vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
After carefully reviewing my updated credit report, I saw that you are currently reporting this collection account provided above on my credit report. I have no knowledge of this account in the first place. While you are currently reporting this alleged debt on my credit report it is causing significant harm to my credit score and financial reputation. 

RE : Account Number XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On or around XX/XX/2023, I filed an EFTA claim with Wells Fargo Bank in the amount of {$1600.00} against a merchant " XXXX XXXX '' On XX/XX/2023, I called Wells Fargo to inquire regarding the status of my fraud dispute and they told me that they denied my claim because the investigation revealed that I authorized this charge with XXXX XXXX  Please be advised that I provided a police report to Wells Fargo 's fraud department shortly after ( few days ) i filed my claim. I advised Wells Fargo and the police that I suspected my brother of stealing my passport, driver 's license and Wells Fargo debit card and made this unauthorized charge at XXXX XXXX. Thereafter, I called XXXX XXXX and explained to them what had transpired and they provided me with a few sheets of paper that my brother had filled out and signed. The handwriting and signature on this paperwork looks to be my brothers and appears to be a forgery of my signature. I'm asking Wells Fargo to please refund me my money as this is a lot of money and I desperately need it as the holidays are here. I did not authorize that charge at XXXX XXXX. Thank you in advance for your cooperation in this matter and your kind and prompt response.

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 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: PA

Complaint narrative:
So I was trying to use my debit card to purchase something on the XXXX XXXX store. I had used it earlier in the day on XXXX XXXX no problem. This time however my bank declined the transaction. I attempted a few more times over the next day and it was declined every time. After hours of back and forth between Discover support and XXXX support, I was told the transactions were being declined by Discover " for security reasons ''. I asked what the security concerns were and was refused an answer. I asked for a timeframe for the issue to be resolved and was refused an answer. Because I am being completely refused the reason and any method or timeframe to resolve it, I am writing this complaint. They are refusing to work with me to resolve this issue and restore full access to my debit account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

- 15 USC 1681 Section 602 A. States I have the right to privacy - 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions - 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX had inaccurately reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681eb because it is not accurately reporting and demand this late payment be updated to paid as agreed

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is still showing a collection account from XXXX XXXX XXXX. This account belongs to another person and I have no responsibility to the payment of this account. I have attached a copy of the account charge off on my Equifax report showing that I was only an authorized user. Accordingly, I request the account to be deleted permanently from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Im being asked to provide {$100.00} by XXXX XXXX XXXX. This is them saying that its something from PayPal. I provided documentation from my bank where {$100.00} dollars were sent to PayPal around the date of this debt collection creation. PayPal also has sent me an email saying the confirmed the {$100.00} payment. I sent this information to debt collector agency and they dont think it is enough and are trying to send me more info for me to sign. 

Sounds like PayPal sending me to collections, then me paying, then PayPal not doing due dilligence and contacting the debt collectors. Either PayPal or XXXX XXXXXXXX XXXX not doing their required work and asking me to prove why I dont owe the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my consistent efforts to rectify this issue, the inaccurate information persists, adversely affecting my credit score and causing significant distress. 

There are several items on my credit report that are the result of identity theft or fraud. I have submitted multiple dispute requests, along with supporting documentation proving the fraudulent nature of these items. 

I have made numerous attempts to resolve this matter by submitting the required documentation and following the proper dispute procedures outlined by your organization. However, these efforts have been met with limited success, and the fraudulent items remain on my credit report. 

The presence of these fraudulent items has a severe negative impact on my creditworthiness. It hinders my ability to obtain credit, secure favorable interest rates, and negatively influences my financial well-being. 

I kindly request that you conduct a thorough and expedited investigation into these fraudulent items and take immediate action to remove them from my credit report. I have attached copies of the supporting documentation for your reference. 

Furthermore, I expect timely communication and a written confirmation of the resolution once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will no longer be a part of my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2022 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my consistent efforts to rectify this issue, the inaccurate information persists, adversely affecting my credit score and causing significant distress. 

There are several items on my credit report that are the result of identity theft or fraud. I have submitted multiple dispute requests, along with supporting documentation proving the fraudulent nature of these items. 

I have made numerous attempts to resolve this matter by submitting the required documentation and following the proper dispute procedures outlined by your organization. However, these efforts have been met with limited success, and the fraudulent items remain on my credit report. 

The presence of these fraudulent items has a severe negative impact on my creditworthiness. It hinders my ability to obtain credit, secure favorable interest rates, and negatively influences my financial well-being. 

I kindly request that you conduct a thorough and expedited investigation into these fraudulent items and take immediate action to remove them from my credit report. I have attached copies of the supporting documentation for your reference. 

Furthermore, I expect timely communication and a written confirmation of the resolution once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will no longer be a part of my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I Called the credit reporting agencies letting them know the inquiries and accounts are unauthorized not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is aggravated identity theft.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I Called the credit reporting agencies letting them know the inquiries and accounts are unauthorized not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is aggravated identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am here again to express my extreme concern and frustration with the reporting of an account on my credit file that does not belong to me. The XXXX XXXX XXXX account, with the account number XXXX and an open date of XXXXXXXX XXXX XXXX, is being inaccurately reported on my credit file, causing undue distress and XXXX I have already taken the necessary steps to dispute this account with other credit bureaus, who have acknowledged the error and have promptly removed it from my records. It is perplexing and disheartening that your bureau has not followed suit. I am a victim of identity theft, and it is essential that credit bureaus comply with reasonable requests to ensure accurate reporting. I demand that you conduct an immediate and thorough investigation into the accuracy and validity of the XXXXXXXX XXXX XXXX account on my credit report and take the necessary steps to rectify the error promptly. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
After XXXX finally had to put my money back in my account on XX/XX/10 and unfreeze it they said the only way to get it back was send it to Venmo and then to my bank... 

I sent it to Venmo and it said it will be held until the XXXX, so I waited 6 business days before contacting them, and they actually emailed me and texted me at XXXXXXXX XXXX. The email read " Congratulations your money is now available and we have successfully varied your identity! '' And the text message said that they had sent me a debit card. 
So I logged in as I wasn't asleep, I was thinking about money issues ironically, to transfer my money to chase or see if I could pay my XXXX and water/garbage bills through Venmo. 

I was able to set everything up to transfer, and then was stopped at last screenvwhich said my account is frozen and I can't access my money. {$1000.00}. 

I chatted in and got someone who introduced themselves and then didn't say anything for an hour until the chat disconnected. 

So I called, and sat on hold for another hour until the call hung up on me. 

This has been the theme of all day. The person I am on with now said " you've been dealing with this since XXXX XXXX?? '' At around XXXX in the afternoon. It is now XXXX and they have not said a word since. My money is still frozen and I have been trying to find out why, and why they sent me contradictory emails and text messages 14 hours ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain errors : The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my report. I understand that you are obligated to verify these items with the respective creditor. Please eliminate any information that can not be verified by the creditor. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 15 days of receiving this letter. 



Thank you for your attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain errors : The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX AND XXXX XX/XX/XXXX EMPLOYER : XXXX AND XXXX XXXX XX/XX/XXXX EMPLOYER : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EMPLOYER : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EMPLOYER : XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MD XXXX PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my report. I understand that you are obligated to verify these items with the respective creditor. Please eliminate any information that can not be verified by the creditor. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 15 days of receiving this letter.

Thank you for your attention and assistance in resolving this matter. 

Sincerely, 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