vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: CA

Complaint narrative:
XXXX XXXX  IS REPORTING A FRAUDULENT ACCOUNT ON MY PERSONAL CREDIT REPORT. THIS ACCOUNT WAS OPENED FRAUDULENTLY, WITHOUT MY CONSENT. THE CHARGES ARE FRAUDULENT, I NEED THIS FRAUDULENT ITEM TO 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 2023-02-10 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: CA

Complaint narrative:
XXXX XXXX  IS REPORTING A FRAUDULENT ACCOUNT ON MY PERSONAL CREDIT REPORT. THIS ACCOUNT WAS OPENED FRAUDULENTLY, WITHOUT MY CONSENT. THE CHARGES ARE FRAUDULENT, I NEED THIS FRAUDULENT ITEM TO 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 explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have had a car loan with Wells Fargo since XX/XX/XXXX. Since XXXX of XXXX, I have had multiple issues of them stating they have not received payments even though my bank has transferred the money via the Wells Fargo app. In XXXX of XXXX, Wells Fargo changed how they allow payments on their app. I connected my loan information to my bank and paid XXXX car payment. On XX/XX/XXXX, I made a payment and it was received from Wells Fargo. Today, XX/XX/XXXX, I received a letter from Wells Fargo telling me I am 3 months behind and my payment due date is XX/XX/XXXX. I have spoken with Wells Fargo and they stated they will look into it. I have also contacted my bank for further assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: MD

Complaint narrative:
I was originally contacted by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, OR XXXX ) on XXXX XXXX concerning a traffic violation in XXXX, XXXX on XXXX XXXX. I wrote them on XX/XX/XXXX that I was disputing the debt under the Fair Debt Collections Practices Act as I was in the United States, not XXXX, on XX/XX/XXXX. I was then informed that there were 6 tickets, 4 on XX/XX/XXXX and 2 on XX/XX/XXXX. In response I requested in a XXXX XXXX that they ask the XXXX authorities to waive the 4 XX/XX/XXXX tickets as I was not in XXXX at that time and to waive the late penalties on the XXXX XXXX tickets as I was not given the opportunity to pay them earlier. As evidence I provided my flight info showing I was not in XXXX on XX/XX/XXXX and a letter from XXXX rent-a-car indicating my rental commenced on XX/XX/XXXX. I never heard back from XXXX XXXX after that. 
On XX/XX/XXXX I was texted by Cedar Business Services ( XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX CA XXXX. Requesting payment on the above mentioned 6 tickets. On XX/XX/XXXX I called and spoke to XXXX XXXX at Cedar and explained I was not in XXXX and not responsible for the 4 tickets from XX/XX/XXXX but went ahead and paid the two XX/XX/XXXX tickets, which now had even larger late fees. I also emailed XXXX XXXX the flight and rent-a-car info referenced above as evidence I was not in XXXX or responsible for the XX/XX/XXXX tickets. Despite paying the XX/XX/XXXX tickets and providing evidence I was not responsible for the XX/XX/XXXX tickets Cedar Business Services continued to text me on XX/XX/XXXX and XX/XX/XXXX requesting payment for the XX/XX/XXXX tickets even though they were provided with documentary evidence on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
paypal europe s a r l et s c a Sent a 1099-c about a debt that does not belong to me, I have no idea where this is coming from I believe my social has been stolen from this company, I have had no contact with or from them prior to today XX/XX/XXXX. Its out of XXXX XXXX Ive tried to look into it with no results. It says its from pay pal in the amount of XXXX I do not use pay pal, I do not use pay pal out of XXXX XXXX Creditors XXXX  XXXX Account number XXXX XX/XX/XXXX. It has last four of my social, but I havent borrowed money or used pay pal to borrow money I looked it up online a lot of people are saying pay pal wont help with this and they had a breach last year and no ones gotten any where with this Contact number XXXX XXXX XXXX No one picked up Im very confused and concerned someone is using my social

