vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 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: NC

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 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 non-monetary relief
Consumer complaint received 2023-05-22 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: CITIBANK, N.A.
State: WI

Complaint narrative:
Dear CFPB my grandson figured out my cell phone 's password and while playing video games proceeded to make XXXX charges with XXXX XXXX, and XXXX via XXXX in the amount of {$1800.00}. The charges were incurred from XX/XX/XXXX through XXXX/XXXX/XXXX. I did not authorize these charges and did not have knowledge that my credit card was being charged, until I received a statement from the credit card company on XX/XX/XXXX. I consider these charges as unauthorized, no different from fraud. When I received my statement, I contacted the credit card company and informed then of the unauthorized charges and asked to cancel the card. I also asked how this matter could be resolved and they told me to contact the vendor. I contacted XXXX, they asked me to file a complaint. After a few days, I was notified by XXXX stating that they would not credit or reverse the charges to contact my credit card company ( CitiBank ). While filing these complaints with XXXX and CitiBank ; XXXX notified us that an additional XXXX charges were made between XX/XX/XXXX through XX/XX/XXXX in the amount of {$2000.00}. I took the necessary steps to remove access to the device, but the damage was done. I was never notified that these charges were being accrued to my credit card. I have not paid these bills, and CitiBank has threatened me with credit reporting. I would like the CFPB participation in resolving this dispute if possible. I think that I should have been alerted of these charges the first day which they occurred and can not be responsible for unauthorized use of my credit credit card information. I can't possibly be the only consumer to have experienced this type of unauthorized charges. I look forward to your response. Regards, 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 explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Loan Modification paperwork did not include notice of a {$5900.00} down payment needed for the Loan Modification to be initiated. Because I didn't know about the {$5900.00} payment, I was unable to do what was necessary to facilitate the loan modification.

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 2023-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I bought a set of XXXX large appliance XXXX by the XXXX credit card. Products are not delivered and they can not refund money back to its credit card due to its credit card was not fount after been cancelled.

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 2023-05-22 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: MO

Complaint narrative:
Late payments on XXXX  accounts were previously disputed on XXXX accounts. XXXX accounts are still reporting late in my consumer 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 2023-05-22 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: NY

Complaint narrative:
I am a victim of identity theft I have no knowledge of a XXXX account that is being reported on my credit and I would like for it to be remove. I uploaded a copy of my identity theft 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 2023-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
On XX/XX/XXXX XXXX XXXX was hit by an XXXX insured driver. XXXX and XXXX XXXX owned the truck and was financed through Capital One Auto. 
XXXX took claim for the truck on XX/XX/XXXX. Capital One,  needed a POA to process the title for XXXX. Capital One, was mailed a number of these from XXXX and XXXX XXXX. 
XXXX was unable to pay for the truck because Cap 1 kept losing documents. XXXX has phone records of the number of times they called Cap 1. Cap 1 keep reporting nonpayment of the truck on XXXX XXXX 's credit report. Showing 120 days nonpaid when it no longer belongs to XXXX and XXXX XXXX. 
Capital one should be held liable for the fraud of submitting nonpayment, when XXXX and XXXX no longer owned or had possession of the vehicle. XXXX and XXXX have tried a number of times to dispute this on their credit report with prof with no luck. 
Capital One even mailed XXXX a check stating " overpayment '' because it was taking so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: GA

Complaint narrative:
Amount on paid has changed and amount total has changed and this was not a credit consumer transaction company has history of committing fraud amount has changed and i was never giving money In form of check, or cash In hand for vehicle, company claims they are in-house financing no credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I was contacted by somebody claiming to be from AFFIRM to collect a debt on a virtual card that I have already reported as fraud. AFFIRM is not acknowledging that this is fraud and I dont know if the debt collector is real or another scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco Popular de Puerto Rico ( XXXX XXXX ) Received a call from an unknown number ( XXXX ) stating that my bank account had been compromised. I waited for the automated message to finish and indicating the above situation. Then their customer service number started ringing. I waited to see if somebody picked up but i guess they heard me saying I was gon na play a joke on them, knowing it was a scam, the person hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
Received a bill for {$320.00} dollars and unsure why this was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I don't know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is aquatinted or who may have knowledge concerning any such items of information on a consumers credit record obtain directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. I'm requesting the removal of accounts and or monetary compensation due to violations of my rights. I'm currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore I'm requesting removal and this account violates my consumer rights in several ways. Please remove and provide some update within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I purchased My vehicle XX/XX/XXXX from US auto sales in XXXX, North Carolina. From the start, I noticed something was wrong after making my last {$500.00} dollar down payment from XX/XX/XXXX til XXXX XXXX XXXXXXXX when I purchased a car, the manager XXXX told me I only will be making three down payments of {$500.00} and then {$240.00} per month, thats included with the warranty that I purchased with the car. They have one price on the paper. After signing everything in XXXX. They switched up the paperwork and information on my account from {$8000.00} to {$25000.00} on this used XXXX XXXX XXXX with XXXX miles on it. They basically selling me a brand-new car. When I called and asked about it, they sent me new paperwork with the new information on it from that time to today. I have been disputing and complaining about the complaints with everybody that I cant answer they recently just XXXX all 39 car lots down. So as a customer we have a number or are we can do is make payments on these lemons but no one to speak to about our accounts thats suspicious. We should always be able to talk to somebody even the bank that our loan is through. So at some point the time they sit down and sold our accounts to this new place called XXXX XXXX XXXX XXXX. Again, I called them to make a payment. No one ever answered the phone, but its the XXXX  by your account. After putting in my account info I dont know be changed anything or white or if they even fit white were supposed to be getting fit before they shut the car dealership down and thats our car loans which were fraudulently written. Every time I called this new place they cant find my account so I can make my car payment so they have advice on my car where they turn it off until a payment is made. I have not been able to drive my car in three weeks because they cant find my account, they seem very suspicious as well if somebody needs to investigate because there is no reason customers cant reach a physical person over the phone to talk to us about our accounts or something. They actually are a debit collector, not even a bank so they hang up on us if they even answer the phone. In addition, none of my paperwork has an account number on it I just have a policy number. On top of all this, the warranty that I have on my car is not even valid with the original company For some reason but its not expired until XXXX. So why cant I use my warranty to get my car fixed this new place XXXX XXXX XXXX wont even pick up the phone for me to talk to them about that my engine is blown somehow, and they wont answer the phones for to give me the number to the new warranty place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct XXXX XXXX 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. 

Reported Bal : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds for removal they also violated my rights under 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 that are reporting inaccurate information : 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 2023-05-22 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX XXXX I paid off my mortgage with XXXX XXXX XXXX in the amount of {$67000.00} that has not shown up on any credit reports as an account or loan and I have now paid this mortgage in full. XXXX XXXX XXXX gave me an audit control number of XXXX to call all 3 credit bureau 's. All 3 credit bureu 's have no clue as to what I am talking about and still have not even shown I ever had the loan with XXXX XXXX XXXX. This loan has been paid on time in advance each and every month I had the loan with no late payments. I want all 3 credit bureaus to show the loan and that it was paid in full. I should get alot of good credit for this loan. If it was negative credit they would have no problem reporting it.

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 2023-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal. Someone sent me {$1100.00} USD on XX/XX/XXXX. PayPal had a problem with their system and it was converting some accounts to GBP. My account was affected and the money is still showing up as GBP. When it converts to USD, the amount is lower than what was sent and there are conversion fees. I live in the United States. The person transferring the money to me lives in the United States of America. 

Additionally, PayPal somehow changed my currency to GBP so I had to talk numerous hours on the phone with them trying to get them to change it back to USD. I have NEVER, EVER used anything except USD for my transactions, whether sending or receiving! 

I have spent countless hours on the phone with them, used the chat feature with them, and have several e-mail communications with them. It is now XX/XX/2023. This has been going on since XX/XX/XXXX when I tried to access my money. 

They need to change the transaction back to USD, which is what is was sent as, in the amount of {$1100.00}, with no fees charged. It is their mistake. I don't even know if they have their algorithm straightened out or not yet. 

I am attaching a document that reflects only part of my communications with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation