vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I bought furniture from XXXX XXXX XXXX XXXX, Alabama approximately XXXX months ago. The store offered 12 months interest free versus me paying the entire amount up front. I agreed. I started getting worried after 2 months that I has not received a bill and, in addition, my credit rating was dropping ( I have never had a credit issue previously and always paid my cc monthly bills in full ). My credit score had been around XXXX but now had dropped to XXXX or so. I was worried. I contacted XXXX and, despite me giving them my correct address, they used a previous address ( I have no idea why ) for billing. Beyond that, the individuals at Well Fargo Bank ( the lender ) had an address to which they sent the bill that I had not lived for more than 5+ years. How they ever got that outdated address is beyond my comprehension. The bill went to that address, to which no one lived, for 2 months. I called them and the credit bureaus, filed a complaint and supposedly, they stopped the notice of delayed payments. In addition, I paid the bill in full. Now my credit rating shows that the Well Fargo account has been paid in full, but the delinquent notice still is present with my notice of payment. I believe that this delinquent notice needs to be removed from my credit rating. I've talked to Wells Fargo for hours and nothing seems to happen, despite this issue being 100 % their fault.

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 2023-05-03 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt 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 2023-05-03 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
This problem is with Experian. For some reason the last update they have done on my information was on XX/XX/2021. This incorrect information is also being seen by my creditors when I try to obtain financing. I have contacted Experian many times over the past year to get this resolved. I have sent them information they requested every time I have called to verify identity, address, etc. Each time they tell me it is fixed and their website should reflect it within about 5 days. Nothing ever changes. When I call back they agree the problem has not been fixed and they ask me for more documentation. When I log into their website each month the information continues to show the information updated " as of XX/XX/2021 ''. I don't know how to fix this and would like help. This affects my credit access with creditors and I have tried so many times to work with Experian with no success. I have attached a screenshot of their website showing the " As of XX/XX/2021 '' date. Please call me at XXXX if you have any questions. By the way, I was told each time by Experian I would be sent a paper copy of my credit report and have never received 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 non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have never given permission to furnish the information to Portfolio Recovery Associate. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 
I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: Capio Partners, LLC
State: FL

Complaint narrative:
In XXXX 2023, Capio Partners added 2 collection accounts to my report for XXXX and XXXX. I disputed these as Ive never signed an agreement or entered into a contract with this company. I disputed this on the credit bureaus website and they came back and deleted the one for XXXX but said they couldnt verify this was incorrect for the XXXX but I submitted all info to them on both. I dont owe these balances and have repeatedly asked them to remove the final XXXX from the report then this morning on XXXX, they have added both of them back after they removed one and kept the other one with no regard for the fact that it was already removed once. This is a violation of FCRA because they havent provided the required contract I would have signed with them on these debts. Please have these removed from all my credit reports as I dont owe these nor have I ever signed an agreement with these people. Im willing to consult an attorney if needed but am hoping since the CFPB is for the people for proper treatment this will be resolved. My score had dropped XXXX points due to debt I dont owe. I havent made a late payment in over 12 years and this is ridiculous at this point. Please HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Complaint XXXX Has taken more than 60 days therefore accounts it must be deleted. 

accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # 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.

all wrong address must be 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 explanation
Consumer complaint received 2023-05-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-05-03 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
XXXX investigation has not resolved an issue where my Infiniti Financial Services account continues to show payments past due for XXXX and XX/XX/2023. Infiniti granted a 2 month extension to my loan and shows on the credit report that no payment was due for XXXX and XXXX, but the report continues to show a status of 30 days late for those months. I have sent in the document providing that those two months were waived, however no one has removed the late status in that payment history. All of the other history for those two months aare correct as it shows no payment due and also no payment made. It should be clear that it should not show payment late if no payment was due. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing this letter in response to claim number XXXX associated with credit card # XXXX. 

Upon receiving the decision letter on XXXX XXXX, XXXX, along with the information, the merchant provided claim # XXXX. I am providing you with some information to prove that the total amount of {$7200.00} is unauthorized and associated with identity theft. 

My wallet was stolen on XX/XX/XXXX. I first noticed it when I returned to work from lunch in XXXX XXXX and received text messages from BOA indicating two transactions from XXXX ( {$3600.00} each ). And I wanted to call BOA 's number on the back of the credit card, but I then found out my wallet had been stolen. Both unauthorized transactions were made at the same time. I called BOA immediately to report the loss. There is one drivers license, one BOA credit card, {$50.00} cash, and a couple of business cards in the wallet. 

I've opened the claim with BOA twice. The second claim, I even provide solid evidences to prove the information merchant provided is associate to the identity theft activity by the thief, including 1. IP address is not mind, 2. the email address is associated to old account that was expose to ID theft and already been discontinued. 3. I do not recognize the foreign language the merchant provided. 4. The merchant proclaimed that the transactions is for a XXXX game. I have never been to XXXX, and all XXXX games need to be downloaded when a user physically in XXXX. Therefore, it is impossible for me to make the transactions. 5. The thief signed a handwriting form with my driver 's license and credit card in a photo. It is easy to do so with anyone who stole my wallet. However, the signature and handwriting are not match myself. BOA should had my signature on file, but lack of the responsibility to verify it but asking my to be responsible to the transactions the thief made. 6. Not to mention the thief signed as XXXX, which I never used this name. 

I have provided all documents ( including ID theft report, police report, statements against the merchant 's evident in details with image attached ) and faxed them over to XXXX, but BOA seems never looking into what customers provided rather than urging themselves to get the money. This is the third time I attempted to make the complaint peacefully, and I would choose let my attorney speaks for me next time if BOA continues neglecting to verify the true information but being inclined to the merchants even the evidences from the customers are soiled.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, my PayPal account was Permanently limited from Paypal when I created it, just a few minutes of creation of the paypal business account I got an email and notfication from paypal, and they provided me the Reference ID : XXXX, i think the account was suspended on XXXX XX/XX/2023. 
then i tried to message them but they told they cant provide any service to me as my account has a limitation. 
So i decided to ask the support if they could resolve the issue because i didnt do anything which is against their guidelines i also told them that i have every billing or tracking number from eacher customer i had... but also then they didnt resolve the issue. 

I have opened PayPal account so i can make transactions because i am doing dropshipping business so I have provided the website so that they see i dont sell any products which are against the terms and conditions... I tried to open new accounts but they got banned instantly without even making sales... 
So thats the reason Im here to say you about my problem because i tried a lot of contact them but still they have no reasons and not removing the limitation from my paypal account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted Captial One Customer service today and they refused to credit my past due fee of {$25.00}. I also talked to a supervisor, XXXX, who refused to credit it back also. They said " the system wont allow me to ''. So I asked to get me to Executive Offices and someone that can reverse it and they refused. 

These exorbitant fees that you charge are ridiculous, especially on a secured card where some of the money is mine and not yours! Issues happen and will happen to your consumers. Helping them keep their money on their card without charging these fees should be a priority. You dont have to charge past due fees either - its a choice. Ive been on time except recently and would appreciate my money return to me and the {$25.00} credited

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: PNC Bank N.A.
State: FL

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. pnc bank XXXX XXXX infiniti fin svcs # XXXX U.S.C 1681 section 602 A. States I have the right to privacy.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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I made a mortgage payment to SLS Mortgage online. They bought my mortgage & I was due to make my first payment to them beginning in XXXX. I made a payment for {$2300.00} the amt for my XXXX payment. It cleared on XX/XX/XXXX. On XXXXXXXX XXXX XXXXXXXX I received an email from SLS stating that my payment was returned. So I called SLS & they were trying to tell me that yes it was returned & I can clearly see in my account that they received XXXX payment. SLS TELLER told me again it was returned so I called my bank on my other phone on speaker. The bank tells me that yes the payment cleared but SLS tried to take out another payment in XXXX. So basically they tried to take 2 payments in XXXX when I only was paying one.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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, 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 explanation