vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In 2018 I was a victim of identity theft. I never opened the XXXX XXXX XXXXXXXX card listed on my credit reports I am not requesting a fraud alert be placed on any of my reports.

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 2023-08-16 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: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-08-16 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: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time 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 explanation
Consumer complaint received 2023-08-16 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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed 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 2023-08-16 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2023 I called and spoke to a representative regarding our mortgage PMI insurance. We wanted to have our home value reviewed to be able to get out of PMI. I was told by the representative that I would need to submit an email to XXXX to begin the process. The representative stated we would hear something back within 7 days. We waited over 30 days and called back to follow up on XX/XX/2023, and I spoke with XXXX. She advised that she would escalate the situation to a XXXX and would also send an email following up on the request and we would hear something back within XXXX hours. By XX/XX/2023, we still had heard nothing back so I called again and spoke with a different representative. I was told the same information, that they would escalate to a XXXX and follow up on the request. As of today, XX/XX/2023 we have yet to hear from anyone at Truist. We have received no calls, no emails, and no mail. I find these practices to be unfair, and believe Truist is only doing this to keep us paying additional money while our home value has increased and we could likely be out of paying PMI.

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 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I made a deposit on the day of XX/XX/2023 for an amount of XXXX. This was a bill of $ XXXX bundled together with a XXXX label ( as is customary from the bank ). 
The ATM machine was not able to register the {$5000.00} and can only register {$3500.00} at the confirmation prompt, to which I promptly realized was an error and requested for the ATM machine to cancel the transaction. 
At this juncture, the ATM machine retured exactly {$3500.00} but the rest of the money from the initial bundle ( {$1500.00} ) was not returned. 

I filed a dispute claim with Wells Fargo ( claim number : XXXX ) but Wells Fargo informed me last week ( XXXX XXXX XXXX I can find the letter if need be ) that the claim was denied. 

I tried to contact Wells Fargo to explain that I have evidence they might be interested in ( since I took pictures of the serial numbers for the XXXX dollar bills ) but it was a dead end as their 'investigation ' that took 2 months did not show any extra money being deposited into the account from my transaction.

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 2023-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
on XX/XX/2023 I went to a car dealership to sell my car that was purchased through Capital One Auto Finance. The dealership and myself contacted Capital One to get the pay off amount and to facilitate the sell/purchase of the car to said dealership. 

On XX/XX/XXXX it was reported that my account payment was late... although we spoke on XX/XX/XXXX and sold the car to the dealership. I have contacted Capital One expressing this. Even in their OWN records it shows they deposited the payoff amount of {$28000.00} on XX/XX/XXXX - BEFORE they marked my account as LATE - of which I have never been late on a payment across the entirety of my credit profile. I mailed them, infor mation pertaining to this to no avail, so here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
To the PayPal Appeals Team, I hope this message finds you well. I am writing to formally appeal the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe this limitation is a result of a misunderstanding or an error, as I am confident that I have not violated any PayPal policies or engaged in any unauthorized activities. 

I have been a loyal PayPal user for [ duration ], relying on your platform for secure transactions and seamless online payments. It came as a shock to me when I received notification of my account 's permanent limitation. I have always strived to adhere to PayPal 's terms of use, conducting transactions with transparency and integrity. 

I kindly request PayPal to conduct a thorough re-evaluation of my case. I am confident that upon review, you will find no evidence of any policy violations from my end. I have always valued the trust that PayPal places in its users, and I am committed to upholding that trust. 

I understand that PayPal 's primary concern is ensuring the safety and security of all transactions and accounts on its platform. I share this concern and assure you that my account activities have been and will continue to be in line with PayPal 's guidelines. 

I kindly ask for your prompt attention to this matter. My PayPal account has been an essential tool for both personal and professional financial transactions, and its limitation has caused me significant inconvenience and distress. I firmly believe that a mistake has occurred and that a fair investigation will lead to the reinstatement of my account. 

I appreciate your understanding and cooperation in this urgent matter. Thank you for your time and consideration. I look forward to a positive resolution and the restoration of my PayPal account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: SC

Complaint narrative:
Im submitting this correspondence due to the fact that the three reporting agencies have been reporting accounts on my credit report with out having written consent. Per 15 usc 1681 ( b ). This is also identity theft bc written consent was never given and also violates due process under the 14 th amendment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: SC

Complaint narrative:
Im submitting this correspondence due to the fact that the three reporting agencies have been reporting accounts on my credit report with out having written consent. Per 15 usc 1681 ( b ). This is also identity theft bc written consent was never given and also violates due process under the 14 th amendment

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 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I bank with Bank of America XX/XX/XXXX I noticed a transaction from a company I did not recognize for {$120.00}, I called the bank and advised them of this transaction and they were able to look back and see that the company has been taking money out of my account since XXXX. All the transactions are totaling up to {$6000.00}. 
The bank stated that they can only investigate the transactions that go back no further than a year. Those transactions equal up to {$1000.00}. 
I asked that when they investigate the transactions that fall within a years time will they be able to go back further to refund me the remaining of the unauthorized transactions but they stated they can only do a years time. 
This is discouraging due to the fact that they have taken so much of my money illegally I feel that may bank should refund me everything that was taken and not allow the previous fraudulent behavior to stand.

