vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/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 2023-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted from my Equifax Credit Report : 1. XXXX XXXX XXXX XXXX, OK XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want your help to remove this bankruptcy in my credit report because this is not okay and Bankruptcy should not be reported in my credit report as said by the Court and you don't even have the means to make sure that you are reporting this correctly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Pay Pal XXXX XXXX to an unknown recipient that you cant contact. My phone was hacked by a scam email, when trying to obtain a refund from XXXX. They were able obtained my ip address and access to all my accounts. 
XXXX XXXX. on XX/XX/2023. 
And XXXX to an XXXX XXXX transaction ID XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want your help to remove this bankruptcy in my credit report because this is not okay and Bankruptcy should not be reported in my credit report as said by the Court and you don't even have the means to make sure that you are reporting this correctly!

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 2023-08-14 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
On XX/XX/2021, I was involved in a small incident in a parking lot where I was backing up and slightly scratched someones bumper and it is appearing on your guises website as an accident it was not a moving accident it was a parked vehicle I was backing up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
In XXXX, I purchased XXXX XXXX XXXX and covered that property with a homeowners insurance policy administered by USAA. The home was sold in XXXX, XXXX and USAA was informed. Unbeknownst to me, USAA maintained coverage on that property and charged me monthly premiums. I did not discover that they were double billing me for property insurance until XX/XX/XXXX. So, I immediately called to confirm and cancel the insurance. They verified sale of the home and stated that I would receive a refund for all payments ( without interest ) within 30 days. I called on XX/XX/XXXX to check on the status of my refund. The call taker stated that my backdating was under review and again stated that the process could take up to 30 days. I did ask for confirmation about how much was due and she stated that she was unable to confirm the amount. On XX/XX/XXXX, I still had not received payment. So, I called at XXXX to check the status since the delay was now beyond the promised 30 days. This caller stated that XXXX ) the XXXX refund had been applied to my other insurance products without my consent because the DOI requires this, and XXXX ) despite requiring remission to other policies, she could have that rescinded upon my request. This makes no sense because I, as a consumer, have no authority to contravene a supposed law, should one actually exist. Furthermore, she stated that once the XXXX and XXXX policy years had been approved ( which they still had not, beyond their 30 day deadline ) she could have paper checks issued in XXXX billing cycles. USAA has been digital for nearly XXXX decades and I have several bank accounts with them. USAA has been fraudulently and deceptively holding my funds without disclosing the full due amount and without a clear process for returning my interest free loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been facing difficulties in obtaining credit due to a previous fraud alert on my account. I contacted all three credit bureaus on XX/XX/2023 and requested them to remove the alert. However, when I applied for a line of credit with Capital One on XX/XX/2023, they rejected me by telephone conversation saying that they could not access my file. I called the bureaus again and they assured me that there was no problem with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: OH

Complaint narrative:
My daughter is XXXX. I helped her create an account and I added funds to it. Several transactions totaling {$40.00}. Her original account was $ XXXX and it was set up on her phone number XXXX. She was not able to use or access her account at that time because she was a minor and I was not able to add her to my family accounts. Her phone broke and we no longer can get messages sent to that original number. Her account was never linked to my family account despite me contacting support several times. I had to wait until my son who is XXXX dropped off of my account to add her. She got a new phone and number and we were trying to set up her cash app before school. But it would not let us recover her account. It said she needed to create a new account and contact support. So we did. We followed the instructions to merge her accounts but it would not work because she never had a card for it. 
They told her that because I am her parent/sponsor, I needed to contact them. So I did. Again, they had us attempt to recover and merge her accounts, and again, it did not work. I requested that they reverse my transactions and refund the funds and they said they couldnt do that either. 
I just wanted my daughter to be able to access her money and use her cash app account. The new account is $ XXXX and her new phone number is XXXX. I can provide her birth certificate and social security card and any other proof that I need to get this fixed. I have spent several days and talked to numerous people and they have told me that money will just sit there indefinitely because she does not have access to the original phone number used to set up her account. They are essentially holding her money hostage because we have absolutely no way to recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax Credit Report and there is a fraudulent account report on my credit report that is not mine. This is my first time checking my credit report in years. 
Below is the fraudulent account that I would like to have permanently deleted : 1. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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.

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 2023-08-14 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: NY

Complaint narrative:
I have a dismissed bankruptcy on my credit report that has inaccurate information. I have requested that the credit bureau investigate this and provide an update. They reply that they have investigated, and that information is accurate which it is not. I sent a request to the bankruptcy court asking how the credit agencies investigate disputes with the court. The court provided me a letter stating that they do not confirm or provide information to the credit reporting companies. How are the credit agencies verifying information if the source of the information is not providing updates to them. I have attached a letter from the bankruptcy court stating their position on credit agency investigations.

