vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wife and I have had deposit accounts, a mortgage, and credit cards with Bank of America for the XXXX years. I am extremely disappointed by the negative impact I am having on my credit. 

I paid off my XX/XX/XXXX balance of {$5600.00} however it appears I was charged interest in the amount of {$34.00}. The interest fee wasnt paid as I thought I had a {$0.00} balance on this account. Once I realized that the bank was reporting me past due for bank the fees I decided I no longer wished to have this account. When I paid the interest fee I asked for my account to be canceled as the agent told me she wouldnt remove the 30 day late off of my credit report. 

Then, in XX/XX/XXXX, I was charged an annual fee of {$75.00}. By the time I realized the bank error, the bank was reporting me 150 days past due and my credit score had dropped nearly XXXX points. In XX/XX/XXXX, the fees and interest were paid in error by my bookkeeper as it makes no sense for me to pay an annual fee for an account that was supposed to be closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16 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: DE

Complaint narrative:
The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. XXXX Accounts with XXXX XXXX bank were open jointly and fraudulent one in the amount of XXXX dollars and the other in the amount of XXXX dollars. I want these accounts deleted and removed.

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 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I got paid from someone for doing XXXX XXXX XXXX I deposit checks they let one clear the other XXXX the froze held for investigation no one ever called me and explained XXXX asked what happened nothing they just assumed I did this on purpose. My account went negative and I tried to keep the balance up while they were holding my deposits for investigation all the sudden I see a notification on Wells Fargo site state my accounts will be closed again they never even cared what happened I banked with them for 5 years. I had an awesome experience in XXXX XXXX but up in XXXX XXXX the experience has been awful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX decided she didn't like me. She would talk to me thru clenched teeth or avoid me all together

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 2023-01-16 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: EQUIFAX, INC.
State: NV

Complaint narrative:
The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. The account with XXXXXXXX XXXX XXXX XXXX XXXXs not mine and is fraud. I want this account deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Someone stole my identity and XXXX XXXX to open XXXX new credit cards issued by Comenity Captial on XX/XX/XXXX. I learned from the creditor that below purchases were made by the criminal at same day after new accounts are opened. 
XXXX. XXXX purchases {$680.00} and {$130.00} made by XXXX XXXX card at XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX. XXXX purchase {$610.00} made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX From XX/XX/XXXX to XX/XX/XXXX, I have called XXXX credit bureaus XXXX, XXXX, XXXX to dispute the new hard inquiry appeared on my credit report and requested for removal. I also requested the creditor to close new accounts and start fraud investigation immediately. I also submitted police report to protect myself from future crimes by using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: NY

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 A 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 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..

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 2023-01-16 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: Southwest Recovery Services, Inc.
State: NC

Complaint narrative:
I have filed multiple disputes over the last 2 years with XXXX and XXXX requesting verification and the removal of the Southwest Recovery Services. Credit Bureau disputed were filed XX/XX/XXXX and XXXX XXXX. They continue to send results back the account is verified even though I do not owe Southwest Recovery Services {$4200.00}. On XX/XX/XXXX I reached out directly to Southwest Recovery Services and requested debt validation and they too did not validate the account nor the accuracy of the reporting in their response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: AmerAssist A/R Solutions, Inc.
State: NC

Complaint narrative:
I have filed multiple disputes over the last 2 years with XXXX, XXXX and XXXX requesting verification and the removal of the AMERASSIST AR SOLUTION, XXXX XXXX, XXXX XXXX and XXXX XXXX accounts. I have asked for the proof and method of verification from each credit bureau and they have not provided anything. On XX/XX/2022 I sent a debt validation letter directly to AMERASSIST AR SOLUTION and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX Now and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX and they did not respond. 
In XXXX with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. These accounts are in violation of not reporting 100 % accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: NJ

Complaint narrative:
i have challenged the 100 % accurate reporting of this XXXX XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account and only XXXX has deleted the account... ..transunion and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX but if you look at the 2 year payment history they are reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the high credit amount reporting transunion is reporting {$1400.00} and XXXX  is reporting {$0.00} ... both cant be accurate and therefore they are violating my consumer rights

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 2023-01-16 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: GA

Complaint narrative:
Late payments are being reported on my consumer reports, although I was never late. According to the XXXX XXXX effective XXXX preventative measures were supposed to be taken to keep my credit scores from being ruined by preventing adverse information from being added to my consumer reports, and preventing credit score furnishers from creating and/or implementing new credit scoring models that would lower my existing consumer credit scores during the XXXX pandemic. This information has defamed my character, because it is derogatory and causing me mental anguish, sleepless nights, and preventing me from obtaining credit. please see attachments

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 2023-01-16 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: IL

Complaint narrative:
I have not opened any account with XXXX XXXX XXXX and there should not been any account for XXXX XXXX  opened on XXXX with a balance of XXXX. Please delete this from my credit report! This is identity theft XXXX XXXX  NEED TO BE PERMANETLY DELETED.

