vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 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: NJ

Complaint narrative:
I acquire my credit report and asked the credit bureaus to check and make sure everything was complete and according to 15 usc 168i5 I waited 30 days and received my investigation and notice was still the same. the consumer reporting agencies which is XXXXXXXX XXXX and transunion did not modify or removed anything late payments are not correct please i would like you to remove the late payments which is a violation. this is impacting me from moving forward to buying a house for my family i attach my previous credit report and my new credit report to show how experian violated my rights the date open is no correct.date las active is not correct on all three credit reports, date last payment is not correct on three credit reports

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 2023-02-27 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: NJ

Complaint narrative:
I acquire my credit report and asked the credit bureaus to check and make sure everything was complete and according to 15 usc 168i5 I waited 30 days and received my investigation and notice was still the same. the consumer reporting agencies which is XXXX, experian and XXXX did not modify or removed anything late payments are not correct please i would like you to remove the late payments which is a violation. this is impacting me from moving forward to buying a house for my family i attach my previous credit report and my new credit report to show how experian violated my rights the date open is no correct.date las active is not correct on all three credit reports, date last payment is not correct on three credit reports

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 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I was robbed at XXXX XXXX  and had everything taken from me including my wallet along with identification and ss #. I have a police report as records and from thus robbery accounts was opened up in fraud in my name and was put in chex systems.

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 2023-02-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My address and names on my report still reporting wrong I've ask them to update information but they refuse too...

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 2023-02-27 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: FL

Complaint narrative:
XXXX professed on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and preconditioned achieved lawful Permissible Purpose, and or is not factually true obedient as it is currently reported. Please DISLODGE from reporting right away! 

XXXX XXXX XXXX alleged on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and needed achieved lawful Permissible Purpose, and or is not factually true docile as it is currently reported. Please ELIMINATE from reporting immediately! 

XXXX XXXX XXXX stated on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and responsibility achieved lawful Permissible Purpose, and or is not testimonial adherent as it is currently reported. Please REMOVE from reporting immediately! 

XXXX questionable on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and burden to achieved lawful Permissible Purpose, and or is not factually true docile as it is currently reported. Please ELIMINATE from reporting at once! 

XXXX XXXX XXXX leery on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and onus to achieved lawful Permissible Purpose, and or is not factually true compliant as it is currently reported. Please REMOVE from reporting 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 2023-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX MT, I initiated a call to PayPal to discuss an inapp notification I received about my billing address being incorrect. 

I had a simple request : tell me what address was provided by the merchant when they submitted the transaction. 

The first customer service rep I spoke to ( rep 1 ) said they couldnt help. I then asked them to transfer me to their fraud department who would have more visibility into XXXX. They proceeded to place me on hold for over 20 minutes only to be transferred to their supervisor ( rep 2 ). Rep 2 reiterated they couldnt help and proceeded to transfer me yet again. I waited in hold an additional 30 minutes. When rep 3 answered the phone they had not been correctly told what my call was about and were simply told I demanded a supervisor ( not true ). Rep 3 then went on to tell me debit cards do not use addresses to be verified and they just work. They continued to tell me they werent going to do anything to help me because cards dont use addresses after theyve been delivered. They then hung up on me. 

Im not sure how PayPal pretends to be legitimate financial institution when their representatives are not properly trained in how financial systems work.

