vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I applied for a Wells Fargo VISA card and immediately was charged {$1000.00}, plus a {$30.00} transfer fee. I informed them that I did not transfer anything to my new card. I called immediately and cancelled the card! Wells Fargo sent me a letter stating that I made this transfer and owe them the money. When I asked where I transferred the money from, they said that they couldn't tell. I did not use the card even once! Wells Fargo did something wrong and are not willing to fix it. 

I don't pay interest, late fees or transfer fees.

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 2022-12-03 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: GA

Complaint narrative:
FCRA Violation personal information not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation credit card not mine XXXX XXXX XXXX XXXX FCRA Violation public record not mine XXXX XXXX Bankruptcy

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 2022-12-03 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:
FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation credit card not mine XXXX XXXX XXXX XXXX FCRA Violation public record not mine XXXX  XXXX Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/29, I received an email from Venmo that my account had been temporarily frozen and asking me to provide my identification. I did so within minutes of receiving the email. Today, XXXX, I received an email stating that my account has been permanent XXXX because of concerns. They will not let me transfer money out of my account. I have emailed with the person who sent me the email and asked for clarity and additional help and the response has essentially been too bad and no. I have also tried to reach out via phone, mobile chat, XXXX, and other avenues and all have directed me back to emailing with the original associate. I am a partner at a major law firm and have done nothing to violate the User Agreement, which I reread today. Indeed, the only thing that has happened to my account recently is that I have been targeted by what look like XXXX  trying to transfer {$0.00} into my account and asking me to transfer money to them. I have blocked as many of those people as possible. I can not believe that Venmo would treat people this way and refuse to permit me to transfer my own money to my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03 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: SC

Complaint narrative:
Recently, I did a investigation on my credit report which cause severe XXXX upon me unverifiable, invalidated, inaccuarate and questionable items that your agency didnt make sure it was reporting 100 %. In accordance with the FCRA everything has to be 100 % accurate on my credit report. 15 U.S.C. e ( b ) and 15 U.S.C ( 5 ) states that these accounts are in violation of not being 100 % accurate.

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 2022-12-03 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: AZ

Complaint narrative:
Transunion sent me a letter, a stall letter They are asking for more verification even though I created the letter and sent the letter myself to Transunion. They are holding up the investigation of my complaint by not even conducting a complete investigation of the issues that I raised with them. Their hold up is effectively holding back XXXX and XXXX from conducting their investigations as well.

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 2022-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Company is reporting information on my report that is not validated and is incorrect. 
I dont have any outstanding medical bills with XXXX XXXX XXXX 
I have never had any contact or done any business with 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 non-monetary relief
Consumer complaint received 2022-12-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Company is reporting information on my report that is not validated and is incorrect. 
I dont have any outstanding medical bills with XXXX XXXX XXXX 
I have never had any contact or done any business with 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 non-monetary relief
Consumer complaint received 2022-12-03 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received a letter last summer 2022. It stated that my current XXXX XXXX XXXX was going to be replaced by an new XXXX  thru Comenity Capital Bank. I received the new card and on XXXX, 2022 I activated the new card and registered for my online account. I received a confirmation email indicating that I activated my card & registered for an online account. I then tired login but could not and thought it would maybe take a day or so to be completed. Well after several weeks went by and now needing to make a payment I tried logging in again and still could not get into my registered account. The several times that I would login I would always get a message stating that there is no email on file & they have to contact me. Again they sent me a an email after I registered and activated the card as it was required. 
So I called to make my pymt & told them the problem I was having and they said they are working on correcting it. Then a few weeks later I received an email from the president apologizing for the problems that many customers were having. So today XX/XX/XXXX I thought all should be ok as I received an email about my online statement being available. Again I can't get into my account. I get a message stating that no email is on file with them. They have my email as I confirmed it with them when I made my first pymt to them by phone and also received about 5 emails from them since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FC HoldCo LLC
State: GA

Complaint narrative:
Consumer have been in dispute with FLAGSHIP regarding a debt that arised from a consumer credit transaction. Consumer requested documentary evidence from FLAGSHIP in which they have failed to provide. Since FLAGSHIP can not provide consumer with sufficient documentation to validate, FLAGSHIP are to cease collection activity per the Federal Law. On XX/XX/2022 Consumer sent FLAGSHIP An Affidavit Of Fact. FLAGSHIP has failed to rebut the affidavit of fact therefore this affidavit stands true.

