vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 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: OH

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the account type is inaccurate, the date opened and last active are both inaccurate, date last reported is inaccurate, and also the payment status as well. I attached a file of my credit report to this complaint. This grounds for removal, they also violated my rights under..

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX. My XXXXXXXX  XXXX XXXX XXXX was an account holder with Wells Fargo bank. She passed away on XX/XX/2022. I went into a branch location and spoke with a XXXX in XXXX XXXX, XXXX. I went in to close the account and XXXX notified me that there were ATM withdrawals from my mothers account days after her death. We filed a fraud claim. I called Wells Fargo and they told me the claim was denied. Someone correctly guessed her PIN number, or found it written down somehow and since they correctly used her pin, they are assuming she gave permission. I know for a fact she did not want anyone using her funds. She is no longer here but I am her only child. I do not think how Wells Fargo is handling this is fair. It was an unauthorized withdrawal.

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 2022-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Lowes stated that my payment bounced back due to not being able to find the account. This was the same account i used for previous payments and later on payment. Then they started adding on late fees but did not alert me to the missing payment. Then they hid the fees from me. When i would go to their website it would give me the option of the minimum payment of {$40.00} or {$45.00} and again still not showing that a payment was missed or a late fee was added. 

This went on for XXXX months until i started looking at my statement. On the XX/XX/2022 statement it shows the return of the payment but without an explanation or an alert to what was going on. Again after this date i was still given the option of making the minimum payment while they again charged me a late fee. 

On XX/XX/2022 i attempted to contact lowes credit and was only given the option on chatting with a computer or a live person. during the live chat i was passed around to XXXX different chat people. i asked multiple times for a phone number and was not given the number. it was not until i said i was filing a complaint i was given the number to talk to a real person. 
With only one fee reduced i was required to pay the full amount without any help. I feel i was mislead and fees where hidden so that other charges could add up When i was able to talk to a real person it was given the same story and run around.

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 2022-07-25 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: AL

Complaint narrative:
I sent a letter to XXXX XXXX XXXX asking for a copy of the ORIGINAL Contract with all parties involved signatures and gave them 14 days to do so. If they were not able to provide me with the contract, I requested that they cease and desist all collection activities, including reporting to all consumer reporting agencies/credit bureaus. I also promptly requested deletion of any and all prior reporting that was made to all consumer reporting agencies/credit bureaus along with a copy of the letter sent to the reporting bureaus. XXXX XXXX XXXX refused to do so. Instead, they sold the account to XXXX XXXX XXXX. I will be sending the same letter to XXXX XXXX XXXX. I DO NOT have a contract with XXXX XXXX XXXX, nor do I have a contract with 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 2022-07-25 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: AL

Complaint narrative:
I sent a letter to XXXX XXXX XXXX asking for a copy of the ORIGINAL Contract with all parties involved signatures and gave them 14 days to do so. If they were not able to provide me with the contract, I requested that they cease and desist all collection activities, including reporting to all consumer reporting agencies/credit bureaus. I also promptly requested deletion of any and all prior reporting that was made to all consumer reporting agencies/credit bureaus along with a copy of the letter sent to the reporting bureaus. XXXX XXXX XXXX refused to do so. Instead, they sold the account to XXXX XXXX XXXX. I will be sending the same letter to XXXX XXXX XXXX. I DO NOT have a contract with XXXX XXXX XXXX, nor do I have a contract with 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 explanation
Consumer complaint received 2022-07-25 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: CA

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX 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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payments made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$36000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$15000.00} XXXX XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$26000.00}

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 2022-07-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already made a formal request to the credit bureaus to block or remove all erroneous and fraudulent information. However, the request was never granted, and no comment was ever provided by the agencies involved. Now, I'd like to ask for your assistance in order to get rid of these items and make the credit bureaus inform me about the issue. Here are the issues that concern me : XXXX XXXXXXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : 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 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
XX/XX/XXXX - I accumulated a debt with my HOA. This Attorney firm negotiated a settlement and I paid it in full. The agreement was they would remove the liens that they placed on my home. They did not remove all of the liens until XX/XX/XXXX. This was after months and weeks of being ignored and my requests went on without action. This caused me stress and a higher interest rate on my refinance. 

XX/XX/XXXX - I found 4 unexplained charges on my account. I advised the HOA I would pay the account in full but not until these charges were fully corrected as they were for payment processing charges. I did not make any payments so therefore how am I being charged for a payment processing? I also advised them that I would not be making any payments until the liens were removed from my home for a debt that had been paid off well over a year prior. 

XX/XX/XXXX, XXXX XXXX and XXXX reached out to via letter. They back dated the letter and provided a certified mail number on the letter for XX/XX/XXXX. Stating that I had a balance of {$5000.00}. I disputed this amount as it is NOT accurate. according to my records I owe them {$4500.00}. 

