vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 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

Complaint narrative:
my account was created on paypal nearly XXXX years ago and has absolutely no problems and it has been fine all the time. Now that PayPal asked for a photo of my ID, I have already attached it. After that, my account was permanently restricted and I was told that I am a minor, and this is completely untrue. I am not a minor. I was born in XXXX. This is written in my passport, which I sent to the verification center, and my date of birth is also written in my PayPal account. When I created the account, I think that there was an internal error that occurred. I have been dealing with them for XXXX years with all honesty and with all seriousness. Please, return my account to its previous status. I want my account back because my work was stoped for this problem. I hope you look at this problem with kindness and mercy. Thank you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: SC

Complaint narrative:
So I notice on my credit report that Equifax is reporting a fake student loan company to my credit report, I tried call the company and I got a wrong number I looked up the address and that company does not exsist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
US Auto Sales sold my car debt to Westlake Portfolio and I found out about it on the news. The payment amount owed on my car is still the same as it was when I purchased it almost XXXX years ago. Also, my biweekly payment included gap insurance, warranties, and oil changes. Westlake will not honor my original contract. I was told they bought the debt and that's it. However, my payments are still the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I made several complaints and the company 's came back and affirmed them. And they are still on my credit report. I'm currently still homeless and unable to get a house. These were all fraud and I have a police report. And all they still refuse to remove these things off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I made several complaints and the company 's came back and affirmed them. And they are still on my credit report. I'm currently still homeless and unable to get a house. These were all fraud and I have a police report. And all they still refuse to remove these things off of 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 explanation
Consumer complaint received 2024-02-18 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: FL

Complaint narrative:
Recently I found some account and inquiries which I neverautorize. For sure all of them are froud and must be remove frommy credit report as soon as you can. Please investigate andremove these accounts from my credit report or I will have torefer the matter to my attorney and take immediate legal actionagainst you. The constant judgments awarded against youcertainly demonstrate that courts are will not tolerate yourbullying tactics.I have made a lawful request of you to verify areport about me in my credit files. CC : Federal TradeCommission, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOffice of the Attorney General, State of Florida XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Advocates for FairCredit Reporting Department of Banking and Finance

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 2024-02-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I found some account and inquiries which I neverautorize. For sure all of them are froud and must be remove frommy credit report as soon as you can. Please investigate andremove these accounts from my credit report or I will have torefer the matter to my attorney and take immediate legal actionagainst you. The constant judgments awarded against youcertainly demonstrate that courts are will not tolerate yourbullying tactics.I have made a lawful request of you to verify areport about me in my credit files. CC : Federal TradeCommission, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOffice of the Attorney General, State of Florida XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Advocates for FairCredit Reporting Department of Banking and Finance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: FL

Complaint narrative:
Recently I found some account and inquiries which I neverautorize. For sure all of them are froud and must be remove frommy credit report as soon as you can. Please investigate andremove these accounts from my credit report or I will have torefer the matter to my attorney and take immediate legal actionagainst you. The constant judgments awarded against youcertainly demonstrate that courts are will not tolerate yourbullying tactics.I have made a lawful request of you to verify areport about me in my credit files. CC : Federal TradeCommission, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOffice of the Attorney General, State of Florida XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Advocates for FairCredit Reporting Department of Banking and Finance

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 2024-02-18 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: NY

Complaint narrative:
XXXX, XXXX and experian are reporting different dates on the last payment made on the XXXX XXXX card of the closed accounts. 
XXXX shows the last transaction as of XXXX XXXX. 
XXXX states last payment was made on XX/XX/XXXX. 
XXXX reports a complete different date, experian reports last payment was made XXXX of XXXX. Please correct the inaccuracies or delete the account. 
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 2024-02-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This account was date opened is inaccurate.Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account :

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 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The debt was paid, I requested that the account be closed to avoid making extra fees. The customer service agent refused to close the account. The balance is incorrect. The creditor has not returned {$100.00} that was that were payments made from my available balance for monthly payments taken for late fees prior to requesting the account closed. The XXXX late payments charged on my account were incorrect, I made payments prior to the due date. I should not have been charged a late fee after closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc.
State: OH

Complaint narrative:
Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already recorded to " XXXX XXXX XXXX ''. I have enclosed a copy of my government ID, social security card and affidavit of identity for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: OH

Complaint narrative:
Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already recorded to " XXXX XXXX XXXX ''. I have enclosed a copy of my government ID, social security card and affidavit of identity for verification.

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 2024-02-18 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: IN

Complaint narrative:
XXXX XXXX XXXX Ive disputed this account twice. XXXX XXXX  as well for XXXX Also XXXX and associates XXXX different accounts XXXX for 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 2024-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account.

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 2024-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2024-02-18 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: GA

Complaint narrative:
I have disputed information and provided a police report because I am a victim of identity theft every 60 days for months over the past year and nothing has 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 explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
My husband XXXX XXXX and I, usted to have a join account in Wells Fargo. XXXX weekend, the balance showed we have around XXXX $ available for spending and considering we are the consumers and we rely on Wells Fargo calculations methods and balances we trusted their calculation and information and used that money in food bills, etc. 

To our surprise, the next week they surprised us with a XXXX something balance without better explanation and the transactions were not clear to understand where did we went and overspent XXXX XXXX 

We were plan on resolving this issue with the then, a month past os sit and XXXX day they just closed the account and start to send send bills to us, call every week days and call even on Sunday mornings. 

They did not take the time to clearly breakdown how did we ended XXXX XXXX 

My husband XXXX XXXX got a call from them saying the only way to solve this issue is going down to their offices and paying the balance. No willingness to talk and find a common ground or any other alternatives. 

Since then, the calls wont stopincluding weekends. Once they explain this charges in details and assuming they are correct which we are both sure, we would like to discuss a settlement option. If they are not correct, we want this persistent communication tactics to stop. 

I attached the only page I can found so far of the mail sent to us that does not describe into detail what do we owe and why. I will keep looking

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 2024-02-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 explanation
Consumer complaint received 2024-02-18 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: OH

Complaint narrative:
Experian is reporting XXXX different addresses on my credit report that doesn't belong to me XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX. XXXX, TX. XXXX are not my addresses

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I dont ask to VERIFY the following accounts. By LAW 15 USC 1681 EB you cant furnish inaccurate information on my consumer report. You need to provide PROVE OF THESE LATE PAYMENTS. I need disclosures and Experian must abide by the conditions and compliance of the law 15 USC 1666B : Time to make payments. 
COPY OF THE LAW : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Please provide a copy of the letter with tracking number sent by creditor with periodic statement including the information by section 1637B for each alleged late payment 21 days before payment due date. 
If you are unable to send me PROVE then delete these late payments IMMEDIATELY. 

PUBLIC RECORD BANKRUPTCY ACCOUNT XXXX You are committing FRAUD. 
The Report Letter # XXXX for XXXX XXXX you stated AGAIN that you verify this account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX DELETED THIS ACCOUNT XXXX ON XX/XX/2023 because information was inaccurate and unverifiable. See attached letter from 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 2024-02-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB, I am writing in reference to Experian. Experian is in violation of 15 USC 1681i ( 2 ) ( A ). I have sent in documents and in return Experian told me that I am a credit person. I AM NOT A CREDIT REPAIR PERSON. I am a person that has done a lot of research on line. that's all.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX Dear sir, Regarding the review toward the reports submitted to CFPB on XX/XX/year> and XX/XX/year>, I would like to submit the same documents which I sent to your office ; the copies of drivers license and identity theft report submitted to the Federal Trade Commission XXXX As I did same thing in the previous letters, I would like you to make sure that your company had added the extended fraud alert. And, as you stated in the review, I would like you to add security freeze to make certain my identity will not be stolen again in the United States and beyond, as a person who has the credit card account and bank account outside of the United States. 

Sincerely,

Company response to consumer: Closed with explanation