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 2023-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Albert Corporation
State: MD

Complaint narrative:
I put my card on the Albert cash app and somehow my account has been signed out of. Ive been trying to get back into my account but my phone is currently off and I need a the same password or the same email associated with the account. It wont let me change a thing Ive tried reaching out and calling all different numbers. They dont have a direct person I can talk to basically. I need to get in to my account my card and my money is on there and Im not able to use it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In 2018 I was a victim of identity theft. I never opened the XXXX XXXX XXXXXXXX card listed on my credit reports I am not requesting a fraud alert be placed on any of my reports.

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 2023-08-16 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
This account did go to collections. XXXX XXXX sold my account to a collection attorney because at this time, my husband was severely injured in the coal mine he worked. He had to receive XXXX XXXX surgeries. After all was said and done, I reached out to the attorney to begin payments on my debt. The account has been paid in full and I was mailed the title to the vehicle. A year or so later, the vehicle was traded in on a truck. XXXX XXXX continues to report this account as open, delinquent, with a {$3300.00} balance. Since XXXX. I do not owe this money. They do not have the title but continue to refuse to remove this from my credit file. I would NOT have been able to trade this vehicle in without a title. My issue is that I don't know how to prove this as this occurred almost 10 years ago and I have nothing to definitively prove this is what happened. As of XXXX this account is the only negative mark on my consumer file. They have refused to remove this and I am in desperate need of assistance. Please ask them for a copy of the title to prove the account. They can't do it because they don't have it. I DID.

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 2023-08-16 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: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
My student loans are now affiliated with Aidvantage. I have been trying to make payments on my student loans since XX/XX/2023. Every time I submit a payment I get an email saying it has been confirmed. When I check back 2 or 3 days later. The payment has been reversed and has not left my account. I have to keep making the same payments just for them to be reversed. Advantage states that something is wrong with my card. I have deleted the card from my profile and reentered both the account and routing numbers but the problem persists. On XX/XX/XXXX, I called the company itself and did a phone payment, I hope that works as I have run out of options. If this continues to happen, my student loans might not get paid on time and I will be penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have made several attempts to rectify the issue of not having my current mortgage payments to be updated and to reflect current for the months of XXXX and 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 2023-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: WA

Complaint narrative:
I have not received any forms of communication regarding this debt. ( In fact I do not even recognize the original creditor - the original debtor is a rental company in XXXX, CA and I have not lived in that city my entire life- I have proof of residency ). This was posted to all my credit reports with my knowledge

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 2023-08-16 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: Bayview Solutions LLC
State: NC

Complaint narrative:
XXXX ALLOWED THIS COMPANY, BAYVIEW SOLUTIONS TO ACCESS MY CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE Date : XXXX XX/XX/XXXX Bayview Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Demand for Compensation for FDCPA Violations Dear Sir/Madam, I am writing to you regarding the unauthorized inquiry that was made into my XXXX Credit Report on XX/XX/XXXX. It has come to my attention that Bayview Solutions LLC has accessed my personal credit report without my prior consent or without any permissible purpose as outlined under, 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

According to the provisions of the aforementioned statutes, any unauthorized credit pull constitutes a violation of my consumer rights. Specifically, the FCRA provides that consumers have a right to privacy, and unauthorized credit inquiries not only infringe on this right but can also potentially negatively impact my credit score. 

The FCRA provides for statutory damages of up to {$1000.00} for noncompliance, in addition to any actual damages suffered. Given this, I hereby demand that Bayview Solutions LLC compensate me in the amount of {$1000.00} for the unauthorized credit inquiry made on XX/XX/XXXX. 

Please treat this letter as a formal complaint, and I request you to provide a satisfactory response within 7 days from the receipt of this letter. If I do not receive compensation and assurance that no further unauthorized credit inquiries will be made, I will not hesitate to pursue further legal action. This may include filing a complaint with the Federal Trade Commission and the North Carolina Attorney General 's Office, and pursuing a civil lawsuit to recover statutory and actual damages. 

This letter is not an exhaustive statement of my rights, remedies, defenses, or claims, all of which are expressly reserved. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: FL

Complaint narrative:
Credit card company sold my debt that was closed after I returned items to 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 2023-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Reporting inaccurate information The Credit Bureaus NEVER Did Proper Investigation according to the FCRA The term investigation consumer report means a consumer report or thereof in which information on on a consumers character, general reputation on, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information on. 
They did not do this. 


Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE!! 
The credit bureaus stated this account was properly inves : gated but how if the Open Date is inaccurate, Last Payment Date in inaccurate, date last reported is not accurate This is Grounds for REMOVAL!! 



They Also Violated the law because according to 15U.S.C 1681 Sec : on 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Sec : on 604 A States a Consumer repor : ng agency can not furnish an account without my written instructions on.

I myself did not given anyone consent

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