vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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: IL

Complaint narrative:
There was no written consent by me or any disclosure from the creditor to report my payment history to the credit bureaus. I have been trying to resolve this issue for over a year. The account is current and paid off and closed by the creditor. I would like the payment history adjusted accordingly to current. Also multiple credit laws have been brought to their attention that they have broken and yet it hasn't been resolved. I am NOT breaking the law, I have paid everything that needs to be paid. They shared information that they should NOT have. I want my credit profile updated respectfully. I need XXXX of XXXX thru XXXX of XXXX all updated to current and paid in full please. NO LATES should be showing on my credit report. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 

Also the Cares Act is being violated also FDCPA false misreporting please update account to current and paid as agreed on time.

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 2023-04-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XX/XX/23 There is incorrect personal information on my Experian Credit Report. More specifically, two addresses I never lived at. When I attempted to dispute this information on my Experian Credit Report via their online dispute portal, I experienced technical issues. Their system would indefinitely stall when you targeted the data to be disputed and it was loading the reasoning for the dispute ( I could see this greyed-out reasoning-for-the-dispute drop-down menu in the background as the system stalled to process the dispute further ). I then contacted Experian 's National Consumer Assistance Center at XXXX. However, the automated system only provided very generic information on how to either get your credit report and score or, alternatively, report fraud. Whatever option you chose and no matter what you did, generic information was provided that was not helpful as the automatic system blocked me from speaking with anyone about the technical issue ; or, alternatively, filing the dispute with someone online. Such resources used to be available. 

I cleared my cache, cookies, and history and tried different web browsers. Nothing worked. Further, I tried to submit the dispute on my XXXX XXXX ( i.e. not an outdated phone, by any means ). This led to the same technical issues. 

Therefore, Experian is essentially disallowing me from disputing critically incorrect information on my Experian Credit Report on a critical time schedule and further disallowing me from speaking to someone towards expeditious resolution. I am moving very shortly and inaccuracies on my credit reports are extremely problematic. Please assist. 

XX/XX/23 First thing this morning, I tried all of the above, once again. Same results and issues.

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 2023-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
Due to the neglience of this company and the information provided back in XXXX, the NSF fees caused, and a whole slew of other issues they caused with other bills, I paid my last XXXX payment on XX/XX/. It was not late. Considering all the mess they caused with the fees and getting behind on other bills, completely messing up my budget, I would think they would be a little more diligent and attentetive about my account. However thats not the case, in my case and histoically. I am still recovering from their neglience. As of today, XXXX, I got an email that there was a change in my credit report. I logged into to all the credit agencies and checked my credit reports to discover that BSI reported my XXXX payment as late. First off they messed my drafts up in XXXX and second I wasnt late. I have been totally stressed about all this and I have had to invest a lot of time and energy into fixing everything because of all this. I even spoke to an employee the last week of XXXX and inquired about being late, told them the date of the last payment of XXXX, and was told everything will be fine. And so it seems everytime, I again, was given false information. Called today, and a girl exclaimed that its only 16 days after the due date for it to be marked late, and transferred me in mid sentence to a voice mail box. I didnt ask to be involved with this horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HF Holdings
State: FL

Complaint narrative:
I consulted with a 60 day credit repair agency in XXXX of 2020 and never signed a contract or agreement. The verbal agreement was to go month to month until I cancel. NO CONTRACT WAS SIGNED. After 60 days, I decided to cancel going forward with 60 day credit repair. They then resourced HF Holdings, Inc.out of XXXX Florida. I received XXXX phone calls and no documentation identifying me to this debt collection. They can not show me a signed contract by me and attempting to collect a debt for {$1200.00} now visible on my credit report. This is a fraudulent practice and harassment. 

Attached document is the ONLY agreement I willfully signed and is by no means a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
XXXX is not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XX/XX/XXXX my paycheck was garnished due to an account being opened in my name, the collection company filed suit, and garnished my pay, I had sent them and I have provided them sufficient documentation since XX/XX/XXXX along with the police report to verify the debt was not mine as I was XXXX XXXX XXXX when the account was opened, the agency and attorney of record does not answer or reply to my emails, they have taken almost {$7000.00} from my money. I need to have these collections stopped and my money returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: MO

