vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Im the beginning of XXXX I have removed 3 accounts from my collections and disputed them through XXXX. I also updated information on the previous mentioned platform as well as XXXX. These accounts have not been removed and updated. Negatives are still showing on reports and not deleted as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells fargo continued to charge overdraft fees on returned items until i was negative constantly and could never get caught up causing payments to be late or to bounce again. Held paychecks for up to 14 days and again charge more fees. Closed account because i was constantly in the negative

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 2023-02-05 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX notification by email on XX/XX/XXXX, under my maiden name. I contacted XXXX and Wells Fargo and they cancelled the card. XXXX  XXXX XXXX XX/XX/XXXX requested from XXXX  XXXX XXXX they notified me and i cancelled the card. XXXX, XXXX XX/XX/XXXX called and cancelled the online order

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 2023-02-05 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: GA

Complaint narrative:
Continuation of XXXX. 
I wrote Equifax showing them their own website, XXXX, shows my XXXX Score XXXX score as XXXX, the same as XXXX and Bank XXXX XXXX, but they are still reporting my XXXX Score XXXX score to XXXX XXXX as only XXXX ( letter attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: SC

Complaint narrative:
I have a payment confirmation receipt from a debt collector, yet Experian Rent Bureau refuses to remove the paid balance from my Rent Bureau report. This is the case even though I successfully disputed and was able to remove the collection from my standard credit report. Because of this, I lost money on an apartment application, and had extreme difficulty securing housing for myself and my family. 

Also, the debt collector involved, XXXX XXXX, whom I am also filing a complaint against is not licensed to collect debt in New Jersey, the state where the debt originated. They are also not licensed in my state of employment, New York, nor are they licensed in South Carolina, my current state of residence. This is according to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I ordered something on XXXX that was XXXX and I cancelled the same day because I didnt want the item anymore so I called for my refund and they said te refund had already been sent to my account but it wasnt there. So I went to my bank Wells Fargo and they said there wasnt anything there that was. XXXX by when I ordered I checked my account online and it said purchase made and then it said refunded but my money didnt return and then there was another purchase on my account that said atm used when I havent used my card at all after XX/XX/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 explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've sent a letter to validate the account, and have not received any responses from the creditor. I have filed a report with the federal trade commission. XXXX and XXXX have removed and validated the accounts as not being mine. Transunion still showing as an open account with the same account number and a different amount owed. 

Florida Department of Revenue {$1300.00} {$330.00} {$3000.00} All have the same accounts number XXXX Accounts both have not been validated and are indicated as fraud, XXXX XXXX XXXX - Account number XXXX {$110.00} XXXX XXXX XXXX Account XXXX XXXX {$1200.00}

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 2023-02-05 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was in communication with Comenity Bank attorney XXXX XXXX and XXXX XXXX XXXX on XXXX XXXX XXXX in regards of an account ( XXXX ) that is still on my consumer profile. 

I reached out and explained that Comenity Bank is breaking the federal law ( FCRA ) and stated what laws were being broken on my consumer profile. We had a conversation regarding the account and ultimately XXXX the attorney came to a decision to settle for a payment of {$500.00}. 

I will attach the screen shots of the emails of the conversations. 

I stated that I would be willing to settle to if they would agree to remove the negative account that is violating my consumer rights. 

XXXX came back and stated that Comenity Bank is unwilling to delete/remove the account and then offered {$250.00} more ( {$750.00} ) to " resolve '' my concern. 

Comenity Bank has attorneys representing their company that are knowingly breaking the law. I would like for this to be on record that I attempted to resolve this with Comenity bank and attorneys. 

I have reported the issue I am having with Comenity Bank with my Attorney XXXX XXXX as well and I would like for this to be removed from my credit profile immediately as it is and has been severely and negatively effecting my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: HW Holding, Inc
State: SC

Complaint narrative:
I have a payment confirmation receipt from a debt collector, yet XXXX XXXX XXXX refuses to remove the paid balance from my XXXX XXXX report. This is the case even though I successfully disputed and was able to remove the collection from my standard credit report. Because of this, I lost money on an apartment application, and had extreme difficulty securing housing for myself and my family. 

Also, the debt collector involved, XXXX XXXX, whom I am also filing a complaint against is not licensed to collect debt in New Jersey, the state where the debt originated. They are also not licensed in my state of employment, New York, nor are they licensed in South Carolina, my current state of residence. This is according to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2023 I mailed Capital One Auto Finance a letter requesting for documentation. 

