vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 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: Security Credit Services, LLC
State: WI

Complaint narrative:
Re : XXXX XXXX ( XXXX report number ) # XXXX my Social security # XXXX my address : XXXX XXXX XXXX. 
XXXX, WI. XXXX ( XXXX ) XXXX Email : XXXX unresolving Issue Re : SECURITY CREDIT SERVICES Account number XXXX Account type Collection Date opened XX/XX/XXXX Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
This account is continuously reporting negative account information the above account has been included in my bankruptcy XXXX  XXXX filed XX/XX/XXXX and was discharged XX/XX/XXXX in case number # XXXX this information keeps reporting and experian keeps reporting it as negative information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: TN

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
CASE # XXXX respondent states records are only kept for Twenty Years. NO record found. This CD was issued in XXXX it is now XXXX FIFTEEN YEARS! bankers that can not do ample math. With no record found, it is easy to conclude someone has reached the record! Is that the one who has the {$20000.00} Dollars? Something needs to be investigated here. The simple answer would be that I have the funds with documentation to back it up. They simply state no record. Anyone with reasonable intelligence would conclude some impropriety has occurred. Please find a definitive answer other than " Who Knows ''/ sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Ability XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
As of XX/XX/XXXX I contracted a loan with One Main Financial Company in addition to the loan I was offered an additional product - Involuntary Unemployment Insurance I agreed to additionally protect my future payments against involuntary unemployment. As of XX/XX/XXXX I was unfortunately laid off by my company. I wanted to utilize my insurance but I was denied my claim from insurance company. XXXX XXXX XXXX through One Main Financial informed me that I am not eligible for this coverage. They pointed out I should have been insured as of XX/XX/XXXX ( a year before I contracted a loan to be eligible ). An agent of One Main Financial, who sold me the loan and this faulty insurance product, did not inform me about this alleged provision. I consider the whole situation as deeply unfair and I feel deceived by the One Main Financial and the XXXX XXXX XXXX. I was paying insurance premiums throughout my whole employment period hoping that in case anything happens to my employment I will be able to utilize the insurance policy and insurance company will take over installment payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: SC

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 2023-07-05 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX Amex enrolled me into the following offer The offer to receive an annual statement credit is only available to Corporate Card Members who apply for a new eligible Personal Card. However, as a valued Card Member, we are able at this time to extend this offer to you as a courtesy for your existing Personal Card account. There are additional offer terms that I will now read to you. 
With this offer, you will receive an annual statement credit of {$150.00} for Platinum in each year that you maintain both your current Platinum Account and your current Corporate Card account. The annual statement credit will be posted to your Personal Card account within 8-12 weeks after each anniversary date of your Personal Card Membership, starting after your next anniversary date. To be eligible for the annual statement credit, both your current Platinum account and Corporate Card account must not be cancelled or past due at the time a statement credit is posted. 

On XX/XX/XXXX, an Amex rep confirmed that I would receive the credit within 12 weeks of renewal. On XX/XX/XXXX I wanted to cancel my card but since I would receive a credit of {$150.00} on renewal, I decided not to cancel my card. On XX/XX/XXXX when I contacted Amex, the representative made up excuses for the missing credit. First he said that I didn't apply for a new card ( I pointed out that the rep enrolled me for an existing card ), then he said I didn't wait for 12 weeks ( I did ) and finally made up that XXXX XXXX XXXX cards are not Platinum cards and are ineligible. When asked why 1. The initial rep enrolled me into the offer even though it wasn't " supposedly '' a Platinum card? 
2. Where it said that it was excluded in the terms of the offer? 

the rep had no answer. He made up things like oh we see this only internally and XXXX XXXX XXXX is not a Platinum card ( even though Amex markets it boldly as " The Platinum Card from American Express Exclusively for XXXX XXXX '' at XXXX : XXXX I was escalated to someone claiming to be a supervisor but that person was worse than the non-supervisor rep. All that person did was tire me out by waiting 10s of minutes between responses and pasting the previous reps statements word to word or random boilerplate platitudes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for the platinum card and was temporarily denied due to a late payment. The late payment was the result of an ACH issue with XXXX and they provided documentation to explain why the payment was returned. I made a payment the same exact day for the amount due because of the mishap. 

