vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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: MI

Complaint narrative:
I lost my wallet and I am a victim of identity theft. I submitted a police report for fraud to the credit bureaus and no further action was 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 explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I found this statement XX/XX/2022 on my account wanted to see the details of transactions deposited withdraws XXXX... In more detail but chase won't do it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX keeps charging my checking account every month for services I can not receive because the company is closed. I call XXXX XXXX  and no one answers the phone. I have contacted capital one to stop the charges but capital one is still taking money out of my checking account {$35.00} evey month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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:
XXXX In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX account # XXXX, has violated my rights. 

XXXX XXXX account # XXXX, has violated my rights. 

XXXX account # XXXX, has violated my rights. 

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 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 2022-05-19 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:
XXXX In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXXXXXX XXXX  XXXX account # XXXX, has violated my rights. 

XXXX XXXX account # XXXX, has violated my rights. 

XXXX account # XXXX, has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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:
PayPal closed my account for no reason at all and will not help me getting it back and going. I assume it has to be a mistake or something. I have not been able to get help from them in months but I remembered I could file a report on here because they are not doing a great job helping me nor properly doing there job. I use PayPal quite frequently as well. My email which is linked to PayPal is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Vanz, LLC
State: PA

Complaint narrative:
I received a letter in the mail and I'm being sued but I never heard of this company or received any written notification. They are not on any of my credit reports. I'm being sued {$3700.00}. 

I need the following mailed to me : want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: CA

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX  because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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:
In accordance with the fair reporting act XXXX  account number XXXX has violated my rights 15 US C1681 section 602 states I have the right to privacy. 15 UC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 USC 1666B : A creditor may not treat a payment credit card account under an open and consumer credit plan as late for any purpose.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a problem with my XXXX XXXX credit card issued by Wells Fargo. It is being reported on my credit that I'm 30 days overdue and this was reported on XXXX XX/XX/2022 but 30 days overdue would have been XXXX XXXXXXXX on XXXX XX/XX/2022. I learned that my automatic payment didn't process due to an IT error which I promptly made the payment via Wells Fargo payment system. The following is the message I received upon making the payment : You recently submitted a payment The following payment will be effective as of XX/XX/2022 : To account Wells Fargo XXXX From account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Payment amount {$500.00} Additionally, the payment reported as delinquent on my credit report is {$500.00}, which wouldn't be the case if I '' m only XXXX past due. This is another red flag that something is wrong with Wells Fargo credit reporting schema and it should be investigated immediately. I've worked hard to maintain my credit and it appears that Wells Fargo has a motivation to make customer accounts delinquent and report false information.

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 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
In XXXX I applied for a modification with Mr. Cooper and instead my payments went higher. Instead of helping me they put me further in. During Covid I was hospitalized and out of work for over a year and on XXXX. I go so sick that I had to resign and applied for a forbearance for the 18 months. Ended in XXXX, XXXX. Without my request they went ahead and submitted another modification which was rejected. I then requested a deferred and I've been waiting only to be told that it has been rejected but never informed. This company continues to violates my rights and others based on all readying I've done. I need help. Thank you and god bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: CA

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

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 2022-05-19 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: CA

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX  because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

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 2022-05-19 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: AZ

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

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 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 explanation
Consumer complaint received 2022-05-19 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:
In accordance with the fair reporting act XXXX account number XXXX has violated my rights 15 US C1681 section 602 states I have the right to privacy. 15 UC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 USC 1666B : A creditor may not treat a payment credit card account under an open and consumer credit plan as late for any purpose.

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 2022-05-19 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:
In accordance with the fair reporting act XXXX account number XXXX has violated my rights 15 US C1681 section 602 states I have the right to privacy. 15 UC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 USC 1666B : A creditor may not treat a payment credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Phoenix Financial Services LLC
State: NC

Complaint narrative:
in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.15 usc 1681 section602 states I have the right to privacy.

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

15 Usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
In accordance with the Fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

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 2022-05-19 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
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 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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a problem with my XXXX XXXX credit card issued by XXXX XXXX. It is being reported on my credit that I'm 30 days overdue and this was reported on XXXX XX/XX/2022 but 30 days overdue would have been midnight XXXX on XXXX XX/XX/2022. I learned that my automatic payment didn't process due to an IT error which I promptly made the payment via XXXX XXXX payment system. The following is the message I received upon making the payment : You recently submitted a payment The following payment will be effective as of XX/XX/2022 : To account XXXX XXXX XXXX From account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Payment amount {$500.00} Additionally, the payment reported as delinquent on my credit report is {$500.00}, which wouldn't be the case if I '' m only 30-days past due. This is another red flag that something is wrong with XXXX XXXX credit reporting schema and it should be investigated immediately. I've worked hard to maintain my credit and it appears that XXXX XXXX has a motivation to make customer accounts delinquent and report false information.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a problem with my XXXX XXXX credit card issued by XXXX XXXX. It is being reported on my credit that I'm 30 days overdue and this was reported on XXXX XX/XX/2022 but 30 days overdue would have beeXXXX XXXX  XXXX on XXXX XX/XX/2022. I learned that my automatic payment didn't process due to an IT error which I promptly made the payment via XXXX XXXX payment system. The following is the message I received upon making the payment : You recently submitted a payment The following payment will be effective as of XX/XX/2022 : To account XXXX XXXX XXXX From account XXXX XXXX XXXX XXXX XXXXXXXX Payment amount {$500.00} Additionally, the payment reported as delinquent on my credit report is {$500.00}, which wouldn't be the case if I '' m only 30-days past due. This is another red flag that something is wrong with XXXX XXXX credit reporting schema and it should be investigated immediately. I've worked hard to maintain my credit and it appears that XXXX XXXX has a motivation to make customer accounts delinquent and report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a problem with my XXXX XXXX credit card issued by XXXX XXXX. It is being reported on my credit that I'm 30 days overdue and this was reported on XXXX XX/XX/2022 but 30 days overdue would have been XXXX XXXX  on XXXX XX/XX/2022. I learned that my automatic payment didn't process due to an IT error which I promptly made the payment via XXXX XXXX payment system. The following is the message I received upon making the payment : You recently submitted a payment The following payment will be effective as of XX/XX/2022 : To account XXXX XXXX XXXX From account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Payment amount {$500.00} Additionally, the payment reported as delinquent on my credit report is {$500.00}, which wouldn't be the case if I '' m only 30-days past due. This is another red flag that something is wrong with XXXX XXXX credit reporting schema and it should be investigated immediately. I've worked hard to maintain my credit and it appears that XXXX XXXX has a motivation to make customer accounts delinquent and report false information.

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 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I transferred XXXX $ from cash app to my debit card ending in XXXX at XXXX a.m. yesterday morning along with XXXX other transfers to the same debit card XXXX minute after the first was initiated the receiving Bank my debit card company XXXX stated the {$500.00} transaction was rejected cash app is telling me that it wasn't neither one of them will contact each other so my money just vanished and no one will take responsibility on where my money is and give me my money back so now I'm out {$500.00} neither company will help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a complaint on XX/XX/2022 to Equifax about a medical debt on my credit report that they are in violation of PA Statute Section 7311 Title 18 Unfair or deceptive collection methods. The debt collector is charging interest and fees on a medical debt and they can't do that. The original debt is for {$160.00} and it is now up to {$360.00}

Company response to consumer: Closed with explanation