vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Please have all XXXX bureaus delete the following account I been reaching out to them to ask investigation but they always come back saying it been verified. 
There verification is not accurate I have the a proof for them to remove the following account immediately I won't wait XXXX hours Waiting for them to hurt my credit and preventing me for doing my rights of living my life Accounts : XXXX XXXX XXXX XXXXXXXX XXXX SEE ATTACHEMNT OF THE APPROVE LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
In XXXX close to XXXX of 2022 I traded in my camper to XXXX XXXX for another camper. 
the camper I traded in was with M & T bank. Once the trade was complete it showed that my account was closed and I financed my new camper with another bank. As of end of XX/XX/2022 i was receiving phone calls from M & T bank to call them, Once I was able to talk to someone they told me that i was 4 months past due on making a payment. I told them there is no way thats possible cause the loan i had on that collateral was traded in to XXXX XXXX that I even dont own that camper anymore. So i called XXXX XXXX  They called the bank and spoke with them and sent them all the documents that the camper was traded in and resold to another customer. During this time i was promised by XXXX XXXX and M & T bank that while they were trying to figure all this out that my credit was not going to be impacted. Well as of Friday XX/XX/XXXX was notified by XXXX XXXX that there was a change in my credit so i looked into it and shows that M & T bank has reported me as deliquent on payments with them. This is falsely reported considering This account shouldnt be open or even in my name. I was told to file a report before taking legal matters as to where this has hurt my credit tremendously.

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 2022-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I received an auto loan from Professional Financial Services in XXXX of 2022. I got the vehicle from XXXX XXXX XXXX. At that time I was never informed that I was able to rescind my contract, if I found anything wrong or false in the contract or if I'm unhappy with the vehicle. I was also told that I was required to pay a down-payment to drive off the lot with the vehicle. I also never received a full sales contract detailing this " consumer credit transaction ''. I have asked numerous times for a contract so I can thoroughly review it in detail, and I have gotten nothing but harrasing phone calls when they want me to make a car payment.

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 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
PayPal limited my account 2 years ago, associated with the email XXXX. I had an outstanding balance on the account amounting to {$980.00} which they promised they would be releasing after 180 days but have never allowed withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/22 {$440.00} XX/XX/22 {$290.00} Wells FargoXXXX Disputed transaction as they were atm withdrawals made outside the country. Wells Fargo declined my claims without proper reasoning.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX  XXXX ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I already tried to reach out with the Credit Bureaus regarding these collection issues with but is still not being resolved.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I already tried to reach out with the Credit Bureaus regarding these collection issues with but is still not being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Please have all 3 bureaus delete the following account I been reaching out to them to ask investigation but they always come back saying it been verified. 
There verification is not accurate I have the a proof for them to remove the following account immediately I won't wait 24 hours Waiting for them to hurt my credit and preventing me for doing my rights of living my life Accounts : XXXX XXXX XXXX XXXX XXXX SEE ATTACHEMNT OF THE APPROVE LETTER

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Please have all 3 bureaus delete the following account I been reaching out to them to ask investigation but they always come back saying it been verified. 
There verification is not accurate I have the a proof for them to remove the following account immediately I won't wait 24 hours Waiting for them to hurt my credit and preventing me for doing my rights of living my life Accounts : XXXX XXXX XXXX XXXX XXXX SEE ATTACHEMNT OF THE APPROVE LETTER

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I thought paid all my electricity bill with XXXX XXXX after I sold my first home. XXXX XXXX also provide service to my new address. i am paying the bill on time on my current address. Then I received a collection letter from XXXX XXXX XXXX XXXX telephone Number : XXXX. I made the full payment in the amount of {$120.00}. I have the proof of receipt. They also charged me few dollars more for making the payment over the phone. 

Almost after a year later i received another statement from Bull City Financial solutions , INC. telephone XXXX regarding the XXXX XXXX bill for the same amount {$120.00}. i explained to them i already paid, emailed them receipt but They were asking us to pay again. 