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 2023-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I contacted WF when the pandemic hit and was unable to make payment. At no time did they help and no one new how.

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 2023-01-16 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: NJ

Complaint narrative:
i have challenged the 100 % accurate reporting of this XXXX XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account and only XXXX has deleted the account... ..XXXX  and experian are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX but if you look at the 2 year payment history they are reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the high credit amount reporting XXXX  is reporting {$1400.00} and experian is reporting {$0.00} ... both cant be accurate and therefore they are violating my consumer rights

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 2023-01-16 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: NC

Complaint narrative:
I sent a letter out XX/XX/2022 to Equifax XXXX XXXX, however its been more than 60 days and the credit bureaus failed to send my investigation back after many attempts to correct there inaccurate date they have been reporting. this is not making sense. 

According to the law 15 U.S Code 1681i- Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer notifies the agency directly. they are in violation and haven't complied with the consumer laws that the government has put in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XX/XX/2023 Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX I, XXXX XXXX, am a consumer/Natural Person. Credit Collection Service, LLC, you are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC1692 ( a ) ( 6 ). It has come to my attention and understanding that Credit Collection Service , LLC has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to Title 15 USC 1692 ( c ) ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692 ( c ) ( c ) that you cease all further communication through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the consumer and natural person, via MAIL ONLY. Pursuant to Title 15 USC 1692 ( c ) ( c ) ( 2 ), I am involving specified remedy as the original creditor and demand the following : - XXXX out the balance - Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was XXXX out via mail. 
- Cease and desist reporting of the debt collection activity to all the consumer reporting agencies before and after this date of XX/XX/2023. 
- Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. 

By willfully violating the FDCPA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FDCPA 15 USC 1692k ( a ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best Regards, XXXX XXXX Regards, XXXX XXXX XXXX Natural Person

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello my name is XXXX XXXX, I am an XXXX XXXX XXXX. PayPal has held my funds illegally without me having done anything to the company. I just woke up and found the have locked my entire savings. I want my money released as I have Bills to pay. My PayPal email is registered as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
This is an old account that was settled in court for a total of XXXX. My payment was XXXX dollars a month and this law firm was from Florida. ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Florida XXXX. This law firm was taking my payments on an online portal. I could never get a statement balance after making payments. Payments started in XXXX of XXXX. I made my last payment through the portal in XX/XX/XXXX, but since that payment the portal has changed with no knowledge of how to make an direct payment. I had a Consent Judgment with this law frim signed and notarized for the agreed amount of XXXX settlement, yet this same Law firm in the state of Georgia are now filing an Affidavit of Default on Consent Judgment for an amount that's more than owed. The amount that was paid, was not deducted, but added to the balance, these actions are not right. I have proof of payments from my bank, but none from this firm. Something is not right. There is an attack on single family homes and workers who were essential worker throughout the pandemic We all are trying to recover financially.

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 2023-01-16 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: FL

Complaint narrative:
CFPB + Equifax, I have 4 unauthorized hard credit inquiries on my Equifax credit report - I called each of these 4 hard inquiries on XX/XX/2023 and XX/XX/2023, spoke with customer service representatives, and all are requesting the hard inquiries made into soft inquiries and/or removed altogether. 

Attached to this complaint are : - drivers license - social security card - address - my complaint letter *with documented proof* Equifax, you need to have these unauthorized hard credit inquiries made into soft inquires and/or removed from my credit report immediately as its damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XX/XX/2021, I registered for an event held by XXXX XXXX XXXX, paying via PayPal Credit, to take place in XXXX the same year. I contacted XXXX XXXX on XX/XX/2021 via formal email masking him aware I would not be attending the event. He ignored me on several occasions by not responding until he had his website page updated with No refunds. Even after I was told by the event Co-Hosts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX of XXXX XXXX  I would receive my {$400.00} refund. 
The dispute was originally placed on XX/XX/2021. The XXXX XXXX XXXX decided on my favor, then released the funds back to XXXXXXXX XXXX XXXXXXXX in XXXX. Im glad I screen captured the proof of the resolution centers judgement, because they have since removed the dispute and judgement from my dashboard. Ive disputed this issue with both companies, since 2021, with no resolution of receiving my valid refund for services not provided. 

Please assist 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 2023-01-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax XXXX XXXX Settlement In XXXX, a settlement over the breach which revealed the private information of XXXX XXXX Americans required the credit bureau to compensate each victim starting at {$120.00} and up to {$20000.00}, Equifax XXXX XXXX my personal information was impacted as a result my personal information was compromised and as a result I became a victim a identity theft. I am requesting full compensation and reimbursement for money and time I've spent trying recover from fraud and or identity theft because of the Equifax XXXX XXXX.

Company response to consumer: Closed with explanation