vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
Report Number XXXX BMW Financial Services There is an account from BMW Financial Services on my credit report. I have continuously tried to dispute this account with XXXX. Each time they continue to verify the account and keep it on my credit report. I have spoken with BMW Financial Services a number of times and they are not able to find an account for me. It is hard to fix this, because XXXX is able to verify an account that I am not able to verify with the original creditor. 

When I call BMW Financial Services and give them the account number, they inform me they are not able to find my information on the account that XXXX is reporting. Most notably, the Social Security Number is different, along with the address. 

My credit file has in the past become confused with somebody else. XXXX needs to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: MS

Complaint narrative:
Im not pleased with the continuous fabrication from this company. the compant stated that there was a set out. That is not true my grandmother and I was given the option to stay because the office manager XXXX at the time spoke to the represenatives and agreed to the payment. We moved because we no longer wantd to stay there. My grandmother and I consulted in the the apartment office on XXXX XXXX XXXX XXXX. I am entitled to have a accurate credit report, I need the original documentation of a set out. Legally I am entitled to see evidence per the FDCPA of an infraction on my credit profile. This account has stressed us to the max. Per section 807 of the FDCPA debt collector may not se any false, deceptive, or misleading representation or means in collection of any debt. i was mailed copied documentation and im entilted to the original documentation.I have proven receipts ive sent in the prior claim. thisis unfair and unjust. the collection company made a astatement about when the payment was sent but it waas sent at the time he property manager XXXX agreed to take the rental assistance from the TERA program.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: LEXISNEXIS
State: MS

Complaint narrative:
Im not pleased with the continuous fabrication from this company. the compant stated that there was a set out. That is not true my grandmother and I was given the option to stay because the office manager XXXX at the time spoke to the represenatives and agreed to the payment. We moved because we no longer wantd to stay there. My grandmother and I consulted in the the apartment office on XX/XX/2021 @ XXXXXXXX XXXX I am entitled to have a accurate credit report, I need the original documentation of a set out. Legally I am entitled to see evidence per the FDCPA of an infraction on my credit profile. This account has stressed us to the max. Per section 807 of the FDCPA debt collector may not se any false, deceptive, or misleading representation or means in collection of any debt. i was mailed copied documentation and im entilted to the original documentation.I have proven receipts ive sent in the prior claim. thisis unfair and unjust. the collection company made a astatement about when the payment was sent but it waas sent at the time he property manager XXXX agreed to take the rental assistance from the TERA program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, I contacted Wells Fargo after receiving a message on my online banking platform indicating the impending closure of my credit card. Seeking clarification on this sudden development, I reached out to Wells Fargo to obtain further details. To my surprise, I was informed that the closure was due to a business decision related to fraudulent activities.

Oddly enough, just two weeks prior to this incident, Wells Fargo had informed me in person at their teller line that my checking accounts were also being closed. Upon contacting Wells Fargo about the closure, I was once again informed that it was a business decision made by the bank. The reason behind this decision, it seemed, stemmed from a fraud case my mother had experienced in 2021, which directly impacted her Wells Fargo accounts. She had taken the necessary steps, including filing a police report and gathering evidence, to address the fraud that was being perpetrated on her accounts. Unfortunately, the perpetrator had managed to withdraw funds from her bank account. 

Around two months ago, I had added my mother as a joint account holder on one of my checking accounts. Due to the extensive fraudulent activity associated with my mother 's accounts, Wells Fargo decided to close her checking accounts as well. In an unexpected turn of events, their decision to end their business relationship with my mother also affected me, despite the fact that none of my accounts had ever been involved in any fraudulent activities.

The situation has left me perplexed and concerned, as it seems my account closure was a consequence of Wells Fargo 's broad response to my mother 's unfortunate encounter with fraud. I am currently seeking further clarification from Wells Fargo in order to fully understand the reasons behind their actions and to address any potential misunderstandings or miscommunications that may have occurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in a direct violation of the Fair Credit reporting act Nissan Motor Acceptance Account number : unknown has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states I have a 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 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: SC

Complaint narrative:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX, XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX ) XXXX Balance : {$1200.00}, XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$950.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-05-31 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: TN

