vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-05 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX was fined and sued by the Consumer Finance Protection Bureau for deceptive practices in XXXX XXXX. They ceased doing business in this manner as a lender in XXXX XXXX due to the lawsuit and fines. They now perpetrate doing business as something else. I complained about the things they were doing that I felt were illegal to the State of CA XXXX XXXX that over saw them. They failed to do anything and told me that they didn't deal with consumers, but would look into it. Well apparently they never did do anything. The Consumer Finance Protection Bureau had to do it! No one listened when I tried to bring the problems with this company up. Now I find out that the CFPB went after them for the same things I complained about, but was never notified by anyone that this took place. Where is the justice for consumers????? When I threatened to sue them, they told me they would turn my accounts over to an attorney and sue me! This company was a very corrupt, foul company and I'm glad they're no longer in business. I'm sure the credit bureaus knew about this but said nothing to debtors yet left the accounts present on our credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
This has been ongoing since XXXX of 2022. We filed one complaint, thought it was being fixed, only to find out LoanCare has been doing everything they said they wouldn't. It needs to be reopened. We have the letters to prove it. We are assuming this is all retaliation because we filed a complaint with you and asked for LoanCare to be investigated. There is no other reason for it. Now LoanCare has charged us another late fee, sent XXXX another payment without knowledge or permission when the letter we received from LoanCare said this would not happen again which has again wiped out our Escrow account again, has our account as delinquent, and has this so messed up it is beyond understanding. I guess it is time to go to the media and also get an attorney. 
XXXX shows our account is already paid in full. LoanCare does as well but refuses to acknowledge it. XXXX sent the payment back to LoanCare as it indicated on the refund payment to LoanCare it was supposed to go to our Escrow account. They are just issuing payments illegally out of our account. When we call, we can not get anyone to talk to us. When we email, it gets kicked back saying the email doesn't work or our information shows that it wasn't processed. None of their links or emails work. Again, we have never been late and all of these apologies from LoanCare are just to make the case look good for the VA and the CFB. Yet they are showing we have only made one payment all year which is not true. We have always paid early. We have our bank statements to prove it. LoanCare needs to be investigated for all these illegal practices.

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 2023-03-05 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
State: FL

Complaint narrative:
I received notification on XX/XX/XXXX that my account was not eligible for reactivation due to concerns about my activity. However, I believe that this decision was made unfairly and without proper consideration of the circumstances. 

I am writing to express my disappointment and frustration at the decision to permanently deactivate my Venmo account. Despite patiently waiting for several years, I have been unable to access my account due to concerns about my activity that I believe to be false. 

I have read and carefully followed all the terms of service and have never engaged in any activity that would jeopardize the safety or security of the Venmo community. Therefore, I believe that my account was deactivated unjustly, and I can prove that I never broke any terms of service. 

I have been a loyal and responsible Venmo user for many years, and I have never engaged in any activity that would jeopardize the safety or security of the Venmo community. I have always followed the terms of service and have never violated any rules or regulations. Therefore, I am deeply confused and concerned about the reasons behind my account deactivation. 

I respectfully request that you review my account again and provide me with a clear explanation of the concerns that led to my account being permanently deactivated. I also request that you reconsider your decision and reactivate my account, as I believe that this action was taken unjustly and without sufficient evidence. 

I most recently spoke with XXXX XXXX on XX/XX/XXXX, but unfortunately, she was unwilling to assist me with reopening my account. 

I am deeply disappointed with the lack of support and assistance I have received from Venmo 's customer service team. I have waited patiently for five years after being wrongfully terminated, and I believe that reopening my account is a reasonable request. 

As I mentioned in my previous complaint, I have been a responsible and loyal Venmo user for many years. I have never violated any terms of service or engaged in any activity that would jeopardize the safety of the Venmo community. Therefore, I believe that my account was deactivated unjustly and without proper consideration of the circumstances. 

