vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Unexpectedly this evening me and my sisters account bot got limited, mine being permanent. I had acquired prepaid XXXX  from my work as incentives and used multiple of the cards on my account, during these transactions I was sending some of the money to my sister as shes a single mother and needed to fix her car. Her PayPal account did not have the established transactions required to cash out basically any money so she sent it back to me so we could get it figured out another way. Well both of our funds are being denied from us and it is all the money that either of us have and I am not understanding what rules were broken or what risks my account poses when I have been a customer for 2 years with no chargebacks and o have linked bank account with my information along with corresponding debit card. I am requesting a review be made at the highest possible level as I feel this is not right to hold my money for. If you want to close my account so be it but the funds should be made available immediately since I did not get any warning to plan for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have had it with Bank of America 's deceitful and unlawful activity. I have been dealing with their scamming for over 3 months now. They do nothing but scheme and lie more to cover up the original scheme and lie, in response to something. Bank of America is not receiving another penny from me. I'm done. I am not paying them more money to take a loss on fake credits and {$1100.00} in payments. And ruining my credit for 7 years, based off a lie a payment was missed. And if BofA is messing with my account # XXXX to respond to the complaint on XXXX, they are going to have a major issue. I shouldn't have to pay for an atty to deal with them, when CFPB has enough information already to know BofA can't turn a collectable debt into an uncollectable debt, just by lying so they can charge it off. If I have to get an atty myself, I will. I'm done Bank of America! Please CFPB, hold them accountable and force them to own up to what they did. This is being added because of XXXX 's response to the complaint on Bank of America. Bank of America had no right to give my account # XXXX information to XXXX to start with much less have XXXX give that information to someone else. Bank of America was very capable of providing that information, without XXXX requesting information on account # XXXX themselves. Why is a third party debt collector so interested in getting information on an account they don't own, Bank of America? BofA needs XXXX to respond about an account that isn't delinquent that had nothing to do with the actual complaint, why? How is it legal for BofA to just give anyone information about an account they have no reason to have information on? And the fact that XXXX filed a fake dispute on it, that I never did, because there is absolutely nothing to dispute. I am providing the actual dispute that is still sitting open. Along with proof XXXX has blocked me from accessing the statement, so I can not do the XXXX word statement I have a right to be able to do. Why is XXXX responding to a complaint on account # XXXX they do not have, instead of actually responding to the complaint on account # XXXX. XXXX is also 100 % aware that # XXXX is not the " second account '' I was referring to. This is being added before Bank of America comes up with more lies and fake documents.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting a complaint today to inform you that I have been a victim of identity theft. After researching how to remove the fraudulent items from my report, I found that I need to visit the Federal Trade Commission ( FTC ) at https : //www.ftc.gov to file a report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed in an identity theft report. Please find the attached documents to assist in the removing of the erroneous information currently on my report : XXXX XXXX XXXX {$260.00} Original Creditor 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 explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under XXXX5 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer 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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I had XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. XXXX. They cancelled all my cards. A lowered my scores. XXXX. Had. Almost XXXX. They only put what owed. Not my. High number on credit. Lowered my. Ratio. Becouse. I disputed airline ticket they didnt help with. I have XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX destroyed. My numbers. I have fair. Never missed. Payment. Ever. No negatives. Ever. 4 houses. Rhode Island. Maine. Concrete company. XXXX kids. XXXX. XXXX vehicles. I got this. Fair. People lose there houses. Cars get repo. They get better scores than me. I very disappointed. I hired lawyers. And. XXXX XXXX. XXXX Credit. Im upset. Alwsys pay bills on time hole life XXXX XXXX. They made XXXX out my credit. No negatives ever. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I had XXXX. XXXX unlimited. XXXX base. XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. XXXX. They cancelled all my cards. A lowered my scores. XXXX. Had. Almost XXXX. They only put what owed. Not my. High number on credit. Lowered my. Ratio. Becouse. I disputed airline ticket they didnt help with. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Bunch. But XXXX destroyed. My numbers. I have fair. Never missed. Payment. Ever. No negatives. Ever. 4 houses. Rhode Island. Maine. XXXX XXXX XXXX XXXX. XXXX. XXXX vehicles. I got this. Fair. People lose there houses. Cars get repo. They get better scores than me. I very disappointed. I hired lawyers. And. XXXX XXXX XXXXXXXX Credit. Im upset. Alwsys pay bills on time hole life XXXX XXXX. They made XXXX out my credit. No negatives ever. 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 2024-07-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc.
State: WA