Complaint narrative:
The credit bureau keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681 i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681 b ( 1 ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The credit bureau keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681 i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681 b ( 1 ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
4 months ago venmo closed my account after I got my taxes sent to my account ( {$6000.00} ). They were concerned about the deposit and wanted to have my personal information. I was waiting for my tax paper work to be sent to me and I had lost my license so I was waiting for a new one to get sent to me in the mail. I explained all this to them and that getting a new license in the mail takes a few a weeks and you unable to go into dmv to receive one. I kept in contact with them and reassured them I would send them everything they needed to please not close my account it takes a couple weeks to get my new i.d . i had sent them everything else like Birth certificate, social security, ect. The day I got my license in the mail I opened an email from them saying they closed the account and they gave me no understanding of when they would give me my funds. That day I sent them my i.d, a picture of me with i.d in hand, social, birth certificate, tax paperwork, mail. They ignored everything I sent them and stated " my funds would be held up to 180 days and if they " should be '' available in the future they would email me '' they had also stated that they will not speak about this matter no longer with such vague emails. I've contacted them so many times and they can not give me any explanation or a spew of hope that I will get money but just in a certain time frame. They pretty much ignore me or send automatic emails. This is my tax money most of it from the XXXX children I had. I'm going through a very rough time and really need my funds. I am so disgusted that a company could just hold your money and then say if it should be available to you. This is not a random deposit. It's my taxes from the IRS with my name! Please if you could help in anyway. I'm so devastated that I still can't get a straight answer from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
national credit system this is on my credit report for XXXX this is not my account reporting on XX/XX/2023 XXXX XXXX XXXX this is not on my credit report for XXXX this is not my account reporting XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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:
Incorrect information on credit report with a collection agency that is reporting a recent open account accounts been close for over seven years and just got re-opened in 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My Rights and Protections as a a consumer were violated by Capital One, and I have exhausted all of my options at this point. I incurred a loss of upwards of {$4800.00}, because my Capital One Mobile Apps security had been breeched resulting in identity theft, fraud, and a plethora of unauthorized transactions through Debit, XXXX XXXX and XXXX a Large XXXX Transaction of {$2500.00} dollars was withdrawn/debited from my account in XXXX of this year, this was when I first noticed the fraudulent activity, I immediately filed a claim in XXXX once I was aware ( via my banking statement ). After filing this dispute, it was denied saying that there was no error found and that the transaction was made based on my instructions, this is false, Capital One enabled a fraudulent transaction via XXXX, which led me down a rabbit whole of verifying my transaction and finding that over XXXX ( and maybe more ) was slowly siphoned out of my account over months through a variety of unauthorized debit, XXXX XXXX and XXXX transactions. 

And to make matters worse, They closed my accounts in retaliation to me filing these disputes because they knew there was fraud but refused to refund me the stollen funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX You are in direct violation The Fair Credit Reporting Act ( Credit Acceptance # XXXX ), has violated several of my rights. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Knowingly gave loan that would default.

Sec. 1692d - Harassment or abuse Using credit reporting agency to harass me and abuse Remove this account immediately as you are in direct violation of several laws under The Fair Credit Reporting 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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Theres inquiries on my credit report that i never authorized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: WA

Complaint narrative:
This complaint concerns Albert Bank. My account was " suspended '' for absolutely no reason. I have tired and tried to ask them why but my question has not been answered. I was instructed to send my balance to an external account which I did but around the same time ( XX/XX/XXXX to be exact ) my other check hit the account and was not posted or sent back. I was told if I sent them my paystub I would get the answers to my question but they only sent me another generic, robotic response despite being told that I am going to be evicted from my apartment because of this. Albert Bank has no customer service phone number and only response to messages when they feel like it and the answers come from a pool of artificial intelligence responses so this is extremely frustrating and I desperately need this matter to be resolved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
According to my credit report at the end of XXXX, I was authorized a credit card which, was not requested by me, I called the applicant bank and requested to close it. That card did not have any knowledge again, until I reviewed my credit report where it tells me that I have a debt of {$6000.00}. 

Said card had a limit of {$1500.00}. I contacted the company in this case Apple Card. and requested that they send me where these payments were made from that card since at no time did I make any payment corresponding to that card, and the payments said by apple were returned. my credit being affected, and being affected considerably, since the card was used 300 % of what was available to be able At no time did I receive any letter from Apple, no notification regarding a debt with them, or anything. According to the records in XX/XX/XXXX, they made multiple payments without success and are not registered under my name. 

In XX/XX/XXXX, they tried to make another payment of {$2100.00} for automatic payment, which I do not have any automatic payment or accounts registered with that entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was charged {$50.00} for XXXX XXXX XXXX XXXX  that I never used ( posted XX/XX/23 ). After not being able to resolve it with XXXX XXXX XXXX, I disputed the transaction with Barclaycard ( on or around XX/XX/23. They soon after sent me a letter stating that my dispute was not approved because " We were not provided with the true nature of the dispute when first notified of the claim. '' This is untrue -- all the information I gave was factual. I contacted Barclaycard again and the agent recommended I mail in a letter explaining all the details. I did so, and received the same letter stating my dispute could not be resolved ( XX/XX/23 ). 

I should not have to pay for services that 1. I did not use and 2. was recommended to me by XXXX XXXX XXXX by mistake.

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