vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 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: DISCOVER BANK
State: VA

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio
State: OH

Complaint narrative:
Both of the following accounts were opened fraudulently and I had no knowledge of them until they appeared on my XXXX credit report. 

The first was originally opened apparently XX/XX/XXXX at XXXX XXXX for {$750.00} and is now managed by Vance and Huffman. 

The second account was originally opened XX/XX/XXXX at XXXX XXXX XXXX for {$1100.00} and is now managed by XXXX XXXX XXXX XXXX. 

I have filed multiple disputes thru XXXX but the disputes were found to meet FCRA requirements. 

I have absolutely NO knowledge of either account and have never heard of or used either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I have disputed several things on my credit report and havent gotten a response at all and nothing has be 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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On or about XX/XX/XXXX, or XXXX, I called M & T Bank ( XXXX ) XXXX to the consumer management payment dept to ask if I could get a lower payment for my account ending in XXXX.I was told on that day, I should have not started back making payments. 

The XXXX $ that I am paying is only XXXX or XXXX dollars toward the balance of {$2500.00} because of the interest rate. I had no Idea this was going on when I would call to make payments, they never told me the balance only the payment amount. The young lady XXXX XXXX, XXXX, XXXX, stated she spoke to her supervisor and her supervisor stated it is a closed account, nothing could be done. 

Monday, XX/XX/2022, I called back requesting to speak to a supervisor I reached someone by the name of XXXX at XXXX. Then I was transferred to XXXX, Again I was transferred to XXXX, XXXX or XXXX  she refused to let me speak to a supervisor and told me the account is active, I should speak to that dept, where the active accounts are. I feel I should have been able to speak to someone with higher authority, I closed the account out and was not able to pay. M & T bank called me several times about making payments. So I tried to be in compliance with the bank, but I am not getting in where, soon the amount will be XXXX or more if this keeps up. 

I sure the bank has these recordings of the conversations on both days. 

Furthermore, I thought this dept was to help customers when there is a problem with their accounts, M & T bank called all day and evenings for collection.

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since the equifax breach I have been unable to work. My computers have been hacked into as well as my entire neighborhood. I have been accused of the data breach and without employment I am no longer to provided for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: GA

Complaint narrative:
Venmo has frozen my account I do not owe them any money. I have a balance of {$130.00}. XXXX in my venmo Account. When I call customer service they do Nothing But tell me that I will need to talk to the specialist team to unlock my account. The only way to communicate is through email. The Specialist team has not gotten back in touch with me its been over eight days and theyre holding my money. I have sent emails I have called. Nothing works but the tickets say solved. Nothing is solved because I still cant get my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
So this is the 2nd time its been on my credit report I got in contact with the first collection agency and disputed it off of my credit report around early to mid XXXX. Then this new collection agency on XX/XX/XXXX but this back on my credit report but its reporting a lower amount. This debt does not belong to me I have asked for proof and verification with letters. But there has been no response it has been months and its still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV is required by law to send correspondence debt of validity to my address. I havent received any debt of validity by mail. Failure to provide rights to dispute and reporting an alleged debt to the credit reporting agencies is against the law. Additionally, there has been active police investigations and reports filed due to identity theft for various credit accounts under my name. Immediate deletion of the credit reporting to credit bureaus is required as I am also sending this complaint to the CFPB as well for violating FCRA section 623 ( a ) as the data furnisher and the FDCPA for credit reporting an alleged debt without debt of validity being sent to me by mail correspondence to the correct address and reviewing active FTC ID THEFT reports and police reports before reporting this alleged debt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX. 
# XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX # XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, SD XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 15 U.S.C 1681 Section 623 ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX. 
# XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX # XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, SD XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MA XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, WI 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 15 U.S.C 1681 Section 623 ( a ) ( 5 )

