vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-26 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: MO

Complaint narrative:
I submitted a dispute for 3 XXXX accounts and then these three were purchased by XXXX XXXX XXXX. I dont think they did an actual investigation. Otherwise, why is it ok for a company to say theyll delete accounts, not do it, and then the credit reporting agency be fine with it? I have sent them evidence of the company indicating they were deleting and they didnt even seem to look at this. They are just accepting that the company said its legit as though that should be enough. II have repeatedly asked for a verification of debt and they havent done it. They ignore that I asked for and the company ignored sending me a copy of the contract or anything showing my signature and they ignore or refuse me. I asked for an exact breakdown of fees and they refuse. Funny how it says credit limit of {$100.00} but owe like {$400.00}! I dont think they really investigated. Its like they just contacted XXXX and XXXX and took their word for it. They have the same debts on their twice both with original comenith and then XXXX XXXX XXXX. Because I had no card number they wouldnt even talk to me! I want them to have to show what I owe! I asked them to provide what the money they say I owe is for and they have ignored me. I asked them to explain and show how they calculated what I owe and they refuse. I asked for a copy of any paper bearing my signature. I asked for proof of agreement from me. They provided no proof at all, ignore my requests for the last three years, yet still report to credit agencies and the credit reporting agency honors them! This isnt right! Id like credit reporting agency to get a signature, contract, or fee breakdown to actually verify!

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 2023-02-26 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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am responding to the previously two inter-related complaints XXXX and XXXX regarding a fraudulently applied for and maintained Discover credit card ( account XXXX ) in my name, that occurred while I was XXXX on income tax related charges within the State of New Jersey and XXXX XXXX XXXX. 

First, Discover Financial Services exceeded the 30 requirement for responding to both your office and me. My complaint to Discover Financial Services was made in XX/XX/XXXX. My request for your intervention was made in XX/XX/XXXX. 

Secondly, the account information submitted by XXXX, at the Discover Office of Customer Advocacy only proves to substantiate my complaint that a Discover credit was in fact opened in my name and maintained in my name using my former address, however I was not at my home address and I was unable to remit payments on this credit card, because I was XXXX  in both the New Jersey XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

Not only did Discover exceed the 30 day requirement for responding, but it responded with information showing that someone, other than me opened the credit card account. 

Furthermore, this Discover credit is incorrectly being reported on my credit reports an active account when the account was closed in XXXX. My credit score is now incorrectly being reduced with an erroneous credit reporting from a credit card fraudulently opened and maintained and still being reported as an current debt, when the credit card was closed and written off in XXXX. 

I request your intervention under the Fair Credit Reporting Account of motivating Discover Financial Services to remove this incorrect information from my credit reports. 

Thank you in advance for your attention to my request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602a -States I have the right to privacy. 

15 U.S.C 1681 Section 604a- Section 2XXXX It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602a -States I have the right to privacy. 

15 U.S.C 1681 Section 604a- Section 2XXXX It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I sent a payment to pay the balance in full for the month in the amount of {$1100.00}. Wells Fargo only credited {$410.00}. They posted the receipt the incorrect amount on XXXX/XXXX/23. My bank paid the full amount of the check to Wells Fargo which was drawn the {$1100.00} from my bank on the same date. I have contacted Wells Fargo numerous times over the last 30 days to no avail. I have had to write a check to pay the most recent statement in full although the amount of that statement has yet to be adjusted for the credit due to Wells Fargo 's misapplication of the previous payment. Wells Fargo 's last position is that it would take them another 30 days to " investigate ''. It is time that a higher source intervene in this issue.

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 monetary relief
Consumer complaint received 2023-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I received a Chime card in the mail with my name and address on the weekend of XX/XX/2023. I never requested to open a Chime account and never received any email or phone confirmation that I had opened one. 

I believe this was connected to a fradulent phone call that I received the week prior on XX/XX/XXXX. My XXXX credit card was receiving fraudulent charges, so I spoke to representative who called me after I responded to a XXXX  Fraud text alert. I believe the first representative I spoke to, who claimed to be from XXXX, was actually a scammer who stole my information and did not help to remedy the problem. The fraudulent charges and closing of my XXXX  credit card were only taken care of when I spoke to a second XXXX  representative shortly after calling XXXX  again. 

I placed a fraud alert on my account and began credit monitoring the day after this experience, but believe it's possible that the Chime account was opened prior to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2023. I experienced an adverse action from the assigned Creditor ; Affirm Incorporation for exercising my right in good faith for an extension of credit and my right to privacy during this consumer credit transaction. 

