vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

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 name : XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX Name : XXXX Account # XXXX, XXXX Name : XXXX XXXX XXXX Account # XXXX, XXXX Name : XXXX  Account number # XXXX, XXXX XXXX  XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

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. 

1.Account name : XXXX XXXX XXXX Account XXXX XXXX, 2.Account Name : XXXX Account # XXXX, 3Account Name : XXXX XXXX XXXX  Account # XXXX, 4Account Name : XXXX  Account number # XXXX, 5XXXX XXXX  XXXX XXXX Account NumberXXXX, 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 2023-01-25 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: NC

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I tried to add {$98.00} to my PayPal card ( XXXX XXXX XXXX  on the mobile app using XXXX XXXX. XX/XX/23 XXXX today. Transferring {$98.00} to said account. Theres a missing transaction. 3 hours later and the XXXX XXXX XXXX said it was status cleared to said account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Your improper procedures are highly damaging to my credit score. Please immediately delete this item. In accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  & Inquiries XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written consent and 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

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 2023-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
My car was stolen on XX/XX/2022 and my wallet was in the car also. All of my credit and debit cards, store cards, XXXX personal check were in my wallet. I have already reported to police and frozen all stolen cards. 
However, I found there was a check value {$830.00} from XXXX charged on my XXXX checking account since XXXX ( or XXXX, I forgot the accurate date ). Then I tried to dispute with XXXX and XXXX, however I found they tried to charge me again on XX/XX/XXXX. I called XXXX again to dispute and the customer service advised me to close current checking account that XXXX keeps charging and open a new one, so I went local branch, closed and opened a new checking account. 
Recently, I received a call from XXXX about I owed them {$860.00}, so I disputed with them again and now they need some documentations from me.

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 2023-01-25 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: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
In accordance to the federal credit reporting act, this creditors Portfolio Recovery and XXXX XXXX XXXX have violated my rights. Under 15 USC 1681 Section 602 states have the right tot privacy ''. 15 USC 1681 Section 604 A section 2, it also states the consumer reporting agency can not furnish an account without my writing instructions.

Under 15 US 1666B, a creditor may not treat a payment on a credit card account under an open and consumer balance credit as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Panorama Mortgage Group, LLC
State: GA

Complaint narrative:
This is not my authorized inquiry

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: GA

Complaint narrative:
XXXX XXXX XXXX ( formerly known as XXXX ) gave my personal information without my written consent to a third party debt collector known as True Accord. 

According to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt TrueAccord has email me 7 times and and texted me 6 times this month. They are not on my credit report. 

This has been exceedingly stressful on my person and I am seeking monetary compensation. 

According to 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting that student loans to be removed from my credit report. I am not responsible for the student loans.The responsible party for the student loans is my daughter XXXX XXXX. The loans are generating from the XXXX XXXX XXXX and XXXX. I have communicated with the XXXX XXXX XXXX regarding the loans and I have noticed the loans are still on my credit report.The XXXX XXXX XXXX have reassured me that the student loans would be removed from my credit report several times.I do not owe student loans I am not the responsible party. This situation has impacted my lifestyle, and my credit. Although, the accounts are closed they have hindered my growth with my credit and possibly purchasing a home in the future.

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 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello! 

My name is XXXX XXXX XXXX I am writing to file a complaint against paypal for dragging their feet to help me get my money back from a scammer. I have not heard from them. I have already filed a police report against the seller. I am waiting to return the fake items back to her for a full refund. However paypal has not disclosed her address for me to return for a refund. I paid almost {$14000.00} for two pieces of jewelries which turned out to be fake.

I purchased a pair of authentic XXXX XXXX  XXXX XXXX turquoise earrings for {$5700.00} and a XXXX XXXXXXXX XXXX XXXXXXXX turquoise bracelet for {$7900.00} from her on XX/XX/2023. 

The set were advertised as authentic and purchased from XXXX XXXX. The earrings bear serial number XXXX, bracelet bears number XXXX. Initially, i found both items on XXXX but she agreed to sell them to me off XXXX -- via Paypal payment. 

I received both items on XX/XX/XXXX. On XX/XX/XXXX, I paid for a serial look up service to confirm the serial numbers do belong to these two particular items. The lookup service result came out differently. Both of the serial numbers belong to different piece. One belongs to a necklace, the other belongs to a bracelet. The service also includes the dates the pieces arrive at the boutique as well as the dates they were sold. The names of the boutiques were also included in the report. I found the report reliable.

I reached out to the seller requesting a return for a refund. Seller refused. She stated that I received exactly what she advertised, XXXX XXXX XXXX XXXX  jewelries with the same serial numbers as in her listings. However I would like to add, if the serial numbers dont belong to the pieces, they are not original creations of the brand therefore they are fake and not as described. 

