vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 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:
To Whom It May Concern, I am writing to dispute inaccurate account information that is being reported on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing sections 602, 604 ( A ) ( 2 ), and 1666B of Title 15 USC.

Under 15 USC 1681 section 602, I have the right to privacy regarding my credit information, ensuring that it is accurate and reflective of my financial history. 15 USC 1681 section 604 ( A ) ( 2 ) further emphasizes that a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. 

Upon reviewing my credit report, I have noticed discrepancies that are in violation of my rights under the FCRA. Specifically, I am concerned about late payment notations on certain accounts. According to 15 USC 1666B, creditors are prohibited from treating a payment on a credit card account as late under any open end consumer credit plan, for any purpose. See Attachments...

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 2023-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-08-30 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased several cases of XXXX XXXX XXXX XXXX XXXX for my bathroom from lowes and after 60 days my contractor was finally able to install it however the planks kept coming apart on the long way and splitting so after the second case, and consulting with a second contractor, we attempted to return the unopened boxes to Lowes who then refused to return them ( well within return window ) I eventually called Synchrony bank but was given the run around and was refused multiple times to file a dispute. Eventually when I was granted the ability to file a dispute, I was told it would take 60 business days to render a decision and I would not get credit before that time. I agreed because my card was paid in full anyway, but at the conclusion I was told it was not found in my favor because I didnt return the merchandise. I asked to speak to an escalation agent because I had attempted numerous times to return the merchandise but lowes refused each time the agent then stated she would contact me within 10 days to let me know the outcome. I received a call from Syncrony approximately 9 days later stating that the dispute had been found in my favor and since I had no balance I would be receiving a refund check for XXXX it took me a week to cash it because I had just had XXXX, but was thrilled, until a month later when I got a alert on my credit monitoring stating I had a new charge of XXXX and 95 % credit usage on my Synchrony card. I called and disputed it, and it dropped to {$0.00} but then right back up it went. I still have the photo of the check and have the copy of the stub attached to it saying refund however now Synchrony has been forcing me to make payments monthly or ruin 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 2023-08-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I already submitted my original complaint, Nelnet actually sent me my copy b 1099 C which means my student loan debt has been paid. They claimed I falsified documents but this document Im attaching clearly says its from Nelnet Inc and they accepted my tender of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
There are several inaccuracies and inconsistencies with this report from the national credit adjusters. In the credit report on all three bureaus, it does not state who the original creditor is. They are also several inconsistencies and inaccuracies with the open/closed account dates. The open/closed account date are all different, inaccurate, and inconsistent. I also have reason to believe this occurred due to fraudulent activity and identity theft with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Initially contacted by XXXX XXXX XXXX XXXX ( address follows ) via letter through the XXXX dated XX/XX/2023. They are trying to collect from a PayPal account that is not mine. I have never had a PayPal account nor is the email account referenced is not mine nor ever has been. 

I responded to their letter ( see XXXX XXXX XXXX XXXX letter dated XX/XX/2023 ) that I filled out the bottom of the form and mailed it back to them within XXXX days. ( see enclosures ) I received another letter from XXXX XXXX XXXX XXXX dated XXXX XX/XX/2023 with information from PayPal a list of XXXX transactions that were listed as either " Chargeback for '' and " Dispute Fee ''. Each had their own email addresses, again, none that are related to me. 

I have sent a letter to both PayPal and XXXX XXXX XXXX XXXX requesting them to discontinue further efforts to collect this invalid debt. This is a very distressing situation as I have never had this happen before. 

I have sent another letter to both XXXX XXXX XXXX XXXX and PayPal denying the account was mine following the FDCPA dated XX/XX/2023 ( enclosed ). 

Your assistance is greatly appreciated to coordinate closure of this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX PayPal XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Byrider Franchising, LLC
State: OK

Complaint narrative:
In 2015 my vehicle which had XXXX insurance was totaled out. Insurance paid the majority of what was owed on the vehicle and cnac told us that the XXXX insurance that was purchased through them would take care of the the remaining balance. However they keep adding it back to my credit report as it is a new debt and it is currently owed. This is well over the time limit of them being able to report said debt, and they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: IL

Complaint narrative:
I noticed an erroneous amount balance showing up on my Experian Credit Report, so I filed a dispute immediately concerning a previous Loan with XXXX. 

All payments were made on time each month and this amount should not have been showing as outstanding. XXXX did not work in good faith with Experian to resolve the dispute in a timely manner.

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 2023-08-30 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:
They several times charged me overdraft fees when they shouldnt have

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 2023-08-30 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:
I hope this message finds you well. I am writing to address a matter of utmost importance regarding my credit report. It has come to my attention that my rights, as outlined in 15 USC 1681c-2 and 15 USC 1681b , are being violated due to fraudulent activity on my account. I am a victim of identity theft, and I have taken the necessary steps to report this incident to the Federal Trade Commission ( FTC ), as indicated by the FTC report filed under reference number [ XXXX ]. 

