vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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: MD

Complaint narrative:
This is my 2nd complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX 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 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 explanation
Consumer complaint received 2023-04-20 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: SC

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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Fair Debt Collection Practices Act - 807. False or misleading representations

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 2023-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased a car XX/XX/2021 the amount financed was {$12000.00} it was my first time buying a car off the lot so I wasn't aware of how they would take advantage of me. So as I'm reading my paperwork I can see that the car lot and bank is in a lot of violations. First they never explained to me the extra charges or the finance charges and when I went in I went for a consumer sales transaction but was charged a who different type of transaction I spoke with XXXX different people at the lot about the situation but to no avail I also spoke with the bank and all they did was send a copy of the paperwork I already have. They are in violation. 

Usc 15 1611 ( 1 ) give false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulations issued thereunder. 


USC 15 1605 ( a ) XXXX XXXX in connection with any consumer credit transaction shall be determined as the sum of all charges.

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 2023-04-19 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: MO

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. 

XXXX XXXX : # XXXX, XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-04-19 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: MO

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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-04-20 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: SC

Complaint narrative:
The following inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/2023, my sister sent me funds via transfer from XXXX XXXX They were sent to my PayPal account which is linked to my XXXX. Upon logging into my PayPal account, choosing instant transfer to my linked bank account, I received an error stating that it could not be processed at this time - try again later. In choosing other transfer options- was informed with the same error message. I have been trying to receive/transfer the funds for over two weeks now, reached out to PayPal support only to be told that there is a security concern, they dont know what it is, and that I should wait 48 hours - yet, GREAT NEWS, everything on my account is fine! Upon expressing to the representative that I have been trying to do this for two weeks, receiving the same error, I was told, again, that I could either wait 48 hours or try to send the money to someone else such as a friend. I was sent the funds to pay for personal expenses, such as gas and food. Due to the inability to receive those funds, I have been unable to utilize the money sent. I requested to speak with a supervisor, who informed me of the same options. They have no way of releasing MY funds to me.. and they are unsure if waiting the 48 hours will offer the release of those funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXXXXXX XXXX XXXX I was advised of a financial settlement by Wells Fargo for their slimy fraudulent practices. The settlement instructs Wells Fargo to negotiate with the plaintiffs. I have submitted documentation of the havoc Wells Fargo has wrought on my life. Since XXXX, I have been strung along while they researched my claim. To date, nothing. I have even been denied access to their legal counsel. I reiterate that the judge ordered negotiation. They stated they are unable to find documentation. This, although I was told that there is proof that a fraudulent account was opened at a branch near my old address. It has been proven that this was a scam to inflate WF customer base. Even with their executives facing jail time. Ive been advised by counsel that even if WF computers were decommissioned, hard drives are bagged as evidence with a subpoena issue. This was demonstrated in an action against XXXX XXXX XXXX. I do intend to contact my senator and representatives regarding bringing forth my concerns to whatever financial committee can be advised. I have attached pictures of the paperwork from years ago, one of which has the credit card with a limit of XXXX dollars maxed out and a letter from a collection agency. Honestly the level of aggravation and chaos, to not even be able to buy a car or have a roof over my head is incalculable.

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 2023-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Please correct these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 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: PA

Complaint narrative:
My name is 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 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 2023-04-20 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:
I have an XXXX account showing that they keep sending other collection companies to collect as well as them. I explained since 2020 that my ex husband fraudulently opened this account under my name and was to be responsible for it and or removed from my credit report. They will not remove and continue to send collection notices in XXXX  names and other companies- the other company was already removed but XXXX  keeps popping up. 

I also have several credit cards that show lates when they were closed and opened with different account numbers due to lost card XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX THESE ACCOUNTS WERE PAID AND OR NEVER LATE. They were closed but forgotten during the pandemic and remained opened with annual fee or interest accruing when I closed. I asked for the recorded messages to prove my case but was never given any Information. 

My XXXX XXXX account was discussed due to the pandemic and a letter was given and corresponded with multiple representatives as I asked for loan to be worked with over time and allowing the payments to be added on the end or reduced until I was well and able to fully work. 

The only creditor that stood by their word was XXXX XXXX. 

Ive been trying to rebuild since my divorce and the pandemic and the creditors are from another country, so not listen to requests or provide proof of recorded discussions or signed paperwork. 

I am also unable to find out why my checking account record is showing negative when accounts were closed and paid with proof when I was going through my XXXX XXXX XXXXXXXX sealed record divorce. I did provide the settlement. Agreement for the accounts he was responsible for but was overlooked and didnt care. 

I am rebuilding and trying to buy a house and start a business and its necessary for my credit report to be accurate and not have a low/ poor score due to companies not reporting correctly. 