DEFINITIONS ( BELOW ) The definition of Creditor Pursuant to 15 USC 1691a ( e ) - means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the DECISION TO EXTEND, renew, or continue credit. 
According to 15 USC 1691 ( e ) any assigned Creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class. 

Affirm discrimination practices violated the Equal Credit Opportunity Act and the Fair Credit Reporting Act. Affirmed mention that my interest in a loan was denied. I did not apply for a Loan, I applied for extension of credit which can not be denied under the Equal Credit Opportunity Act. Pursuant to the FCRA, Affirm should have offered the consumer an opportunity to show other means of a credit report that holds more positive credentials than a negative report unfortunately, Affirm fail to comply with that subchapter who was the assigned creditor when I applied for the extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This credit bureau has violated 15 USC 1681i and 15 USC 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. All I have been getting are frivolous, XXXX  automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

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 2023-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My personal information has been exposed in several data breaches and now my information is being used to fraudulently. I was able to take a look at my credit report and I see many suspicious accounts and charges. I have been receiving calls and emails about account and charges that are not mine. I am sure that scammers took my information and now I am being negatively effected.I noticed fraudulent information was posted on my file.

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 2023-02-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I called to settle a collection account with discover on XX/XX/2023. I paid {$510.00} to settle the account and have it closed so it no longer reports late payments to the credit bureaus. Once I paid it, I called discover back to have them update the information. They updated it to show the payment and stated it would be updated fully to settled for less than balance owed within 30 days. It has now been 40 days and it has not been updated and continues to show a late payment for the month of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: WI

Complaint narrative:
I sent the credit Bureau ( Experian ) letters asking them them to verify the fraudulent items on my report. Each time they update the file stating that everything is verified correctly. My credit report are still shoring inaccuracies.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. Accounts are below. EXPERIAN is the only CRA reporting this! 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have pulled my Experian report and noticed an unverified account. I have tried contacting both Experian as well as the debt collector. They both refuse to investigate properly and delete this account from my credit report. 

I mailed Experian to look into this account on XX/XX/2019. This letter was sent certified. I also mailed the debt collector on XX/XX/2019 and XX/XX/2019 for debt validation. They mailed me a letter back on XX/XX/2019 stating " we have reviewed this dispute and determined that it did not contain sufficient information to resolve the matter '' this reply was very confusing. 

They continue to refuse to delete this from my report even though it is illegal what they are doing. Please assist. Please see Proof attached.

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 2023-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2023, I submitted a payment to settle this account in collection. It has now been 40+ days since I submitted this payment and asked them twice to update their records and my credit bureaus and nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo Mortgage recurring monthly auto-payments were deleted without me or my husband 's request. We did not decide we wanted to stop these payments, nor did we contact the bank to do so. 

In accordance with Wells Fargo Terms/Conditions and Federal Law, if a consumer decides to delete that service, a 3-day written or verbal notice must be given. Since neither me nor my spouse ask for the service to be deleted, we have been asking Wells Fargo since XX/XX/2021, in writing, to provide a copy of the verbal or written 3-day requested by either of us to delete the service. To date, no copy of a written or verbal notice has been provided and their response continues to be my spouse went online he deleted that service, although no such functionality ever existed in their mortgage module ; And, they only blamed my spouse after blaming me, only to learn I was not in my account on the day they claim the auto-payment was deleted. 

A bank is required to protect the accounts of its consumers, to include monitoring any suspicious activity. To date, they have failed in providing me accurate information about unauthorized changes to my mortgage 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 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2023 I received an alert of a hard inquiry from COMENITYCAPITALXXXX. I do not recognize this company. I did not apply for any products. I did not give anyone permission to use my personal information to apply for any products. I tried to dispute this hard inquiry through XXXX and they have not resolved my issue and it is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called to settle a collection account with XXXX on XX/XX/2023. I paid {$510.00} to settle the account and have it closed so it no longer reports late payments to the credit bureaus. Once I paid it, I called XXXX  back to have them update the information. They updated it to show the payment and stated it would be updated fully to settled for less than balance owed within 30 days. It has now been 40 days and it has not been updated and continues to show a late payment for the month of XX/XX/2023.

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 2023-02-26 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: NJ

Complaint narrative:
an account open XX/XX/2021 for XXXX XXXX also account open on XX/XX/2021 for XXXX XXXX, was opened without my knowledge. Those accounts are not mine, and i did not authorize. my data was exposed and i currently have active fraud alert on my reports as of XXXX, those accounts are not mine, please delete the following accounts XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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