. 

As of XX/XX/2021, the XXXX XXXX XXXX XXXX account ending in XXXX does not even show up on my credit report at all. As a result, my credit scores have significantly declined because my on time payment history of this auto loan has been removed entirely.

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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Approximately XXXX weeks ago, a collection account popped up on all three of my consumer credit reports from a company called The XXXX XXXX. This is a XXXXL collection that I absolutely, positively DO NOT OWE. Additionally, I NEVER ONCE signed a XXXX release form to allow my private, protected medical records to be shared with ANY outside parties, including this collection agency. I have reached out to The XXXX XXXX MULTIPLE times and even sent their CEO an email, but they have chosen to completely ignore me, which is a blatant violation of my rights under FCRA. I have additionally disputed this account with all three credit bureaus ( Experian, XXXX, and XXXX ), and they have entirely failed to delete this erroneous, slanderous medical collection account. First of all, because this is a XXXX collection, this is treated much differently than any other collection due to the sensitive nature of the information being collected on. In order for The XXXX XXXX or any of the credit bureaus to validate this debt, they would need to be able to provide a FULL BREAKDOWN and explanation of exactly what XXXX XXXX I received that I owe this alleged debt for. However, they CAN NOT do that because I never signed a XXXX authorization allowing this information to be shared with any parties outside of my medical provider 's office. Therefore, NO ONE is allowed to have access to this information but myself and my medical provider. Despite my disputes with Experian, XXXX, and XXXX, they have somehow " verified '' this debt and left it on my credit reports. They have no way of verifying this debt because, under HIPAA laws, they should not have access to the information required to verify or validate anything about this alleged debt, which I do not even owe. They can not tell me WHAT services I allegedly owe for because that would be a violation of XXXX if they had access to this information. I am hereby DEMANDING that this erroneous collection account from XXXX XXXX XXXX be IMMEDIATELY deleted from my credit reports. Otherwise I will be pursuing legal action for not only false reporting, but violating my XXXX rights.

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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX has used my information improperly and it has caused me harm. EQUIFAX has reported a negative account on my consumer report from XXXX XXXX XXXX XXXX XXXX of the amount of {$1800.00}. This is a violation of 15 USC 1681c ( a ) ( 5 ), and therefore should be deleted immediately. I've sent a letter to EQUIFAX and they've responded stated that my dispute was verified. I've called and spoke to an EQUIFAX agent and the agent told me that EQUIFAX does not uphold to the Fair Credit Reporting Act when I discussed this matter with over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: CA

Complaint narrative:
Last week, my brother sent money to my Venmo account to repayment me back for the money that he borrow XXXX cash from me back in XXXX. Venmo has previously closed my account due to violation of their term of service without any explanation of what I violated back in XXXX. So, I closed the account and open a new account but was hitted with same violations when I tried to enter my bank account to make a transfer. Once again, Venmo provided no explanation for why they flagged my account again and they deactivated my account with money still in there unabke to transfer it out or send it back to the sender. I believe this is highly unethical and should be looked into. Both my brother and I are out the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Approximately XXXX weeks ago, a collection account popped up on all three of my consumer credit reports from a company called The XXXX XXXX. This is a MEDICAL collection that I absolutely, positively DO NOT OWE. Additionally, I NEVER ONCE signed a HIPAA release form to allow my private, protected medical records to be shared with ANY outside parties, including this collection agency. I have reached out to The XXXX XXXX MULTIPLE times and even sent their CEO an email, but they have chosen to completely ignore me, which is a blatant violation of my rights under FCRA. I have additionally disputed this account with all three credit bureaus ( XXXX, XXXX, and Transunion ), and they have entirely failed to delete this erroneous, slanderous medical collection account. First of all, because this is a MEDICAL collection, this is treated much differently than any other collection due to the sensitive nature of the information being collected on. In order for The XXXX XXXX or any of the credit bureaus to validate this debt, they would need to be able to provide a FULL BREAKDOWN and explanation of exactly what medical services I received that I owe this alleged debt for. However, they CAN NOT do that because I never signed a HIPAA authorization allowing this information to be shared with any parties outside of my medical provider 's office. Therefore, NO ONE is allowed to have access to this information but myself and my medical provider. Despite my disputes with XXXX, Transunion, and XXXX, they have somehow " verified '' this debt and left it on my credit reports. They have no way of verifying this debt because, under HIPAA laws, they should not have access to the information required to verify or validate anything about this alleged debt, which I do not even owe. They can not tell me WHAT services I allegedly owe for because that would be a violation of HIPAA if they had access to this information. I am hereby DEMANDING that this erroneous collection account from The XXXX Agency be IMMEDIATELY deleted from my credit reports. Otherwise I will be pursuing legal action for not only false reporting, but violating my HIPAA rights.

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