vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/XXXX I received a payment from XXXX for {$93.00} to my venmo account. I attempted to transfer the funds to one of my debit cards on file that I have used previously. It continued to give me error messages. I added my banking information and my daughter 's and tried to initiate the transfer. It said it transferred and I then immediately got an email that my account was suspended. I never received my transfer. 

I have uploaded the requested information repeatedly. I tried to speak to a customer service representative, unsuccessfully. I have received no information or response from Venmo. My account is frozen. In researching this appears to be a very common issue I desperately need this money so I can pay for my health needs! I want my money sent to me so I can then close my Venmo account. They are XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: GA

Complaint narrative:
I would like you to update my information and it is damaging my credit and preventing me from moving forward with my goals due to a low credit score. I ask you to please update my report and correct the information on 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 2024-09-14 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: FL

Complaint narrative:
XXXX XXXX case # XXXX account # XXXX XXXX  XXXX This company did not stop collection during a dispute XXXX they also still havent sent a validation of debt. This account is destroying my credit and is fraudulent. 

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2024-09-14 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: FL

Complaint narrative:
XXXX XXXX  case # XXXX account # XXXX XXXX  XXXX This company did not stop collection during a dispute XXXX they also still havent sent a validation of debt. This account is destroying my credit and is fraudulent. 

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2024-09-14 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: NJ

Complaint narrative:
This address XXXX XXXX XXXX XXXX NJ XXXX dose not belong on my credit report and needs to b e removed immediately

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 2024-09-14 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: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. 


XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX 
Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/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 2024-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan was transferred to Shellpoint and since then I have had difficulty using their online system. I tried to set up the automatic payment and initially system didn't allow. Then I thought the online set up went through. But I got a call from a representative from Shellpoint on XX/XX/year> that I haven't made the XXXX payment. I told her that I set up the automatic payment but she clarified it is not there. Then I made the payment over the phone and the representative confirmed that there won't be late fee. Since then I have called at least 2 more times to remove the late fee but last time I was told that it will be escalated to review. I told them that I was already promised that it would be waived. I have never received any additional communication back from them and this company is clearly taking advantage of the consumer .I would like to request to waive the late fee assessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: NY

Complaint narrative:
I sent in a letter via certified mail to the XXXX XXXX XXXX XXXXXXXX XXXX that was received on XX/XX/XXXX at XXXXXXXX XXXX. This letter states that they are furnishing innacurate information that is negatively impacting my ability to obtain credit and should be removed in 10 Calendar days. Today is now XX/XX/XXXX and the innacurate accounts are still on my report. I sent another notice to XXXX XXXX XXXXXXXX via priority mail of XXXX requesting my 1099-c on XX/XX/XXXX to which hasnt received a response. They are willfully noncomplying and it is damaging my credit profile.

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 2024-09-14 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: NY

Complaint narrative:
I sent in a letter via certified mail to the XXXX XXXX XXXX XXXX XXXXXXXX that was received on XX/XX/XXXX at XXXXXXXX XXXX This letter states that they are furnishing innacurate information that is negatively impacting my ability to obtain credit and should be removed in 10 Calendar days. Today is now XX/XX/XXXX and the innacurate accounts are still on my report. I sent another notice to XXXX XXXX XXXXXXXX via priority mail of XXXX requesting my 1099-c on XX/XX/XXXX to which hasnt received a response. They are willfully noncomplying and it is damaging my credit profile.

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 2024-09-14 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: MD

Complaint narrative:
According to XXXX XXXX XXXX ( b ) You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating XXXX XXXX XXXX ( b ). This account is closed on XXXX XXXX but they also show being reopened the same date of XXXX XXXX. This is fraudulent and I would like to have it investigated and removed completely from all three credit agencies.

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 2024-09-14 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: MD

Complaint narrative:
According to XXXX XXXX XXXX ( b ) You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating XXXX XXXX XXXX ( b ). This account is closed on XXXX XXXX but they also show being reopened the same date of XXXX XXXX. This is fraudulent and I would like to have it investigated and removed completely from all three credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: MD

Complaint narrative:
According to 15 USC 1681e ( b ) You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681e ( b ). This account is closed on XXXX XXXX but they also show being reopened the same date of XXXX XXXX. This is fraudulent and I would like to have it investigated and removed completely from all three credit agencies.