I called customer service reconsideration to explain and tell XXXX the agent that I would like to be reconsidered. He said he didnt have access to help and he had to escalate the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: CA

Complaint narrative:
3 Credit hard inquiries that I did NOT authorize from XXXX 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 2023-07-06 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX 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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
We were trying to process a credit card payment, from XXXX ( XXXX ) for our business. Our client, who we have known for over 25 years, was using a Non USA Bank approved credit card. The amount was {$1400.00}. We were using 'Square ' for credit card payments, to accept for our business. We branched out on our own, and this same client, who we have dealt with for over 25 years, followed us, and was making a payment for a business order. Square requested name, address, phone number, email of our client, which we provided. They have now deactivated our account, but made the collection. Money has now been in their control for over a week! I called customer service, and apparently no one has called or verified our client, even though they have all the information. They are now telling us, they are holding funds for at least 90 DAYS! Why we asked, no response, it's their protocol. 
Is this legal? Money has been sitting in their account, and my client is waiting for delivery of their order. What are we suppose to do????????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I have sent westlake money because they are servicing a loan for American car center. They are adding extra fees and then payments haven't been applied to the account. I've tried contacting them about payments but they can never give me an answer and just keeps demanding extra payments. XXXX payments made in XXXX they claim they don't have. I sent {$400.00} XX/XX/XXXX, {$300.00} XXXX XXXX, {$250.00} on XX/XX/28, XXXX XXXX. A couple of payments are on a card i no longer have access to. This company is constantly harassing me calling from different numbers over XXXX times day and constantly sending emails. I was paying because i was afraid of losing my car but i refuse to keep being harassed by a company that i dont have contract with. They also took it upon themselves to pull my credit without my permission. Something needs to be about this company. I also let them know my signature was forged on the paper work and no one seems to care. They are also calling from local numbers to disguise who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-07-05 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: CA

Complaint narrative:
On Friday XX/XX/XXXX a consulting client requested if she could pay me with her credit card via PayPal a total amount of {$6000.00}. I own a consulting company and we're managing a project for her team. This was a payment for independent contractors on the contract. She requested I send a request being that she could not easily find my account because I do not use PayPal in general for business. 

I received the payments split in two installments. After being charged 3 % in fees I was charged another {$25.00} to direct deposit transfer. I attempted to transfer the remaining {$1300.00} but the system said I was over my weekly limit. 

I left this alone and waited until the next day. Only to find out my account was blocked due to violation of the user agreement. In return I : 1. Reviewed the entire user agreement and found no violations on my part 2. Called the PayPal customer service requesting to file an appeal and find out why this happened. 
3. I was assured by the agent I would hear back from them in 3 days. 

I called today XX/XX/XXXX, close to XXXX and was able to connect with an agent. He explained the following : 1. My account was reviewed on the 2nd and finalized. 
2. They would hold my funds for 6 months 3. I could not refund the funds back to my client 4. They could not and would not tell me what the violation on the agreement was 5. I had no recourse to defend myself or provide any additional information that may clarify the issue itself 6. I was informed that it was a risk issue I explained on that call that : 1. I was not selling on PayPal, a client requested that I receive her payment through Paypal because she was going out of town and could not get to her bank branch in time. 
2. These funds are meant to pay contractors working on a contract for my company. 

The agent apologized profusely and was transparent enough to share that there is intentionally no disclosure of the issue by the company and there is no recourse to me as a client to defend myself or overturn their decision and treatment. Not too mention I was permanently banned from using the service. 

They are currently holding {$1300.00} in the account which is needed to pay independent contractors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items on my report that your agency didn't make sure it was reporting 100 % accurate. 


XXXX XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in Transunion, XXXX, and XXXX. First Flaw is the account status which differs from the XXXX and XXXX report ( Paid ) from the Transunion report ( closed ). Second Flaw is the date account opened which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Transunion report ( XX/XX/XXXX ). Third Flaw is the Last day reported on the account which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). XXXX XXXX is the Last day Active report which differs from all three credit reporting agencies in XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) report from the Transunion report ( XX/XX/XXXX ). Final Flaw reported was the date of last payment reported which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). 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 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.

These inaccuracies have done a toll on my mental health and m mental well being and I demand they be removed off my credit report seeing as the account is now closed and the information is still 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 2023-07-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am the writer of this complaint and I found some inaccurate and incomplete information on my credit report. Aren't the CRA 's required by law to conduct a thorough investigation and DELETE all inaccurate info? I have attached letters and my ID and SSC to verify my ID

Company response to consumer: Closed with explanation