vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 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:
On XX/XX/XXXX I made a lump sum payment to XXXX XXXX services that was more than $ XXXX making this payment the agreement was that it would be reflected on my credit report. They refuse to report it. 
In XXXX I filed bankruptcy and included the XXXX XXXX XXXX, and signed a reaffirmation agreement. ( I continued making payments ) Before adding the XXXX to the bankruptcy I asked if this would reflect on my credit as IN GOOD STANDING? The response was " Once the car is paid off it will reflect on your credit report as paid off ". They did not tell me that they were going to take the loan off of my credit report completely. Once I realized that it was not showing at all I called them and asked what happened. They explained that the loan would reflect on my report once I paid it in full. Over the course of the next 4 years I was late 2 or 3 times and moved one payment to the end of the agreement. Every payment after that was mostly early and on time. The car was paid off ahead of schedule. The amount that they were given at once was a very large amount of money, and now they refuse to comply with the agreement. 
Also the car had several repairs done in XXXX while sitll under warranty. Two months after the same repair was done 3 times the warranty had expired and the same issue occured, they refused to replace the brand new parts that they had replaced 3 times. Documents to support my issue are available.Also the radio has blacked out and this was an ongoing issue shortly after I purchased the car brand new.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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:
On XX/XX/XXXX I made a lump sum payment to XXXX XXXX services that was more than $ XXXX making this payment the agreement was that it would be reflected on my credit report. They refuse to report it. 
In XXXX I filed bankruptcy and included the XXXX XXXX XXXX, and signed a reaffirmation agreement. ( I continued making payments ) Before adding the XXXX to the bankruptcy I asked if this would reflect on my credit as IN GOOD STANDING? The response was " Once the car is paid off it will reflect on your credit report as paid off ". They did not tell me that they were going to take the loan off of my credit report completely. Once I realized that it was not showing at all I called them and asked what happened. They explained that the loan would reflect on my report once I paid it in full. Over the course of the next 4 years I was late 2 or 3 times and moved one payment to the end of the agreement. Every payment after that was mostly early and on time. The car was paid off ahead of schedule. The amount that they were given at once was a very large amount of money, and now they refuse to comply with the agreement. 
Also the car had several repairs done in XXXX while sitll under warranty. Two months after the same repair was done 3 times the warranty had expired and the same issue occured, they refused to replace the brand new parts that they had replaced 3 times. Documents to support my issue are available.Also the radio has blacked out and this was an ongoing issue shortly after I purchased the car brand new.

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 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Hello, I can see I have a few PayPal accounts with debt owing and I did not create these PayPal accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I contacted Experian via report # XXXX to update my information as somehow, my wrong DOB is listed on the report. The report was accepted, and the information was supposed to be removed, however the agency still lists the incorrect information on the report. I am unable to reissue a dispute of the information on my report electronically. My only other options are to file a mail dispute or through the CFPB.

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 2023-06-21 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: PA

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX online service agreement contract signed car deliver to my driveway. 
Contract is blank on address, so I believe the sales agreement is invalid. 
My interest rate was XXXX However the company has collected more than I owe, during COVID they called saying I could refinance over the phone and it ended up being a scenario. So with my regular payments {$250.00} and my gap insurance of {$330.00} not one has been late in fact I have been over paying {$790.00} or paying double some months. But I just also realized that my vehicle is being vandalized even after I took it to a certified collision repair center on XX/XX/XXXX It cost me {$1000.00}. 
Then XX/XX/XXXX XXXX XXXX  paid {$500.00} Invoice XXXX Transaction # XXXX {$280.00} Transaction # XXXX {$320.00} Transaction # XXXX {$710.00} Transaction # XXXX {$390.00} Transaction # XXXX {$400.00} Meanwhile I was on recurring payments at {$250.00} from my checking account and my mother was also going by the bank due to letters the Wells Fargo kept sending and depositing multiple XXXX into my account ending in XXXX. I kept my portion of paper receipts thats how I have these transaction numbers. However the rest is digital and the bank has been playing and the sales contract is possibly what makes them think its acceptable. I would like to formally introduce myself, XXXX XXXX. The person responsible for the car having a clean title and no leans would be XXXX XXXX XXXX XXXX, with with Wells Fargo Dealer services on the paper work. They have been negatively impacting my credit and I believe phishing and selling my personal information. I would like this nightmare concluded. If there is a person who can please help me I would appreciate it very much. It was the COVID callers calling 24/7 about my auto loan asking me for my social number and sending me to it to set up a new online account and the branch not having any information regarding payments or interest vs principle. I wrote XXXX with the enclosed papers about a possible Lemmon on my hands. However I didnt hear back from them, my car continues to have one key and get vandalized every time its in a secure parking garage or doctors office. I believe someone might have the spare key or its a engine immobilizer issue. Its been messed up as well as other very dishonest services and thefts.

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NY

Complaint narrative:
I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
I opened a savings account with XXXX XXXX XXXX  on or about XX/XX/23. 

I verified my external bank accounts through their micro deposit process on XX/XX/23 in order to deposit funds into my XXXX XXXX Savings account. 

On XX/XX/23, I deposited {$25000.00} from my verified, external bank accounts and my XXXX XXXX. account was subsequently " restricted. '' Essentially I was blocked from accessing my account/funds on the mobile app and website. 

Since then, I have called approximately 6-8 times and nobody can provide any information other then my account is " under review '' and initially I was told it could take up to 7-10 business days to resolve. It has now been 20 business days. 