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 2024-09-14 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: VA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: EQUIFAX, INC.
State: FL

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 168XXXX. 

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 XXXX 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 2024-09-14 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: PA

Complaint narrative:
Please remove these 2 incorrect addresses off my credit reports immediately they are fraudulent and do not belong on my reports XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX directly. Unfortunately, these efforts have been futile as I was placed on hold for over 2 hours and received no substantive response or resolution. I request your immediate intervention to rectify this matter. The actions of XXXX XXXX XXXX XXXXXXXX and XXXX XXXX violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX violates this requirement. 2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXX XXXX XXXX XXXXXXXX and XXXX XXXX constitutes a breach of this statute. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. Thank you for your prompt attention to this matter.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My experian account appears to have been hacked somehow. Their lax security standards have made this possible. I am now unable to unfreeze my credit nor can I access the account I created for myself. and I am unable to reach a human for help in this matter

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 2024-09-14 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: FL

Complaint narrative:
All Student loans have been forgiven eff. XX/XX/year>. 3 Credit Bureaus reporting inaccurate information. Transunion still has the balance and XXXX. XXXX shows correct.

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 2024-09-14 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: FL

Complaint narrative:
All Student loans have been forgiven eff. XX/XX/year>. 3 Credit Bureaus reporting inaccurate information. XXXX still has the balance and Equifax. XXXX shows correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am one of the XXXX XXXX XXXX XXXX XXXX operating in various states, including Arizona and Florida. I have recently discovered that multiple credit card accounts were opened without my knowledge or consent. This issue came to my attention after my former business partner illegally removed both myself and my other business partner from several certificates of formations filed with the Secretary of State in Arizona and Florida. 

I also believe that my former business partner altered the operating agreements to his advantage in order to obtain these unauthorized credit cards and worked closely with a commercial lender or banker to assist in opening these unauthorized accounts, all while preventing us from having owner access to the credit cards and banking accounts. I can provide documentation to support this upon request. 
Both my business partner and I have contacted Wells Fargo on numerous occasions, starting from XX/XX/year> to the present, in an effort to conduct our due diligence. However, the bank has refused to acknowledge our requests. We have demanded the production of all originating documents related to the credit cards, as well as the credit card statements for all accounts payable under each Tax ID number. Additionally, we have requested bank statements from the inception of these entities on the banking side as well across the board. 

I informed Wells Fargo that I am listed as a partner on the original certificates of formation for multiple entities. We suspect that our former business partner, who was the CEO and the responsible officer for financial and tax reporting matters at the time, may have engaged in embezzlement and perhaps other crimes that are not to my knowledge. Despite this, Wells Fargo has refused to cross-reference all the Tax ID numbers associated with these entities, opting only to provide me with information tied to my Social Security number. It was during this process that I discovered a credit card account had been closed under one of the entities without my knowledge. After requesting the statements for this account, which I never had access to, I learned that the credit cards had been mailed to a different address belonging to my former business partner in another state. 
I discovered that these credit card accounts had been opened without my consent, and I had no access to them for the entire duration of their use. 
I have an open case with Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and was in communication with XXXX XXXX XXXX XXXX XXXX ) Please note due to the limitations allowed to upload. I can furnish more certificate of formation documents for the other entities upon request. 
Contact number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: MD

Complaint narrative:
According to 15 USC 1681e ( b ) You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681e ( b ). This account is closed. I would like to have it investigated and removed completely from all three credit agencies.

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 2024-09-14 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: MD

Complaint narrative:
According to 15 USC 1681e ( b ) You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681e ( b ). This account is closed. I would like to have it investigated and removed completely from all three credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: MD

Complaint narrative:
According to 15 USC 1681e ( b ) You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681e ( b ). This account is closed. I would like to have it investigated and removed completely from all three credit agencies.

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