vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: NJ

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XX/XX/2022 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

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 an 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 or 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 data is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased shirts from XXXX XXXX, the shirt got stuck at their regional postal office due to a chemical spill, the vendor and I did not have knowledge of this. I filed a dispute with PayPal I received a temporary credit. When I finally received the shirt I returned them due to chemical exposure. The vendor refunded my money in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX  realized I had received 2 refunded and made an adjustment to XXXX XXXX  balance. PayPal has placed a - {$77.00} on my account stating a decision in their investigation ruled in favor of the vendor. Today at XXXX I spoke with a supervisor and explained the above she stated their decision is final. I told her the vendor has the merchandise, she refunded my money, XXXX XXXX to back their temporary credit, so PayPal is forcing me to pay for something I dont have. I then asked for a manager she stated she was the highest and the decision is final. PayPal is trying to steal {$77.00} even though all documents are provided showing I owe nothing. Furthermore responding with agreement statement are not freeing them of theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NM

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2024-04-17 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: GA

Complaint narrative:
Inquires on my account that I am not familiar with : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I CALLED THE CUSTOMER SERVICE NUMBER AND SPOKE TO A REP AND I ASK IF I COULD ENDORSE A CHECK THAT WAS FOR MY COUSIN BECAUSE HE HAD LOST HIS ID AND I WAS TOLD BE THE REP THAT IT WAS NOT GOING TO BE A PROBLEM AS LONG AS THE CHECK WASNT OVER XXXX SO WE WHEN A HEAD AND MADE THE DEPOSIT 2 HOURS LATER THEY FROZE MY ACCOUNT AND THIS HAPPEN ON XX/XX/2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XXXX I have tried have tried to resolve with the original creditor or collection company. But they are giving me NO RESOLUTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested that a few accounts on my credit file be investigated for inaccuracies by TransUnion starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent two follow up letters on XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I've attempted to get the late payments removed due to the hardship during the pandemic, and each bureau is violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: EQUIFAX, INC.
State: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
my wells fargo account overdrafted on XX/XX/year> with a balance of XXXX there are no branches in my area and it wouldnt allow my other bank account to connect to it. i went to deposit a check on XX/XX/year> and was denied access to the account. upon calling customer service, i was told that it was overdrawn for too long and they closed it. i received no warning and they said they didnt have to notify me that it was closing. the account overdrafted due to a monthly service fee charged by wells fargo. i was on strike and did not have my regular income going into the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of XXXX XXXX and Experian is reporting adverse information on my credit report that is a result of my XXXX XXXX although theyve been informed repeatedly that these accounts are not mine. I have provided them with valid and necessary documents needed to have this information blocked and deleted from my credit report pursuant section 605c of the Fair Credit Reporting Act, as well as Fair Credit Reporting Act ( 15 U.S.C 1681c-2 ). As a result of repeated violations in accordance with the FCRA, I am requesting that Experian remove all of the information that is a result of XXXX XXXX immediately considering I provided all of the necessary documents on XX/XX/XXXX, and was reassured on XX/XX/XXXX that my case would be worked on. As of today, XX/XX/2024, the accounts are still on my credit report which is beyond the required XXXX business days as the law states.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
NewRez d/b/a Shellpoint is claiming that I am delinquent on my mortgage for 3 months prior to Shellpoint owning my mortgage. Shellpoint purchased the mortgage in XX/XX/XXXX and my payment XX/XX/XXXX was applied to XX/XX/XXXX. I provided proof that I made XX/XX/XXXX payment to XXXX the previous Servicing Company. After round and round, SMS said that XXXX, XXXX, and XX/XX/XXXX were not paid to XXXX. I received extended forbearance for XXXX, XXXX, and XX/XX/XXXX. I made payments for XXXX, XXXX and XX/XX/XXXX but those payments were applied to XXXX, XXXX, and XX/XX/XXXX forcing my account to be past due by 90 days. I never received any notification from XXXX that my account was past due nor did XXXX report to the credit bureau that I paid late. SMS is charging monthly late fees and inspection fees, racking up additional charges to my account. I provided the letter approving forbearance for XX/XX/XXXX- XX/XX/XXXX. I provided XXXX 's payment history for my account. SMS still refuses to stop with the late fees, inspection fees, adverse credit reporting, and correct the payment application. I NEED HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
Transunion continues to report incorrect information on my credit report. They have XXXX XXXX  last payment as XX/XX/XXXX XXXX also reporting the account was closed XX/XX/XXXX XXXX how can the last payment be XXXX months after the account was closed. they also have the payment status as collections/charge off but the account status also shows derogatory. If the account was closed it should report that on all status 's. also this account shows it was never 30/60/90 days late. There are several inaccuracies I have disputed and demanded this account be removed from my Transunion account but they refuse to comply. This is a violation of my 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
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bell Global Services LLC
State: MO

Complaint narrative:
On XX/XX/year> someone by the name of XXXX XXXX left a voicemail for me. He said that he needed to talk to me or my attorney and gave a number to reach him at. He also stated that I had no idea what was about to take place and I needed to call him back. I called him back that day and he said that they had received a judgment against me and that they were going to file the judgment. I told him a judgment is not filed, it is obtained. This concerns a loan from XXXX XXXX XXXX, which is a payday loan company. I do not recall getting any loan from this company. The debt collection company is Bell Global Services, LLC. Their address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NJ XXXX. Their phone number is XXXX. It is my contention that they were intentionally and fraudulently misrepresenting this as a legal matter or lawsuit when it was not.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions 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 non-monetary relief
Consumer complaint received 2024-04-17 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: WA

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 XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally dispute an unknown account that is inaccurately appearing on my credit report. Despite previous attempts to resolve this matter and requests for investigation under the Fair Credit Reporting Act ( FCRA ), the account remains on my report, constituting a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: CA

Complaint narrative:
I was charged an XXXX debt for a rental property I never lived at. When I reached out to rent recovery solutions. I found someone switched the digits of my social security and date of birth with my first and last name. I also have numerous fraud claims with my bank, where I had to cancel my debit card because of unauthorized charges. I feel as though I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
Please remove the collection account XXXX from my credit report. The collection agency XXXX XXXX provided a letter stating that they have ceased the collection of this account and zeroed the balance. XXXX, XXXX, nor Transunion has been able to validate this account to date. The collection agency sent correspondence for the removal of this account in XXXX, and it is still reporting on my credit. Please see the enclosed letter and remove the aforementioned account 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 2024-04-17 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: TX

Complaint narrative:
Please remove the collection account XXXX from my credit report. The collection agency XXXX XXXX provided a letter stating that they have ceased the collection of this account and zeroed the balance. XXXX, Equifax, nor XXXX has been able to validate this account to date. The collection agency sent correspondence for the removal of this account in XXXX, and it is still reporting on my credit. Please see the enclosed letter and remove the aforementioned account from my credit report.

Company response to consumer: Closed with explanation