XX/XX/2023 I filed a complaint on Capital One Auto Finance with the consumer financial protection bureau requesting also for that documentation. 

XX/XX/2023 capital one auto finance responded through the consumer financial protection bureau portal and said they received my complaint or request and they also placed it in a cease-and-desist status on XX/XX/2023 but they failed to provide me with the documentations that I that I requested which is frustrating because they can see everything I asked for and they know they did not provide me what I asked for which is not hard. 

During the time that my account was supposed to be in a cease and desist status, they had reported to the ( CPA ) my account missed a payment which is a violation according to consumer laws and I am looking into some legal advice about that as well. 

It saddens me that this a professional corporation and yet they failed to provide me with the proper documentation which they have access to this is causing me to stress even my dmv paperwork was signed by someone else other than me. 


I also have a right to privacy I never was giving a notice from capital one auto finance to share my personal information with a third party no-affiliated which is the CPAs Consumer credit transaction by law shall be private, and I have the right to privacy as per 15 usc 1681 ( a ) ( 4 ) please have CPA remove immediately I never gave my consent and no one has sat down with me and explained to me clearly and conspicuously I had that options which is very misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently received a 1099C from XXXX XXXX The amount is incorrect on the credit report. The amount on the report is larger than what's on the 1099c, making me look as though I owe more. At this time, this is considered income because I have to pay taxes on the 1099c. I demand that the account be deleted because it is now income and not credit.

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 2023-02-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: DISCOVER BANK
State: OK

Complaint narrative:
My credit score went down over XXXX points in less than XXXX weeks because I closed my Discover Card. I think the people at Discover sent a negative report as a means of hurting my score. I had to close the account in order lower my debt on my XXXX XXXX and filed a complaint on Discover service team for harassing me to keep my account open with them. They take forever to contact on the phone. Ive spent years building my credit and spent thousands with my cards and do not deserve to be punished like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently received a XXXX from XXXX XXXX The amount is incorrect on the credit report. The amount on the report is larger than what's on the XXXX, making me look as though I owe more. At this time, this is considered income because I have to pay taxes on the XXXX. I demand that the account be deleted because it is now income and not credit.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently received a XXXX from XXXX XXXX. The amount is incorrect on the credit report. The amount on the report is larger than what's on the XXXX, making me look as though I owe more. At this time, this is considered income because I have to pay taxes on the XXXX. I demand that the account be deleted because it is now income and not credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
There is a need for a full accounting of this account because XX/XX/2022 a charge ( XXXX ) it was disputed I was allegedly refunded but now in the leger there is a - sign by it. 

IT LOOKS TO ME LIKE PAYPAL is refunding and then taking the money back from peoples accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened an account with citi bank on XX/XX/22 and transferred {$6000.00} into the account to open it, on XX/XX/22 the locked my account and said me transferring funds was fraudulent, even though they told me I had too to open the account. I called them on XX/XX/22, the same day, to try and unlock it and they said no they were closing the account and their was nothing I could do and they would mail a check in 60-90 days. I have tried to call at least 12 over the past year times and every time I get a transferred multiple times and told they can not help me I just have to wait, they wont even tell me if they mailed it or not.

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 2023-02-05 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Unauthorized credit inquiries being reported on my credit profile regardless of my confirmation that they were unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: DigniFi
State: TN

Complaint narrative:
After filing a separate complaint with CFPB ( reference ID : XXXX ), Dignifi apologized for the inconvenience and stated that they would be providing monetary compensation in the amount of {$0.00} which according to Dignifi was the remaining balance on my account with them.

This occurred after I had already paid the remainder of the debt in full. I do not understand nor did the company clarify how there could possibly be a balance of {$0.00} cents left on the account after I had paid the full balance of the debt but I didnt worry about it because DigniFi forgiving that balance amounted to the same thing. 

However, I have continued to receive harassing emails from Dignifi asking me to pay that remaining balance which is somehow now higher than {$0.00}. To the best of my knowledge DiginiFi has not completed any of the resolutions that they offered for my previous complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear Equifax, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate addresses : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate employers : XXXX XXXXXXXX By reporting these inaccuracies XXXX you are in violation of 15 USC 1681B ( A ) ( 2 ) XXXX for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Equifax has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: IN

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. 

XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX : XXXX, XXXX  XXXX : XXXX, XXXX : XXXX XXXX XXXX : XXXX TransUnion, XXXX XXXX and XXXX has failed to provide any proof of verification of disputed accounts.

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. States a consumer reporting agency can not furnish an 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, and other adverse items 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.

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