On the same day, I went to XXXX XXXX XXXX XXXXXXXX XXXX in XXXX. The sale associate confirmed the two serial numbers belong to two different creations of the brand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
The price went from XXXX to XXXX the representative XXXX told me to find new insurance and she don't blame me because it is a lot she suggested two other insurance companies.. XXXX advised me she would cancel my car insurance on XX/XX/2022 before the insurance was due since I found another company.. then I received a bill for XXXX which is not mine because XXXX stated it was XXXX on XX/XX/XXXX XXXX I still had the house insurance even though they charge me double the amount to get. It on a payment schedule. Again this is not my bill your representative stated it was cancel.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit report from XXXX, Equifax and XXXX I noticed several inaccuracies pertaining to my personal information. All 3 are reporting inacurate addresses, phone numbers and spellings of my name. Congress states that credit reporting agencies have a responsibility to be fair and must respect the consumers right to privacy. I feel that my right to privacy is in jeopardy because of the inaccurate information that is being reported. Mail is not deliverable to me at these addresses and will leave me susceptible to possible identity theft for which you all will be liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX, XXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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:
This letter was written on XX/XX/2023, to Equifax XXXX IncXXXX, and uploaded through the ( CFPB ) XXXX XX/XX/2023, THIS cause is for Defamation of Character ( Libel ), by way of admission to inaccurate and unfair credit reporting, failure to obtain permissible purpose, and willful noncompliance causing discriminatory acts to be taken upon I, XXXX XXXX, such as denials for credit products, causing severe harm mentally and emotionally knowing the information inaccurate and invasion of privacy. See attachments. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: PA

Complaint narrative:
My identity was stolen and used to obtain a fraudulent credit card. I have disputed this XXXX account numerous times with Equifax and it still hasnt been deleted. I Disputed this same XXXX account with XXXX and XXXX which resulted in a deletion. Equifax IS NOT doing a proper investigation AT ALL. 

I have provided proof that the account has been removed from XXXX and XXXX because it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am an XXXXXXXX XXXX XXXX Veteran who was let go from my job on XX/XX/XXXX. I started to get further and further behind on my loan. In order to continue making my loan payments, I requested a loan reduction around XX/XX/XXXX. I was assigned a Home Preservation Specialist whom over the course of this process I communicated with through email and multiple phone calls. I spoke to my Home Preservation Specialist several times over the course of this process. During the process, she misguided me on my loan. I trusted the financial expertise of Wells Fargo and the Home Preservation Specialist assigned to me. I did as she asked and made payments when she advised and also held off payments until the restructuring was complete. Wells Fargo reached out to me on XX/XX/XXXX via email and informed me that I was not approved for assistance with my loan repayment. I responded by informing my Home Preservation Specialist that upon review of the paperwork, my income information was not correctly listed. Wells Fargo responded and informed me I could appeal the decision but once again I was denied. I was shocked and emotionally distressed when I received a letter from Wells Fargo offering me the option to short sale to avoid foreclosure. In order to save my home, I filed for Bankruptcy with little to no debt, only my home mortgage. Wells Fargo not only ruined my credit but destroyed my marriage. The support of my family helped me to get through this stressful time. As a Veteran who did not hesitate to serve my country, I was disgusted by the actions of this bank. The XXXX XXXX XXXX has helped me and continues to help me deal with the issues that have arisen from my time in the military and from situations like this. I understand now that I am one of the lucky few who was able to save their home by refinancing through a veteran-friendly company after my bankruptcy.

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 2023-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
in 1992 without insurance I visited XXXX XXXX XXXX XXXX and was sent to XXXX XXXX XXXX for suspicion of having XXXX I was later discharged and a couple months later contacted by a collection agency in XXXX I then worked with the agent and visited his office and him every other week and I paid off my debt now the company is contacting me 30 years later saying they have no record of this and I no longer have Financial records from that time ago and it's my understanding that it no longer legal to collect a debt of this age they keep on accessing my credit report filing hard inquiries which has a negative impact on my credit report and I just want them to go away

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
The following accounts are incorrect and they are adversely affecting my livelihood. 

Address History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: VI

Complaint narrative:
This debt collector Phoenix Financial Services keep accessing my credit. XXXX and XXXX they did the same thing for some bill in Florida. I already advised them multiple times that it's ID theft. I dispute the debt. They are fraudulent practice. I live in the XXXX XXXX XXXX and they don't have a business license. Any information sent to the credit reporting agencies will result in a lawsuit. Before, I asked for the bill statement, the medical provider information, did they send to health insurance and auto insurance companies. 



I want to know the creditor name, if the account is time barring, the age of the account, reporting information, amount on the account. Removed all information of credit reporting agencies. 


Remember : I dispute the entire balance.

Company response to consumer: Closed with explanation