I reached to XXXX XXXX and explained my current situation. I was able to make the payment with XXXX XXXX because they said they haven't receive the payment from XXXXXXXX XXXX XXXXXXXX XXXX. I reach out to XXXX XXXX XXXX they are telling me to contact XXXX. Bull City financial asking me to pay them. 

I paid Twice 1st time with XXXXXXXX XXXX XXXX and 2nd time with XXXX energy directly. 
My Credit Score is going down I am unable to get good rate be because of my Credit Score. 
It is fraud, I should not pay more than one time. 
Please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
Fay Servicing LLC and XXXX XXXX XXXX somehow messed up the payoff balance after the XX/XX/2022 settlement. Each are blaming the other and are saying I am responsible? I was not aware of this until the week of the XXXX of XXXX 2022 when XXXXXXXX XXXX  called me and said something about they both paid on the escrow and I had to go to the courthouse and get the {$1800.00} check and cash it and send them {$1700.00}. Called Fays during the same period and on same day and they said they returned the payoff of XXXX because it was suppose to be XXXX. Now I am no genius but that is a difference of XXXX so why did XXXX need {$1700.00}? It changed two more times too {$690.00} and I believe {$1900.00} some? Have attachments I hopefully am able to send one includes Fays charging me XXXX house payment of {$1300.00} and now a XXXX recent payoff I requested on XXXX 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kashable LLC
State: AL

Complaint narrative:
I have no knowledge of this account. I have sent out a debt validation letter XX/XX/2022 and haven't heard any responses from the company. I have filed identity theft with The FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
My MasterCard was previously administered by XXXX XXXX  and worked fine until it was taken over by Comenity at this URL : https : //d.comenity.net/XXXX I was promised {$100.00} cash back after spending {$500.00} and never received it, though I spent {$800.00} by XX/XX/2002. 

I also have XXXX Reward Points which I am unable to redeem for {$25.00}, despite many attempts, including today. Every effort leads to the Website freezing up. 

Moreover, Comenity misrepresented the offer of points earned, as they pay only 50 % compared to other banks. Their entire operation appears to be based on deceiving the customer. 

I have sent numerous emails to the company but they did nothing to remedy the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Good Morning, Yesterday, XXXX, I attempted to link my TD Debit Card with my new XXXX XXXX  account, and I couldn't. Apparently, it seems that my debit does not match the name TD Bank has me banking with. In other words, my debit card does not post transactions in account # : XXXX. And it should be. My card should NOT. reflect XXXX XXXX XXXX, and a different name on the back ( in their system ) ; let alone in a CLOSED account. 

This seems to be the reason why I still have not seen or received {$67.00} from the incident CFPB reference # : XXXX dated on XXXX. 

So, please tell the bank they need to ensure my Debit Card chip needs to be tied to the account that reflects my name in their system ; not XXXX 's name, XXXX, XXXX, XXXX, or anyone elses ' name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Thank you for taking the time to review this complaint. I applied for and was approved for a Capital One credit card, received the card via mail and then Capital One refused to activate the card. For further background I am a long standing Capital One customer and am XXXX XXXX military XXXX XXXX XXXX with need for a card with no foreign transaction fees. The card application was approved on XXXX XXXX and the card was received several weeks later. I then spent the next three weeks going back and forth with Capital One trying to get the card activated. This included sending verification documents including proof of residence, Social Security card, drivers license. During my final discussion with the customer service representative and a supervisor XXXX XXXX they explained that they could not verify my documents and that the account would be permanently closed. No explanation was given with regards to why the documents could not be verified. I asked if other military members have had similar problems, but this was denied and no resources were given to work around this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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 an account without my written instructions.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX/XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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 an account without my written instructions.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 with antedates the report by more than seven years.

15 U.S.C 168sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX  ) 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 with antedates the report by more than seven years.

15 U.S.C 168sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TN

Complaint narrative:
Hundreds of Robo calls And voicemail messages

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