vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2021, and XXXX XXXX, 2023, I wrote to tell CREDIT COLLECTION SVCS to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

CREDIT COLLECTION SVCS Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( XXXX  days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
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: MI

Complaint narrative:
I have been using Venmo for a long time without issue. Small sales, Rent payments, the normal things. I own a small sign company, am working on a sign for an XXXX XXXX in XXXX XXXX Michigan in my home state. XXXX XXXX Sent me {$710.00} for the payment to produce and install the sign. I do have a business account also attached to my venmo account. In the comments section, he stated new sign. Upon receipt, I logged in to complete an instant transfer as I have done many times in the past and it said it could not be completed. I tried again, no luck. I removed my card, re-added it and still no luck. I called Venmo, explained the same details and was recommended to remove the card and add it again. I said I already had and they informed me that it can take a little while for the system to update but I could make a standard withdrawal to my bank account on the account. I said it had not been verified and they said verification only applies to funding not withdrawals. I initiated the withdrawal, received notification via email that the estimated arrival to my Bank. In the meantime, Venmo 's site informed me that my Venmo XXXX would be expiring soon and I should order a new one, Did so and it is actually arriving today. 
Within minutes of all of these transactions, I received an email stating my account is temporarily frozen. I responded to the email asking why and have had no response. I called back and was told I could not talk to anyone and had to contact them VIA email. I have since, received automated messages, asked for explanation and have yet to get a response, Venmo has not requested any information and they have actually verified my bank account all while being frozen. I have talked to whom I was told was Supervisor with no resolution, have been told that my Ticket # XXXX has been escalated and I should have a response in 7 days. These practices are criminal in the electronic world today. I need my account restored or funds returned to the sender. 
Desired Settlement : I requested the money be returned to the Sender and they told me that can't happen because my account is now suspended and still give me no reason as to why or any resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have {$7200.00} in funds tied up in my now closed Wells Fargo account that I have not been able to gain access to or retrieve funds from since XXXX XXXX XXXX. My sister sent the funds to my personal Wells Fargo checking Account from her XXXX XXXX checking account. Wells Fargo flagged the transaction as fraudulent immediately, and froze my personal checking and savings account. An email was sent to me stating the next steps they would take and a letter was also sent in the mail from WellsFargo via XXXX. The letter stated the transaction was on hold due to an expected dispute by the sender to be filed. It stated that if a dispute was filed by the sender ( whom was my sister and sent the funds to me willingly- not by accident or fraudulently ) then the funds would be returned in a check to her name/address. It also stated if no dispute was filed within 60 days that the funds would be released to me and mailed in a check form for the remaining balance that was in my checking & savings account. There was never a dispute filed or intended to be filed as I stated my sister sent the money directly to my Wells Fargo account. I have reached out to Wells Fargo countless amounts of time. They will not release my funds to me and I am at my wits end with this company as they are holding my money for no apparent reason, and basically insinuating it to be fraud when in fact there was no fraudulent activity, clearly there was also never a dispute filed either. There is no reason why I have not received a check with my funds from my account that they froze XXXX of 2021 and closed for absolutely no 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
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: MA

Complaint narrative:
The reporting agency XXXX, XXXX, Transunion continue to report incorrect information : don't investigate info existing ; report acct. status/ information incorrectly ; dispute not fixed ; reporting closed accounts; reporting updates to XXXX accounts ; reporting closed accounts in bankruptcy showing as updated ; showing XXXX accounts as updated ; old information appear over and over ; Showing info that belongs to someone else ; Receiving inquire to report not recognized ; receiving financial products after opt out. I last contact the reporting agency in XXXX 2023. I immediately was met with response of my credit score being decreased. This is a pattern when I file a complaint with the reporting agency, my score is immediately decreased. I also detect a pattern if my score increases by a day, it is met with a decrease from XXXX pts XXXX days later without no new reporting information. The people taking the reports are often hurried, irritated, incompetent, an unapologetic. I find this to be a cycle of XXXX  by these credit agencies. I have reached out to your agency multiple times without resolve. I would like to solve this without having to enlist an attorney as it is costly.

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: MA

Complaint narrative:
The reporting agency XXXX, Equifax, XXXX continue to report incorrect information : don't investigate info existing ; report acct. status/ information incorrectly ; dispute not fixed ; reporting closed accounts; reporting updates to XXXX accounts ; reporting closed accounts in bankruptcy showing as updated ; showing XXXX accounts as updated ; old information appear over and over ; Showing info that belongs to someone else ; Receiving inquire to report not recognized ; receiving financial products after opt out. I last contact the reporting agency in XXXX 2023. I immediately was met with response of my credit score being decreased. This is a pattern when I file a complaint with the reporting agency, my score is immediately decreased. I also detect a pattern if my score increases by a day, it is met with a decrease from XXXX pts XXXX days later without no new reporting information. The people taking the reports are often hurried, irritated, incompetent, an unapologetic. I find this to be a cycle of XXXX  by these credit agencies. I have reached out to your agency multiple times without resolve. I would like to solve this without having to enlist an attorney as it is costly.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX

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: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

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

15 U.S.C 1681section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
Santander agrees to provide notice to each CRA to which Santander reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief agreed by Santander Consumer USA with NY Attorney General for deficiency relief on cars that were violation of Article 9 of U.C.C. The company never to provided a notice before selling the vehicle and no receipt was procured to prove that notice to sell vehicle was given. The secured creditor must take several steps to properly effectuate the sale of its collateral pursuant to Article 9 following a debtors default. Under Section 9-611 of the Uniform Commercial Code, a secured creditor is required, in most circumstances, to send a reasonable authenticated notification of disposition. The notice is intended to provide the debtor, and other interested parties, an opportunity to monitor the disposition of the collateral, purchase the collateral and/or demand any surplus proceeds recovered from the sale. 
Accordingly, a secured creditor must send notice that is reasonable as to manner, content and time. Since the notice must be authenticated, a secured creditor may not give verbal notice to the debtor. A secured creditors notice must be made either electronically or in writing. A creditor that fails to provide this reasonable notice can potentially be held liable for any loss created by its failure to give notice properly of the location and sale date of the vehicle. The sale was not given before the car was auctioned making the sale COMMERCIALLY UNREASONABLE.