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 2022-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Company continues to call and try to collect debt owed from 6 to 7 years ago but updating false reports on my credit report showing account was open 2 years ago.

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 2022-12-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've tried multiple time to have Experian fix this error. I rehabilited a XXXX XXXX and consolidate XXXX of them in 2020. Now the old account is showing a missed payment AFTER loan was rehabilited and there is NO MISSED PAYMENTS. Experian is refusing to fix.

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 2022-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northern Service Bureau, Escanaba Inc.
State: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additional, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-03 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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This complaint is from me XXXX XXXX the person not from a third party company or any other person but me this is a real complaint. 
I am the victim of identity theft, i sent in a report and everything that ftc said that i should to get the identity theft removed from my credit but the credit bureaus did not remove any of the accounts that were included in the identity theft.

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 2022-12-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint is from me XXXX XXXX the person not from a third party company or any other person but me this is a real complaint. 
I am the victim of identity theft, i sent in a report and everything that ftc said that i should to get the identity theft removed from my credit but the credit bureaus did not remove any of the accounts that were included in the identity theft.

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 2022-12-03 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: MARINER FINANCE, LLC
State: IL

Complaint narrative:
Since XXXX XXXX XXXX marrian fiance have reported late reports even after i paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I.m paying my car loan and it is under agreement cause of financial hardship cause the bank agreed for me to pay XXXX payment in amount of {$390.00} installedments and agree for me to pay XXXX payment on the XX/XX/2022 and they send that information to the credit Report and say that was XXXX days late but we both parties agree that it wont be send in ..and i notice that they mess up my credit score in the amount of {$590.00} ... and i want to dispute this amount cause the bank fail on they agreement that it wont be reported cause of my Financial Hardship need to come to a conclusion on this issue..thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: MS

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX XXXX 

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 2022-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have inquiries on my transUnion credit report that I did not authorize. Starting from XX/XX/2021 till now, which is XXXX XXXX. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested for a car loan in the amount {$17000.00}, which I did not do, They also claimed that I requested it three times in one week. I also noticed that there were two collections on my credit report, in which they were paid. XXXX claimed they removed it from my credit report, but it is still showing on my report. I have attached proof of the letters that I sent out. If you need any other proof, please request it. I have disputed these things multiple times and no one has taken it off. Please help me resolve this issue.

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 2022-12-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern : After reviewing my credit report, I realized that my score was lower than from which I previously checked it. I was a victim of identity theft years ago so I have had a freeze on my credit report for a long time now to which I have been trying to remove for a while on XXXX. 

The account to which I had no knowledge of was : XXXX Account # XXXX for {$2600.00}. 
I had no knowledge of this account and never presented any physical identification for this account to be open. 

The account violating my consumer rights with inaccurate reporting : XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681 ( XXXX Account # XXXX ), and ( XXXX XXXX XXXX XXXXXXXX ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Also to this ( XXXX Account # XXXX ), each CRA is reporting a different report for this fraudulent account which is also a violation of my consumer rights. Sections such as when this account was closed, the account comments, date last active, and the payment history ( XXXX XXXX XXXX  XXXX ) are all reporting inaccurate information of an account I had no knowledge of which is improper use of my credit report. Which again violates my consumer rights. 

And this information is inaccurate. 

According to 15 U.S. Code 1681b subsection 2, I never gave any written permission for this account to be in my possession nor upon 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 2022-12-03 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act .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.

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