My question remains. Both the merchant and I agree that the address we have matches what PayPal expects yet PayPal disagrees even though the address matches my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
XX/XX/2023 @ 7:40XXXX received a text message that my number was changed on my chime banking account. I did not change my number, I attempted to log in and lock my card so I could contact support. Within a matter of minutes someone was able to transfer money from my checking and savings account to a whole different bank that I do not use or have knowledge of. I immediately contacted support to let them know this was not my doing or authorized and filed a dispute that same day. They stated they would look into it and not even 48 hours later they made a decision that no error was found and I would not receive my funds backs. No documentation of the investigation was given and I refused to let this go and ask that they open it back up. Reported them to XXXX and will take legal action if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
Online savings account opened XX/XX/XXXX and had over XXXX deposited to it other the time it was opened until it was closed by Marcus on XX/XX/XXXX. The balance at closing was {$100000.00} and they closed the account when I started transferring to another bank as their service was horrible. When the account was closed, I received an email letting me know so I called and was told a check was going to mail out to my XXXX Kentucky address even though I had updated my address to my XXXX Florida address but that was OK, that was over 1 week ago. Then I received a letter from Marcus dated XX/XX/XXXX stating the disputed account was closed and to call with questions. I called today, XX/XX/XXXX and after waiting online for over 30 minutes, was finally told that the funds were sent to unclaimed funds and they would check with that area and send out a check now. I asked why this was the case when I was told over a week ago that the funds were being mailed to my XXXX address and the girl just said she didn't know, there wasn't anyone I could talk to and I could wait a couple of days and call back again to see what happened. This is ridiculous and so unfair that I have been waiting for weeks to get my funds and every time I call, I get the run around and wait for at least 30 minutes while the person I speak to who doesn't know anything about my account has to call someone else that tells them to tell me nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX two separate accounts for the same debt of {$100.00} from my previous rental location with XXXX XXXX XXXX appeared on my XXXX, XXXX and XXXX reports under two different debt collection agencies. One, under XXXX XXXX XXXX which has now been removed as it was correctly updated to reflect that the debt had been paid as of XX/XX/XXXX ; and the other under NATIONAL CREDIT SYSTEMS which is still present on my credit files as unpaid. 

I have submitted disputes with XXXX starting XX/XX/XXXX, then on XX/XX/XXXX, again on XX/XX/XXXX, and most recently XX/XX/XXXX. Each time XXXX denied my dispute claiming that the information was accurate, and in some instances of their investigation, they did not take the full 30 days to come to that conclusion nor did they reach out to me to receive the documents of my proof to make a full and correct assertion to that claim. 

I have emailed NATIONAL CREDIT SYSTEMS twice as it relates to this, and have not received any communication back from them either time. I've called them and was told to email them with my proof which is exactly what I did, but they have yet to respond or remove the fraudulent debt reporting from my records either. 

Under 807 ( 2 ) ( A ) False or misleading representations, a debt collector may not use any false, deceptive, or misleading representation as it pertains to the character, amount, or legal status of any debt. And I am aware that under 813 Civil liability, any debt collector who fails to comply with any provision of the US Code with respect to any person is liable to such person in an amount equal to the sum of any damage sustained, which, in my case, I can show that this has hindered my application for auto leasing, as well as hindering my ability to obtain credit, and small loans since this is the only present collections on record aside from my student loans. 

This has also caused a great deal of emotional distress as I have been faced with denials that are highly based on the fact that I have this reported collection. ( XXXX v. XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: CA

Complaint narrative:
In XX/XX/XXXX XXXX two separate accounts for the same debt of {$100.00} from my previous rental location with XXXX XXXX XXXX appeared on my XXXX, XXXX, and Equifax reports under two different debt collection agencies. One, under XXXX XXXX XXXX which has now been removed as it was correctly updated to reflect that the debt had been paid as of XXXX XXXX, XXXX ; and the other under XXXX XXXX XXXX which is still present on my credit files as unpaid. 

I have submitted disputes with XXXX starting XXXX XXXX, XXXX, then on XXXX XXXX, XXXX, again on XXXX XXXX, XXXX, and most recently XX/XX/XXXX XXXX. Each time XXXX denied my dispute claiming that the information was accurate, and in some instances of their investigation, they did not take the full 30 days to come to that conclusion nor did they reach out to me to receive the documents of my proof to make a full and correct assertion to that claim. 

I have emailed XXXX XXXX XXXX twice as it relates to this, and have not received any communication back from them either time. I've called them and was told to email them with my proof which is exactly what I did, but they have yet to respond or remove the fraudulent debt reporting from my records either. 

Under 807 ( 2 ) ( A ) False or misleading representations, a debt collector may not use any false, deceptive, or misleading representation as it pertains to the character, amount, or legal status of any debt. And I am aware that under 813 Civil liability, any debt collector who fails to comply with any provision of the US Code with respect to any person is liable to such person in an amount equal to the sum of any damage sustained, which, in my case, I can show that this has hindered my application for auto leasing, as well as hindering my ability to obtain credit, and small loans since this is the only present collections on record aside from my student loans. 

