vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-02 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-02 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2025-01-02 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: TX

Complaint narrative:
Dear CFPB, CFPB is supposed to protect my consumer report from unfair, deceptive, or abusive practices.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ), ( b ), ( c ).

According to this law I haven't giving any such consent for any 3rd party companies to falsify my consumer report by acting as the original creditor and making false claims and statements including trying to collect a sum not owed to them. There were mistakes made that lead to falsifying my payments as late and accidentally turn over said accounts to collections when the accounts were paid on time and paid as agreed. The information on my consumer and credit report needs to reflect my current up-to-date payments and on time payments.

I'm entrusting CFPB to properly rectify the situation but also requesting that my information is changed and updated to paid on time and as agreed and therefore there are no collections on my consumer report. Please ensure that these unfair, negative late payments show as PAID ON TIME/PAID AS AGREED. This needs to be done ASAP these 3 unfair, deceptive, and or abusive practices is being done by the 3 major credit bureaus allowing 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}. I never open up any of these 3 accounts nor did I consent of these three companies to use any of my information this act is illegal according to Consumer financial protection bureau laws and therefore needs to be DELETED PERMANENTLY and or UPDATED to PAID ON TIME and PAID AS AGREED PLEASE AND THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
Dear CFPB, CFPB is supposed to protect my consumer report from unfair, deceptive, or abusive practices.


15 U.S. Code 1692c - Communication in connection with debt collection ( a ), ( b ), ( c ). According to this law I haven't giving any such consent for any 3rd p
arty companies to falsify my consumer report by acting as the original creditor and making false claims and statements including trying to collect a sum not owed to them. There were mistakes made that lead to falsifying my payments as late and accidentally turn over said accounts to collections when the accounts were paid on time and paid as agreed. The information on my consumer and credit report needs to reflect my current up-to-date payments and on time payments. 
I'm entrusting CFPB to properly rectify the situation but also requesting that my information is changed and updated to paid on time and as agreed and therefore there are no collections on my consumer report. Please ensure that these unfair, negative late payments show as PAID ON TIME/PAID AS AGREED. This needs to be done ASAP these 3 unfair, deceptive, and or abusive practices is being done by the XXXX major credit bureaus allowing ( XXXX ) XXXXXXXX XXXX XXXX XXXX. {$1100.00} ( XXXX ) XXXX XXXX XXXX. {$580.00} ( XXXX ) XXXX XXXX XXXX {$1700.00}. 

Delete ACCOUNTS : ( XXXX ) XXXX XXXXXXXX XXXX XXXX {$1100.00} ( XXXX ) XXXX XXXX XXXX. {$580.00} ( XXXX ) XXXX XXXX XXXX  {$1700.00}. I never open up any of these 3 accounts nor did I consent of these three companies to use any of my information this act is illegal according to Consumer financial protection bureau laws and therefore needs to be DELETED PERMANENTLY and or UPDATED to PAID ON TIME and PAID AS AGREED PLEASE AND THANK YOU.

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 2025-01-02 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: MA

Complaint narrative:
I tried to set up an account with experian but i found that someone else had already signed up for an account and it sent a verification code to an email address i did not recognize. Alarmed someone else could have an account with this credit bureau, I immediately tried to call the help desk. 

Their phone system is manipulative and verifies all your info, but it does not matter because they will not take your call and send it to a representative to take care of it. They do not care about anything that does not give them money and do not care about the consumer or fraud or doing the responsible thing. Basically, the phone does not exist unless you are buying a product from them because you CAN NOT get a representative. Meanwhile I could be losing assets and fraud. 

I looked online and there are XXXX of people complaining about experians XXXX customer service and I believe this is a business strategy to maximize profits. 

I want to get to a representative to fix my issue, I can verify my identity and want access to my account on their website. However this business ( experian ) has maliciously decided to provide XXXX customer service and I believe this is illegal and they should be fined XXXX XXXX dollars because of the hundreds of millions of people they serve that they provide malicious business practices for

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 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
I have contacted this company repeatedly, and even with so far as the call them on XXXX at XXXX on a recorded line requesting info and was still denied such info. 
In turn, this company is reporting incorrect information to my credit report, and I am demanding that this prejudice information be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a senior citizen living and that State of Florida and have been defrauded by Wells Fargo Home Mortgage for {$870000.00} The XXXX XXXX XXXX Judge ordered Wells Fargo to provide me with a more affordable interest rate and lower mortgage payment so I could keep my home. I had suffered a XXXX XXXX that led to XXXX XXXX XXXX and fell behind because I was unable to walk so I couldnt work. Wells Fargo was in contempt of court Because they failed to do what the XXXX ordered and actually raised my payment and my balance. Wells Fargo then aggressively started to foreclose on my home even though the XXXX ordered them to help me. 
Wells Fargo forced me to sell my home for {$720000.00} less then its value by threatening to take my home if I didnt sell it for wholesale. Then when the mortgage was being paid off they raised my loan payoff from {$310000.00} to over {$440000.00}. They have committed serious fraud over and over so I am asking for help from the CFPB to help me recover the {$870000.00} I was defrauded of by Wells Fargo Home Mortgage. The loan number was 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 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XX/XX/year> I received a total of {$900.00} to my Venmo account Later that evening I was able to send {$400.00} to a friend 's XXXX When I tried to transfer the rest to my own bank, it was declined. I was then not able to send any more via XXXX or other sources. 

I contacted Customer Support and was told they were not sure why but my account was in good standings. She suggested I attempt a standard bank transfer which would take 3 days. I was unable to wait 3 days so I declined. 


XX/XX/year> I attempted again this morning to transfer funds out. I removed all bank information and tried adding again. O

nly one bank would attach to Venmo this time through Plaid and that said I was unable to transfer still. I also could not send money out, not even to another Venmo user. I then received an email that my account was suspended
and I needed to upload my ID. I did just that immediately, only to see it would now take 3-5 days for my account to be opened. 

I contacted customer support via chat. She says they have no information on why I couldnt transfer or why my account was frozen and only an account specialist has this info. She also told me that the specialist is not able to be contacted by phone or chat and I would have to wait the 3-5 days for this. 


I am unable to wait this long. There is no reason I should not have had access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Late/Closed

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 2025-01-02 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: CA

Complaint narrative:
Ive been dealing with the impact of unauthorized inquiries from your company on my credit report. These are harming my credit score and making things much more difficult for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2025-01-02 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: GA

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
On the XXXX of XX/XX/year>, my mother received a phone call from the National Service Bureau agency disclosing that a debt was owed on my behalf. The agent gave personal information about the nature of the debt. While threatening to suspend my license and arrest me. On XXXX of XXXX, another agent called my employer and told every detail of the debt again threatening to arrest me and suspend my license. On the XXXX of XXXX, my mother received a very aggressive call and was threatened with being held responsible for the debt. This company has given personal information to family members and employers. Ive been called all hours of the day and night and screamed at even after letting the company know a lawyer would intervene after the holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report. within four business days, pursuant to section 605C of the fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX. {$5500.00}, XXXX XXXX bal. {$370.00}, XXXX XXXX bal. {$530.00}, XXXX XXXX XXXX XXXX. {$530.00}, XXXX XXXX XXXX. {$6200.00}, XXXX XXXX XXXX. {$5200.00}, XXXX XXXX XXXX XXXX XXXX. {$660.00}, XXXX XXXX XXXX XXXX bal. {$38.00}.

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 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
According to the latest law suit Navy Federal should owe me monies due to illegal overdraft fees. I have yet to receive those fees. When calling the bank they simply tell me a letter will be sent to which nothing has still been sent. We as customers are getting the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation