vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: FL

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: AZ

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry 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 2024-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XXXX wife was tricked into buying a pair of sneakers from an ad she saw on XXXX. Through XXXX XXXX, the vendor began communicating great prices, great deals, etc. The vendor " XXXX XXXX '' " XXXX asked for this payment to be placed through Paypal and explained it must be labeled for XXXX XXXX XXXX  ; otherwise, customs would seize it due to XXXX XXXX. After being informed, I contacted Paypal immediately ( within 24 hours ) with all the information, including the tracking number, and told them that this was a scam, not a legitimate transaction ; even showing the address to be delivered to was not mine. I noted it was our fault for not knowing better, as I later explained to my wife how these scams work. Paypal reassured me the payments would be frozen, that the vendor would lose privileges on the site, and that everything would be okay. They just needed 24-48 hours to complete their investigation, and I would be kept informed. I received an email from PayPal stating that the case was denied and the transaction would be approved because it was labeled " friends and family. '' I immediately called Paypal and spoke with a supervisor who acknowledged that because it was not manually reviewed ( as they noted, the case was reported fraud and not legit ). It ran through the system because it was labeled " friends and family. '' It did slip through, and that mistake was on their end. They would manually re-open and escalate for me, and payment would again be frozen. I checked online, and my case was closed. I contacted them again, and management told me that even though it was accidentally electronically verified and not manually, there was nothing they could do, contradicting what they had already told me twice. They encouraged me to contact corporate to overturn, to find out that corporate has no direct contact numbers. I verified and filed a case with USPS as they confirmed this tracking number had been issued ( 8 ) eight times on that same day and delivered to the same address as mine was shipped to. I did alert the credit card company of this fraudulent purchase, as they also accepted the tracking number and confirmed my address vs. the " delivered address '' to support this scam. I am pleading for help ; I understand it is only {$100.00}. and could have been a lot worse, but it is more the principal now that PayPal allows such transactions and does not support the consumer even when given information to support the consumer 's claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

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. 

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There are XXXX banks on my credit report that have amounts owed that I disputed for fraud. XXXX XXXX, Bank of America, and XXXX XXXX. 

XXXX XXXX charge amount {$3200.00} XXXX  XXXX charge amount {$6300.00} Bank of America- charge amount {$5900.00} These credit cards were opened in 2016 and I filed a report with the XXXX XXXX Sheriffs office XXXX XXXX XXXX TX XXXX I gave each company info on my fraud claim with XXXX XXXX. I sent them back up such as documented proof of other institutions that researched and determined that my identity was used fraudulently.

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 2024-10-31 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: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off 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 personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I purchased XXXX money orders from Western Union at {$500.00} per money order. {$2500.00} in total. I gave them to my landlord and after XXXX weeks he said that XXXX money orders were returned to his bank as refer to maker. He gave me paperwork from his bank. I have been unsuccessful at trying to get refunded {$1500.00} that is not accounted for. I can't get them to cooperate and send me photocopies as proof that they were cashed. I sent emails of all documents they requested, I paid {$15.00} for XXXX additional money orders as payment for the request for photocopies and still they can't trace anything or claim they haven't received anything. I mailed and emailed all paperwork that they requested to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: CO

Complaint narrative:
my car needed repairs to the tine of XXXX, i got pre-qualified and then officially approved. it was income based and i had to put in my bank account information. after i got approved it said it was interest free for XXXX days and i let the XXXX XXXX know and they started repairs. after the repairs were finished XXXX XXXX called me and said they were done and they would send me the contract. the contract says i have to pay back the XXXX before the 90 days or the total automatically goes up to XXXX. om currently paying XXXX a month and it's automatically taken from my bank on pay day, processed XXXX days before so i have no option to stop it. i told them this interest rate was illegal and they said it wasn't interest it was a fee and i explained that they advertised it as interest free for 90 days but they're technically saying it's completely interest free and there's just a huge fee and this advertising makes no sense. I'm trying to get a loan to pay it off but i don't have the best credit and everywhere wants a secured loan and i have a bonded title and can't put my vehicle against the loan. the current loan is killing me and i have no options for a co signer and no idea what to do. i didn't get the full terms of the contract until after the repairs were done and i had no choice to sign. in order to pay it off in time I have to make XXXX monthly payment of almost XXXX from the beginning instead of the XXXX monthly payments of XXXX I'm paying. I've barely managed to stay afloat but I'm now overdrafted and i won't be able to pay rent on time this month. i don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: IL

Complaint narrative:
I am refilling the complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX, Wells Fargo sent me check for {$770.00}. The cover letter did not explain what the check was for but it did reference my mortgage loan account number. I did not cash the check. On XX/XX/XXXX, Wells Fargo wrote again asking me to cash the check. I did not. 
Since XXXX I have been in litigation in SC state court regarding my XXXX mortgage loan. Among other things I have learned that Wells Fargo forged my loan application along with supporting documents to either underwrite my loan application or to create a justification for denying my modification requests. In addition, I discovered that the man who closed the loan was not a licensed attorney as required by SC law. 
I was a class member in the litigation titled In Re : XXXX XXXX " XXXX  '' Mortgage Marketing and Sales Practice Litigation, Case No. XXXX. Although the case was settled, I was denied a mortgage modification, as were most class members. Now, I understand that a new class action lawsuit has been filed regarding these unexplained checks, XXXX XXXX XXXX Wells Fargo et al., Case No. XXXX. I am interested finding out about these checks and their connection, if any, to my state litigation as well as my continued interest in obtaining a mortgage modification.

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 2024-10-31 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: AZ

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry 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 non-monetary relief
Consumer complaint received 2024-10-31 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-31 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: CA

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 explanation
Consumer complaint received 2024-10-31 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:
Open XX/XX/year> Balance : {$1400.00} Under the FDCPA, I am entitled to dispute the validity of this debt within 30 days. If you are unable to validate the debt, I request that you cease all collection activities and remove any negative information related to this debt from my credit report, as outlined under the FCRA.

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 2024-10-31 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: GA

Complaint narrative:
Open XX/XX/year> Balance : {$1400.00} Under the FDCPA, I am entitled to dispute the validity of this debt within 30 days. If you are unable to validate the debt, I request that you cease all collection activities and remove any negative information related to this debt from my credit report, as outlined under the FCRA.

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 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I conditionally accept your offer upon proof of claim that JPMorgan Chase N.A.can provide the original charging instrument for the above mentioned accounts, pursuant to the UCC you must be the holder in due course of the original charging instrument otherwise you may not make a presentment. If you provide the original charging instrument, I will gladly pay the remaining alleged balance. In addition, I conditionally accept your offer upon proof of claim, you provide the 1099-OID which shows who the repentant and issuer of the funds are because it is to my knowledge that I am the issuer of said funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-31 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: AZ

Complaint narrative:
Its upsetting to realize that my rights as a consumer are being ignored. Like anyone else, I place a high value on my credit score, as it plays a crucial role in my financial stability and future opportunities. Unfortunately, the errors in my credit report have had a negative impact, affecting both my financial prospects and my peace of mind. Ive been trying to correct these issues for quite some time, but my requests have been consistently overlooked or dismissed, leaving my concerns about these inaccuracies unresolved.

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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I got an alert on my phone from my banking app that someone took the following amounts of debits from my family 's checking and savings account with XXXX XXXX  on XX/XX/XXXX. After calling the fraud department from XXXX, they said that Portfolio Recovery Associates took the money as a garnishment for a judgement against me. I have never been contacted or alerted by this company to any debts or money owed. I've only been contacted twice about garnished wages from financial hardships I endured in XXXX from the loss of my job and from family medical issues. Both of those were settled after I was notified of the garnishments. My extended family and employer were receiving harassing phone calls a few months ago about a debt I owed, but that information wasn't passed along to me. Nor did I ever authorize or agree that anyone could call my place of work or my sister, brother, father, and friends that they can discuss any debt on my behalf. Upon talking with my family and coworkers, they said Portfolio threatened to sue me and they discussed I owed them money with my family and co workers. 

Portfolio never alerted me to any debts owed, or collection attempts. On top of that, XXXX of the accounts I had at XXXX were for my XXXX XXXX XXXX daughters work paychecks. Since she is a minor, I opened an account for her to collect her direct deposits from work. 

{$250.00} {$1000.00} {$390.00} {$53.00} {$2800.00} {$75.00}

Company response to consumer: Closed with explanation