vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 I got a call from someone claiming to be my bank Well Fargo, he said he was XXXX from Wells Fargo. He claimed they were some unusual charges on my account and that he needed me to download app called XXXX and that someone was using XXXX for {$1000.00} loan in my name & I had to verify myself, than he had me XXXX {$1000.00} to him at XXXX, and then XXXX {$2000.00}, and XXXX another {$500.00} to him saying the money would go into another account for me, but it was really going to him. Wells Fargo has closed the cases & says since I approved the XXXX transactions that I cant get the money back. They also said they contacted the bank he used and waiting for his bank to look into it and get the money back from his bank. However, he has unenrolled from XXXX and havent gotten the money back and Wells Fargo cant do anything else. 
I explained to the bank that he was a scammer & because I used XXXX, they cant get the money back.

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to nor benefit from the following inquiries on my consumer report : XXXX XX/XX/2022, XXXX XX/XX/2022, and XXXX XXXX XXXX This is not a duplicate complaint. Do not close this complaint without a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, my social security was deposited and I couldn't get it out in its entirety. The identity theft person kept changing my pin and they ended up taking my money, basically {$1400.00}. I took out {$600.00}. The daily limit was met, there was about {$800.00} left. I called Netspend and I told them what happened and they wouldn't let me transfer the rest of my money out. So the thief took the balance out later that day and the next day. I couldn't access my account. The identity theft people kept changing my pin, email, security questions and password over and over. The bank wouldn't freeze my account. I begged them over and over to freeze it. I asked them why they didn't freeze it because of all the unusual activity. Who keeps changing all this access information? I've been a customer since XXXX. I have sent the bank at least XXXX emails, gotten a police report, contacted the FTC, FBI and I provided all of this information to the bank. The dates my money was withdrawn are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I asked the bank repeatedly to freeze my account. They didn't. I told them several times to do this. I even reset my security question, the thief changed that. Then I was unable to access my account because they changed EVERYTHING and they were going to send an access code to the fraudulent phone number. I was so upset. They had essentially stolen my account, and the bank let them. This money is what I live on. I'm very upset, to say the least because I had to prove everything over and over again. The customer service people wouldn't let me speak to a supervisor, and nobody would let me know the dispute departments phone number or email address. I was passed on from one person to another and it was obvious to me they were trained to deflect people from finding out specific information. I believe this bank acted in an illegal manner, in my opinion. I want my money back with none of the flimsy excuses and I need it ASAP. I need my medications. I have several illnesses, serious ones. This has caused me so much stress I can not eat or sleep well. I just want/need my money back and I want to be done with them. False promises and their excuses ... they can keep them.

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 2023-11-18 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It XXXX Concern : I am writing to dispute the following information on my credit report. I recently received a copy of my credit report and found the following inaccurate information reporting to my credit : Name : American Credit Accp. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX recently reviewed my credit profile and notice inaccuracies and/or incomplete information, and accounts that are inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FCRA- you are required to promptly report the credit obligation or account as current. If the furnisher makes an accommodation ; such accommodations defined as an agreement to defer 1 or more payments or forbear any delinquent amounts. 

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXXXXXX XXXX ( XXXX ) XXXX  during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel XXXX  XXXX ( XXXX ) XXXX  declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 


That being said, I demand that all late payments reporting late on these accounts be updated to PAID AS AGREED, NEVER LATE, and the amount to report as current. If you neglect to update this information, I will promptly file a CFPB complaint. 

I await your reply. Once you have fulfilled my request, please mail me an updated credit report reflecting these changes. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: Self Financial Inc.
State: MI

Complaint narrative:
I will need proof these 2 SELF accounts are mines. I have no knowledge of any account with you and I have been trying to resolve this matter. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.

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 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This is regarding the Bread Rewards XXXX XXXX credit card from Bread Financial. I had a balance on XXXX, which I paid online from a bank account. Bread could not process the payment and charged me a late fee of {$29.00} and finance charges of {$2.00}. If they could not process the payment, they did not send me any electronic notification. 

This is a new credit card that they have launched and their online systems are not set up properly : XXXX. I keep getting prompted to update my email and phone, although I have done it multiple times. 
XXXX. If they do not accept a particular type of bank account, then should alert the user when the payment account is being added. I tried with different banks as their system would not allow me to save the information while not displaying any reason. Finally, after XXXX bank attempts, I was able to successfully add a payment account. There were no errors. 

I spoke to XXXX from Ohio, ID XXXX. She said that they can only accept bank accounts that have a routing #, account # and accepts ACH. All the accounts that I tried adding does that. Then she said that we only accept checking accounts. If so, their system should not accept savings accounts. All other credit cards that I work with accept any payment account type. 

I asked her to take off the fees. She said that she would not. I am not paying them extra for inefficiencies in their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This company has violated my federally protected consumer rights by sharing my personal information. 

According to 15 USC 6802 it states except as otherwidse provided in this subchapter, a financial institution my not, directly or through any affiliate, disclose to a non affiliated third party any non public personal information unless such financial institution provides or has provided to the consumer a notice that complies with 6803 of this title.

15 USC 1681 Section 602 A states that I have a right to privacy.

15 USC 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

1666B also states a consumer reporting agency should never consider any credit card payment late under an open end consumer credit plan for any purpose. 

Those accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have started the lawsuit against TransUnion already XXXX The case number is XXXX. I will be filing against XXXX if no action is taken

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 2023-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: GA

Complaint narrative:
On XX/XX/XXXX Lending Point LLC charged a card that was previously used for a one time payment months before, they used it for an unauthorized transaction on XX/XX/23 for {$500.00}. When contacted, the company agreed they knew of the transaction and that they would immediately fix it. To this date I have talked to a few representative who have given dates that it would be credited back to the account and this has not happened. Various dates and times I was told it would only take 5 days to credit the account back, then most recently I was told it would be back in XXXX to XXXX business days from when I called, not when they realized they did this action illegally. Which meant that, this past Friday would have been the date the credit would have happened. 

The account was over-drafted by this deceptive practice and fees were applied, the account was not authorized for any transaction or drafting on that date and there was not consent given to draft the account. For several weeks this has cause major grievances and even lost wages. 

The actions of Lending Point LLC have caused bills to be unpaid, fees applied, and lost wages from the company drafting a payment from a debit card/account that they were not authorized to do so. 

The company knew of the incident and have not rectified the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
My name is XXXX XXXX, I am a customer of PayPal with XXXX on the PayPal website PayPal limited my account XXXX weeks ago and requested for ID card, bank statement and other documents which I provided and PayPal said they would unlock my account in XXXX business day. 

But as it stands now, PayPal has not still unlock my account after I gave submitted the documents XXXX week ago. 

This is very unfair practice and I do hope PayPal can put things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 2023-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
The company listed below is reporting fraudulent information stating that I have a collection account with them. I have no collection account with any company and they are harming me financially, not only that, they are stating I owe something as of XXXX of this year, XXXX review of my credit profile will show that I pay my creditors off almost completely every month. They have also not communicated anything to me but has heisted my credit profile in what appears to be extortion, my credit cards routinely run over $ XXXX and I pay them off in full, I certainly owe this fraudulent company nothing, I'll also include that my phone number has not changed in 21 years. I don't know who these people are and I certainly don't owe them anything this issue has dropped my credit score by XXXX points and I owe them nothing, my credit file has been in good standing for years and I owe no company anything. 

RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2023 Status Collection account. {$940.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 XXXX {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( June ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted complaints to you begining XX/XX/XXXX  then XX/XX/, then XX/XX/XXXX  and now XX/XX/XXXX  about EXPERIAN not correcting my report. I have ran my credit again this morning and the following are still on my report. The have reinvestaged some and put incorrect status it has been more than 30 days which is against the law per document I have attached. I am reporting this to the Attonery General Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have included a letter from them to remove these which i also uploaded to experian and it is still on report shos they do nothing and this was sent to them two months ago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine requested proof sent letter of valadation proof XXXX this was a secured card that i paid XXXX deposit I owe them nothem I want documents havent gotten XXXX I have sent them cerified and I have signature they got it sking  for all transations and statements of were my payments went I paid them on time on Ach AND THEN THEY WOULD CHARGE ME LATE FEES AND SAY IT DIDNT OAY WHEN I DID, Then experian states it is accurate XXXX XXXX i requested a signed copy of contract which I havent gotten

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank stop me from accessing my account. Then when I ask Truist to take the hold off my account they give me run around I go to the different Truist bank branches they say there is nothing they can do. This been going on the whole week of XX/XX/XXXX and still going on. I cant get to my money

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