vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Over a year ago I bought a vocal booth from a company in Nevada called " XXXX XXXX XXXX ''. They had a " special '' deal going on and I was looking to get one for when I move out into an apartment that can withstand the weight since they are over 1,000 lbs. I asked if they could hold onto it until I move in and they said yes. They said I can make two payments for the booth with my debit card. One payment of {$3000.00} was paid on XX/XX/XXXX. The second payment for {$3000.00} was paid on XX/XX/XXXX. 

I moved into my new place around 4 months ago and asked them to ship it. After 2 months of them saying they can't ship it due to " weather '' they finally said that they could ship it. I paid the " shipping '' and they " sent '' the booth. Nothing has been received. When I would ask for a tracking number, they would just say " it's on the way! '' The shipping was {$1300.00} and was paid with XXXX. I asked for a refund since nothing was received and they said " we do not offer refunds after 30 days. '' When I bought the booth the company had many good reviews and their website/social media seemed legit. Unfortunately, all of the good reviews are gone and now all XXXX reviews say that this company is a scam. I talked to someone who got scammed on XXXX and he managed to get his money back by setting up a fraud case with his bank. 

I contacted my bank ( 5/3 bank ) for a fraud case. The two payments made on the booth could not be investigated because 5/3 said it was out of their timeframe. The shipping payment is still being investigated by them. I am wondering if you can help me get my money back. I can provide all proof about this because all communication with this company was through email. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} XXXX : XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} TRANSUNION : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} EQUIFAX : XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} XXXX : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
2018. I was a co signer on the car.i did not know this would come back on me.i called after he left my home with the car I called credit acceptance to explain but they had attitude. I asked to locate the and bring it to me I'll will pay XXXX a month.they said no I need to start paying now.this is not my fault seems he is putting this on me.i have been paying on my credit trying to fix it.i never had the car nor drove it.please help me remove.i am now trying to get a car but I can't because of this is hurting my score this is an ex I learned my lesson but he can't do this.i can't work intile I get a car.im a single mother and I'm starting to believe he never cared what damage this has done.please I'm doing everything I can but that alot.i have been trying to fight this on my own I know longer can I need help again this is not my fault I can not believe this is on me and not him.please please no I will not give up cause if u look I'm determined to get a car so I can work I have kids and we don't do anything because of this.please I don't deserve this at all that's alot of money..never will I do it again nor have a co signer for my self ever.ill take my chances on my credit. Thank you

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} TRANSUNION : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} EQUIFAX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is this possible if the payment history is inaccurate, last activity is inaccurate on accountXXXX  : XXXX XXXX. Also on account XXXX : XXXX XXXX the last activity is inaccurate and remarks is inaccurate and months reviewed is inaccurate and payment history is inaccurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681e - Compliance procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

That stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not still reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 
Account Number XXXX XXXX XXXX XXXX and Account Number 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 2022-05-16 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is this possible if the payment history is inaccurate, last activity is inaccurate on accountXXXX : XXXX XXXX. Also on account XXXX : XXXX XXXX the last activity is inaccurate and remarks is inaccurate and months reviewed is inaccurate and payment history is inaccurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681e - Compliance procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

That stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not still reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 
Account Number XXXX  : XXXX XXXX and Account Number XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : EXPERIAN : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX : XXXX XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$78.00} XXXX XXXXXXXX Balance : {$51.00} XXXX XXXXXXXX Balance : {$78.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$35.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$88.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LEXISNEXIS
State: GA

Complaint narrative:
Reporting information that is incorrect No knowledge of accounts Credit stolen and used during breach with XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX : XXXX XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$51.00} XXXX  XXXX Balance : {$78.00} XXXX XXXX Balance : {$78.00} XXXX  XXXX Balance : {$35.00} TRANSUNION : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$88.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} EQUIFAX : XXXX XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$51.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$35.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$88.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business Buy and Sell item since XX/XX/2022. My PayPall account : XXXX has stocked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Did not authorize company to have my information Account not mine

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Lowe 's 15 U.S. Code 1666d - Treatment of credit balances As a federally protected consumer, Lowe 's is in violation of my rights. My current balance is over {$1.00}, and I demand the amount be refund any part of the amount of the remaining credit balance, upon request of the consumer ( XXXX XXXX ) ; and make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months. Federal laws applies to Lowe 's, no creditor is not an exception to the laws. 

My identifying documents are attached. This proof will be used for any and all correspondences.

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