vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: MA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX5 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Inquiries : XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX  has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There is a hard inquiry on my TransUnion credit report from a XXXXXXXX XXXX XXXX on XX/XX/year> but didnt apply for credit or otherwise consent to a hard inquiry.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a XXXX XXXX that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. XXXX XXXX has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
am disputing an alleged debt of {$440.00} reported by XXXX XXXX XXXX ( XXXX  ) and originating from XXXX XXXX  ( PayPal XXXX  ). The claims related to this debt are inaccurate and unverifiable based on the following : Unrecognized PayPal XXXX  Accounts : XXXX linked the debt to two PayPal XXXX account numbers ( ending in XXXX and XXXX ) that I have never opened or authorized. 
I have had a PayPal account for XXXX  years, tied to my email address, but I have never had a PayPal XXXX account with digital account numbers as claimed. 
Positive Balance and Payment History : On XX/XX/year>, I received a XXXX payment of {$910.00}, which should have fully covered any outstanding balances. 
I maintain that my account had a positive balance, leaving no possibility of owing money. Despite this, XXXX XXXX  issued a statement for {$160.00} in XX/XX/year> without explanation. 
No Grammarly Purchase in History : XXXX  claims the debt includes a XXXX  purchase in XXXX, yet : My PayPal transaction history shows no such purchase. 
My XXXX  subscription was canceled on XX/XX/year>, as confirmed in an email from XXXX. 
Documents provided on XXXX 's website under this case show no transaction history for a XXXX purchase. 
Request for Validation Ignored : I have contacted XXXX XXXX  and XXXX  multiple times to request validation of the debt, including : Proof that I authorized the PayPal XXXX  accounts tied to the alleged debt. 
A full transaction history and explanation of how the {$440.00} balance was calculated. 
Confirmation of whether PayPal itself was consulted during this investigation. 
To date, neither XXXX XXXX  nor XXXX  has provided adequate validation of this debt. XXXX continues to report this collection to credit bureaus, harming my credit score, and has made repeated unauthorized credit inquiries.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> RE : Letter to Remove inaccurate information To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data to this account is reporting accurately including every notation, date and balance weather reported or not. 

Account XXXX XXXX Number XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payment were in fact late. By the provisions of the consumer protections laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors that have requested a copy of my credit report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided 15 days of the completion of your reinvestigation. I also read that under the federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate this items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete 30 days of receipt of this letter, or you must remove the incorrect information. 

Please send an update copy of my credit report to the above address. 

Thank you for your time and help with his matter. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: IL

Complaint narrative:
Dear CFPB, I initiated disputes with all three credit bureaus regarding inaccuracies on my credit report. However, I am concerned that my disputes may not be fully investigated. I kindly request that each bureau conduct a thorough investigation into my disputes and ensure they are not disregarded, including those submitted via mail. 

Thank you for your assistance.

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 2024-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Sometime in XXXX I began questioning my billing statement and how my payments were being applied cause suddenly I owed XXXX + the current month for a total of XXXX. I paid XXXX for XXXX on XX/XX/XXXX then on XX/XX/XXXX paid the XXXX, then on the XXXX paid XXXX for XXXX. XXXX XXXX wellsfargo calls to ask how I want them to apply the XXXX XXXX leftover after making my lone current. I said to any late fees. Then I get a billing statement saying I owed XXXX again. I began questioning this and was told to call customer service they said to call someone else they said they would have someone call me. No one called so I went back to bank, she filed another complaint asking for someone to reach me regarding my loan. Then comes XXXX I go in to get current on XXXX and XXXX. I'm told I owe XXXX again teller tells me that she agreed somthing was wrong and again requested someone contact me regarding my loan. She wouldn't take my payment cause somthinbg wasn't right it might disappear like my XXXX XXXX payment. So she requests someone calls me, I call and ask for the info no one calls and before I r my payment was late on XXXX the repoed my car. And say it will be auctioned on XX/XX/XXXX. Tow truck driver was rude and aggressive with my elderly father and refused to give M e a y proof he was asked to take car or that he took it. I've called wellsfargo every day and met with a local bank lady, I've spoken to executive who said XXXX was the case manager and she'd tell him to reach me. It's now XX/XX/XXXX and no one has even tried to talk to me about any of this

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 2024-12-29 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: IL

Complaint narrative:
Dear CFPB, I initiated disputes with all three credit bureaus regarding inaccuracies on my credit report. However, I am concerned that my disputes may not be fully investigated. I kindly request that each bureau conduct a thorough investigation into my disputes and ensure they are not disregarded, including those submitted via mail. 

Thank you for your assistance.

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 2024-12-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear CFPB, I initiated disputes with all three credit bureaus regarding inaccuracies on my credit report. However, I am concerned that my disputes may not be fully investigated. I kindly request that each bureau conduct a thorough investigation into my disputes and ensure they are not disregarded, including those submitted via mail. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: John C. Heath, Attorney at Law, PLLC
State: IN

Complaint narrative:
I agreed to hire Lexington Law as a credit repair specialist. I started them in XXXX of 2022. Almost an $ XXXXand nothing was done or removed from my credit. The company had no remorse of my actions on my credit. No help was provided. Nothing was removed only my money being taken. I wouldnt recommend this for no one

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
They were supposed to help me repair my credit back in XXXX  and I have instead lost money due to their lack of effort. When I asked they acted as if my account was messed up. I was literally paying for absolutely nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding Wells Fargos handling of a {$5000.00} check. 

Background : XXXX. Check Information Date : XXXX  Amount : {$5000.00} Payee : Myself, XXXX XXXX 2. Incident Details I deposited the above-mentioned check into my Wells Fargo account XXXX Subsequently, my account was closed, and the funds were held by Wells Fargo. 
Despite repeated attempts to contact Wells Fargo, I received no clear resolution and was told that the issuing bank ( XXXX XXXX  ) must initiate a formal claim. 
Recently, XXXX XXXX  submitted the claim as instructed. However, Wells Fargo now claims the funds were transferred to the Tennessee unclaimed property website. 

Issues : 1. Both I and the check issuer ( my friend ) searched our names on the Tennessee unclaimed property website and found no record of the {$5000.00}.

2. Wells Fargo failed to provide any notification or documentation regarding the transfer of these funds to the unclaimed property system.

3. This lack of transparency and accountability has caused significant frustration and inconvenience.

My Requests : 1. Please provide detailed records regarding the transfer of the funds, including the transfer date, amount, and any reference numbers associated with the transfer.

2. If Wells Fargo is no longer responsible for these funds, I request a written statement explaining the rationale and process behind this decision.

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 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
To Whom It May Concern, I am filing a complaint regarding XXXX unfair handling of multiple disputes related to unauthorized transactions on my account. Despite providing substantial evidence that I did not authorize these purchases, PayPal has consistently closed my cases in favor of the seller, XXXX XXXX XXXX, without a thorough investigation or fair resolution. 

Summary of Issues : Unauthorized Transactions : I never made the purchases attributed to my account for goods from XXXX XXXX XXXX. These include disputes for sports card products I neither ordered nor received. 

Lack of Due Process : I provided detailed evidence, including correspondence, transaction histories, and a clear explanation of the issue, but PayPal closed over XXXX cases without resolving the disputes fairly. 

Seller Misrepresentation : The seller provided false information, such as claiming I agreed to their terms and conditions, and submitted fabricated evidence to PayPal, which the platform appeared to accept without verifying its authenticity. 

Monetary Impact : The total disputed amount across these cases is {$10000.00} USD. ( that I know of so far ) These unresolved disputes have caused significant financial harm. 

Recurring Issues with XXXX Dispute Resolution : XXXX dispute resolution process appears biased in favor of sellers, as cases are often closed with generic reasoning that lacks transparency or justification. 

Actions Taken : I attempted to resolve the issues directly with PayPal but was unsuccessful. 
The cases have now been closed, leaving me no recourse within XXXX platform. 
Request for Assistance : I request the CFPB to investigate XXXX handling of these disputes and require them to provide : A fair review of the evidence in each case. 
Transparency regarding their decision-making process. 
Reimbursement for the disputed amounts. 
Attached to this complaint are : Case summaries with transaction details. 
Copies of correspondence with PayPal and the seller. 
Supporting evidence demonstrating unauthorized activity. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/year> RE : Letter to Remove inaccurate information To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data to this account is reporting accurately including every notation, date and balance weather reported or not. 

Account XXXX XXXX Number XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payment were in fact late. By the provisions of the consumer protections laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX status ( XXXX XXXX XXXX XXXX XXXX  ) and supply a corrected credit profile to any creditors that have requested a copy of my credit report in the last XXXX months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided XXXX  days of the completion of your reinvestigation. I also read that under the federal law, you have XXXX  days to complete your investigation. 

It is my understanding that you must validate this items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete XXXX  days of receipt of this letter, or you must remove the incorrect information. 

Please send an update copy of my credit report to the above address. 

Thank you for your time and help with his matter. 

Sincerely 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