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On Saturday, XX/XX/2023, I went to XXXX XXXX XXXX to look for a car. I did not like the interest rates given to me, so the financial manager XXXX XXXX told me he would call XXXX XXXX, since it came back an error and they have a low interest rate. On Monday, XX/XX/2023, he texted me back that he found a lower interest rate. I texted him back that I was not interested anymore but thank you for looking and that I would pass on the offer and the car. Then on Wednesday, XX/XX/2023 I received two calls and then a text message from XXXX XXXX the sales manager telling me that he was able to talk to a different bank to get me a better rate. Then on Thursday, XX/XX/2023, I received a notification on my phone that my credit score was ran again without my consent. I texted XXXX XXXX letting him know that I did not authorize this run and told him I told XXXX on Monday that I passed on the offer. I sent screenshots of the text along with a screenshot my credit being ran. I still have not heard back from XXXX XXXX or XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This new complaint Is inconjunction with the original complaint ID number XXXX - XXXX. Original complaint Found against capital one bank For freezing my account back in XXXX of XXXX  for suspicion of fraud. Since the original complaint was filed capital one has since then close my account and mailed me check In the amount of {$2.00} Which happened to be the interest earned on {$34000.00} For that month. Now 2 days prior To my account being closed I noticed after logging in to my account for capital one That there was a wire transfer in the amount of XXXX Which XXXX  my account out That day. So I called capital one and spoke to someone and Was told that my account was being closed But they can not tell me where the money was transferred to. So I decided to wait to see what happened from there Now 2 days later I see when I logged back into my capital one account That there is now {$2.00} In the account. Now XXXX this was a little weird to me And that money was the interest earned On the XXXX For that month. To me this sounds very odd and 2 days later I see that account was closed and he checked mailed at my request And I do have screenshots To prove all of this and today I received the check in the mail from capital one for {$2.00}. Where did the rest of my money go?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: NJ

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: CA

Complaint narrative:
First off, I had no help from anyone to file this information. 

This new issue with TransUnion is about information and violations on my account. See attached for full details. 

Also TransUnion has yet to resolve the previous issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposit my check on XX/XX/2023 and dome of the money supposed to be available on the XXXX and the rest the XXXX, and it wasn't, after they told me on the XXXX, and it haven't happened, it has been 7 business days, and nothing, I haven't be able to paid in full my credit cards, and they have create it interest, they been having my money, my bank is bank of america, and they been holding my {$42000.00}, please help, thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2023 at XXXX CST I tried to access my credit reports on XXXX, and both Equifax and XXXX are not allowing me to see my credit reports online. I called Equifax using the number provided and they want me to sign up for their service in order to see my credit report online. They said that they will mail it to me. XXXX only shows an address to send a request for a credit report to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: NJ

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXXredit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AL

Complaint narrative:
Today XX/XX/2022 I tried to use the money that I have on my account to pay for some stuff that I need and I see a declining transaction multiple times. I decided to call this people from Credit Karma and asked them who authorized the cancelation and lock of my debit card, nobody can give me a true answer. They told me that the customer decided to lock the account which isnt true, I have never locked my account or debit card. How am I gon na do that and keep me without money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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:
On XX/XX/XXXX, I disputed an automobile ( lease car ) XXXX installment account in my Experian online account that was settled and paid by insurance back in XXXX XXXXXXXX ( someone hit my car and the insurance concluded total lost on that vehicle ), and the insurance of the driver ( who hit my car ) agreed to cover the loss. However, on XX/XX/XXXX, Experian sent me a message saying they have a result on my dispute and they will update it on XX/XX/XXXX. And then on the very second day ( XX/XX/XXXX ) Experian immediately decreased my credit scores by XXXX points without any reason ( my scores had always been around XXXX for all these years! ) and since then I saw a late payment error in my Experian online account ( not in my credit report )! The XXXX account that I disputed was paid and closed as agreed, it was NEVER LATE. So I tried to call the Experian ( and XXXX ) many times over the last 3 years but the representative were always telling me that credit score is the underwriter 's job and they can not do anything about it because they are just the representative. I checked on my Experian online account it says I have a serious delinquency ( late payment for over XXXX days ) which is NOT TRUE because I have NEVER had any late payment! I checked my credit reports ( from all 3 credit bureaus there was NO LATE PAYMENT ). This happened to XXXX too because I checked when I logged in into the XXXX online account I saw a late payment error ( over XXXX days late ) that was not supposed to be existed. Same thing XXXX credit report showed no late payment, only in their online account it said late payment. I couldn't dispute the mistake both Experian and XXXX make on my online account. I tried to dispute the problem but because it was not in my credit reports but it was in my online account, they didn't do anything to fix the problem when every time I called in ( to both Experian and XXXX ). And because of this, my credit scores went down significantly for the last 3 years and I still can not find anybody from Experian or XXXX to help me look into that. Please help me I am feeling helpless. This error existed for more than 3 years but BOTH Experian and XXXX refused to check on their mistakes. They should not decrease my credit scores without properly checking on my account. My credit scores were ALWAYS between XXXX and I have never once forgot to pay my bill! Please let me know if I need to submit my 3 credit bureaus ' credit reports to support my evidence!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: GA

Complaint narrative:
the company continues to violate customer laws 15b US 1666B.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
the company continues to violate customer laws 15b US 1666B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: GA

Complaint narrative:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND this account be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.

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