Please help review all- Equifax XXXX XXXX XXXX and XXXX. If you view my entire history you will see my history. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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:
I have an XXXX account showing that they keep sending other collection companies to collect as well as them. I explained since 2020 that my ex husband fraudulently opened this account under my name and was to be responsible for it and or removed from my credit report. They will not remove and continue to send collection notices in XXXX  names and other companies- the other company was already removed but affirm keeps popping up. 

I also have several credit cards that show lates when they were closed and opened with different account numbers due to lost card XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX THESE ACCOUNTS WERE PAID AND OR NEVER LATE. They were closed but forgotten during the pandemic and remained opened with annual fee or interest accruing when I closed. I asked for the recorded messages to prove my case but was never given any Information. 

My XXXX XXXX  account was discussed due to the pandemic and a letter was given and corresponded with multiple representatives as I asked for loan to be worked with over time and allowing the payments to be added on the end or reduced until I was well and able to fully work. 

The only creditor that stood by their word was XXXX XXXX. 

Ive been trying to rebuild since my divorce and the pandemic and the creditors are from another country, so not listen to requests or provide proof of recorded discussions or signed paperwork. 

I am also unable to find out why my checking account record is showing negative when accounts were closed and paid with proof when I was going through my nasty XXXX XXXX XXXX XXXX  divorce. I did provide the settlement. Agreement for the accounts he was responsible for but was overlooked and didnt care. 

I am rebuilding and trying to buy a house and start a business and its necessary for my credit report to be accurate and not have a low/ poor score due to companies not reporting correctly. 

Please help review all- XXXX XXXX XXXX XXXX and Experian. If you view my entire history you will see my history. 

Thanks 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 2023-04-19 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Approximately 4 weeks ago I realized some erroneous / derogatory information was being reflected on my credit reports. I first called the companies to try to resolve and make sure no further charges occurred as I believe that I am a victim of identity theft. I then submitted disputes with XXXX, XXXX, and XXXX. I could really use some help trying to sort this out and want accuracy. This is negatively affecting me and my credit. The accounts do not belong to me and I never opened or applied for credit with these companies. Was it done in-store or online? Is there a photo id or signature verification? What City and State did this fraud happen in? Is there PROOF that these accounts/ debts belong to me? 
I had a primary residence for 15years ( XXXX to XXXX ) ; then lived at a friend 's house for 1yr 7mo ; and have been at my current address since XXXX ( 4yrs 5 mo ). This can be substantiated with change of address status thru the USPS as well as filed tax returns. I never benefited or received any merchandise, products, or items including lines of credit, loans, or finances since I did not shop or order from these companies. 
The companies falsely reporting against me are : XXXX XXXX XXXX Comenity Capital BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I placed order XXXX with XXXX on XX/XX/2023 for XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was provided with tracking number XXXX, and a package was delivered on XX/XX/2023. The package, as confirmed by XXXX, weighed XXXX pounds and was the incorrect shape. Looking on XXXX own website, XXXX weighs XXXX pounds. When I opened the package, I found that XXXX sent me a dual monitor mount instead of what I ordered. I contacted XXXX via their chat feature on their website and was told to bring the item into the store. I told the person I was chatting with that I did not want to have to argue with the store when I got there, and that the store would not understand the scenario. I was assured that would not happen. On XX/XX/2023 I drove over an hour away to a XXXX store at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, paying numerous expensive tolls to get there, and was immediately told that the store was not aware of the scenario and they could not help me. They refused to take their item, and refused to give me a refund. 

At this point I involved Chase and was told to file a dispute. I did so, and Chase on XX/XX/2023 decided that XXXX was just in their actions. They claimed that XXXX proved they delivered an item. I called Chase to follow up, and was told about a whole new process I must go through to have them look at it again that involves sending in a letter with numerous pieces of evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: MS

Complaint narrative:
On or about XX/XX/XXXX, XXXX Bank started the transfer of their loans to PNC Bank, with PNC Bank taking over on XXXX XXXX. We had an auto loan with BBVA, with our payments on automatic draft. We were unaware and not notified of this change. Our drafts stopped, so we mailed checks to BBVA, with all of them being returned. We did our own research and found out what change had taken place, so we asked for the correct mailing address for payments, PNC could not give me any info on my loan, including payoff, payment or loan balance. I sent payments, and they were also returned. In XX/XX/XXXX, PNC Bank reported our account as a charge off, after PNC sent a repossession company to pick my vehicle up and receiving money over the phone from my checking account, along with XXXX mths of payments setup for draft, to catch up the payments we had tried to so desperately send to both banks for several months. We were also unaware the reported a charge off on this account until we called for a payoff on XXXX XXXX and the dealership said they couldnt pay a charge off account and PNC would not give them a payoff amount or why it was charged off. I want this charge off removed from all credit report agencies immediately, as I feel as if PNC Bank and BBVA Bank failed to notify us of such a drastic change, leaving us in the dark of where payments needed to be sent, or that our loan had even been transferred to them. PNC Bank did not have our correct address in their system either.

Company response to consumer: Closed with explanation