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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint pertains to previous complaint XXXX. The CFPB informed me that Wells Fargo had responded to my complaint, and there were supposed to be three attachments provided by Wells Fargo on the complaint, but the links to the attachments were not clickable -- they did not link to any attachments or documents. Obviously, there was a glitch or omission on Wells Fargo 's part which caused the attachments not to be viewable.

Here are the names of the three failed attachments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need Wells Fargo to respond again, this time with valid links to the attachments.

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 2023-08-14 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: AL

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.

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 inructions 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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: CO

Complaint narrative:
I have a card that I get money sent to as rewards from a manufacturer we use. Back in XXXX XXXX XXXX XXXX I got into that account and found that there were {$340.00} in fraudulant charges on the card. I filed a dispute that day ( XXXX ), case # XXXX or it could be XXXX XXXXXXXX ( I can't read my own writing lol ) I called back in XXXX to check the status of my dispute and nothing had been done. I called back again on XXXX, and still nothing had been done. The gentleman on the phone said he would escalate my case and that I should have an email in 24-48 hours. It's now XX/XX/ and I have never heard back from anyone, nor have they refunded my money. This company just completely ignores their customer when there is problem, and that's if you can get through to someone. That's a nightmare in itself. 
The website on the back of my card is MyPrepaidCenter.com and the phone number is XXXX and the card that I have is a XXXX XXXX XXXX. Please feel free to call me if you need further information. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX  alleges XXXX XXXX did not pay XXXX and XXXX and instead is coming after me over the balance discrepency. As per the terms of our contract I do not owe either company any money. These two companies need to figure out the problem. I am not liable for payments XXXX XXXX XXXX deems were not paid by XXXX XXXX. XXXX, Equifax, and XXXX must correct the balances on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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:
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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Fee Invoice Invoice no. : XXXX Dear Customer, From : XXXX XXXX XXXX MONEY RECEIPT - Regarding Your Payment Kindly Check Your Order Bill If You Want Refund Call Us @ Order Number XXXX XXXX ________________________________________________________ Thank you for using PayPal. 

Your Account has been charged with USD XXXX and will be going to deduct from your account with in 24 hours. If you did not recognize this transaction or want to cancel these charges. 
Please contact Toll Free Customer Support Number : XXXX ( XXXX ) XXXX Order Number : XXXX Invoice Amount : USD XXXX Invoice Date : XXXX XXXX Due Date : XXXX XXXX  Payment Mode : Online Contact Our Customer Support team XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AAA Auto Title Loans, LLC
State: TX

Complaint narrative:
I was paying this loan back and had to relocate and fell on a hardship and was trying to work out some arrangements with them and they kept coming back with a monthly amount owed that kept increasing. They demanded that I pay them what they needed which was not affordable to me. Since then, the original balance i borrowed has increased from {$7800.00} to {$18000.00}. They said if i would pay them, they would reduce the actual amount owed back down by over {$10000.00}. This company has completely not be willing to work with me and so I was unable to deal with them any longer and the talks broke down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
I have never received a statement from Specialized Loan Servicing. They claim to have mailed me statements but they have not. 

I may have missed a payment in XXXX. I never received any notice of a late payment. 

Specialized Loan Servicing has been compounding late fees for months but never send me a statement. They receive my monthly payments but do not notify about the late fees that are increasing each month. 

They had the wrong e mail address. I am not sure if they tried to contact me at the wrong e mail address. 
Specialized Loan Servicing ( before XXXX XXXX ) has NOT send me a statement. NEVER! 

I have an XXXX credit rating. If they has notified me about the late fee or missed payment I would have paid the XXXX but they did not notify me and just keep increasing the late fee amount to {$230.00} I believe they have changed their records to show mailing statement but they have not send any before XX/XX/2023. 

I suspect they send them to the wrong address. About two weeks ago I had them look at my records and they had the wrong e mail and agree they had not sent statements to my home address. Today they told me their records show mailing statement. Changing the records is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX mail XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: Guild Holdings Company
State: GA

Complaint narrative:
This letter Services as a formal complaint that you are reporting inaccurate and incomplete information on my Credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date, and balance whether reported or not. [ Guild Mortgage - Acct. No. XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must first verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed Never Late ) according to the consumer protection laws. 
15 US Code 1681A, Para.2, Sub.Para A. Sub.Sect.I states that Transactions are not included in the Consumer Report.

Company response to consumer: Closed with explanation