vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-02 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with transunion. this info has been hindering my file. please review an remove the data listed to clear my file. none of the information listed is 100 % accurate on all 3 credit file. please delete an remove asap.

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 2023-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK

Complaint narrative:
Discover has been denying my payments due to an error on their end. 
My payments have been rejected by Discover since XX/XX/2023. I became aware of this issue in XX/XX/2023. Tried to fix by sending another check that was rejected once again by Discover in XX/XX/2023. 

Because Discover is rejecting my payments, they have put my account in delinquency, charged me with late fees, and lowered my credit score. 

I've had a similar issue with Discover a couple years ago, I did not receive any response until filing a complaint through CFPB. 



XX/XX/2023. I tried to find a resolution multiple times before submitting this complaint. Discover still claims to be unable to assist and has offered no resolutions. 
XXXX - Called discover, Agent could not help. Agent forwarded me to another department ( which was closed ) XXXX - Called back trying to resolve, agent forwarded me to supervisor XXXX - supervisor says to call the other bank ( XXXX  ). I ask her to hold as I call my other bank. Discover agent disconnects the call. 
XXXX - I confirmed with XXXX. No charges from Discover were attempted or made. recorded the conversation ( recorded ) XXXX - called back Discover. XXXX located in Delaware XXXX EST was unable to help. Said to call back tuesday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 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: TX

Complaint narrative:
I got my identity stolen in XXXX but was not made aware until XXXX of XXXX, and til this day its been an ongoing problem, Ive gotten bank accounts compromised, cars gotten in my name, phones, accounts opened without my knowledge etc. I was able to get some of the damage from the fraud taken care of however despite the evidence and the police reports Experian refuses to take off a couple accounts that they know arent mine. XXXX and XXXX finally complied and took off said accounts so I can have the correct and fair score but Experian refuses to. I even tried to get the address removed that they were doing fraud with and they said no because it was reported to them by several accounts. Those several accounts werent even mine. If my identity wasnt stolen how did a XXXX XXXX card get opened in XXXX of XXXX. I was XXXX! I didnt even have a bank account yet. I just want my situation to be resolved, this has literally caused blood, sweat and tears for 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 2023-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX XXXX XXXX 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit crd account under an 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 2023-07-02 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:
I have several accounts on my credit report and do not have contracts with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I contacted the customer service department to request a reversal of the {$10.00} interest fee that was charged to my account. According to my understanding, I should not have been billed any interest fees since I paid off the balance and consistently paid the statement balance each month. Unfortunately, my request was declined. 

Here are the details of my account activity : In XX/XX/2023, my statement balance was {$1100.00}, and the due date was XX/XX/2023. On XX/XX/2023, I made a payment of {$650.00}, which covered the required minimum payment of {$25.00}. Additionally, on XX/XX/2023, I made an additional payment of {$810.00}, totaling {$1400.00}. This payment exceeded the statement balance for XX/XX/2023, and I made it before the cycle ended on XX/XX/2023. 

When the XXXX cycle ended, my statement balance was {$530.00}, due by XX/XX/2023. Since my account is set up for auto payment of the statement balance, I expected not to be charged any interest fees. However, I discovered that Capital One billed me {$10.00} in interest. 

During my conversation with the representative, I was informed that because the full balance of {$1100.00} was not paid by the XX/XX/2023 due date, it broke the grace period, resulting in the interest fee. However, I explained to the agent that I paid off the entire balance before the cycle ended and that the transactions made during that cycle should not have accrued interest since they were part of the current cycle and did not exceed the 25-day grace period. 

I urge you to thoroughly investigate this matter as I strongly believe it to be a systemic issue. It is possible that other consumers are also being billed interest fees when they should not be, particularly after paying off their balances before a cycle ends. This practice appears to violate Regulation Z, as it involves overbilling consumers with unjustified interest fees. 

I kindly request a comprehensive investigation into this matter and a resolution that ensures the accurate and fair billing of interest fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account NAME/ Account # XXXX XXXX XXXX XXXX XXXX  US DEPT EDXXXX XXXX XXXX XXXX US DEPT EDXXXX US DEPT EDXXXX However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX 2018 to now. I was in XXXX XXXX for military XXXX and they are trying to make me pay for a debt that was sold to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with experian. this has been an on going issue that needs to be resolved. checking the information listed its not 100 % accurate on all credit reports an that's causing alot of denials please delete an remove asap.