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 2022-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was rebuilding my credit, until my card was restricted. And the the credit company and bank account wouldn't accept the payment. Just after making a large payment. The account went excessively over as if they wouldn't let me access my own name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I asaw money laundering going on in my name with Citizens Bank, I reported it & then saw activity going on in my name on XXXX computer screen & a HELOC I never used & took in myXXXX, I reported Citizens Bank, they came up with another amount of money I owed like in XXXX XXXX through XXXX I paid but hit hardasing phone calls saying I did not! I sent Citizens my bank statements, their statements & the checks cashed by Citizens proving I paid, but a few weeks later I got another letter saying I didnt pay after getting a letter saying sorry for the inconvenience! Citizens sent me a letter proving my point that my mortgage has been paid d sad ice XXXX ( because thats the year B I calculated & other legal agencies told me it has been paid. Once XXXX! I also Paid 4-6 times additional payments each year! A letter proving someone else has all my information was sent to me from the Office of the Chairman The individual put my entire social security # in the letter, said they look forward to doing further business with them & Im a XXXX XXXX  not in business as the letter refers & the signature is not mine!!! 
Cituzebs also has the date I purchased the home in XXXX & I have been living here as I bought on. XX/XX/XXXX! I got a HELOC I NEVER USED IN XXXX, Citizens writes XXXX & a mortgage loan in the amount of {$120000.00} also in XXXX which I didnt get & I was a victim of identity theft & as a result my credit score in XXXX Was a XXXX! Therefore all Their information is wrong & i keep getting letters saying they are escalating to the Office of the Chairman! 
I sent all proof to two ( 2 ) offices certified mail/return receipt requested & neither office received what I paid {$36.00}!? I also sent to t he r CEO, Executive Director & he coincidentally didnt get it at either addessss I sent evidence! 
I was to Told a para-legal, who is the only person I heard from is investigating for 6 years!? Every other bank in the country sees y if theft & fixes it except Citizens! I paid off my house in XXXX &, due to their illegal banking, I paid until XX/XX/XXXX! 
XXXXI put there were missed because according to what Citizens Bank writes, they say I Owe until XXXX & I oit my mortgage in XXXX & stopped Payments in XX/XX/XXXX overpaying approximately {$150000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I SPOKE XXXX ON XXXX AND SHE INSISTED THAT I NEVER SENT MY ID OR OTHER VERIFICATION. I ATTACHED ALL THAT INFORMATION HERE AND ACCORDING TO THE LAW AS WELL AS HER THOSE ACCOUNTS WILL BE DELETED IN 4 DAYS AND XXXX AND XXXX XXXX XXXX REVERT TO NEVER LATE PAID CURRENT.Pursuant to 15 USC 1681 ( a ) Consumer reporting agencies have a vital role in reporting verifiable accurate information and must delete all inaccurate, incomplete information immediately upon notice from the consumer. Equifax has deleted and fraudulent without warning reinserted the following deletion is admission violating the 15 USC 1681c-1 pursuant to a direct request with supporting documentation FTC Police report evidence of fraud and are willingly violating 15USC1681c-1 and I am seeking damages for defamation and lost of creditability. XXXX, XXXX XXXX, XXXX XXXX  all have been reinserted and should be permanently removed. XXXX XXXX  XXXX confirmation of forbearance past XXXX where sent certified and confirmed receipt however pursuant to 15 USC 1681 ( d ) investigative report the profound evidence provided was unnoticed and deceptively never updated evoking Pursuant to 15USC 1692E False or misleading Representation and ( f ) unfair practices and defamation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XX/XX/2021 purchased {$1000.00} in goods from XXXX XXXX, using PayPal. XXXX refunded {$410.00} XX/XX/XXXX and {$280.00} XX/XX/XXXX. The remaining funds of {$380.00} were supposed to be credited to PayPal within 4-6 weeks. In has been 8 weeks. I have an mail from XXXX dated XX/XX/XXXX stating that my missing refund of {$380.00} has been processed. I spoke with XXXX and PayPal XX/XX/XXXX, XXXX stated that the refund has be sent in XXXX parts : {$370.00} and {$9.00}. XXXX gave me transaction identification numbers for these transfers : XXXX and XXXX. PayPal was opening a case to find the missing money. PayPal sent me a note stating a refund was was received for {$410.00}. This is not the disputed amount. It seems that PayPal and XXXX are treating me like a ping pong ball with neither one taking responsibility for the missing {$380.00} due me. They hope that I will get frustrated and disappear, but this is nearly {$400.00} dollars of my hard earned money. These companies, especially PayPal, have been giving be the runaround for XXXX months. Please, Please, help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have disputed several things on my credit report and havent gotten a response at all and nothing has be 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 explanation
Consumer complaint received 2022-08-09 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
INQUIRIES ( stolen identity ) WF CRD SVC made a Bank XXXX Credit Card Inquiry by checking your XXXX XXXX XXXX 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 Contacted Wells Fargo on XX/XX/XXXX to dispute application and advise of fraudulent activity. 

XXXX XXXX XXXX  made a Bank XXXX Credit Card Inquiry by checking your XXXX XXXX XXXX XXXX fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 XXXX XXXXXXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your XXXX XXXX XXXX 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/2019, Called Capital one to try to remove late payment because it was wrongly reported. called on XX/XX/XXXX at XXXX XXXX REF call XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: AL

Complaint narrative:
Serval accounts on Equifax is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX called my job on XX/XX/2022 at XXXX XXXX. XXXX XXXX XXXX XXXX was told not to contact or call my job anymore. XXXX XXXX did not listen to my request to do not call my place of employment and they proceeded to call again on XX/XX/2022 at XXXX XXXX This is a violation according to15 USC 1692c : Also, XXXX XXXX has sued me and taken me to court and the judge dismissed the case due to XXXX not proving that I owed the debt and they did not show up.

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 2022-08-09 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: LA

Complaint narrative:
Multiple certified letters ( with Tracking # 's ) have been sent & received by Experian. I have requested, per FCRA laws multiple times for Experian to verify & provide me the proof per mail that the accounts ( through PROOF OF CONTRACT WITH MY SIGNATURE ) ; indeed, belong to me. Each time, Experian has updated my credit stating they have " verified '' that the account belongs to me, and not deleting the fraudulently reported & unverifiable through proof of signed contract account.

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