vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was ripped off by a guy on XX/XX/XXXX. He posed as a PayPal employee, and he ripped me off for over {$6500.00}. A police report was filed on the XXXX. I also filed a report with the FBI. Then yesterday, XX/XX/XXXX, I found out, that my credit score had lowered from XXXX down to XXXX, and upon investigation, I found out that a venmo credit card was opened using my info, on the XXXX of XXXX. I have had a venmo account for at least a year already, but I did not have a credit card with them. I had received a credit card from them a few days ago and just thought it was something they were sending out, because I have had an account with them for over a year. Then yesterday I signed up for the credit card monitoring service through XXXX, because I went to apply for an XXXX XXXX credit card, so I could purchase some music, and I was declined. I was thinking how could I get declined if my credit score was XXXX just a couple months ago, and once I got the XXXX monitoring service, I noticed that the credit card was opened on the XXXX of XXXX, and that it had already had a balance of {$1900.00}, and so the PayPal thief got a credit card opened up under my name and I guess did a cash withdrawal of the money. I was told to file a report with the FTC and so I got directed through the FTC to file it through you guys.

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 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All three  credit bureaus are reporting false information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: GA

Complaint narrative:
You provide credit reporting information to your partners efficiently through a digital system. 

With this in mind, it is unreasonable and inconvenient for you to only offer the ability to request a copy of my NCTUE Disclosure Report through a slow and inefficient automated phone system or through the mail. 

With this in mind, it is unreasonable and inconvenient to require consumers to call different phone numbers, each requiring their own verification, to place freezes and fraud alerts. 

The complexity of this process indicates that NCTUE intentionally tries to make it difficult for consumers to exercise their rights. 

In addition, NCTUE does not comply with 12 CFR Part 1022.137 ( a ) ( ii ) ( B ), and does not provide a way to file a complaint with the NCTUE and the CFPB in the FAQ section of their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
We in the process of contacting the credit bureaus to investigate the 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 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi I'm attaching a document for incorrect information reported on my credit report. Attached are two supporting documents stating that a payment was scheduled to be made XX/XX/XXXXout of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.

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 2023-02-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi I'm attaching a document for incorrect information reported on my credit report. Attached are two supporting documents stating that a payment was scheduled to be made XX/XX/XXXXout of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi I'm attaching a document for incorrect information reported on my credit report. Attached are two supporting documents stating that a payment was scheduled to be made XX/XX/XXXX out of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XX/XX/22 timeshare help {$10000.00} After preforming a minor audit of my finances I found this fraud charge after filing a claim with capital one I am told they cant do anything because its over 180 days old. I explained to them that I XXXX XXXX XXXX XXXX and take care of wife who is XXXX XXXX XXXX XXXX, and therefore I don't always verify every charge monthly. As soon as I found this I reported it. I found fraud on a different account and didn't have any of these problem I don't understand why Capital One would treat me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
URGENT HELP- This is regarding a Debt the only Debt that is only Credit Report on all credit Bureaus, I have been trying to resolve this matter for the past XXXX to no avail. At this point I am trying to close on a home and this debt on my credit report is stopping everything in its track. I have contacted the XXXX XXXX, which was XXXX XXXX XXXX XXXX  {$480.00}, which they never sent me any documentation stating this account was mine or that it had been sold. I then get which is now what is appearing on my credit reports XXXX XXXX XXXX XXXX XXXX, which I have contact them on countless times, non the less I have not received any written documentation only what appears on my credit report. Then I get a email from a company that is called XXXX, which states that they now have the account and that they will settle the account, however when i contact them, the advice that they do not have the account that XXXX has the account and then XXXX says they have the account so it's been the run around, no one can give me any documentation or no one can tell me if this is my account of at this point how do i pay it off. They can not even tell me whom i can pay it too because everyone is denying they have the account this is stopping me from getting pre-approved for a home, these are the numbers the contact numbers and the account numbers XXXX reference number to XXXX ORIGINAL CREDITOR LAST XXXX DIGITS XXXX, I have never received any reference number or any XXXX I am not sure what number this belongs to. Documentation from XXXX or any account number or reference number it is just on my credit reports, XXXX XXXX, XXXX, XXXX. At this point I wish to have this REMOVED off all XXXX credit bureaus as soon as possible of if someone can please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-03 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: MI

Complaint narrative:
15 USC 1681 Sec. 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I also do not have a contract with the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not provide me with the original application, I also asked for a wet-ink signature under the penalty of perjury of someone with knowledge of the matters attested to. 

Also under 15 USC 1681 Section 602 A I have a right to privacy.

They're reporting inaccurate information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I HAVE SEVERAL CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AND DID NOT AUTHORIZE. THE INQUIRIES ARE BELOW. 
EXPERIAN XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, 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:
These inquiries do not belong to me and I did not authorize them. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX 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 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 XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I dont know why my PayPal account gt permanently limited. Iys been yeara and has a good transactions. I dont see any misuse to my account. I just want it to get back and restore please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # 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 a 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 2023-02-03 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I had a credit card with XXXX XXXX  that I paid off back in XXXX or XXXX. When I paid it off I told them to close it because I had only gotten it for tires, however they did not close it and someone gained access to it and maxed it out. I have disputed the transactions with XXXX, and was told that because whoever used the card new the cvv code ( they had the physical card because it was not in my possession so of course that had the cvv ) and they knew my zip code ( a simple google search of my name would have given them this, and my name is also on the card ) that the transactions were valid. Theyve now reported the account as a charge off and sent me to collections, so I disputed the account with experian and they stated that the creditor says the account is accurate but its not and Ive been trying to get this fixed for over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Ive been with Wells fargo ever since I was a child since Wachovia bank. Ive trusted Wells Fargo after the transition. But ever since Ive been with them, Ive been charged overdraft fees numerous times. At least multiple times a month for 10+ years. Times I had the funds and they were late to process payments that were already made but get charged overdraft fees to cover payment I had already made but my funds were process late on Wells Fargo behave which made my overdraft. I have the thought of leaving Wells Fargo but I only stayed because Ive been with them since my parents open my first account with them since I was a child.

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 2023-02-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
Credit report has been merged with someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I had an debt opened on my credit XX/XX/XXXX for {$4100.00} the original creditors name is XXXX XXXX XXXX but it was sold to NATIONAL CREDITORS SYSTEMS. I have disputed this debt XX/XX/XXXX stating, I am requesting the original purchase agreement that shows you are the legal owner of this alleged debt, please include all terms and conditions in this purchase agreement and the completion date of this dispute was to be XX/XX/XXXX I've had no response on it or completion and it is still impacting my credit, I would like this removed from my credit as it was filed fraudulently because I don't owe anything to this company and have not received any documents or notices of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I HAVE SEVERAL CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AND DID NOT AUTHORIZE. THE INQUIRIES ARE BELOW. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I HAVE SEVERAL CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AND DID NOT AUTHORIZE. THE INQUIRIES ARE BELOW. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: GA

Complaint narrative:
I did not authorized the companies listed in the photo to view my credit report.

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