I respectfully request that you review my account once again and reconsider your decision to permanently deactivate it. I am willing to provide any additional information or documentation that may be necessary to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX was fined and sued by the Consumer Finance Protection Bureau for deceptive practices in XXXX XXXX. They ceased doing business in this manner as a lender in XXXX XXXX due to the lawsuit and fines. They now perpetrate doing business as something else. I complained about the things they were doing that I felt were illegal to the State of CA XXXX XXXX that over saw them. They failed to do anything and told me that they didn't deal with consumers, but would look into it. Well apparently they never did do anything. The Consumer Finance Protection Bureau had to do it! No one listened when I tried to bring the problems with this company up. Now I find out that the CFPB went after them for the same things I complained about, but was never notified by anyone that this took place. Where is the justice for consumers????? When I threatened to sue them, they told me they would turn my accounts over to an attorney and sue me! This company was a very corrupt, foul company and I'm glad they're no longer in business. I'm sure the credit bureaus knew about this but said nothing to debtors yet left the accounts present on our credit reports!

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 2023-03-05 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: FL

Complaint narrative:
Experian dinged my Credit report for inquiries, there are four on my account and after the two years have lapsed, they are not removing them and placing the points back on my account tha they took from 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 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
I have a charge on my account that I have been disputing since XXXX on 2022 and the CC company has done nothing to rectify this issue. I have sent them all the information and still nothing. I have been waiting for a supervisor that they keep promising me they will call me and nobody ever does. This has affected my credit score and I have had to put my purchases on hold because of it. I have filed a complaint withing the company and still nothing. I have made numerous calls to this CC company trying to get this fixed and taken notes every time I speak with a rep. I really need to get this fraudulent charge fixed and removed from my account. The company even went as far as decreasing my limit when I made the complaint against them and then apologized a month later to reinstate it back to the original credit limit because they were wrong but they still have not fixed the original issue. 

This company has still not bothered to reach out to me to get this issue fixed. They have not requested anything and this is affecting my credit score. This has been on going since XX/XX/2022 when it first started. They responded before the 15 days claiming they are still in the process of working on it. I have already submitted all screenshots of how many times I have tried to get this resolved in that time frame. This should not be in process for nearly 7 months after I have already sent them all the info they needed. I will be now filing a complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: EQUIFAX, INC.
State: GU

Complaint narrative:
Following unknown hard inquiries found : Inquiry : XXXX Date of Inquiry : XXXX Inquiry XXXX XXXX Date of Inquiry :XX/XX/XXXXInquiry : XXXX Date of Inquiry :XX/XX/XXXXInquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry :XX/XX/XXXX Inquiry : XXXX  Date of Inquiry : XXXX Inquiry : XXXX Date of Inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I got an XXXX card with community capital bank. I spent about {$20.00} at XXXX that day and I paid off my balance I then got hit with a late payment that I had absolutely no idea about and three months later I have a rolling XXXX, XXXX late payment that takes my credit score for a XXXX to a XXXX. I I pay off the entire balance of {$170.00} of interest from a {$20.00} payment and send a goodwill letter to fix my credit and they deny it. Worst credit card company ever unethical and should be illegal to do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data branch 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 explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have purchased and moved into a condominium. I still get credit card promotional letters for previous occupants of the condo, addressed to them. One persistent one is Citi Bank, advertising their credit cards. 

I have called Citi Bank and asked them to take my address off their mailing list for this previous occupant. However, once transferred to the calling center that would remove addresses off the mailing list, they told me that I needed an account to go further. I don't have a Citi Bank account or credit card. 

I literally said " So I need to be a customer in order to ask you to remove my address from your mailing list for promotional letters? '' and they literally said " Yes ''. To me, this is ridiculous. 

I understand that I can follow the instructions here XXXX XXXX XXXX XXXXXXXX And call the OPT-OUT number and the XXXX. However, that will remove my name. How can I remove previous occupants from the mailing list for my current address? Shouldn't the company be able to do this for me even if I am not a customer?

