vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number : XXXX. I have tried everything to dispute this with the credit bureaus and they verified all of the information as accurate. I am working so hard to bye a house and keep running into problems. I WAS NOT EVEN IN COLLEGE IN 2019, I GRADUATED XXXX SCHOOL XXXX YEARS BEFORE THIS. I just got my reports and I think it is wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. *pay off disclosure *interest rate disclosure *balance history *payment history *credit insurance ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation Thank you so much!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX  Account Number : XXXX. I have tried everything to dispute this with the credit bureaus and they verified all of the information as accurate. I am working so hard to bye a house and keep running into problems. I WAS NOT EVEN IN COLLEGE IN 2019, I GRADUATED XXXX SCHOOL XXXX YEARS BEFORE THIS. I just got my reports and I think it is wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. *pay off disclosure *interest rate disclosure *balance history *payment history *credit insurance ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number : XXXX. I have tried everything to dispute this with the credit bureaus and they verified all of the information as accurate. I am working so hard to bye a house and keep running into problems. I WAS NOT EVEN IN COLLEGE IN 2019, I GRADUATED XXXX SCHOOL XXXX YEARS BEFORE THIS. I just got my reports and I think it is wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. *pay off disclosure *interest rate disclosure *balance history *payment history *credit insurance ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation Thank you so much!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was unexpectedly and permanently blocked from my PayPal account with no explanation and I have not been able to receive help from customer service, despite their best efforts. I answered all the necessary requests that the PayPal team asked for and still they do not provide me with help and have abruptly shut down my account. I am aware of how important it is to have time-sensitive account reviews in order to keep PayPal a safe platform for both consumers and merchants. I have always stayed true to the company 's policies and user agreements, just like I did when I signed up for the account. My account was only temporary restricted, but I have not violated any user agreements or done anything that could lead to the permanent restriction. I would like to ask PayPal to reopen their investigation of this issue and help me restore access to my account. My PayPal account is connected to the email XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX of 2022. My card was charged for the amount of {$XXXX} and then XXXX weeks later it was charged again for {$XXXX} From the same company ( XXXX XXXX ) I have contacted Wells Fargo when I saw the first charge and informed them that my card was stolen. Yet a charge poped up out of no where and they should have have block these transactions. 

They promised they fixed the issue. Then like I mentioned XXXX weeks later, another charge poped up. 
I called and waited on hold for hours. I was transferred from department to department and they themself seem to not know how to fix or even understand whats going on. I have been a customer of wells since I was in middle school. Never ever filed a fraud or dispute in my life. Never been late to a payment all these years. Yet they are treating me like this. 

I have explained that they can check my credit history, I never purchase from XXXX XXXX like ever. The closet store is hours hours away from me. 

They declined my statement and send me a letter saying that am the one made these payments. Even tho I have provided evidence showing I have not made these. This is outrages and unacceptable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: GA

Complaint narrative:
See attached document for full complaint. I demand that you do a proper investigation for you willful noncompliance of inaccurate reporting to credit reporting bureaus. I have also sent a copy via certified mail with tracking number XXXX. Do not mark this as frivolous. Any information received from you will be collected as evidence for legal action against you. This is a request for information only, and is not a statement, election, or waiver of status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
Took a loan with Sallie Mae. Paid the loan off over 15 years ago then they transitioned to Navient. Now I have a lawyer 's office contacting me telling me I owe over {$4000.00} on a paid off loan. I do not have the proof of the payments as it was more than 15 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See attached document for full complaint. I demand that you do a proper investigation for you willful noncompliance of inaccurate reporting to credit reporting bureaus. I have also sent a copy via certified mail with tracking number XXXX. Do not mark this as frivolous. Any information received from you will be collected as evidence for legal action against you. This is a request for information only, and is not a statement, election, or waiver of status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: GA

Complaint narrative:
See attached document for full complaint. I demand that you do a proper investigation for you willful noncompliance of inaccurate reporting to credit reporting bureaus. I have also sent a copy via certified mail with tracking number XXXX. Do not mark this as frivolous. Any information received from you will be collected as evidence for legal action against you. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I my car on XXXX according with the note the total cost of the car was {$31000.00} with monthly payment of {$830.00}. During the pandemic I was struggle to keep all my finances on place. I decide to do Bankruptcy during the bankruptcy the bank refuse to take payment I save the money after the discharge a give them a call I was informed I need to make a payment of {$2700.00} which I made as soon a make the payment I call them to make sure everything was in order. Per bank rep I need to pay a total almost of {$7000.00} which I explained that was not the amount I was told. Per supervisor I would be fine they have to granted the amount. On XX/XX/XXXX I decide to call the bank to verify the payoff of my car, I was informed my car was in repossessing status and I need to make a payment of {$5600.00} I ask why my car is in repossessing when I have being making my payment. Per rep the car has being in that status since XX/XX/XXXX because I failed to pay the other {$5600.00} back in XXXX. I'm being requesting to see my payment online they stated they don't have that option they can email to me. Per Credit acceptance rep I'm still owe {$35000.00} for this vehicle, do to the total cost was {$59000.00} at the end of the loan term. I verify with my financial institutions I already pay almost {$26000.00} for this car. I have stop the XXXX payment until I can get legal advice because I being pay for a car that can be picked up at any time and this people don't even send me a letter to let me know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NJ

Complaint narrative:
I have called XXXX many times in an attempt to rectify this issue. They are reporting late payments to the CRAs even though the terms were {$XXXX} for XXXX  months. The account was paid off before then. In fact XXXX shows XXXX derogatory months while trans union shows XXXX. The amount due was paid in a lump sum of {$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 2023-02-01 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: NJ

Complaint narrative:
I have called XXXX many times in an attempt to rectify this issue. They are reporting late payments to the CRAs even though the terms were {$XXXX} for XXXX months. The account was paid off before then. In fact equifax shows XXXX derogatory months while XXXX XXXX shows XXXX. The amount due was paid in a lump sum of {$XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: WA

Complaint narrative:
I signed up for a US bank credit card. Whenever the bill was due, it tried to take a payment from an old linked bank account that was no longer open. Apparently, the bank made an error and instead of doing a stop payment on this, they allowed it to go through and then returned it. As a matter of fact, they sent me an apology letter and a check in the mail for like {$20.00} to cover any fees the issue may have caused. While I didn't incur any fees, I did lose my us bank credit card account because they shut me down for this.

This is very upsetting for multiple reasons. Firstly, I loved the card and its offerings. Secondly, it doesn't look good on my credit to have a card closed by the issuer. And lastly, I didn't get any of my rewards. Despite meeting the spend requirement for the sign up bonus well before my account was closed and being promised an additional statement credit because one of the call center representatives lied and provided me false information so the manager said he'd apply a statement credit to my account as a customer service gesture.

I ended up not receiving any of my rewards or credits and when my account was closed, I was forced to pay the balance in full. I believe they should've, at minimum, honored the statement credits since I legitimately qualified for it and deducted the amount from my final pay off amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX I received a notice from Bank of America that my AAA XXXX rewards credit card offered by Bank of America would be transferred to a new banking institution. As I did not want to begin a relationship with another bank, I called Bank of America to cash out all the points I had accumulated on the card and close the account. I received confirmation on XX/XX/XXXX that this would be completed and that I would receive an AAA  XXXX  Check for the value of my rewards in the next XXXX weeks. 

In XX/XX/XXXX when I still had not received an AAA XXXXXXXX Check for my rewards, I called Bank of America and spoke with a supervisor who initially indicated there was nothing they could do and suggested I call the new bank that had taken over the card. I protested as the whole reason for cashing out all the rewards and closing the card was to avoid any dealing with a different financial institution. I also clarified that as the account was closed and cashed out, I did not understand how a new bank would have any records or any responsibility for this. At the end of the call she agreed to speak with her wider team to come up with a solution. 

In XX/XX/XXXX XXXX  I still had not received any substantive update, solution or AAA  XXXX XXXX. I again called and was transferred to a different supervisor. This supervisor saw some limited notes about the previous problem, but also expressed difficulty in constructing the whole story due to the product being closed at Bank of America. She again promised to research with a senior team and to get back to me with a solution. I was provided a XXXX XXXX number of XXXX. It is now XX/XX/XXXXXXXX and I still have no update nor any resolution. I am now out nearly {$XXXX} in rewards value ( just under XXXX points valued at XXXX XXXX  each for an AAA  XXXX XXXX ) and have little confidence this will be resolved as each time I call I start the process with a new agent and no progress.

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
Consumer complaint received 2023-02-01 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: MI

Complaint narrative:
Inaccurate personal information also information that I have contacted all three credit agencies about debts that are not mine my identity was information was compromised, my bank account information was compromised and stolen we lost XXXX bank never alerted us about the big charges but call us on a XXXX charge to see if it was us but never minded the large charges

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 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 account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
2020 i discovered a fraudulent bank loan account on my Experian credit report. I've been disputing this same account 2 years now till the present day. I've sent in countless police reports after police reports dispute after dispute. i had Experian to put a fraudulent alert on my credit file. after these exhausting couple years of disputing with Experian credit bureau gives me no hope to resolve this issue with XXXX XXXX XXXXl lending intuition reporting a fraudulent account to my Experian credit report. i pray this complaint gives me a great opportunity to see this fraudulent account removed. Experian out of 2 years never mailed me the proof i requested in the 30 days to show me that this fraudulent account belonged to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 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 account under an open-end consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 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 account under an open-end consumer credit plan as late for any reason.

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