This has also caused a great deal of emotional distress as I have been faced with denials that are highly based on the fact that I have this reported collection. ( XXXX v. XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
ADVERSE ACTION NOTICE I, the consumer and natural person was denied credit by Wells Fargo when I applied for an XXXX XXXX  XXXX on XX/XX/2023. 

According to the Equal Credit Opportunity Act adverse action against the law codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1692 k.

Due to the response, I received from Wells Fargo you are subject to criminal liability for violating 15 USC as I have proof that I was discriminated against due to the response I received.

Wells Fargo is in violation of 15 USC 1642, 15 USC 1681m, and 12 CFR 1002 because I, the consumer, made an appointment in good faith, but credit was not issued.

Furthermore, because my social security number which according to 15 USC 1602i is defined as a credit card was used and I received NO BENEFIT. This is proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARD ) on behalf of Wells Fargo. 

If Wells Fargo fails to make any reasonable procedures to resolve and compensate me for the use of my credit card I will INDEED make Wells Fargo criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

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 2023-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
XX/XX/ 2022 I received XXXX therapy at a XXXX XXXX XXXX XXXX office to treat an injury. XXXX billing department improperly coded the bill resulting in my health insurance denying the claims. After bringing attention to this issue, my health insurance resolved the billing code and I waited for an accurate bill to arrive. I had not yet received the bill from XXXX XXXX XXXX instead I received debt collection in the mail from TRANSWORLD SYSTEMS INC XXXX I called and explained the situation in Fall 2022 and said I would not pay the debtor, I would pay XXXX XXXX directly using my health insurance savings account. I received the XXXX XXXX bill in XXXX 2022 and I promptly paid the {$270.00} bill with the payment confirmation number written on the top right corner in the attached bill ; # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
fraudulent information reporting on my credit report : online information acct XXXX date XX/XX/2022 amount {$69.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: MI

Complaint narrative:
I have noticed that there are several late payments that are reporting on my credit report. I have been trying to get this issue seen about for months with XXXX, XXXX, and Transunion regarding the reporting of late payments. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ] ( 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumercredit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Late Payments that are reporting that shouldn't be : XXXX XXXX - XXXX Account # XXXX ) XXXX XXXX XXXX - XXXX Account XXXX XXXX ) XXXX XXXX - ( Account # XXXX ) XXXX XXXX XXXX - ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( Account XXXX XXXX ) XXXX XXXX XXXX - ( Account XXXX XXXX  ) XXXX XXXX - ( Account # XXXX ) XXXX - XXXX Account # XXXX ) XXXX - ( Account # 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 2023-02-27 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: MI

Complaint narrative:
I have noticed that there are several late payments that are reporting on my credit report. I have been trying to get this issue seen about for months with Experian, XXXX, and XXXX regarding the reporting of late payments. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ] ( 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumercredit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Late Payments that are reporting that shouldn't be : XXXX XXXX - XXXX Account # XXXX XXXX XXXX XXXX XXXX - XXXX Account XXXX XXXX ) XXXX XXXX - ( Account # XXXX ) XXXX XXXX XXXX - ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( Account XXXX XXXX ) XXXX XXXX XXXX  - ( Account XXXX XXXX  ) XXXX XXXX  - ( Account # XXXX ) XXXX - XXXX Account # XXXX ) XXXX - ( Account # 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 2023-02-27 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: TX

Complaint narrative:
I have attempted numerous times for experian to DO a complete investigation OF EVERY ITEM OF INFORMATION THEY REPORT ON under what is defined as investigation under the laws passed by congress. They have repeatedly continued NOT TO DO AN INVESTIGATION AS IT IS DEFINED by the law. 
THEY HAVE CONDUCTED NO INTERVIEWS WITH FAMILY AND FRIENDS AND HAVE NOT DONE a proper investigation as defined by law. 
They have also repeatedly violated my rights 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) Eperian Report Number XXXX Date Generated 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