vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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: CT

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 Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-12-13 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: Westlake Services, LLC
State: CO

Complaint narrative:
I called Westlake financial to notify them that I never got disclosures that I was due pursuant to 15USC6802 they sent me my payment history After months of back-and-forth, they told me that they'd send it in a privacy policy at the end of the year. I told them that I wouldn't have to wait till the end of the year. Because these are disclosures I shouldve go supposed to have got at the beginning When I got the auto. I stopped paying them and notified them. That I was going to take action if I didn't receive my disclosures. They then altered my contract on my auto loan. So I continued to not pay Until the legal department reached back out to me which they had and done for months at this point. And their reporting to consumer reporting agencies incorrec And their reporting to consumer reporting agencies incorrectly. An repoed my car this morning

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 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

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 2023-12-13 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: IA

Complaint narrative:
The account of XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality. 
15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A section B. States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C inaccurate credit reporting directly impares and undermines the banking system and public confidence. 

I would ask and recommend that XXXX XXXX ACCOUNT be takin off of my credit and consumer reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I took out a TD retail card for XXXXXXXX XXXX XXXXXXXX for {$4100.00} on XX/XX/XXXX. 

The account has the wrong mailing address and wrong last name. Furthermore, none of my 3 payments were processed. I was not informed of this by the company, instead I got a XXXX XXXX notice several months later in XXXX that my score decreased by XXXX points. I was also unaware that I had the following charges : - XX/XX/XXXXXXXX  I was charged {$29.00} late fee - XX/XX/XXXX I was charged {$40.00} late fee - XX/XX/XXXXXXXX  I was charged {$40.00} late fee Total : {$100.00} This is predatory and fraudulent because I did not receive any emails that the payments did not go through or that I had late fees. However, I received confirmation emails the 3 times I submitted payment that each payment was processed. Due to the credit company 's OWN error of having the wrong mailing address, I never received any paper notices that money was past due. I thought this whole time that I was in good standing, and not aware of the issues until AFTER the card services reported 2 missed payments. 

- XXXX, paid {$440.00} over the phone to bring my account to good standing so I could update my address. I was told they could reach out to the credit bureau to remove the false late payments. Customer service could not tell me why the payments were not processed, and blamed this on me. 
- XX/XX/XXXX, called to confirm the payment was processed, and was told my address was still incorrect, I owe more money, and that the company does not contact the credit bureaus. 

Prior to this I submitted payment : - XX/XX/XXXX {$1000.00}, email confirmed received XXXX, {$800.00}, email confirmed received XXXX, {$1000.00}, email confirmed received Total : {$2800.00} I am requesting that all late fees be reimbursed, that the 2 late payments be permanently removed from my credit report, and that my credit score be adjusted to what it was prior to those 2 marks. 

I have never missed a payment in over 7 years, this is the first incident, and it is not even my fault. My highest score in XXXX was XXXX before all this. I appreciate your understanding and help to resolve this dispute and reinstate my correct credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XXXX  I made a payment of {$190.00} via destiny website to pay off entire balance. XXXX  I only had {$100.00} of credit when I should of had {$300.00}. On XXXX I still did not have entire available credit of {$300.00}XXXX XXXX XXXX I checked to make sure I had available credit there was a balance due of {$290.00}. I checked the balance transaction and after XXXX   somehow a reverse charge payment of {$190.00} shows on my account which made me have a balance of {$290.00}. I called XXXX Concorda credit and XXXX states that " there was insufficient funds in my account when they I made the payment ''. The payment took three days to deduct and even on XXXX XXXX I had {$190.00} in my account to deduction to pay this card off. I am now getting hit with a return check fee of {$29.00}. Funny how this charge or charge back was never mention to me on or about XXXX XXXX XXXX and the due date for a payment is XX/XX/ how convenience this {$290.00} balance shows two days from a payment due date. This company is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: NY

