vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : - Creditor/Company Name : XXXX  - Account Number : XXXX - Inaccurate Information : - The XXXX report lists the account as having " 0 months ( terms ), '' which is inconsistent with TransUnion and XXXX, which correctly report " XXXX  months ( terms ). '' This inconsistency creates confusion and misrepresents the accounts terms. 
- XXXX includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' which is not present in TransUnion or XXXX reports, suggesting unresolved disputes. 
- The " Date Last Active '' is listed as " XX/XX/year> '' in XXXX, whereas TransUnion and XXXX correctly report " XX/XX/year>. '' - The " Date of Last Payment '' is reported as " XX/XX/year> '' by XXXX, while TransUnion and XXXX accurately list it as " XX/XX/year>. '' - XXXX includes comments regarding a " CONSUMER STATEMENT, '' while this field is blank for both TransUnion and 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report regarding a collection account that has been resolved. The account in question is identified below : kindly ask that you take into consideration the challenges I faced during the pandemic and the impact it had on my ability to manage my finances. I am actively working to resolve these issues, and I request that my credit report be updated to reflect the accurate status of this account. 


Date opened XX/XX/year> Account number XXXX Balance {$XXXX} Account number XXXX Balance {$XXXX} XXXX Date opened XX/XX/year> Account number XXXX Balance {$XXXX} XXXX Date opened XX/XX/year> XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am a victim of identity theft, and my personal data has been used and purchased through ChexSystems. I am requesting that a reinvestigation be conducted because I have submitted new documents that support my 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 2024-12-11 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: GA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts and have no knowledge of their origins. Under USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.

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 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX placed XXXX collection accounts on my credit reports ( XX/XX/XXXX ) ) before the debts were properly verified. I did not receive proper service regarding the alleged debt prior to its placement on my credit report as well as they filed judgments against me putting liens on my home. I was served lawsuit papers in XXXX of XXXX which again, was before the debt verification. I have disputed these accounts several times and they came back as accurate and updated. Account balances and payment history had to be updated as there were several inaccuracies. XXXX has also placed the judgments against me with incorrect balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Credit card 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Many phone calls and robo calls. When I answer, nobody responds or says anything. I emailed about a year ago to send me all the original paperwork with my signature for verification of this debt. Instead I receive a threatening email that a warrant will be issued for my arrest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
n 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. XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-11 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: OH

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy rights.

Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf. and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer.

Please delete the following items from my credit report immediately Addresses Collections Names Inquires Accounts These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws Thank you for your immediate attention to this matter. I look forward to your timely response. 
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 non-monetary relief
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit file. I am a victim of a data breach, and these items were added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Fraudulent Accounts : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, 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 t
he banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX i made a deposit of {$XXXX} at a wells fargo atm located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. After the atm counted the money i hit confirm and i waited till the screen said thank you see you again soon, after that i walked away and checked my account and everything was fine. Next day in the morning i check my account and i don't see the deposit anymore i filed a claim and nothing happened they just keep telling me oh wrong department.

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 2024-12-11 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: GA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
MY CFPB COMPLAINTS GET CLOSED AND THE CREDITOR NEVER FIXES THE PROBLEM. APPEARENTLY HAVING A LAWYER IS NOT ENOUGH WITH THIS COMPANY. I HAD MY LAWYER REQUESTED PROOF IN THE FORM OF A CANCELLED CHECK OR WIRE TRANSFER CONFIRMING THE AMOUNT THAT WAS PAID TO XXXX XXXX XXXXXXXX XXXX XXXX TO REFINANCE MY MORTGAGE AND PROOF OF PAYING XXXX XXXX XXXX XXXX XXXXXXXX TAXES ABOUT A YEAR AGO AND THE SERVICER HAS NOT PRODUCED ANYTHING. I GOING TO PAY OFF MY MORTGAGE BALANCE IN FULL AND NEED A PAYOFF STATEMENT AND SN SERVICING CORPORATION HAS HAD OVER A MONTH AND STILL HAS NOT PRODUCED THE PAYOFF STATEMENT. IT APPEARS THAT WHEN I BOUGHT THE HOUSE IN XXXX I WAS SOLD THE " XXXX XXXX '' I REFINANCED WITH XXXX XXXX ON XX/XX/XXXX AND THERE IS NO PROOF OF XXXX XXXXXXXX PAYING ANYONE. THE XXXX XXXX XXXX XXXX SHOW THAT THERE IS NO XXXX ON MY HOUSE LOCATED AT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS NO RECORD OF BEING PAID THE PROPERTY TAXES EVEN THOUGH I PAY THE CREDITOR THE MONTHLY MORTGAGE PAYMENTS WITH THE PROPERTY TAXES. IT APPEARS THAT THE DOCUMENT THAT THE CREDITOR IS CALLING A MORTGAGE IS A DEED OF TRUST OR SOMETHING SIMILAR. THE CREDITOR CLAIMS TO HAVE PAID OFF THE XXXX XXXX XXXXXXXX XXXX XXXX IN XXXX WHEN I REFINANCED WITH XXXX XXXXXXXX BOTH XXXX XXXXXXXX AND XXXX NOT XXXX XXXX XXXX XXXX BOTH HAVE NO BANKING RECORDS TO SHOW WHAT AND IF THE EXISTING MORTGAGE WAS REFINANCED AND HOW MUCH WAS PAID. THE CREDITOR FILED THE SATISFACTION OF MORTGAGE OVER XXXX  YEARS LATER ON XX/XX/XXXX AND STILL HAS NO BANKING RECORDS TO SHOW PAYMENT WAS ACCUTALLY MADE. IT ALSO APPEARS THAT THE CREDITOR IS CHARGING ME FOR THE PROPERTY TAXES AND NOT PAYING THE PROPERTY TAXES. THE DOCUMENT THAT CONTAINS THE NOTE AND THE MORTGAGE RECORDED IN BOOK XXXX PAGE XXXX DOES NOT APPEAR TO BE A MORTGAGE BUT A DEED OF TRUST. PLEASE TAKE A LOOK AT THE ATTACHMENTS AND SEE FOR YOUR SELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-11 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: MD

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-12-11 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: MD

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-12-11 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo sent me an email stating that there was " unusual '' activity on my account. 
I never use Venmo so the first thing I wanted to do was close the venmo account. 
The representative refused to close the account. 
I was asked to send verification of identity documents including my drivers license. 
I complied with their request and they are still not allowing me to close my venmo account.

I called again, again I was told I can not close my venmo account by one of their random customer service reps.

Here 's the thing. I never even wanted Venmo. I don't want them having access to my information in case of a breach. The only reason I opened a venmo account in the first place was because we needed to pay a videographer for copies of my son 's play that was performed at XXXX XXXX XXXX XXXX. 

I want to close my account. I should not be told " no we can not close your account. '' A bank would never do such a thing. Neither should Venmo. I want these losers out of my life. Please contact them and have them close my account. I can call them again but things will get heated and escalate quickly. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation