vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Notice to Agent is notice to principal notice to principal is notice to agent. I am contacting you because I have found some inaccurate information on my credit report. This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this. [ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal. Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between the consumer and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies in my consumer report. You have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. As a result of this, I request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. As per FCRA 15 U.S.C Code 1681s2 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 updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. This letter is certified mail and you are now on notice Thank you for your time

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 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a letter from my bank, Wells Fargo on XX/XX/2024 stating that there was judgement on my minor sons account ( I am the guardian of this acct ) and that on XX/XX/2024, {$2.00}, XXXX was withdrawn from my acct. they had no additional information other than the court officer and a phone number. I called the phone number provided and left a voice mail to find out what this was in reference to. In the meantime I called my bank to see if I could get more information to which they had none. All the money in that account was directly deposited from a child support order as a result from a recent court case. I explained this to them and they were aware. I received a call back from the court officers secretary and she gave me the information of the attorneys. I explained the situation to her, that I was never sent any paperwork and had no idea what this was for and told her about the child support money. She immediately told me to contact the attorneys XXXX and XXXX at XXXX. I called and spoke to the paralegal. She looked for my case and could not locate it at first due to the conflicting mailing addresses. When she did find it she told me it was a debtor named ugh but this was not the original debtor. I told her I never received any paperwork on this and the money that was levied from my sons acct was all child support money. She said to cal my bank. I told her my bank couldnt even give me any information. She then got very nasty and told me to wait for a manager. She put me on hold for over XXXX minutes came back and said no one was available and they would call me back. I have not received any calls. I called and left another voicemail and sent an email asking where I can send the documents and burden of proof that the money in that acct was child support. My employer reached out to me on XX/XX/2024 stating that he received a court order to garnish my wages for the same debt. XXXX weeks after the money was withdrawn from my Wells Fargo account. This is harassment. I was NEVER sent any paperwork. I want copies of paperwork at my address to prove they sent me something dated. I want the information on the debt and what it was for and a chance to set up a payment plan if it is valid. I want the money for my sons child support deposited back to his account and I want to show the proof and court order that is what is was. I dont want to be ignored. I want the wage garnishment canceled and for them to stop harassing my place of employment.

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove all fraudulent accounts from my credit report as soon as possible.

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 2024-02-10 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX - opened account through floor and decor XX/XX/XXXX through XX/XX/XXXX requested contract and monthly statements. This request went unanswered. We utilized automated phone system to make estimated payments. 
End of XXXX, beginning of XX/XX/XXXX XXXX XXXX was paid off. 
Due to the fact that we never received any statements and contract. It was unknown to us of when the interest free promotional offer ended. We estimated the end XX/XX/XXXX. 
After paying off total balance we received the deferred interest for the entire year. We tried to dispute this but a reason was never given as to why. The total is still increasing with late fees. We are requesting to have Comenity investigated for violation of with holding account information and practicing deceptive and misleading lending practices. Comenity has been involved in numerous class action suits and have extremely poor consumer ratings on yelp and other rating sites such as the BBB. Comenity has reported us to the XXXX bureaus and we want the filing to be removed. We want Comenity to be held accountable for preying on consumers. We also want the interest to be eliminated and the account canceled so that we never have to do business with this entity again. We hope that you can provide assistance in this matter. 
Thank you XXXX XXXX If any other information is required please reach out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have previously submitted disputes regarding these inaccuracies, and Experian has not provided any evidence or documentation used in the investigation but all accounts came back verified. As such, I request that Experian conduct a thorough investigation into these discrepancies and correct any and errors promptly, in accordance with my rights under the FCRA, I request you delete the following accounts due to clear incorrect reporting. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 a and b, I am exercising my right to dispute inaccurate or incomplete information in my consumer report. 

Upon reviewing my credit report, I have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid in settlement but Experian is reporting it as a charge off month to month with a written off balance which is a clear violation of the FCRA. 

