vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
A company named Credit Corp Solutions XXXX Tasman Credit Corp is trying to collect an old installment line of credit that I previously settled in full with XXXX XXXX XXXX. I have an email from XXXX from XX/XX/XXXX stating the loan number and that the message serves to confirm the loan had been settled in full. In XX/XX/XXXX, I started receiving phone calls and mail from XXXXredit Corp Solutions XXXX Tasman Credit Corp stating that XXXX XXXX sold the account to them for collections for an amount of {$2600.00}. Even after providing them with the original email stating the account was settled in full, they continue to tell me I owe it. I am concerned that it will harm by credit score that I've worked hard to repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Atlanticus Services Corporation
State: IL

Complaint narrative:
Fortiva, closed my credit card account three days after setting up a payment arrangement the closed account hit my account and lowered it by over 100 points on XX/XX/XXXX on XX/XX/XXXX the change started I attached the closed account reporting and when it was closed and the recently updated open account. If this account hits my credit again as closed it will surely lower it again this is unethical due to the nature of tactical measures to obtain Furnishing and Reporting Inaccurate Information knowing the account is closed showing as current when it rectified will decrease my score yet again I called and they verified the account was closed however still showing current XX/XX/XXXX was updated as open. 

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: LEXISNEXIS
State: MO

Complaint narrative:
Notice of Intent to Sue XXXX XXXX is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is erroneously reporting bankruptcy case number XXXX as belonging to The Consumer. The Company has not verified the following information and is currently reporting inaccurately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( The Consumers name is not XXXX XXXX XXXX XXXX as reported ) Bankruptcy Court Details : Court Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Source Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Petitioner Represented By Attorney : Yes Petitioner or Attorney Address : XXXX XXXX XXXX, XXXX, CA XXXX XXXX The Company has continuously violated The Consumers rights by reporting this inaccurate information. As of XX/XX/23 The Consumer has not received notification that The Company has deleted the above mentioned bankruptcy from its database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
On XX/XX/2023 I went to my local Ford dealership and informed them I would like to perform a consumer credit transaction. They took my social security number and ran my " credit '' through Ford Credit. Later that evening I received a call from my local dealer that my " application '' had been denied but no " excuse '' was given. I have tried calling Ford Credit several times to discuss this matter with them but each person I speak with belittles me and tells me I have no clue as to what I am talking about that they deal with " loans '' not consumer credit transactions. I also have yet to receive any notification in the mail from Ford Credit explaining why I was denied " credit '' which is a further violation because they are supposed to ensure that notification is received by me within thirty ( 30 ) days. I spoke with a XXXX and XXXX from Ford Credit who refused to allow me to speak to anyone above them and said that they, Ford Credit, did not run my credit that it was the dealership who ran my credit. I said how could that be when your organizations name is the one showing up on my consumer report for a hard inquiry. They both refused to assist me and insisted that I was ignorant to the law and that they were not committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over 30 days, I still have received anything back According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian. XXXX. and XXXX have 30 davs to respond to my dispute This a violation of my rights. 

Receipt and tracking number from United States Postal Service. 
Tracking number : XXXX Receipt number : 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 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo charged unauthorized fees per the class action lawsuit.

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 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
In XX/XX/XXXX, I received a direct deposit of {$500.00} in my PayPal account. The same day I received and email that my account was being closed and that I can access my money in XXXX I called PayPal and no one can answer my questions I been on hold for hours and no resolution. I rarely use the account there are no suspicious charges because there is barely any money deposit it there. I beg and pleaded with PayPal to give me an answer and they all say I will have to wait 6 months to get my money. I contacted my XXXX  department at my job and they reached out to XXXX and since I waited the XXXX day to contact the XXXX department they cant reverse the payment. They stated federal banking regulations said I have to contact them within 5 days of the issuance. Well I did contact the XXXX department at my job Friday XX/XX/XXXX the day we got paid and the girl who took my concern did not put in the correct request like I asked her she simply stated that my account was close and my money should be return I had to call back last Thursday XX/XX/XXXX and speak with XXXX department and she told me about the federal banking regulation of 5 days to reverse payment. So because a call center rep took my concern down incorrectly I was outside of the 5 day period and when Payroll attempted to reverse payment XXXX said they could not do anything I will have to reached back out to PayPal. I just want my money and some answers on why it was close. They just have my money sitting there that I worked for. I dont understand I use the PayPal account for shopping and miscellaneous items I dont do anything else but that. I spoke to a supervisor he had it escalated and of course no one reached back out to me. People are heartless and no help when you call PayPal I need my money and a resolution. My reference number from PayPal is ( XXXX ID - XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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
Consumer complaint received 2023-02-13 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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 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

