vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 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: KS

Complaint narrative:
In XX/XX/XXXX we were notified of a data breach and put freezes on my credit with all 3 credit companies. We applied for a car loan who uses Experian on XX/XX/XXXX and was informed of a fraudulent account opened with acima for {$8600.00} ish. The account was sent to collections XX/XX/XXXX. We had no knowledge of the account being opened. How was the account even opened when the credit was supposed to be frozen? I literally had to unfreeze it TODAY. It has been frozen for the last year. Tried calling Experian multiple times. No help. This has hit my credit hard. What is the purpose of a freeze If they're negligent and allow accounts opened anyways?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
In XXXX my credit card was stolen at a concert. The thief racked up {$990.00} dollars worth of fraudulent charges which my bank is refusing to refund me. After completing their " investigation '' USAA has determined that I am liable for those fraudulent charges. I would like a full refund please and thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Paramount Capital Group, Inc.
State: GA

Complaint narrative:
I never entered or went into any sales contract agreement with the account name in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I am writing to inform you of the devious practices being conducted at XXXX. The three credit bureaus have collectively damaged my quality of life with inaccurate reporting on my credit report, but XXXX has causing detriment to the livelihood of my family with the current reporting on my credit report. These reportings consist of wrong addresses, duplicate inaccurate accounts and closed accounts being reported as being paid late to name a few. These reportings also have lead to me being denied credit, elevated cost due to higher interest rates and my family 's right to life, liberty and the pursuit of happiness being diminished. The business conducted with XXXX is deplorable as they have also reported these things without my knowledge or permission denying my rights to privacy and the fair debt collection act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 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: CA

Complaint narrative:
Hello, I am writing to inform you of the devious practices being conducted at XXXX. The three credit bureaus have collectively damaged my quality of life with inaccurate reporting on my credit report, but XXXX has causing detriment to the livelihood of my family with the current reporting on my credit report. These reportings consist of wrong addresses, duplicate inaccurate accounts and closed accounts being reported as being paid late to name a few. These reportings also have lead to me being denied credit, elevated cost due to higher interest rates and my family 's right to life, liberty and the pursuit of happiness being diminished. The business conducted with XXXX is deplorable as they have also reported these things without my knowledge or permission denying my rights to privacy and the fair debt collection act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: IL

Complaint narrative:
Every hard inquiry on my credit report except XXXX XXXX on XX/XX/2021 need to be removed. They were posted without my permission! Its hindering my credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 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: HI

Complaint narrative:
On XX/XX/XXXX I filed a complaint against Experian complaint # XXXX thru CFPB that the XXXX  XXXX XXXX XXXX was NOT mine & must be deleted from my credit profile On XX/XX/XXXX Experian completed their investigation & deleted this account HOWEVER all of the sudden as of TODAY XX/XX/22 this account is BACK ON MY REPORT AGAIN & my score has gone down XXXX points!! 
I dont know why this is or what is wrong with Experian THIS IS NOT MY ACCOUNT, MY MORTGAGE IS WITH XXXX & ALSO I JUST SOLD MY HOUSE SO MY MORTGAGE IS PAID OFF, ANYWAY!!!!! 
I WANT EXPERIAN TO REMOVE THIS HARMFUL INCORRECT INFORMATION FROM MY CREDIT REPORT IMMEDIATELY AS I AM TRYING TRYING TO OBTAIN NEW EMPLOYMENT RIGHT NOW & THIS COULD EFFECT MY CHANCES ALSO THIS WILL INHIBIT ME FROM USING MY CREDIT THAT IS AVAILABLE TO ME!! 
I WANT THIS TAKEN OFF NOW OR I PLAN TO SEEK COMPENSATION FOR DAMAGES I HAVE INCURRED FROM THEIR INCOMPETENCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
I recently got a copy of my XXXX report and noticed and unfamiliar account with a bank I've never used. Acima Digital is furnishing a fraudulent account on my report with no 30-day notice. I know that is a violation of my rights pursuant to 15 USC 1692g because I was never given a chance to see the debt nevertheless challenge the validity of the debt. I have attatched an FTC Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
Credit Acceptance has been improperly reporting missed payments every month to the credit agencies which is hurting my credit horribly. 

I had a repo back in XXXX due to the pandemic I had got laid off and couldn't afford my payments anymore. They took my car and then sold it and I still owed a little over 5k. From then till now they are now stating that I owe {$11000.00} and counting as it is increasing every month which I do not know why as they have not communicated anything with me. 

I believe they are not being fair by charging me over double the original amount owed after the repossession was made and now they are not only hurting my credit but affecting my life as I an unable to apply for certain things due to this account. 

This company has repeatedly abused the rights to every customer they have or had. As you can verify they have even been sued many times for violating peoples rights and most of whom are minorities just like me. 

This is wrong, unfair, and unjust to charge someone over double of what they owe in an unjustifiably, and abusive manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: UT

Complaint narrative:
I have submitted multiple disputes with Transunion regarding my revolving XXXX XXXX XXXX  account with XXXX XXXX XXXX and they continue to come back and say that the account is reporting as accurate. When I view my report, its showing as CLOSED as of XX/XX/2022. This is not correct. The account is open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
During the start of XXXX Wellsfargo had XXXX payment assistance plan for their customers. I participated in the assistance plan for 1 month, and I decided that I was able to continue to pay my mortgage regularly the next month. I called their customer service reps and I was told that the unpaid amount under the CARES ACT would be just added to the end of my loan. I never signed or received any documents. 

On XX/XX/22, I decided to apply with wellsfargo to refinance my home. I provided them with over 60 documents, everyday seemed like a hurdle and they continued to ask for documents that seemed almost impossible to obtain. I continued to provide them with the impossible within a few hours of them requesting documents. In this process, I learned that the 1 month of XXXX  relief automatically flagged my account as in " forbearance. '' This was never explained to me and obviously will affect any other mortgage company I try to contact. After almost 2 weeks of underwriting -- they call me to say that " things had changed and how much money I had in my checking account because to make the refinancing work I needed to provide cash '' this was today XX/XX/22. I told the mortage advisor to close my application since it has been a hurdle each time. He said " OK '' and hung up on me. They closed out the application. As I am working with a different bank, they notice that wellsfargo has listed my account to be in " forbearance. '' I asked them for payments made for the last 12 months to prove that I have made them, and documentation that explains I " exited forbearance '' they sent me the document -- it was never signed by me because I never was notified that they were doing this. Please let me know if you can help. This is unfair. It is almost like wellsfargo knew I wouldn't be able to provide the cash since they could see my bank account so I could close out the application. This avoids them from " having to reject a minority. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
Hunter Warfield is the debt creditor The original Creditor is XXXX XXXX XXXX company is no longer open they sold their business to XXXXXXXX XXXX XXXX  My information was reported to the debt collection on XX/XX/2020 as of today the balance they say I is {$5200.00} I never sent in any information into this company, I never lived on any of their property, and I never authorized any one to use my name or any of my information for this property. This is fraud!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Our company is XXXX and on XX/XX/2022 a client, whose name I am redacting to comply with the confidentiality instructions for this complaint, but whom I will refer to as buyer hereinafter, purchased a XXXX XXXX  drain pump with housing and a jar of XXXX gel coat through our website. The total for this was {$140.00}. The transaction for this purchase was done through PayPal. The clients items were delivered to the clients address in accordance with XXXX tracking number XXXX. Then, months later, on XX/XX/2022, the client apparently filed a dispute for item not as described and PayPal sided with the customer in giving them the full amount of their dispute which was {$140.00} ( XXXX XXXX XXXX and XXXXXXXX United States Dollars ) as the resolution to the dispute case number XXXX XXXX Needless to say, we disagree with this decision and began inquiring with PayPal as to how they came to this decision. Our team members asked questions such as how was the item not as described? Do you have an image which shows how the item was received and which, furthermore, proves that the item was not as described? Do you even know what the item was or did you simply flip a coin and decide to side with the buyer? In summary, we first and foremost want our payment of {$140.00} returned to out account and, second of all, want to know how PayPal came to this decision in the first place if they did not have any evidence whatsoever that the item was actually received in a way which was not as described.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 2022-11-10 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: OH

Complaint narrative:
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 state a conumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C 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 XXXX XXXX XXXX account number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: OH

Complaint narrative:
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 state a conumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C 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 XXXX XXXX XXXX account number # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: IL

Complaint narrative:
Every hard inquiry on my credit report except XXXX XXXX on XX/XX/2021 need to be removed. They were posted without my permission! Its hindering my credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: FL

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. U. S. C 1681. 
Accounts # XXXX XXXX XXXX XXXX  account # XXXX XXXX  account XXXX XXXX credit 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. 1681 c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following 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 should not furnish any information relating to a 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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15. U. S. C 1681. 
Accounts # XXXX XXXX XXXX XXXX  account # XXXX XXXX  account XXXX XXXX credit 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. 1681 c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following 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 should not furnish any information relating to a 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