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: FL

Complaint narrative:
had a car loan with XXXX XXXX XXXX XXXX. THEY JUST REPORTED MY ACCOUNT AS LATE/PAST DUE EVEN THOUGH I PAID OFF THE LOAN EARLY. 
I AM ATTACHING THE PAST THREE PAYMENTS AS WELL AS THE FINAL CHECK THAT WAS SENT TO THEM ON XX/XX/XXXX. THE COPY OF CASHED SHOWS IT WAS CASED ON XX/XX/XXXX ALMOST TWO ( 2 ) WEEKS AFTER IT WAS SENT. IT WAS LOCAL MAIL SO IT WOULD GET THERE IN A DAY OR TWO. 
XXXX had the check sitting on for almost two ( 2 ) weeks, then have the nerve to report me late.

I kept checking my account to see if it was credited, but it was not. 
I also emailed XXXX that the payment was coming and received a copy of their payoff. ( see attached )

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: FL

Complaint narrative:
had a car loan with XXXX XXXX XXXX XXXX. THEY JUST REPORTED MY ACCOUNT AS LATE/PAST DUE EVEN THOUGH I PAID OFF THE LOAN EARLY. 
I AM ATTACHING THE PAST THREE PAYMENTS AS WELL AS THE FINAL CHECK THAT WAS SENT TO THEM ON XX/XX/XXXX. THE COPY OF CASHED SHOWS IT WAS CASED ON XX/XX/XXXX ALMOST TWO ( 2 ) WEEKS AFTER IT WAS SENT. IT WAS LOCAL MAIL SO IT WOULD GET THERE IN A DAY OR TWO. 
XXXX had the check sitting on for almost two ( 2 ) weeks, then have the nerve to report me late.

I kept checking my account to see if it was credited, but it was not. 
I also emailed XXXX that the payment was coming and received a copy of their payoff. ( see attached )

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
had a car loan with XXXX XXXX XXXX XXXX. THEY JUST REPORTED MY ACCOUNT AS LATE/PAST DUE EVEN THOUGH I PAID OFF THE LOAN EARLY. 
I AM ATTACHING THE PAST THREE PAYMENTS AS WELL AS THE FINAL CHECK THAT WAS SENT TO THEM ON XX/XX/XXXX. THE COPY OF CASHED SHOWS IT WAS CASED ON XX/XX/XXXX ALMOST TWO ( 2 ) WEEKS AFTER IT WAS SENT. IT WAS LOCAL MAIL SO IT WOULD GET THERE IN A DAY OR TWO. 
XXXX had the check sitting on for almost two ( 2 ) weeks, then have the nerve to report me late. 
I kept checking my account to see if it was credited, but it was not. 
I also emailed XXXX that the payment was coming and received a copy of their payoff. ( see attached )

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XXXX XXXX XXXX and XX/XX/XXXX, I wrote to tell PORTFOLIO RECOV ASSOC AND XXXX XXXX XXXX XXXX XXXX. to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

PORTFOLIO RECOV ASSOC Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.

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: PA

Complaint narrative:
I recently received a copy of my three consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried to reach out to the credit bureaus as well as the department of education in reference to my loans. A lot of the loans are past the statue of limitations so they should be removed from the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have tried to reach out to the credit bureaus as well as the department of education in reference to my loans. A lot of the loans are past the statue of limitations so they should be removed from the credit report.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried to reach out to the credit bureaus as well as the department of education in reference to my loans. A lot of the loans are past the statue of limitations so they should be removed from the credit report.

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

Complaint narrative:
I have had Wellsfargo send me notices that I would ne reimbursed for the fraudulent activity that was on my credit card account in which I only received {$900.00} and some change. The total that was stolen from me was {$6000.00} and some change. I am not sure how long this usually takes but this is messing up my perfect credit, and all of these late fees are adding up. 

Remind you I only received {$900.00} and some change towards this outstanding balance.

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: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX sold a claimed debt for renting a home to National Credit System .They sold a debt claiming l owed them $ XXXXNational Credit system put this said debt on my credit report without verification of the debt.This caused me to lose the house l was going to get because it messed up my credit.Then XXXX XXXX  send me send me a letter that l didnt owe them {$4900.00} dollars l owed them {$2100.00}. Those company has messed up my credit cause me not to get the house l wanted to purchase. They were notified 60 days in advance that l was leaving the apartment by mail and on their XXXX site, In which l have no access to.They sold this said debt on myself and mother XXXX XXXX with XXXX different amounts {$3700.00} to National Credit System.Then saying l don't owe $ XXXX don't owe them any money they are confused and have mess up my credit.l had to pay my lender to take that said debt off my credit report and my mother 's. They have made me lose my dream home and l don't owe them any money.

Company response to consumer: Closed with explanation