vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: TN

Complaint narrative:
I have sent multiple letter to Equifax requesting the information needed as to why they are allowing the creditor ( XXXX XXXX XXXX XXXX ) to furnish two late payments that I have shown proof that the creditor is doing unlawful acts. Its not lawful to post a late payment without providing proof that the creditor sent the consumer ( ME ) a periodic statement along with the disclosures from section 1637 ( b ) 21 days before payment due date.

I have attached a letter I have written out to express my frustrations using consumer law facts. My information and everything needed to pull up my credit report will be included in said letter.

You guys are violating my rights!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: NC

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

See the documents attached.

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 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The dates are through out the last ten years or so. It has been numerous occasions that Wells Fargo has charged me overdraft fees multiple times over in same day. There has been multiple events of the bank letting different transactions go through and put my account severely in the negative and continue to charge me overdraft fees for each event over and over.

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 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I wish to file a complaint against PayPal. Here are the details of my dispute with PayPal : 1. On XXXX XXXX I did a search on PayPal for XXXX XXXX, to whom I was to send payment for materials for my workshop. Only one XXXX XXXX came up, and there were no other details that could have helped ascertain that this was the correct XXXX XXXX. 
2. Unfortunately it was not, and I notified PayPal within 7 hours, while the transactions still pending, that I had sent the money to the wrong person. This is an option on PayPals dispute page. 
3. The following day I sent payment to the correct XXXX XXXX. And notified PayPal, requesting that they be aware of the fact that there are TWO XXXX XXXX and that their search engine only brought up one. I asked them to please return the payment, as it was still pending.

4. Yesterday I received a notice from PayPal that my case was being closed because XXXX XXXX ( the wrong one ) had received the payment. No mention was made of any investigation into the fact that the money was sent to the wrong person, and that I received no materials in return for the payment. PAYPAL DID NOT INVESTIGATE THE DISPUTE BASED ON THE REASON GIVEN THEM FOR THE DISPUTE. 

These are PayPals details for the dispute : Transaction Date : XX/XX/2023 Payment Amount : XXXX XXXX Recipient : XXXX Transaction ID : XXXX Case Number : XXXX Thank you, I am a XXXX XXXX XXXX XXXX XXXX, pipe organs, violins, and early pianos. I can not afford to lose {$400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 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: CA

Complaint narrative:
There are several inaccuracies on my credit report due to fraudulent activity. 
I've raised my concerns to all three credit bureaus and the companies as well. These reportings are hindering me from purchasing a home and obtain credit. I've recently refiled a fraud notice with all three credit bureaus. I will note each account and the information down below. 

XXXX XXXX XXXX XXXX XXXX ( partial acct : XXXX ) - balance reporting as {$770.00}, paid closed- written off. 
I have no knowledge of this account. I have no knowledge of this account and believe it to be a result of the fraud that was done on my name/accts. 

XXXX XXXX XXXX XXXX XXXX ( partial acct : XXXX ) - $ XXXX charged off I have no knowledge of this account and believe it to be a result of the fraud that was done on my name/accts. 
also reporting twice as charge off, which has dropped my XXXX XXXX significantly. 

XXXX XXXX XXXX XXXX XXXX  ( partial acct : XXXX ) written off {$430.00} I have no knowledge of this account, and believe it to be a result of the fraud that was done on my name/accts. 

XXXX XXXX XXXX ( partial acct : XXXX ) - balance {$550.00} This account was paid off- I noticed that for 3 years they have been reporting it as a charge off! Please assist with the removal of this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - closed paid this account belonged to my father who has since passed away in XX/XX/2023. I was a authorized user on his account as I handled his finances. Please assist with the removal of this account. 

XXXX ) XXXX XXXX XXXX ( XXXX, Transunion ) - charged off this account was paid- and should be removed from my credit report. It appears that it has been removed from XXXX correctly, yet XXXX and Transunion have not done so. 
please assist the removal of this account. 

I have submitted copies of police reports that I filed when my belongings were stolen. 
I had to get new checking accounts, and other accounts to prevent further fraud. I ask that this information be communicated to the three credit bureaus and the information be removed from my report ASAP.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are several inaccuracies on my credit report due to fraudulent activity. 
I've raised my concerns to all three credit bureaus and the companies as well. These reportings are hindering me from purchasing a home and obtain credit. I've recently refiled a fraud notice with all three credit bureaus. I will note each account and the information down below. 

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 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 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 - charged off this account was paid- and should be removed from my credit report. It appears that it has been removed from Experian correctly, yet XXXX and XXXX have not done so. 
please assist the removal of this account. 

I have submitted copies of police reports that I filed when my belongings were stolen. 
I had to get new checking accounts, and other accounts to prevent further fraud. I ask that this information be communicated to the three credit bureaus and the information be removed from my report ASAP.

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 2023-12-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
-I have a line of credit with Goldman Sachs Bank USA . 
-I initiated a draw but it was denied.

-It was rejected and I was told the reason is " Level of delinquency on accounts for one or more guarantors '' -I requested on where to get a credit report to show what is delinquent, as I have checked my credit and do not show any negative marks. 
-Goldman Sachs then said to reach out to XXXX XXXX XXXX 
-I requested the business credit report from XXXX XXXX XXXX However it was not sent and I was told " Currently a business credit report is sent only to companies whose files have been accessed by XXXX XXXX XXXX XXXX members. However, we are unable to determine that a report for the company noted in your request has recently been generated for review. '' -I was denied a draw on my line of credit but they have not provided me a specific reason ( s ) for denying your credit application.

-Goldman Sachs has not given me my credit score and the credit reporting agencies that provided the information.

-Goldman Sachs has not provided me free copy of your credit report from each of the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/ Venmo sent me an email stating that I may have violated their terms and they froze my account balance of {$4400.00}. I called them and wrote them emails. Finally, on XXXX XXXX  Venmo emailed me that my account was permanently deactivated because of a violation of their terms. I've had the account almost 2 years without any problems. Venmo did NOT state how I could withdraw my balance. I called and was told that I have to wait until the Account Specialist emails me their decision. That they would either allow me to transfer my balance to my bank account or they would hold my funds for 180 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Goodman Frost, PLLC
State: MI

Complaint narrative:
I was under a wage garnishment since XXXX XXXX XXXX and I stopped having my wages garnished in XXXX XXXX XXXX I believe. I have a document I retrieved from my employer 's website from the court saying on the bottom " FINAL STATEMENT ON GARNISHMENT OF PERIODIC PAYMENTS '' dated XXXX XXXX XXXX. I figured I was done until I received a letter from a different law firm than the one I started out under in XXXX. I wrote them back saying I believed I was done with this debt. This new law firm, in turn, sent me a document saying that the law firm handling this debt had transferred the case to them. However this document was not dated, it did not contain a signature by the District Judge, and it was not sent to either myself or my employer during the period of the garnishment. I also was told I owed {$98.00} in addition to what they were telling me I supposedly still owed on this debt.

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 2023-12-12 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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 2023-12-13 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: CA

Complaint narrative:
I recently found out that XXXX XXXX XXXX XXXX placed a charge off on my credit report in XXXX XXXX XXXX However, I have never opened an account with XXXX XXXX XXXX XXXX and have tried disputing this fraud account through the credit bureaus, all of which were denied saying that " The company that reported the information has certified that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have filed an identity theft report about this matter and am pursuing this to erase this account off my credit report that was never mine to begin with. I have tried contacting XXXX XXXX XXXX XXXX with no help. The customer service reps are unable to provide me with any information whatsoever about this account. This needs to be addressed and looked into to see who opened an account under my identity or if this was a mistake made by XXXX XXXX XXXX XXXX. Either way, this charge off needs to be erased off my credit report as the account was not mine and it is majorly hurting my FICO score as a result.

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 2023-12-13 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: CA

Complaint narrative:
I recently found out that XXXX XXXX XXXX XXXX placed a charge off on my credit report in XXXX XXXX XXXX. However, I have never opened an account with XXXX XXXX XXXX XXXX and have tried disputing this fraud account through the credit bureaus, all of which were denied saying that " The company that reported the information has certified that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have filed an identity theft report about this matter and am pursuing this to erase this account off my credit report that was never mine to begin with. I have tried contacting XXXX XXXX XXXX XXXX with no help. The customer service reps are unable to provide me with any information whatsoever about this account. This needs to be addressed and looked into to see who opened an account under my identity or if this was a mistake made by XXXX XXXX XXXX XXXX. Either way, this charge off needs to be erased off my credit report as the account was not mine and it is majorly hurting my FICO score as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Emergent Business Group, Inc.
State: VA

Complaint narrative:
A company would spoof phone numbers and call me at all times never leaving a message. I answered one call and they wanted me to verify who I was but I was not comfortable. They then informed it was a debt collector trying to collect a loan that I am not sure of. When I said I would need more info and will not pay. The agent got angry and said they will now destroy my credit and I can't keep putting this off and to be responsible for my debt and kept talking over me. I advised I would not be talked to that way and will not be paying at this time. She said they will " note '' my file as non responsive and increase collection action. I never received any written notice about this debt showing me my legal options or proof it's valid

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 2023-12-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
Three years ago, I leased an apartment in XXXX, which turned out to be in appalling condition, infested with rats, rendering it uninhabitable. Upon moving out, the apartment complex charged me {$800.00} for damages, falsely attributing the cost to new carpet and overall remodeling, even though no such improvements were made. This disputed amount is now with Genesis Collections Agency, causing harassment despite my efforts to communicate that I am not accountable for this debt. Furthermore, they are charging me interest on an unjustifiable amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/XXXX I received a deposit in the amount of XXXX from my state because they were doing rebates so this card was supposed to be closed as of last year do to fraudulent activity well I was not worried about this money getting deposit because I knew the account was closed and there so the money would be then sent in check well I never received my deposit and I put a complaint with XXXX letting them know what happened then received a response from comdata stating that they fixed the issue and they were working on it then received another message stating it had posted I then proceeded to check the card and nothing I'm so frustrated this might not seem like a lot but I have 3 children I need to provide for so please help 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 2023-12-12 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: DC

Complaint narrative:
I just received my new credit report for EXPERIAN and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me.

This is the list of them.

Experian fraudulent Soft Inquiries too be Deleted 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  EXPERIAN Address XXXX XXXX XXXX XXXXXXXX, TX XXXX Record details Inquired XXXX XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Record details Inquired XXXX XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX details Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX CA 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 EXPERIAN Address XXXX XXXX XXXX XXXXXXXX, TX XXXX Record details Inquired 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 2023-12-12 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
The account with Wells Fargo is not showing paid as agreed due to the agreement with the company after payment in full was made still reads wrote off. Now I want it 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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
Reference : XXXX XXXX, XXXX XXXX XXXX, XXXX, NH XXXX Wells Fargo Mortgage XXXX XXXX settlement. 
During the time frame of these discrepancies ( XXXX ) I was denied a mortgage modification which resulted in falling behind on payments. I was unfairly charged a monthly fee of around XXXX while I was behind to cover what they called " protecting their assets. '' When I questioned WFM, they said they did a " monthly curbside inspection '' to verify the property was inhabited. This act created a more stressful situation and an undue further financial burden on myself. The token amount of XXXX is not proper compensation for the amounts paid by myself and burdened my family at that time and I should be fairly compensated/refunded any and all fees paid. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, Nh XXXX Ph XXXX XXXXXXXX

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