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 2023-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
I have/Had no knowledge of this account/Loan for {$4200.00} XXXX periodically check my credit and this how I found that this was on my credit went to collection at Vance & Huffman before my past credit history of loans and credit cards I have paid and/or paid off I had a excellent payment history I have even obtained a loan from XXXX XXXX XXXX and with in 3 months XXXX had XXXX account paid in full and XXXX also found that XXXX I have account with was breached and I received a Letter from XXXX XXXX and they had a data breach and then in a month of XXXX  breach in XXXX this year and XXXX this someone my Identity and this collection appeared on my credit history and I am so frustrated upset that something like this could ever happen when you put your trust in Credit company as XXXX and others and feel this thief of my identity violation of one self and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name/ Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I fell victim of fraud my XXXXXXXX XXXX  accounts was comprimised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Cares Act creditors/credit bureaus are not allowed to put late payment info during times of covid XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had unauthized money transfers through my PayPal account linked to my credit card. PayPal refused to reverse them. I was able to solve the issue with my credit card company. Now I am trying to close my Pay Pal account. Pay Pal is refusing to close my account. I have called twice and follwed the timeline instructions provided by Pay Pal. They refused to close my Pay Pal account. I need to close my Pay Pal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: WA

Complaint narrative:
No changes on my credit report and Bad Score, still getting hurt with negative and collections accounts on my 3 credit bureau and XXXX on denial credit base on my credit history that in the pass 11 years I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from report. 

I got identity theft in XXXX have filled a police report, FTC, FBI & IRS. 
And again identity theft in XXXX Data Breach From the WA Department Of driver license and Motor Vehicle.

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 2023-07-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name/ Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I fell victim of fraud my XXXXXXXX XXXX accounts was comprimised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Cares Act creditors/credit bureaus are not allowed to put late payment info during times of covid XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
XXXX XXXX deposits transfers wells fargo deposits and refunds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX deposits and refunds XXXX money loans international deposits and withdrawals my ID was stolen XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tranfers and deposits emails XXXX car loanr house mortgae loans hotels XXXX XXXX  my name is XXXX XXXX lm wanting you to stop whoever is using everything social birthday all emails on all different sites apps apps XXXXXXXX XXXX XXXX  etc...

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 2023-07-02 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: WA

Complaint narrative:
No changes on my credit report and Bad Score, still getting hurt with negative and collections accounts on my 3 credit bureau and XXXX on denial credit base on my credit history that in the pass 11 years I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from report. 

I got identity theft in XXXX have filled a police report, FTC, FBI XXXX IRS. 
And again identity theft in XXXX Data Breach From the WA Department Of driver license and Motor Vehicle.

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 2023-07-02 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:
On XX/XX/2023 I send a dispute letters to Experian and XXXX about an account named XXXX XXXX XXXX # XXXX asking to provide a contract with my signature on it that proves that Im doing business with them and they have failed to provide any documents. This two credit bureaus are violating my rights and laws as a consumer and they need to be hold accountable to the extent of the laws. Picture proof of the letters, affidavit of identity and proof of the letters been certified are going to be provided as an attachment. 

According to 15 USC 1681 Section 602 A States I have the right to privacy According to 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions According to 15 USC 1681b ( 1 ) The credit bureaus do NOT have no written permission According to 15 USC 1681s-2 A person shall NOT furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
this company continue to harass me keep sending the same bill with different account number and change the amount to make it look different but the account number will have some numbers that are the same as the other bill. And change the date on it. Amount now XXXX company XXXX XXXX And wrong name spell wrong.

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 2023-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: MN

Complaint narrative:
My purse was stolen on XX/XX/2023 from a locked car that was left for XXXX minutes with the purse hidden. The US Bank fraud department was notified immediately on XX/XX/XXXX and was instructed to close my checking account and told that my driver 's license was stolen also. On XX/XX/XXXX US Bank opened a new checking account but did not properly close the old one or put proper alerts on it for the ID theft. On XX/XX/XXXX XXXX fraudulent checks for {$3200.00} each were cashed at a US Bank with the cash taken. On XX/XX/XXXX the new account was debited for the fraudulent checks. On XX/XX/XXXX I discovered this and reported it to the US Bank XXXX department. I have yet to receive compensation from US Bank for the {$6500.00} in fraudulent checks that were covered by my new account.

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