vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 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: NY

Complaint narrative:
TransUnion, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX are reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX, LLC- XX/XX/2022 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX OPEN Balance {$750.00}. 
Acct Status : OPEN. XX/XX/2022 Remarks : Placed for collection. ( solely based on the comment, the account has not been classified and should be deleted ). According to FCRA Law an account can not be reporting Open and In Collection at the same time.

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 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Last XX/XX/2022 PayPal company banned my account and i can not use it anymore without telling me what's the problem with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
on last Sunday XX/XX/XXXX on the present i made a paypal account and use it for transaction on the next day and my buyer sent me the payment but unfortunately i cant withdraw nor convert the fund because the paypal says that my account us permanently limited which is so sad because the fund there is being stuck or hold i have no idea how can i get my fund. hoping you can help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to have things removed from credit bureaus all 3. XXXX has me locked out now online, I try calling, security info doesn't match and can not get a person on the phone. Few minor debts I will list that I'd like removed from all bureaus, and have contact debtor and no help. XXXX {$120.00} I never lived in XXXX around the time this bank account was opened I had lost my wallet with i.d and social security card in it. I contacted this bank, they said it has been charged off, but I'd like it removed, as it was not mine, It is affecting me being able to get any type of credit card or loan, so I offered to even just pay it and they refused, there fore there are denying me to pay it off, and to remove as charge off as fraudulent account. Next XXXX XXXX XXXX  also known as XXXX XXXX  I paid that off XXXX weeks ago, I did not realize I had that delinquent account, forgot about but it's paid so I need that removed. XXXX says I had credit line with them, I've never been approved for such, and it's listed on one of 3 bureaus as past due, but XXXX balance so I'd like that remove, they are also listed under inquiry. Like that removed since this again was probably somebody using my name. Then multiple address listed on my credit. My address is XXXXXXXX XXXX  XXXX XXXX XXXX. XXXX FL XXXX, that is address on my Florida XXXX so all other address pls have removed from all three credit bureaus. Then employer is XXXX. All other jobs listed are over ten years ago, so I'd like all employers besides XXXX removed. XXXX XXXX XXXX has multiple past due account small bills, like {$7.00}, {$31.00}, $ XXXX never lived in XXXX XXXX where they r saying that bill occured, contacted them no help. Informed them that if this was my account I have had full coverage XXXX  since XXXXso I sent the bill to my insurance, they said this is not my bill. Please remove all these things. I can't get threw to XXXX, XXXX I filed disputes online, TransUnion saying XXXX  is mine but it's not. And I'm just so upset that from little things more credit is so low and I spent hours trying to correct with 3 main bureaus and only few things updated, but main thing is XXXX and the XXXX XXXX XXXX XXXX which I paid off you can verify calling XXXX and they direct you to XXXX XXXX  which was collection agencys d confirm please that I paid, 3 bureaus telling me upload it online yet XXXX of them have my online acct frozen for answer security question wrong, and I tried calling to unfreeze and can't get a person in the phone. I'm literally losing my mind about these people not helping me, acting u professional, and talking to me like XXXX over some small debts like I'm a XXXX, it's not right

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 2023-01-26 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: FL

Complaint narrative:
I have tried to have things removed from credit bureaus all 3. XXXX has me locked out now online, I try calling, security info doesn't match and can not get a person on the phone. Few minor debts I will list that I'd like removed from all bureaus, and have contact debtor and no help. XXXX {$120.00} I never lived in XXXX around the time this bank account was opened I had lost my wallet with i.d and social security card in it. I contacted this bank, they said it has been charged off, but I'd like it removed, as it was not mine, It is affecting me being able to get any type of credit card or loan, so I offered to even just pay it and they refused, there fore there are denying me to pay it off, and to remove as charge off as fraudulent account. Next XXXX XXXX XXXX  also known as consumer finance I paid that off 3 weeks ago, I did not realize I had that delinquent account, forgot about but it's paid so I need that removed. XXXX says I had credit line with them, I've never been approved for such, and it's listed on one of 3 bureaus as past due, but XXXX balance so I'd like that remove, they are also listed under inquiry. Like that removed since this again was probably somebody using my name. Then multiple address listed on my credit. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX FL XXXX, that is address on my Florida i.d so all other address pls have removed from all three credit bureaus. Then employer is XXXX. All other jobs listed are over ten years ago, so I'd like all employers besides XXXX removed. XXXXXXXX XXXX XXXX has multiple past due account small bills, like {$7.00}, {$31.00}, $ XXXXi never lived in XXXX XXXX where they r saying that bill occured, contacted them no help. Informed them that if this was my account I have had full coverage medicare since XXXXso I sent the bill to my insurance, they said this is not my bill. Please remove all these things. I can't get threw to XXXX, Equifax I filed disputes online, XXXX saying XXXX  is mine but it's not. And I'm just so upset that from little things more credit is so low and I spent hours trying to correct with 3 main bureaus and only few things updated, but main thing is XXXX and the XXXX XXXX XXXX XXXX which I paid off you can verify calling XXXX and they direct you to consumer finance which was collection agencys d confirm please that I paid, 3 bureaus telling me upload it online yet 2 of them have my online acct frozen for answer security question wrong, and I tried calling to unfreeze and can't get a person in the phone. I'm literally losing my mind about these people not helping me, acting u professional, and talking to me like XXXX over some small debts like I'm a XXXX, it's not right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Check that I deposited was Cashe 'd And my funds were send for review they were supposed to call the maker of the check and did not do so I left details instructions on how to contact the maker of the check he told me no one has contacted him about the check in this handle asap I missed out on my kids XXXX and birthday I'm very stressed

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 monetary relief
Consumer complaint received 2023-01-26 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: CORELOGIC INC
State: NY

Complaint narrative:
I tried to put credit freezes on these credit agencies reporting my non public personal information without the consent of the consumer controlling his principle. I did not give these credit agencies my consent in no way shape or form to traffic and communicate any information pertaining to my principle. This is aggravated identity theft these companies are getting unjust enrichment while the consumer does not benefit from the use of his own non public personal credit information. These financial institutions did not allow the consumer to remove his non public personal information in which the consumer never gave consent to. The consumer has the right to his non public personal information kept private and these credit agencies violated my privacy rights.

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 2023-01-26 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I tried to put credit freezes on these credit agencies reporting my non public personal information without the consent of the consumer controlling his principle. I did not give these credit agencies my consent in no way shape or form to traffic and communicate any information pertaining to my principle. This is aggravated identity theft these companies are getting unjust enrichment while the consumer does not benefit from the use of his own non public personal credit information. These financial institutions did not allow the consumer to remove his non public personal information in which the consumer never gave consent to. The consumer has the right to his non public personal information kept private and these credit agencies violated my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: AE

Complaint narrative:
I am XXXX XXXX Military. In XXXX I took out a personal loan with Omni Financial for around {$8000.00}. In XXXX started going thru a Divorce. I stopped making payments late XXXX, Omni continued to charge interest despite me calling multiple times and asking for the interest to be stopped and for a payment plan. The loan sat at around {$13000.00} at this time. I XXXX overseas in XXXX until summer XXXX. I contacted XXXX several times trying to come to a resolution. All while interest continued to accumulate. 
Today, XXXX XX/XX/XXXX I called in an attempt to set up some kind of payment plan. XXXX refused, my current balance is {$23000.00}. I was given the option to restart normal monthly payment of {$480.00} ( keep in mind its over {$300.00} a month in interest at this point ) or to pay a settlement of {$18000.00}! More than double the amount of the original loan! 
XXXX also refuses to provide any documentation, IE original loan documents.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Had an acct with Wells Fargo had many overdraft fees acct was closed due to it

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 2023-01-26 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: NY

Complaint narrative:
TransUnion, XXXX XXXX, XXXX and XXXX XXXX XXXX. are reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX, LLC- XX/XX/2022 Original Creditor : XXXX XXXX XXXX - OPEN Balance {$950.00}. 
Acct Status : OPEN. 
Remarks : Account info disputed, meets FCRA requirements. 

According to FCRA Law an account can not be reporting Open and In Collection at the same time.

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 2023-01-26 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: TX

