vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has created a unauthorized account using my information and admitted to doing so but wont come up with a remedy for their deceptive and fraudulent practice. They claim they would send me to mediation but never got back to me. Also they know I have only 2 years left before the statue of limitations comes into effect for this problem. Ive reached out 3 different ways and have it all documented and receipts. An I also have proof for what they have 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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 consistently made timely payments without any instances of being late.

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 2023-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-09 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: MD

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I've been using PayPal for some time. And I'm a XXXX with. paypal. And then I suddenly I'm running into problems. I verify my identity on numerous occasions and the transactions. But today, for some strange reason, they shut down my account and won't give me a reason why. And the only assumption I can assume is that when I transferred {$1000.00} out of my PayPal account. to two friends that live close to a bank to go deposit my money into my passbook account savings account. PayPal gives me a stupid notification saying that after review or limiting your account and you can no longer use paypal. So I call customer service. The gentleman is telling me. all the things that I know about but they're not telling me the reason why he's telling me. Oh, you don't know the law when I do know the law because I used to practice the law. And I'm telling them to pass me to somebody higher up than him. And he's refusing to do it. And I explained to him that as a XXXX, I'm into the business of making money, not losing money. And numerous people complain about PayPal And then I'm finding out a lot of other things about PayPal being hacked. Well, the people that sit above us, the Board of Directors, are spending the money. On their personal gain. And there's no way of getting all their corporate office. So I emailed the investment relations department. PayPal should be mindful that every department in that PayPal should be reachable by telephone, including someone that sits in the corporate office. Not just the customer service telephone number you call and so on and so on. But they closed my account for reason. They won't give me. But like I said, I can only assume it's because of the two transactions I did. Then I did a wire transfer to my bank on XX/XX/XXXX. Go ahead and behold that, they stopped that transfer. And they won't tell me why. Paypal remind should be dealt with in the Court of law, which they've been to court numerous times in the XXXX XXXX. Should take a look into them too. But I'm getting ready to file out a complaint with the Consumer Financial Protection Bureau. And my attorney general 's office. And whoever, what we need to do. Is come together and file a big, major lawsuit against them because their security system XXXX. Their security system kicks in when it shouldn't kick in. That's our money. If we want to transfer to XXXX and not to a XXXX organization, then we should be allowed to transfer our money to whoever. Because two of my banks. Wait, let me correct that. Three of my banks refused to let me use my PayPal card with them. Basically, PayPal is a scamming company money transfer company. And they should be out of business completely. And the CEO should start taking serious to these complaints that people filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: VA

Complaint narrative:
I have filed a complaint about this before per my attached documentation I am a us citizen with a ssn and have recently viewed and used credit. the company 's response to incorrect information was I am not a us citizen with a ssn. I have items on my credit report that are fraud and they will not remove the item even with the court order attached. 

XXXX XXXX XXXX is the account i need removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a personal loan with the company XXXX XXXX  which is current and have no late payments history, but Experian is reporting inaccurately delinquency on this account late payments which is incorrect as evidenced in the payment history statement of the lender and is still reporting incorrectly and inaccurately after I sent them a request to correct this information. This error in the reporting is extremely hurting my credit and causing me severe stress and anxiety because of this. I demand that Experian immediately fix the reporting on this 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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a payment of {$6800.00} on XX/XX/2023 to my Citi card, with the intent of the payment going to a balance transfer with stated promotional rate ( .99 % ) expired on XX/XX/2023 then reverting to the standard rate of 26.99 %. The payment was applied to balances with a promotional rate with no expiration of 0-5.99 %, instead of the balance where the promotional rate expired on XX/XX/2023. I contacted the Citi and they stated that the statement has not processed and the payment would have been applied to the higher rate after the statement period end even though the statement states the promotional rate had expired on XX/XX/2023 and there was no way to apply the payment to the higher interest rate balance.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-09 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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
We have sent XXXX letters asking for verification of debt with Choice Recovery. They have failed to verify the debt, leaving the debts on XXXX of the credit bureaus, XXXX and XXXX XXXX. This debt was appropriately removed from XXXX. We are trying to get approved for a mortgage and this non-verifiable debt is hindering the process. We do not owe the debt reported, and would like to have this removed. 

Choice Recovery, Account number XXXX, XXXX {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX and attorneys are prohibited from deceiving or misleading XXXX while trying to collect a debt. The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXX. XXXX XXXX XXXX XXXX and attorneys are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt. The federal law that prohibits this is called the Fair Debt Collection Practices Act ( FDCPA ). False Statements. XXXX XXXX XXXX XXXX and attorneys may not falsely claim or imply that : Consumer have committed a crime by not paying a debt. Consumer was contacted by XXXX XXXX Judicial Services, XXXX Michigan and was informed that Consumer was being criminally charged ( Case # : XXXX ) for Breach of Contract and Defrauding a Bank for a XXXX XXXX  XXXX, not only is this not the vehicle in question but the date and amount is also incorrect and CFRP states that if there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ) for a few reasons. Not only has the re-aging allowed a collection to remain on my credit reports in-perpetuity, but has seriously destroy my credit. Consumer was then informed that she will be arrested or imprisoned if not paid by XXXX XXXX from XXXX XXXX. Consumer also received a phone call from my bank XXXX XXXX stating XXXX XXXX XXXX XXXX and Attorneys have attempted to seize bank account but was denied. XXXX XXXX XXXX XXXX and Attorneys are also prohibited from : Misrepresenting the amount Consumer owe or the status of the debt, Threatening to take action that can not be legally taken or that is not intended to be taken, Using or sending a written communication that looks like or is falsely represented to be an official document from a court or government agency. Consumer has sent XXXX XXXX XXXX XXXX and Attorneys several cease and desist letters which they have not honored regarding this civil matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I HAD BEEN APPROVED FOR THE XXXX XXXXXXXX PROGRAM TWICE. NOW BUT YET TO GET ANY ASSISTANCE, I HAD BEEN IN TALKS WITH XXXX XXXX. WHO I CONTACTED LOSS MITIGATION AT TRUIST TO LEAVE .XXXX XXXXXXXX A MESSAGE TO CALL ME BACK AND SHE DID IF NOT THE SAME DAY BUT SURELY THE NEXT. SHE INFORMED ME THAT SHE HAD SPOKEN TO THE OTHER MANAGER AND THEY AGREED TO ACCEPT ,48 MONTHS OF PAYMENTS AND THE REMAINDER WOULD GO ONTO ANOTHER MODIFICATION, WHILE TELLING ME AND I QUOTE '' XXXX XXXX YOUR SITUATION IS GOING TO CHANGE TREMEMDOUSLY ' END QUOTE SHE TOLD ME TO CONTACT HER AS SOON AS I HEAR FROM THE PROGRAM I EVEN CALLED TRUIST AND GIVING XXXX XXXX MY NEW NUMBER WITHIN THE NEXT THREE WEEKS I HEARD I HAD BEEN APPROVED I IMMEDIATELY STARTED LEAVING HER MESSSAGES AND CLIENT SERVICES SENT HER AN EMAIL FOR HER TO CALL ME AND I NEVER HEARD BACK FROM HER AT ALL UNTIL AFTER THE PROGRAM HAD SINCE CLOSED AND I HAD WROTE A LETTER TO THE CHAIRMAN AND CEO OF TRUIST. HER NEGLIGENCE AND UNSCRUPULOUS ACTIONS COST ME 48 ; MONTHS OF MUCH NEEDED ASSISTANCE

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 2023-08-09 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself 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. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2023-08-09 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: MD

Complaint narrative:
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 2023-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
Comdata is refusing to issue credits that were agreed upon between XXXX XXXX ( XXXX XXXX ) and XXXX XXXX ( XXXX XXXX XXXX  ). In Comdata letter, they state " but to date, you have not retracted the XXXX statements regarding the fraudulent application and fraudulent payments. '' Per XXXX XXXX specific request on XXXX, I have sent an email on XXXX requesting the account to be reopened. See attached. On XXXX, XXXX XXXX stated, " I found the issue and the entered credit for the missing amount. Will you be able to send me a letter so that we can get your account reactivated in the meantime? ". On XXXX, a letter on company letter head was sent to XXXX XXXX, per his request and sent to Customer Care and XXXX. See attached. 
There is no indication from XXXX XXXX or anyone else that these letters are " not sufficient ''. All documentation was sent at the request of XXXX XXXX in good faith without any objection from either party. If Comdata would like assurances from future claims then they need to provide the sufficient language that they would require. Comdata would need to issue a check for {$69.00} to have this matter closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09 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: 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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: 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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I was a victim a scam who forced me to buy four ( 4 ) Gift Cards in the amount of {$500.00} each, fortunately the scam did not work therefore I'm trying to get my money back but, the two companies who are governed by the same financial services I have the cards in my possession and the purchase tickets although I comply with their demands the results are futile, they have going and circles and no answers and no results either. The companies in question are XXXX ; distributed and serviced by inComm Financial services inc ; the other two cards are issued by XXXX, XXXX. both cards are serviced by the same institution inCommFinancial services, both has the VISA Logo

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I stamped accepted for value and endorsed my loan on commercial paper for securitization. It was received XX/XX/2023. By law if my instruments are not accepted, they are hereby discharged.

Company response to consumer: Closed with explanation