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 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Sent money to someone for a purchase on XXXX XXXX. Sent money with XXXX through Wells Fargo. Realized it was a scam. I was told that I couldnt receive my money back. The sellers name was 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 2023-12-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank acquired accounts from BBVA. Since then, there have been persistent issues with the payment structure that were not consistent with the terms set by BBVA. Despite assurances from the bank that the matter would be addressed and rectified, there has been no substantial progress or resolution. I have reached out to your customer service team on multiple occasions, and while they have acknowledged the error and expressed PNC Bank 's liability, the issue remains unresolved. The lack of action has caused significant inconvenience and frustration on my end. I understand that errors can occur during the transition of accounts, and I appreciate your efforts to address them. However, the prolonged duration of this issue has led to financial stress and a negative impact on my credit profile. As a loyal customer, I have always valued the relationship with PNC Bank and its commitment to customer satisfaction. Therefore, I kindly request a goodwill adjustment to rectify the negative impact on my credit due to the ongoing payment structure issues. PNC BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. This account that needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
About a month a ago i mailed a dispute letter to Experian reporting inaccuracies found on my consumer credit report. I have not received a response and my Experian report is still showing inaccuracies. This is a violation based on 15 USC 1681 ( i ). As a federally protected consumer and based on the attached reports, Experian violates the following : 15 USC 1681 - Accuracy - for failing to maintain accuracy of reporting based on the attached documents highlighting inaccuracy of reporting : 1 ) employment history 2 ) credit score 3 ) address history 4 ) number of late payments 5 ) account number 6 ) date reported 7 ) inquiries 8 ) payment history for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  days late 10 ) late payments. 

The FCRA requires the information furnished on the consumer report be accurate and complete, to include the account number, if it is reported. In addition to the numerous inaccuracies reported, Experian is only reporting the I.I.N. ( Issuer Identification Number ) or B.I.N. ( bank Identification Number ) of the card/account number, it is impossible to determine if this account is even mine. 
Experian is also in violation of 15 USC 1681 ( b ) - Permissible Purposes. Experian has never received a permissible purpose to furnish any information on/to my consumer report. Also Experian violates 15 USC 1681 ( b ) - Permissible Purposes- due to furnishing inquiries on my consumer report that are not open accounts. Unless Experian can provide documentation verifying that I, the consumer, have an open account with any company listed as an inquiry, the inquiries. 

Experian also violates the Privates Act of 1974 ( 5 USC 552 ( a ) by obtaining all address through a third-party agency.

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 2023-12-13 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: AR

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration with the multiple unsuccessful attempts to remove fraudulent items from my credit file. Despite numerous communications and submissions of supporting documentation, the fraudulent entries persist on my credit report, adversely affecting my financial standing and causing considerable distress.

I have made numerous efforts to rectify this situation, including submitting identity theft affidavits, police reports, and other supporting documentation to verify the inaccuracies in my credit report. However, despite my best efforts, the fraudulent items remain unresolved.

The persistence of these inaccuracies has had a significant impact on my ability to secure credit, obtain favorable interest rates, and negatively influenced my overall financial well-being. I am deeply concerned about the potential long-term consequences if this matter is not promptly and effectively addressed.

I kindly request that you thoroughly investigate and promptly resolve the issues outlined above. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and providing a clear plan of action to rectify the inaccuracies on my credit report.

If the necessary steps are not taken to address this matter promptly, I will have no choice but to escalate my complaint to regulatory authorities and seek legal advice to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : 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 2023-12-13 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:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: PA

Complaint narrative:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding my credit report. After a thorough review, I have identified several accounts that I believe are a result of identity theft. I demand the immediate removal of these accounts as the reporting entities have failed to provide sufficient evidence to verify the legitimacy of the debts. I have attached copies of my Federal Trade Commission ( FTC ) Identity Theft Report, filed under report number XXXX, as well as supporting documentation to substantiate my claim. I request a thorough and immediate investigation into this matter, and I insist that you comply with the FCRA by removing these inaccurate and fraudulent accounts from my credit report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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