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 2023-03-05 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act these convergent accountS have 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 an account without my written instructions. 

Accounts as follows 1XXXX XXXX XXXX XXXX Balance ofXXXX Open date XXXX XXXX XXXX XXXX - Balance of XXXX Open date open XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Balance of XXXX Open date XX/XX/XXXX 4. XXXX XXXX XXXX Balance of XXXX XXXX date XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance of XXXX Open date XX/XX/XXXX XXXXXXXX XXXX XXXX- balance of XXXX Open date XX/XX/XXXX 7. XXXX, XXXX. 
Balance of XXXX. 

Inquiries XXXX. XXXX XXXX XXXXXX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi my name is XXXX XXXX and I got a notification that my credit score went down because CAPITAL ONE BANK USA ON XX/XX/2023 checked my credit and I DID NOT APPLIED FOR ANY OF THEM CREDIT CARD AT ALL, I am seeking for some help to dispute this hard inquiry because it wasn't me, someone its trying to use my information instead, can you guys please help me with this? It shows on my credit report from XXXX and XXXX and I don't really use my credit that often. 

PLEASE I REALLY NEED TO REMOVED THIS HARD INQUIRY FROM MY CREDIT REPORT BECAUSE I NEED TO USE MY CREDIT VERY SOON AND I CAN NOT HAVE THIS HARD INQUIRY ON IT ESPECIALLY SINCE I DID NOT APPLIED FOR IT IT'S VERY FRUSTRATING THAT SOMEONE JUST WITH MY ADDRESS CAN APPLY FOR ME BECAUSE I AM SURE THAT WHOEVER APPLIED FOR ME DID NOT USE MY SSN BECAUSE I DONT SHARE MY INFORMATION WITH ANYONE PLEASE I REALLY NEED HELP. ALL THE BEST XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/2022 the credit bureas the account XXXX XXXX XXXX account # XXXX was properly investigated but is tht possible if the account 1.date opened 2.last reported date 3.date last active 4.comments from bureas TRANSUNION & XXXX ARE ALL INACCURATE.THIS IS GROUND FOR REMOVAL. 
THEY ALSO VIOLATED MY RIGHTS 15 SU.S.C. 1681 SECTION 604 A section. 2 : the law clearly states a consumer reporting agency cannt furnish a account without my written instructions. 
I have not given these agencies written permission to furnish these accounts on my credit report

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 2023-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As of XX/XX/2022 The Credit bureaus stated Account Name XXXX XXXX XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these agencirs written permission to furnish these accounts on my credit report as well

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 2023-03-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to follow up compliant on my previous complaint against Wells Fargo regarding the violation of my rights under the Fair Credit Reporting Act. In response to my initial complaint, Wells Fargo provided a response that did not adequately address my concerns, and their subsequent actions have continued to violate my rights as a consumer. 

As I previously stated, Wells Fargo has violated my rights under the Fair Credit Reporting Act. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Despite these clear violations, Wells Fargo has continued to report inaccurate and derogatory information on my credit report. In their response to my complaint, they confirmed that they are accurately reporting the account as " Closed ; {$0.00} Balance, '' with the last date of activity being the last payment of {$480.00} made on XX/XX/2019. However, they failed to address the fact that they are still violating my rights as a consumer. 

Furthermore, Wells Fargo 's response to my complaint was condescending and unprofessional. They stated that they are " unable to honor the request to delete or update the reporting to reflect a more favorable account history, '' which implies that I am requesting something unreasonable or unfounded. On top of this, they made derogatory updates to my account further damaging my credit. This tone is unacceptable and only adds insult to injury after further damaging my credit. 

I demand that Wells Fargo immediately remove any inaccurate or derogatory information about this account from my credit report. They must also provide a written explanation of how they plan to ensure that they comply with the Fair Credit Reporting Act in the future. 

Thank you for your attention to this matter.

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