Complaint narrative:
I applied for an unsecured credit card with Discover in XXXX of XXXX that they advertise that if you make your payments on time for 6 months you will receive your deposit back with a possible increase of a credit line. I have made my payments on time ( sometimes 2 and 3 times a month ) for about 16 months and have not received my deposit back. I called XXXX on Monday XX/XX/XXXX and was transferred to a supervisor. I spoke with him and told him the situation and I ask why I haven't received my deposit back when I had made all my payments on time for 16 months. He said he would send a request for information and to call XXXX in XXXX hours and I would be told what is going on with my account. I called today XX/XX/XXXX well over the 48 hour mark and I spoke with a supervisor named " XXXX ''. She said they are unable to tell me why this is happening to my account and that the previous supervisor did not put a request in and she could be of no help to me. I then called the cooperate office for Discover at XXXX and I was told again there was nothing they can do to check my account to see why this is happening and why the system review is not working for my account they they have no back up reviewing system in place if this is happening to their customers. I believe this is false advertising and I have done everything I needed to do in order to get my security deposit back and the system is not working. I am attaching a copy of my transaction history for the account to show that the payments were made on time well over the 6 month limit. My payment amount is usually {$20.00} a month unless the balance is less as you can see I also have made more then the monthly required payment. I have also paid my car loan on time or earlier. The site also mentions monthly reviews, it doesn't mention if those reviews are completed my AI technology or human. As far as my credit score it has not dropped since I started using the card so I don't think this would be a factor either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was told that I can not use my credit card due to too many payments. I often use my credit card because I dont like to use cash. In a 12 day span I made 4 payments. I recently made a payment that placed my account on a 26 day hold and I was told that the funds wouldnt be available until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Ive requested in several places that Synchrony Bank close my account yet the refuse. Attached is the letter I sent today. They MUST stop disregarding my request. Id never be a valued customer of any company that steals from me. Yes they have by disregarding a valid complaint forcing me to pay a dentist who did nothing but produce a bogus treatment plan of over {$10000.00}. UNBELIEVABLE!! Good riddance Synchrony Bank. This very unfortunate experience forced me to read online horror stories, and its clear your lack of integrity in this case has saved me from future pain. GE Capital is who you really are, and you are still engaged in the same filthy dirty behavior.

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 2023-04-13 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I have never felt with this company ever. 
This is fraudulent activity and is on showing on my credit report. I have reached out to the company to dispute this matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
This has been an ongoing problem for a few years now. Equifax keeps saying i have not applied for credit, not used it or simply am not a US citizen. Untrue because i have credit reports with XXXX and XXXX. I have sent them my personal information many times, via mail and fax. To be able to verify who i am. The other credit bureaus have no problem showing me my credit scores. I even went as far as to contact all my credit cards and student loans to verify that they are infact reporting to Equifax every month, so I'm co fused as to how i can not have credit through them. But now because of Equifax refusing to give me my credit score because they can not verify who i am, i am unable to get a house mortgage. And i refuse to send them all my personal information again for like the 9th time just because they can't do their job correctly. I call and call and they all give me the same lame go around, " if you could send us your personal information via fax or mail we can verify your identity '' untrue because I've done it multiple times already and each time they say the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On Monday XX/XX/2023, I was scammed at a XXXX XXXX. The aggressor took my phone from my hands and sent herself {$1500.00}. The agreed amount was {$100.00}. She took advantage of me and intimidated me to trick me into sending her money. 

That night I made the claim with Wells Fargo and soon after made one with the police. Wells Fargo almost a month later closed my claim. They said they do not accept police reports as support for their investigation.

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 2023-04-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : 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 XXXX XXXX XXXX XXXX XXXX  These adresses do not belong to me. Please delete it from my credit report. 
2. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I had taken {$250.00} out from Moneylion back in XXXX of XXXX. Now not once did they reach out to arrange a payment plan they just constantly kept taking the money out of my account and it would bounce back due to lack of funds. I reached out to the company to assist with reversing the funds and I was introduced to a customer support representative who kept calling me the wrong name and never answered my question. He kept telling me ways to increase my cash advances. I still havent had my question answered all they could say is they will work on their communication. Its XX/XX/XXXX and I took the loan out in XX/XX/XXXX, this is the only time Ive ever had an issue with payday loan companies they usually always work with me to insure the money is paid back some how. You guys didnt do anything, made me serm very small for borrowing money

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
I consumer ( XXXX XXXX XXXX looked at my credit report recently and I notice that this company NCA was violating my rights as a consumer. I have done no business with NCA and don't plan on doing business with them. These accounts are hurting my credit report. As a consumer, I have a right to privacy. I no longer have that due to these collections. I have been harassed which is another violation. Please do not tell me that I have not only I the consumer can consider what is harassment. My character has been defamed. I am demanding the following actions below. I have sent them an invoice with all violations. I have attached my license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: CA

Complaint narrative:
Hi I made a purchase at XXXX and wanted to immediately cancel. I looked for the customer service number and the number opened up on XXXX XXXX. 
I called the number for a refund and they said since I paid the merchant directly they did not have access to my credit card to refund. But they would refund on behalf on XXXX and in order to do that they asked me to download a software. As soon as I downloaded the software they took control of my phone and stole {$3900.00} to a XXXX. 
I called Venmo to stop the transfer as soon as I saw XXXX balance on Venmo but they did not stop the transfer. 
How can Venmo allow such a large transfer amount when even banks have daily limit of {$500.00}? 
I never made large transfers that should have been a red flag. All other agencies take 2-3 days to clear large transfers- how can this happen immediately? They even paid {$25.00} fee from my account for swift transfer.

Company response to consumer: Closed with monetary relief