After one of the phone calls, I was emailed on XX/XX/23 by XXXX XXXX, Member Advocate Team Leader, asking for my bank statements from my two external accounts. On XX/XX/23 I emailed her a copy of my bank statements. Since then I have sent a followup email every morning asking for an update on my account. No response to any of my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: MO

Complaint narrative:
XXXX  Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as per the guidelines outlined in the Metro 2 Reporting Format. After carefully reviewing my credit report, I have identified inaccuracies and discrepancies that I believe require your immediate attention. 

The following items are being disputed : 1. XXXX XXXX XXXX XXXX Under the Metro 2 Reporting Format, credit reporting agencies are responsible for ensuring the accuracy and integrity of the information they report. It is my assertion that the mentioned derogatory information fails to comply with these reporting guidelines and has a detrimental impact on my creditworthiness. 

It is imperative that you adhere to the Metro 2 Reporting Guidelines in examining each disputed item. 

In accordance with the Metro 2 guidelines, I request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Furthermore, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. 

I understand the importance of maintaining accurate and compliant credit reporting practices. Failure to address this matter in accordance with the Metro 2 guidelines may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws. 

I kindly request that you carry out the deletion process within 3 business days to comply with the guidelines. 

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the Metro 2 Reporting Format, ensuring fair and accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
Time share for XXXX XXXX XXXX XXXX XXXX sent to Sunrise Credit Services , Inc We sing up for time share with my partner and we were lied to since we it was not disclosed to us how they work and that we were expected to pay yearly fees on top of the loan to use property for vacation. So the first time we signed for XXXX and we used the property once when we went on vacation to XXXX XXXX XXXX. 
They later talk us into signing a XXXX loan with guarantee that they would pay our yearly maintenance fees if we agreed to move to change to Missouri property instead of XXXX XXXX but if we stayed as part of XXXX XXXX then they would not pay that but that was a lie because when I called XXXX last year ( 2022 ) the customer service said they do not pay or write off any fees regardless of the property. So the sales person lied. So then I told them I wanted to sell the property and they said they dont do that either. I forfeited the loan since I am not able to pay and not using the property and they have not taken the loan to collection and they continue adding fees to that loan even when I dont use it and I have no access to their vacation homes. They say its a mortgage which does not make sense since I dont own a house with them but I said if that was the case then they should be able to sell it like we do with homes. They have continue to threaten with phone calls from debt collection company Sunrise credit services , Inc . I have called this company and explained the situation and they are adamant that I have to pay the loan for the mortgage and a lien can be put on any property I own and they will continue to increase the fees on that loan even after they have already messed my credit and taken this loan to collection. This is a bad business practice, especially where they refer to this as a mortgage that I own for going on vacation once. It is a scam that is preyed on consumers that need to be exposed and these practices should stop. I am in debt for the wrong thing-Going to XXXX XXXX once should not be worth XXXX and more in fees and threatening to put a lien on anything I own. I am in a financial crisis and mentally distressed because of this and I am not sure how to get out of this debt that has ruined my life.

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/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 2023-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TexCap Financial, LLC
State: TX

Complaint narrative:
Caller says they are with TexCap Financial and they need my birth date to confirm my account. I tell them that I am not divulging personal information to someone I do not know or have any business dealings with. The person says that the calls will continue until I share my birth date. I do not have any auto loans outstanding and the only loan I have is my mortgage. 
I am called twice every day and I am told until I release my birth date the calls will continue. This is harassment for personal information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2023-06-21 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am writing to bring to your attention a concerning issue I have encountered with Comenity Bank regarding the re-aging of my account, which I believe to be in violation of consumer protection laws. 

In XX/XX/XXXX, I obtained a copy of my credit report. According to that report, the Date of First Delinquency ( DOFD ) for my account with Comenity Bank was listed as XX/XX/XXXX. However, upon reviewing my most recent credit report from XX/XX/XXXX, I discovered that the DOFD had been inexplicably changed to XX/XX/XXXX. 

This sudden alteration of the DOFD by Comenity Bank raises serious concerns about the accuracy and integrity of my credit report, as well as potential violations of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Re-aging an account, which involves changing the reported date of delinquency to extend the time period for which negative information remains on a credit report, is widely recognized as an unfair and deceptive practice. 

I wish to emphasize that I have not engaged in any activity or made any agreement with Comenity Bank that would justify a change in the DOFD on my account. The XX/XX/XXXX credit report accurately reflected the original delinquency date of XX/XX/XXXX, and there have been no new incidents of delinquency or default since that time. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Comenity Bank if it is determined that they have indeed engaged in illegal re-aging practices. Additionally, I would appreciate your guidance on the steps I can take to rectify this issue and ensure that my credit report reflects accurate and lawful information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2023-06-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XX/XX/XXXX - I used the card to pay a repairman for work on my home {$360.00}. 
The repairman was not completing the work so I disputed the charge. 
After that, the repairman came and completed the work. 
I called the card- Synchrony Bank- to rescind the dispute. I was told that was impossible because it was resolved in my favor. I was instructed to pay again. 
XX/XX/XXXX, I was refunded {$360.00} XX/XX/XXXX, I contacted the repairman and he recharged me as instructed. 
XX/XX/XXXX, Syncrhony adjusted my account and took {$360.00} stating that the original dispute was NOT settled in my favor. 
I have since contacted multiple times and each person says they see the error and open a new dispute to get my money back. Each time, I am denied. 
I have contacted the bank several times since with promises to call me back and I have not spoken to anyone. 
I have asked them to listen to the recordings and they will not.

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