XXXX. XXXX XXXX The balance is reporting as {$4500.00} but the past due amount as of XX/XX/2024 is reporting as $ XXXX Acct # XXXX which is a clear violation of the FCRA XXXX 

XXXX. XXXX XXXX XXXX XXXX in balance, and payment history Acct # XXXX  Accoount showing a charge off amount of {$12000.00} and past due amount showing {$8900.00} which is a clear violation of the fcra XXXX. XXXX XXXX XXXX- This account is paid and reporting month to month as a charge off which is a clear violation of the FCRA Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution of this re-investigation. I've also attached my previous dispute that was mailed in and never addressed

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 2024-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or about XXXX XXXX I sent a letter to Wells Fargo Bank that I had been scammed, of approximately {$130000.00}. Dollars. And that I had wired the funds using their services. As of today XXXX XXXX I have not received any response to my petition for assistance, I have submitted attention to their complaint department to no avail. It appears to me they have chosen to ignore my pleadings.Since XXXX of XXXX Wells Fargo has closed my account. Your time and consideration in this matter is greatly appreciated. 
Thank you sincerely XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
A company called fair collections and outsourcing appears on my credit report attempting to collect a debt of roughly {$2700.00} that is XXXX incorrect and XXXX past the statue of limitations and XXXX does not belong to them. This is appearing on my XXXX credit report only.

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, has violated my rights. 
XXXX, XXXX, XXXX, has violated my rights. 
XXXX XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, has violated my rights. 
XXXX, XXXX, XXXX, has violated my rights. 
XXXX XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without 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 2024-02-10 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: CA

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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven XXXX. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the INQUIRIES below : 1.XXXX XXXX XXXX XX/XX/2023 2.XXXX XXXX XX/XX/2023 3.XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/2024, Wednesday morning, a person named XXXX XXXX posted on XXXX XXXX XXXX XXXX XXXX private XXXX XXXX XXXX at the XXXX XXXX saying she has the {$39.00} ticket for the upcoming XXXX XXXX XXXX. I have seen many similar posts asking for buying or selling the show tickets at the XXXX XXXX in this group. I quickly contacted XXXX XXXX by private messaging her in XXXX asking for two tickets. She said I could Venmo {$78.00} to her boyfriend and gave me the Venmo account as XXXX XXXX. She said she would send me the tickets right away after she got the money. After I sent her the screenshot of the Venmo payment. She never responded or sent me the tickets. Later, I found she removed her post in the XXXX XXXX XXXX. The Venmo accounts name changed to XXXX XXXX. I can see this account has many suspicious transactions and I could even see other people paid to this account buying the XXXX XXXX tickets as I just did. I realized I was scammed! As my Venmo account is linked to my Banking account, I called my bank to stop the transaction and I called Venmo to report this scam and request to stop the transaction asap around XXXX the same day. On Friday, Venmo sent me an email stating that Venmo has paid {$78.00} for me and asking me to cover the cost. I called Venmo again. Venmo told me to file a police report. The police will reach out to Venmo for further investigation. So I filed a police report. But the police quickly responded and set my case as inactive as the police said most scammers are outside of the United States. The case didnt happen in our county. Now, my Venmo account is frozen and Venmos customer service no longer communicating with me. Venmo keeps sending email asking me to pay {$78.00}. I told Venmo I will NOT pay for a scammer! On XX/XX/XXXX Friday, PayPal sent me an email to pay {$78.00}, or it will go to debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: CA

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 : XXXX XXXX Account Number : XXXX has violated my right, And lists of unauthorized 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 2024-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 : XXXX XXXX XXXX # XXXX, has 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 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 explanation
Consumer complaint received 2024-02-10 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: PA

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 : XXXX XXXX XXXX # XXXX, has 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 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 explanation
Consumer complaint received 2024-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-10 00:00:00
Product: Student loan — Federal student loan servicing
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: EdFinancial Services
State: WA

Complaint narrative:
Edfinancial over drew from my account without my consent. I only made XXXX payment with them amounting to XXXX dollars and they actually charged me twice totaling XXXX dollars. I only have a confirmation for XXXX amount of XXXX dollars. This was a mistake on their end and they are now taking their time getting me my money back. Ive asked for the XXXX dollars that they withdrew from my bank account and I have yet to receive it. They withdrew the extra XXXX dollars from my account on XX/XX/XXXX. It is now XX/XX/XXXX. Its been almost 6 months and still nothing. That seems rediculous to me and they dont put any urgency into this scenario as this was a mistake on their end. If I were the one that owed them, they would be all over me about that. Cant get any answers from anyone I talk with on the phone. I want my XXXX dollars back.

Company response to consumer: Closed with explanation