vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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:
In reference to the following accounts : XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX alleged amount : {$3400.00} XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX, last XXXX of account # XXXX alleged amount : {$11000.00} XXXX ) XXXX XXXX last XXXX of account # XXXX incorrectly reporting late payments for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX ) First national credit card last XXXX of account # : XXXX incorrectly reporting late payment ( XXXX ) for : XX/XX/XXXX and XX/XX/XXXX. 

In accordance with the fair credit reporting act, the above list of accounts has violated my federally protected privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602A states I have right to privacy.

15 USC 1681 section 604A section 2 : states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681C ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681c ( A ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

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 2024-12-24 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: WA

Complaint narrative:
I lost my ID and all my personal stuff a while back and I guess people have been opening stuff up in my name, i want this stuff taken off please. Its not cool that its messing with my credit.

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 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: DE

Complaint narrative:
On XX/XX/year>, I filed a complaint about two unauthorized withdrawals from my checking account : {$790.00} & {$810.00}. My bank subsequently informed me that they have provisionally credited my account while they are investigating my claim. 

After several months of waiting, my bank rejected my claim and withdrow these amounts without notifying me ( verbally or in writing ). I found out when I saw that the money was taken out from my account. 

I called the bank and asked for an explanation. They just informed me that my claim was denied and if I'm not happy with their action, I should file another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am requesting a formal debt validation request, sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, Sec. 809 ( b ). In accordance with my rights under 15 USC 1692 ( e ), which prohibits false, deceptive, or misleading representations in debt collection, I dispute this debt and request validation through the following documentation : XXXX. A complete and detailed explanation of how you calculated the total amount you claim I owe, including all interest, fees, and other charges. 
XXXX. A complete accounting of all money paid or credited to this account, from the initial statement showing a zero balance through the final statement from the original creditor. This should include : o All payments made o All interest charges o All fees assessed o All other charges or credits XXXX. The exact date of the last payment received on this account. 
Under the FDCPA, you are required to cease all collection activities until you provide the requested validation. Any collection attempts during this validation period violate the FDCPA, Section 809 ( b ). 
XXXX XXXX - XXXX XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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 have enclosed supporting docs to support my dispuite on 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 2024-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
The complaint history all comes from the same mortgage originated ( twice ) XX/XX/2005 AND XX/XX/2005 by Wells Fargo Bank , N.A . In late XXXX XXXX I received a check for approximately {$5400.00} as a refund for the three payments made on a loan modification that was breached by Wells Fargo. We litigated, had three XXXX with " adversary actions '' because XXXX XXXX judges were bribed, and lost the house. 
Along comes this check with an invitation for MEDIATION. Since that time, I have been asked for documentation, they have split my " claims '' into two separate " categories '', I've been told twice that the origination claims are invalid ( XXXX XXXX XXXX XXXX XXXX' ), and then get ANOTHER letter saying they need more time to investigate ( I've got three of those now ). I've submitted TWO SETS OF ADDITIONAL DOCUMENTS. 
The Wells Fargo " XXXX XXXX XXXX XXXX XXXX '' calls and interrogates me as though this was a collection call on a past-due payment!!! They called XXXX! The XXXX XXXX will no longer be tolerated!!! 
As far as I know, no one from XXXX has had any input, but a hearing is " tentatively scheduled '' for either XX/XX/XXXX or XXXX. I had to tell their representative " XXXX XXXX. '' I refuse to speak with another Wells Fargo representative because, quite frankly, they're jerking me around, AGAIN! Please expedite this complaint, and see to it that XXXX really IS involved in examining this case of fraud, forgery, and bribery. 
Thank you. 
XXXX XXXX XXXX An electronic image of my signature shall carry with it the full force and effect as that of the original.

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BOA is wrongfully charging me XXXX days of CC interest and is receiving deposit interest by not transferring a credit card credit balance ( positive overage ) to another credit card balance due to " system limitations ''. Seems intentional that a company this size that receives and send electronic transactions can not transfer a positive overage balance from XXXX BOA card to another BOA card. 

XX/XX/year> BOA received and applied two separate payoff balance transfers for two separate credit cards. Both payoffs were applied to one card leaving one card with a credit balance and the other maintaining the balance. I requested a transfer on the card that has a credit balance be applied to the card with a remaining balance as intended. I was informed the systems to do not allow a transfer from card to card and a check would be mailed to me. After several calls, non receipt of a refund check, and XXXX not received I am being to asked to pay to the interest on a transfer that could have been easily done. As soon as I receive the funds from the overage XXXX will payoff the credit card with a balance.

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 2024-12-24 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: CA

Complaint narrative:
In review of my credit profile I saw some inquiries that did not belong to me.