Complaint narrative:
A few days ago on XX/XX/year> I received an email from a company called Wisely. The email had stated that a card ( a pay card ) has been sent to my home address and should arrive on XX/XX/XXXX, which was the date I had received the email. I have never ever heard of Wisely before and I didn't apply or enroll for a card with them or create an account with them given that I have never heard of them before. Today, on XX/XX/year> I received the card with all the papers on how to activate it. I tried calling their customer support number that was on their website as well as on the back of the card. When calling, I was answered by an automated message system where I was asked to put in the card number as well as some other information such as the last 4 digits of my social security number and the year I was born. After doing that, I was just prompted to activate the card which I don't want to do. I was never able to actually speak with a real person from their company or customer support. I am also the only person within my household to be sent this email or card. My main concern/ question is how & why I was sent this card from a company I have never heard of and never signed up/ enrolled in? And how they got my information to send it to me to begin with? I'm aware this company has my name, email, home address, city & zip code, although I don't know what other personal information of mine they may have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of the these payments. if unable to furnish such proof I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay all information need to report at the same time in all 3 major credit agencies and this account only shown report in 2 that is in inaccurate information and unfair. 
according to 15 U.S. code s 1681e all information need to be accuracy this account shown close, in one of the consumer report agency, and make as Open, in other two this is inaccurate information in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report as provided by the bureau. The account in question is with XXXX XXXX XXXX, account number XXXX. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), your bureau is required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports. 

Upon reviewing my credit report, I have identified numerous inaccuracies associated with the above-referenced account. These inaccuracies are significantly affecting my credit score and my ability to obtain credit. Specifically, the following errors have been noted : incorrect payment history, incorrect balance, incorrect account status, 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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer 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 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
i contacted the company in XX/XX/year> about downgrading the account to a lower annual fee. they refused to do so. I would like the card to be downgraded to the {$99.00} annual fee card. I am not able to afford the high annual fee right now. I have also asked for all authorized users to be removed via letter which has not been done.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer 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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE REMOVE ALL INACCURATE /INCOREECT ALL PERSONAL INFORMATION: 

NAMES: XXXX XXXX XXXX XXXX XXXX

ADDRESSSESXXXX 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  
ACCOUNTSXXXX XXXX XXXX XXXX XXXX (BALANCED UPDATED XXXX XXXX XXXX XXXX Repossession XXXX XXXX XXXX XXXX  OPEN XXXX XXXX XXXX (BALANCE UPDATED XXXX XXXX XXXX) 12 LATE PAYMENTS CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE UPDATED XXXX XXXX XXXX) Repossession AND XXXX  POTENTIALLY NEGATIVE MONTHXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original balance XXXX  Paid collection

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE REMOVE ALL INACCURATE /INCOREECT ALL PERSONAL INFORMATION: 

NAMES: XXXX XXXX XXXX XXXX XXXX

ADDRESSSES: 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

ACCOUNTS: OPEN XXXX XXXX XXXX (BALANCED UPDATED XXXX XXXX XXXX) XXXX Repossession XXXX XXXX XXXX XXXX  OPEN XXXX XXXX XXXX (BALANCE UPDATED XXXX XXXX XXXX) 12 LATE PAYMENTS CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BALANCE UPDATED XXXX XXXX XXXX Repossession AND XXXX  POTENTIALLY NEGATIVE MONTHS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original balance XXXX  Paid collection

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I had XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. XXXX. They cancelled all my cards. A lowered my scores. XXXX. Had. Almost XXXX. They only put what owed. Not my. High number on credit. Lowered my. Ratio. Becouse. I disputed airline ticket they didnt help with. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX destroyed. My numbers. I have fair. Never missed. Payment. Ever. No negatives. Ever. 4 houses. Rhode Island. Maine. Concrete company. XXXX kids. Land. 22 vehicles. I got this. Fair. People lose there houses. Cars get repo. They get better scores than me. I very disappointed. I hired lawyers. And. XXXX XXXX XXXXXXXX XXXX. Im upset. Alwsys pay bills on time hole life XXXX XXXX. They made XXXX out my credit. No negatives ever. 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 non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
o Whom It May Concern, I am writing to dispute the inaccurate reporting of my mortgage account on my credit report. The mortgage account in question has been paid in full and closed following the sale of my house, yet it is still being reported as open and late. 

The details of the mortgage account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The mortgage was fully paid off on XX/XX/year> and there were no late payments at the time of closing. However, my credit report inaccurately shows this account as open and late, which is incorrect and adversely affecting my credit score. 
I request that you immediately correct my credit report to reflect the accurate status of this account as closed and paid in full, with no late payments. This correction should be made pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611, which requires credit reporting agencies to ensure the accuracy of the information they report. 

Please confirm receipt of this letter and notify me once the correction has been made by providing an updated copy of my credit report. I expect this matter to be resolved within the 30-day period as mandated by the FCRA.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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