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 2023-02-13 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: SC

Complaint narrative:
XX/XX/13 I called XXXX in regards to a reduction of my credit limit from {$1000.00} to {$500.00} after I made a payment of {$700.00}. The company stated that they reduced my limit based on false information provided from creditors. 

XX/XX/13 A payment was made of {$700.00} to lower credit utilization. Immediately after that the credit limit was reduced to {$500.00}. This is impacting me significantly and I need this resolved immediately.

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 2023-02-13 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:
XX/XX/13 I called XXXX  in regards to a reduction of my credit limit from {$1000.00} to {$500.00} after I made a payment of {$700.00}. The company stated that they reduced my limit based on false information provided from creditors. 

XX/XX/13 A payment was made of {$700.00} to lower credit utilization. Immediately after that the credit limit was reduced to {$500.00}. This is impacting me significantly and I need this resolved immediately.

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 2023-02-13 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: WI

Complaint narrative:
In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish 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 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 2023-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I have XXXX credit protection due to breach at XXXX records and my personal information was stolen. I was sent an alert that a delinquent account was held in my name at Avant in XXXX. I contacted them a told them I had never opened an account with them and that it is a case of identity theft. I was told I needed to send them a copy of a police report and a sworn affidavit. I did this and it was received by Avant on XX/XX/XXXX ( usps tracking number XXXX. I emailed them and informed them I sent the information and received no response so on XX/XX/XXXX I sent another email with a picture of usps tracking info and told them I would file a financial complaint against them if I did not heard within a week that their complaint against me was not resolved.. The next day I received another email thanking me for sending the information and that they were going to send letter to XXXX to closed their complaint against me and it should take a few weeks. On XX/XX/XXXX I received another alert from XXXX of credit collection against me by XXXX XXXX XXXX XXXX on behalf of Avant web bank. I contacted XXXX and together we called AVant and we were hung on, we called back and asked for a supervisor and he refused to talk with us and he never tried to return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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:
XXXX XXXX account # XXXX XXXX account # XXXX I have did a very good investigation on my credit report. My identity was stolen years ago. This is not my account I have hired an attorney for a lawsuit on all credit bureaus on my XXXX  none of these accounts on there. I need this removed from my credit report ASAP. 

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 XXXX XXXX XXXX and 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 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 informations inaccurate. 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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
After moving into my new home in XXXX of 2022 about 2 months down the line in I believe XXXX or XXXX I got some electrical work done at my home from a company name : XXXX XXXX who also had ran my credit score and eventually ending financing me with a bank by the name of Ally Lending for about {$4700.00} or XXXX. Sorry but I don't have the Receipt/Paperwork in my possession but I do have all the information if you need it but anywho I was given payments of {$71.00} a month for I think 36 months so I was inform that due to me financing and having to pay interest on the work that was done to my home I was fine but only because I was under the impression that by me receiving the loan it'll go straight towards my credit as I mail the payments but once I ended checking my credit report yesterday I noticed that it was never reported but it was noted that Ally did a Credit check that day but no lending.

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 2023-02-13 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: DC

Complaint narrative:
This Credit Reporting Agency ( Experian ) Has 6 Fraudulent Hard Inquiries On My Consumer Report. I The Consumer Called Experian To Have These Removed Off My Consumer Report And Was Told They Can Not Be Removed.

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 2023-02-13 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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