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I've been a long-time PayPal customer ( XXXX years ) in good standing. On about XX/XX/year> I logged in and noticed that an automated payment had gone through which was greater than my PayPal balance, and had gone onto the PayPal XXXX, and I had incurred a {$30.00} late charge. I immediately put in a request for a transfer from my bank of funds in excess of what I needed to pay off the XXXX balance. My bank performed the transfer on the next business day. It took a full week for the money to appear in my PayPal account. When it did, I followed the procedure to immediately pay off the full XXXX balance from my PayPal balance. ( This involves being transferred to the XXXXXXXX XXXX  site. ) When I hit XXXX, I got the following message : " We are unable to make the requested updates. Please try again later. '' I tried many days in a row, getting the same message every time. I finally called the XXXXXXXX XXXX  help line and was told that the problem was occurring on the PayPal end, not theirs. I tried calling the Paypal line and was told that I was actually talking to XXXX. I was told that the payment wasn't going through because my card had been " deactivated. '' I've been using that card regularly for years but only for PayPal transactions -- I threw out the physical card. Now they say there is no way to pay off the XXXX balanace unless I order a new card and activate it ( and it takes XXXX days to get a new card ). Meanwhile I'm incurring penalty charges and who knows what it's doing to my credit rating. I don't see how they can deactivate a card that I use only for Paypal without informing me about it. And despite its being " deactivated '' they can still apply automated payments and penalty fees against it. I'm also complaining about the indecipherable error message they use that only results in confusion and further delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX my bank account was fraudulently charged or hacked and over XXXX XXXX dollars was taken from me I told my bank that i did not approve the transaction it was even flagged because it was an international transaction that I have never made ever my bank apparently still allowed it to go through and denied any of my claims to get money back the company that took the money was XXXX XXXX XXXX and my bank is XXXX I have tried to appeal this transaction XXXX times and have been denied all XXXX this is all the money I had

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I requested a XXXX and have not received it. Yet they are still reporting on my Consumer report as charged off and I still owe the loan. They also are garnishing my paycheck 20 %.

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 2024-12-24 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: VA

Complaint narrative:
I requested a 1099C and have not received it. Yet they are still reporting on my Consumer report as charged off and I still owe the loan. They also are garnishing my paycheck 20 %.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I requested a 1099C and have not received it. Yet they are still reporting on my Consumer report as charged off and I still owe the loan. They also are garnishing my paycheck 20 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion LLC XXXXXXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXX Dear Sir/Madam , I am writing to dispute inaccurate information on my credit report regarding an account with XXXX XXXX XXXX XXXX Upon reviewing my report, I noticed that it incorrectly reflects an outstanding balance. 

I have received a 1099-C Cancellation of Debt from XXXX XXXX XXXX XXXX which indicates that the debt has been canceled, and the balance should be reported as XXXX. I have enclosed a copy of this document for your review. 

The presence of an outstanding balance on my credit report is inaccurate and is negatively affecting my credit score. I kindly request that you investigate this matter and update my credit report to reflect the correct status of my account with XXXX XXXX XXXX, showing a balance of XXXX. 

Thank you for your prompt attention to this dispute. I look forward to your confirmation of the resolution and an updated copy of my credit report reflecting this correction. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Copy of 1099-C Cancellation of Debt ]

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 2024-12-24 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: NC

Complaint narrative:
I am writing to formally address and dispute several inaccuracies and unauthorized entries on my credit report, which stem from a data breach and fraudulent activity. These violations contravene my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B ( 15 U.S.C. 1681c-2 ) and 604 ( 15 U.S.C. 1681b ).

What Happened : Inaccurate Personal Information : My credit report contains multiple errors in personal information, including : Current Address : XXXX XXXX XXXX, XXXX, NC XXXX ( incorrect ). 
Previous Addresses : XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, NC XXXX ( incorrect ). 
Name : XXXX XXXX ( incorrect ). 
Date of Birth : XXXX ( incorrect ). 
Employer : XXXX XXXX XXXX ( incorrect ). 
XXXX Accounts : The following accounts are inaccurately reported on my credit file and lack proper validation : Child Support ( Account # XXXX ). 
Unverified Collections : My credit report includes the following collections, which I do not recognize : XXXX XXXX XXXX XXXX Account # XXXX ). 
XXXX XXXX ( Account ending in XXXX ). 
XXXXXXXX XXXX  XXXX ( Account # XXXX ). 
Unauthorized Inquiries : There are hard inquiries on my credit report that I never authorized, including : XXXX  XXXX ( XXXX ). 
XXXXXXXX XXXX XXXXXXXX ( XXXX and XXXX ). 
These entries on my credit report lack proper validation and original documentation demonstrating that I provided consent. This constitutes a clear violation of FCRA Section 604, which mandates that credit inquiries and account entries are only permissible with my explicit authorization. Additionally, under FCRA Section 605B, credit reporting agencies are required to block or delete information resulting from identity theft or fraud promptly upon receiving a valid dispute. 

I have never authorized these inquiries, accounts, or collections. Their inclusion on my credit report has compromised the accuracy and integrity of my file, potentially affecting my financial stability.

My Request : I am demanding : Verification of Proof : Documentation bearing my original signature or electronic authorization for each disputed account, collection, or inquiry.

Immediate Deletion : Removal of any entries
that can not be validated according to FCRA standards.

Correction of Personal Information : Updating my file to reflect accurate personal details.

This situation has caused unnecessary stress and inconvenience. I expect compliance with federal regulations and a prompt resolution to restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party 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 2024-12-24 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:
I have been trying to resolve issues with fraudulent accounts and incorrect personal information on my credit report, but despite mailing and calling several times, there has been no progress.

Company response to consumer: Closed with explanation