Complaint narrative:
Equifax is attempting to do, the same thing XXXX has done! Trying to drag an ongoing situation, and issues of the past ; which should had been resolved, and settled last year! Why are yourselves, and others in charge keeps : allowing this Credit Reporting Agency, to insist on committing the, same type of offenses over, and over again, against this same consumer??? It's very obvious nothing hasn't been done ; to change Equifax mindset, fabrication, fake investigations, disregard for the rule of law, dysfunction, and ways of conducting business, with this particular consumer! No, I'm not prepared, and nor able to accept : this as normal, and legal in this country ( USA )!!! CFPB please stop playing on my emotions, and on acct of my health crisis expense! Something has got to give, and be done ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Im a victim of identity theft my information was leaked on the dark web by XXXX Im in the process of going through arbitration, my information has been compromised and used to establish fraudulent accounts in my name, I want this account with XXXXXXXX XXXX removed from my credit report, or I will seek arbitration to recover damages from this account being open, all my identifying information has been leaked I can provide evidence of that data breach and my information being compromised, example the IRS now considers me a victim of identity theft because someone tried to file a fraudulent tax return in my name try to defraud the government out of thousands of dollars to also show you i filed a police report against XXXX XXXX also because Im identifying information was used to open accounts in my name and a detective guy said numerous accounts were open im just showing you that I am in fact a victim of identity theft .experian please remove these accounts, i have sent a police report showing I am a victim of identity theft, i have now started arbitration against XXXX XXXX and XXXX for compromising my information im sending attachments so you can see I have did my diligence with this situation im also up loading a letter from thf IRS letting me know that I am a victim of identity theft someone tried in XXXX of 2022 to file a fraudulent tax return and tried to defraud the government out of thousands of dollars now I have to use identity theft pin so when I file taxes I have to use that pin so I can identify myself, please remove these accounts XXXX XXXX from my file , Im also showing I have demand for arbitration against XXXX for compromising my information and leaking it on the dark web .my information is on the dark web I can not get that information back and now Im suing XXXX  because my information has been used to open and establish fraudulent accounts in my name .please remove XXXX XXXX, XXXX XXXX, navy federal credit union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
They destroy my credit I ask for help and I was in hospital having XXXX XXXX and I have had access to my phone they lied about loan and grant

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 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Made a payment to WellsFargo credit card using a XXXX XXXX  checking account on Monday XXXX XXXXXXXX 
As of Thursday XXXX credit card is not showing the availability of the funds and was told today by calling the customer service on dated XXXX XXXXXXXX, that funds are on hold and will be released on Friday XXXXXXXX, due to making sure funds clear from the other bank. 
It is not a fair practice to hold the money for that long, there should have been any alert or notification regarding the hold while making the payment or even after the payment. So I could have managed my financial obligations accordingly. 
There was no communication even after the payment but email was stating The following payment will be effective as of XXXXXXXX  but stating anything regarding hold on funds, which is misleading and unfair practice, it causes me not to able to make the payments using this credit card, the payments I planned and promised to made in next couple of days.

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 2023-01-26 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: GA

Complaint narrative:
Im a victim of identity theft my information was leaked on the dark web by XXXX Im in the process of going through arbitration, my information has been compromised and used to establish fraudulent accounts in my name, I want this account with XXXX XXXX removed from my credit report, or I will seek arbitration to recover damages from this account being open, all my identifying information has been leaked I can provide evidence of that data breach and my information being compromised, example the IRS now considers me a victim of identity theft because someone tried to file a fraudulent tax return in my name try to defraud the government out of thousands of dollars to also show you i filed a police report against XXXX XXXX also because Im identifying information was used to open accounts in my name and a detective guy said numerous accounts were open im just showing you that I am in fact a victim of identity theft .experian please remove these accounts, i have sent a police report showing I am a victim of identity theft, i have now started arbitration against XXXX XXXX and XXXX for compromising my information im sending attachments so you can see I have did my diligence with this situation im also up loading a letter from thf IRS letting me know that I am a victim of identity theft someone tried in XXXX of 2022 to file a fraudulent tax return and tried to defraud the government out of thousands of dollars now I have to use identity theft pin so when I file taxes I have to use that pin so I can identify myself, please remove these accounts XXXX XXXX from my file , Im also showing I have demand for arbitration against XXXX for compromising my information and leaking it on the dark web .my information is on the dark web I can not get that information back and now Im suing XXXX  because my information has been used to open and establish fraudulent accounts in my name .please remove XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Private loan interest rate raised to 15 % on one and 13 % on the other I have good credit and consistent with payments. I tried to refinance the loan because I can not afford {$400.00} a month they denied me because the school I went to was full prophet. Then I was denied again because I did not graduate. Then I tried again another place they said even with a good credit score you'd be paying {$900.00}. I have no other options and feel completely helpless at this point that I'm paying on a high interest loan with mo degree and it's stopping me from being able to afford anything at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: RentDebt Automated Collections, LLC
State: MA

Complaint narrative:
My credit report shows a collection account called rent debt labeled ( XXXX XXXX XXXX ) I have never heard of either of those companies, I had my identity stolen in the past with accounts opened in my name and this is definitely fraudulent. I never received a debt validation letter nor a debt verification letter and the address the company has for me I have never lived at before in my life ( which i can also prove ). This debt is not mine & it needs to be removed. I have police reports proving the past identity theft as well and how the company never contacted me to validate this debt.

Company response to consumer: Closed with explanation