vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 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: MI

Complaint narrative:
I had 2 collections less then XXXX XXXX XXXX removed from my credit report and my score dropped XXXX points. I called TransUnion and was told it was because of older accounts all over XXXX XXXX XXXX is why. That is a ridiculous answer in my opinion. I also was told I could not get a employee number or no way to verify who at TransUnion told this reason. That also ridiculous and not legal I believe. I am hiring an attorney to sue TransUnion do have or can you give me any recommendations as to were to look for a attorney. I also would like to if TransUnion can do what they did to my score

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 2023-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have 2 fraudulent inquires on my credit report from Bank of America. i contacted me identity protection service for both inquiries and had them disputed directly with Bank of America and both were verified as fraudulent. I requested that I receive documentation for both inquiries stating that they were fraudulent. I have not received any documentation for either inquiry. The date for the first inquiry was XX/XX/XXXX and the second inquiry was XX/XX/XXXX. I requested that both of these be removed off my credit report. It has been over 90 days and both fraudulent inquiries are still showing on my credit report. I am requesting that they both be removed from my credit report.

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to correct issues with my Experian credit file for several months. My problem is that I can not unfreeze or freeze my Experian credit file. Attempting to create an Experian account to manage my freeze status results in an error and instructs me to contact their support number. Numerous calls to Experian 's support center result in case numbers, but their support agents can not resolve anything. My calls have been escalated to Experian 's dispute department, and nothing is ever resolved. From what I've gathered from the support agents I've interacted with, the issue with my Experian account is that security questions can not be generated because I had a fraud alert on my file because of problems with my address. I submitted documents ( social security card, utility bill, driver 's license, etc. ) several times proving my identity and current address. Yet, every time I call, the support agent tells me to submit documents proving my identity for my Experian file to be corrected. Nothing has been resolved to this date. I started this process with Experian back in XXXX of XXXX, but were are in XX/XX/XXXX and they have yet to resolve the issues with my Experian account. The issue with my account prevents me from requesting my credit report and changing the freeze status on my Experian account. The issue with my credit file is only with Experian. I DO NOT have issues with my XXXX  or XXXX credit file. The issue is only with Experian. I have many case, dispute and escalation numbers I can share with you. Please help me resolve this issue with my Experian credit file.

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 2023-05-20 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: EQUIFAX, INC.
State: NY

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 XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXhas 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 non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I own and operate a nonprofit XXXX animal rescue. PayPal has locked our account with over {$4700.00} of donations which we may or may not have access to by XX/XX/2023. This will shut my rescue down. We are fully dependent on these donations. 

XX/XX/XXXX our PayPal account was limited for no provided reason. XX/XX/XXXX it was reinstated stating it was an error in their system and shouldnt happen again. By XX/XX/XXXX the account was limited again for no stated reason. Again it was stated via messages this was in error because a white flag was on not the account after the last erroneous limitation and the account would be reinstated and have no further problems. The account was reinstated and allowed donations to be received again. On XX/XX/XXXX just after making a purchase of stamps to mail out records to our adopters our account with PayPal was permanently closed with no justification ultimately locking over {$4700.00} of our donors donations that fund our nonprofit animal rescue. 

PayPal stated we may be eligible to receive them but have it wait 180 days to find out if we get them or not due to risk on our account. We have never had a charge back and our donations are non refundable. Those funds should be immediately released to our nonprofit bank account and we have no issue no longer conducting business with PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried several times to access my credit report since XXXX. However, I am unable to do so. I paid XXXX XXXX to monitor my credit. My information was compromised years earlier ... a leak of information occurred at XXXX XXXX XXXX. I was informed that I should put a freeze on my credit file. I thought that I was successful. However, I have been informed that my ssn # was in fact used for at least XXXX loan ( possible XXXX loan ) and possibly a XXXX  card. I filed XXXX XXXX XXXX. I have no credit cards. Furthermore, I haven't had a driver 's license since XXXX! I don't own any vehicles. I've only lived at my current address since arriving in XXXX. 
Please help me resolve this problem and remove any bogus items on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been experiencing hardship due to the loss of the majority of my income during XXXX. I always pay my mortgage by the last day of each month, and this is communicated with the Agents that have the job of contacting me. Wells Fargo calls me daily, and has even started calling on the XXXX of the month even tho my mortgage has a 15 day grace period. I access a late charge after the XXXX of the month which is also paid. They used to only call in the daytime, but recently has started calling as late as XXXX XXXX. The first phone call that is generated in the month I always advise the Agent of my intent to pay in full before the last day of the month, but they continue to harass me on a daily basis.