I understand the critical role that credit reporting agencies play in maintaining accurate credit information, and I am reaching out to request your immediate assistance in rectifying this situation. The fraudulent accounts that have been opened in my name are causing considerable distress and potential financial harm. :

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 2023-08-30 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: VA

Complaint narrative:
XXXX XXXX accepted my 1099 C and sent me copy B for my student loan tender of payment and then they tried to accuse me of falsifying information when my tax document clearly says its from XXXX XXXX in the upper left hand corner. I want this wiped off my credit report 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 explanation
Consumer complaint received 2023-08-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX accepted my 1099 C and sent me copy B for my student loan tender of payment and then they tried to accuse me of falsifying information when my tax document clearly says its from XXXX XXXX in the upper left hand corner. I want this wiped off my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am writing in regards to a past account XXXX with XXXX XXXX for a XXXX XXXX XXXXXXXX. I am requesting to have the late charge payments from XXXX to XX/XX/XXXX that shows up in my credit report, erased and for credit bureaus to be notified of this change after no due diligence from XXXX XXXX to investigate the issue and correct it, in accordance to credit protection during XXXX. 

The reason for this request is because at the time I was experiencing some severely difficult financial hardships as well as mental health issues, as explained to XXXX XXXX at the time. I have evidence of letters sent to XXXX XXXX and responses that led to no resolution. 

I managed to pay it off in full and continued making payments on time without any late payments after that. I asked to not be condemned and have my credit affected negatively during a difficult time. Before investigating my rights with a lawyer, XXXX DID NOT tell me that I could pay off the late balance to avoid repossession. They threatened to repossess the vehicle and charge off my account. I let them know I knew my rights and they let me pay off the late balance and full, restored my account in which I made no late payments until the remainder of my time with the vehicle. 

I would be greatly appreciative if you could help me with XXXX, who has been evasive in helping to remove late payments from XXXX XXXX XXXX XXXX XXXX and report changes to credit bureaus. 

Please let me know if you have any questions. 

Best, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: PA

Complaint narrative:
My name is 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I have a checking account with Associated Bank that received fraudulent charges last year that cleared my account overnight. 
I filed disputes and followed all instructions. They have only returned 2 transaction barely totaling {$50.00}. $ XXXX was taken. I contacted the companies, they see they charges were made under different account from all over the country and I am not the holder of any of those accounts so they can not reverse the charge. They said the bank has to contact them. XXXX has evidence of the person who committed the fraud but can only release the information to my bank. My bank has never contacted XXXX. XXXX hub states they still have not heard from Associated bank. 

Today I wanted to complain and they froze my account to review!! I have no access to my money for asking for an update on money I'm owed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: CA

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account ( email : XXXX ). I strongly believe that this limitation is the result of a misunderstanding or an error. I have always been a responsible and compliant user of PayPals services, adhering strictly to the platform 's policies.

I would like to assert that I have not engaged in any activities that could violate PayPal 's terms of use or policies. Its crucial for me to highlight that I highly value the services PayPal offers and the seamless experiences it provides for online transactions. I have taken great care to ensure that my account is used within the boundaries of PayPals guidelines.

I kindly request PayPal to reconsider this limitation by re-evaluating my case comprehensively. Mistakes can happen, and I am hopeful that upon review, it will become evident that my account does not warrant a permanent limitation. I am ready and willing to cooperate fully with any investigation that may be required to rectify this situation. 

I understand the importance of maintaining a safe and secure online ecosystem, and I fully support PayPal 's commitment to this objective. If there has been any unusual or suspicious activity associated with my account, I assure you it was not of my doing. I am dedicated to resolving this matter and regaining access to my PayPal account. 

I kindly request that PayPals team of experts re-investigate my case with utmost consideration. If the situation warrants, I sincerely hope that you will see fit to reinstate my account, allowing me to resume the normal use of PayPal 's services. 

I appreciate your attention to this matter and your understanding of the urgency I feel to resolve this issue. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
paid company in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In 2015 my vehicle which had XXXX insurance was totaled out. Insurance paid the majority of what was owed on the vehicle and XXXX told us that the XXXX insurance that was purchased through them would take care of the the remaining balance. However they keep adding it back to my credit report as it is a new debt and it is currently owed. This is well over the time limit of them being able to report said debt, and they will not remove it.

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 2023-08-30 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:
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. 
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 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 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 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 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 These have violated my rights per 15 U.S.C 1681. 15 U.S.C. 1681 section 602 A : States that 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. 15 U.S.C. 1681c ( a ) ( 5 ) 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 that antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) states : 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 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