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 2023-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: United Group Inc.
State: OR

Complaint narrative:
My husband and I purchased a vehicle in 2022 for XXXX. We put down XXXX and purchased a warranty. We agreed to a 12 month loan. We ended up with a loan of over XXXX which does not add up, and now a year later owe more than the car costed. We were told to sign here sign there and the terms changed after we signed. This is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Loan appeared on my Equifax report an account had been opened for a car loan with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I contacted XXXX XXXX on XX/XX/XXXX and informed them and provided all my my personal information and they reported no account was open under my ssn, name, phone, etc.. 

I made a dispute with Equifax on XX/XX/XXXX. Dispute # XXXX. 

Results were obtained on XX/XX/XXXX indicating account was verified. 

On XX/XX/XXXX, I called XXXX XXXX again and informed them again and they again asked for all my info and denied there was an account including one ending in the alleged account Equifax is reporting. They stated they would open a dispute on there end. 

On XX/XX/XXXX, I made another dispute with Equifax dispute # XXXX and informed them again of my attempts to dispute with XXXX XXXX. Results are pending, however, I fear the same results will appear based on my prior attempts to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: Westlake Services, LLC
State: WA

Complaint narrative:
Loan appeared on my XXXX report an account had been opened for a car loan with : Westlake Services Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I contacted Westlake Financial on XX/XX/XXXX and informed them and provided all my my personal information and they reported no account was open under my ssn, name, phone, etc.. 

I made a dispute with XXXX on XX/XX/XXXXXXXX Dispute # XXXX. 

Results were obtained on XX/XX/XXXX indicating account was verified. 

On XX/XX/XXXX, I called Westlake Financial again and informed them again and they again asked for all my info and denied there was an account including one ending in the alleged account XXXX is reporting. They stated they would open a dispute on there end. 

On XX/XX/XXXX, I made another dispute with XXXX dispute # XXXX and informed them again of my attempts to dispute with Westlake Financial. Results are pending, however, I fear the same results will appear based on my prior attempts to resolve this.

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 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NV

Complaint narrative:
On the following dates ( below ) XXXX XXXX withdrew funds from my Cashapp card that I had on file for the bank without my authorization. Ive opened a dispute with Cashapp on XX/XX/XXXX and Cashapp customer service is refusing to refund me my funds for the unauthorized transactions. 

The dates and amounts of the unauthorized transactions are as follows : XX/XX/XXXX for {$48.00} XX/XX/XXXX for {$32.00} XX/XX/XXXX for {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: FL

Complaint narrative:
I applied for a credit card through XXXX XXXX. I was told my membership fee to XXXX XXXX would be reduced from {$50.00} to {$20.00} for the year. I never was approved for the card. And Transunion dropped my credit score 44 points. This seems ridiculous that they could get away with this! Your own company reported not long ago that credit bureaus like Transunion are scamming people.

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 2023-05-20 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: EQUIFAX, INC.
State: TN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: DISCOVER BANK
State: VA

Complaint narrative:
I was told my credit WOULD NOT BE RAN AND IT WAS, WHICH IS A LIE. I want to file a complaint because it was a hard inquiry and it said no impact to your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: 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 XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-05-20 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
They called from 3 numbers at 3 different times : the first was XX/XX/2023 from XXXX ( XXXX ) XXXX. The second was XX/XX/XXXX from XXXX ( XXXX ) XXXX. And the third was XX/XX/XXXX at XXXX XXXX from XXXX ( XXXX ) XXXX. I know for a fact I do not owe any debt, and they are calling on weekends. I tried to silence the numbers but then they will just call from an alternate number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: LA

Complaint narrative:
I am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: LoanCare, LLC
State: MD

Complaint narrative:
Data breach with mortgage company caused late payments to accrue on my account. My mortgage was being paid on time every month, there was a fraud company identical to loancare that was recieving the payments due to the data breach.

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 2023-05-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This is my third complaint to the CFPB for the same issue. You keep closing the complaint without ( apparently ) even reviewing the response from Experian. This is the same problem that has never been resolved. 

THEIR ONLINE PORTAL DOES NOT RECOGNIZE MY ACCOUNT/EMAIL SO I CAN ACCESS THE 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