Today XXXX XX/XX/XXXX They sent and email that they have forwarded to my mortgage company stating that I owe them {$7100.00}. They added additional attorney fees and worded the totals make it justifyable based on my HOA contract. It is also my understanding they have placed a LIEN on my home. 

This is a violation of my rights under the fair debt collection practices act. They did not provide me with 30 days to validate the debt. They did not send a letter or certified mail. I have a copy of the letter receipt notice from the USPS. I do not owe this amount. This group identified themselves as a collection agency. Therefore they must act according to the law and not dismiss my rights as a consumer. Additionally, when I paid the account off. They should have removed the liens off my property as they had no legal right to leave them on my property. Last, I have taken every measure that I can think of to have the correct balance paid in full. I have been ignored, gaslighted and toyed with over a serious matter. I am seeking help and any punitive damages possible to compensate for this unlawful group of collectors. It is not right to take advantage of consumers just because they can.

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 2022-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I went to.apply for a card and it ran multiple times Capital One

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 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: OH

Complaint narrative:
i have tried to dispute XXXX  times the company have no proof the account is mine no proof of my signature or proof that i owe this account

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 2022-07-25 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 XXXX  Account # XXXX | XXXX  Account # XXXX | XXXX  Account # 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 an account without my written instruction.

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 instruction.

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 2022-07-25 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: AR

Complaint narrative:
I HAVE FILED DISPUTES AFTER DISPUTES FOR A VALIDATION NOTICE AND I CONTINUE TO GET THE SAME RESPONDS AND THEY ARE REPORTING IT AS ACCURATE INFORMATOION BUT NOT REPORTING HOW THE INFORMATION WAS OBTAINED I HAVE SUPPLIED A LETTER FROM THE ORIGINAL CREDIOTR SAYING THEY DO NOT REPORT TO THIRD PARTIES AND THEY STILL WILL NOT REMOVE THE ENTRIES FROM MY CREDIT REPORT CAUSE THEY ARE NOT RECEIVING THE INFORMATION FROM THE ORUIGINAL CREDITOR. 
SO IN THE LETTER THEY ARE SENDING STATING ITS XXXX INFORMATION WHERE IS THE VALIDATION OF THE ENTRIES AND WITH WHOM WAS IT VERIFED WITH AND WHAT IS THERE POSTION ADDRESS AND TELEPHONE NONE OF THAT IS INCLUDED IN THEIR RESPOND.

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 2022-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am a user of the Venmo mobile payment system. I was using the system in connection with my role as a XXXX for the senior graduation party ( referred to as " XXXX '' for XXXX XXXX XXXX ) at my son 's high school. 

Many of the parents were sending me money for the party via Venmo, and I, in turn, was sending it on to the treasurer of the event whose Venmo account is @ XXXX. 

On XX/XX/2022 ( the night of the party ), at XXXX XXXX, an unauthorized transaction from my Venmo account in the amount of {$1000.00} was sent to @ XXXX with the notation of " XXXX ''. I noticed this unauthorized transaction on the morning of XX/XX/XXXX, and immediately contacted Venmo. I was advised by Venmo that my account would be frozen ( which it was and has been ) and they would research the situation and get back to me with a resolution. 

Despite emails to the contrary, nobody from Venmo followed up with me. As such, my husband called Customer Service on my behalf, on or about XX/XX/2022 and again made Venmo aware of the situation. A provisional credit of {$1000.00} was issued ( properly ) at that time, though the access to my account ( and thus the credit ) remained frozen. 

Shortly thereafter, and with no explanation or discussion with me or anyone else to my knowledge, Venmo concluded its inquiry, determined that the transaction was not unauthorized, and took back the provisional credit. There was a reference to " documentation '' used in making its determination, but all that was provided was a screen shot of transactions ( which I have attached ). I note that @ XXXX did not show up as a Venmo account on XX/XX/XXXX when I discovered the transfer, nor do I believe has it been accessible since that time ( suggesting that it was a fraudulent account ). 

I have continued to try to resolve the issue with Venmo, have made them aware of their obligations under Regulation E and the Consumer Finance Protection Act and in response, all that I have received is form responses from " Team Venmo '' suggesting that I file a police report and other reasons that they can not research the matter or return the money taken from my account by a fraudster. Clearly they have information on @ XXXX that I do not, and it should have been as easy as investigating that account for fraudulent activity, but instead, Venmo has not complied with its obligations under federal law and instead given me the run around. I am still out the {$1000.00} as of course I needed to make good to the treasurer and remit the funds that I received properly from parents. 

Thank you for your anticipated cooperation. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My XXXX state tax refund was deposited into a Wells Fargo bank account. This is account is not mine and I never had a Wells Fargo account. I believe who ever the account was has taken my tax refund. I did not give permission to have my tax refund deposited into this account. The refund was deposited into this account around XX/XX/XXXX. The bank will not give me any information on how to get my money back.

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 2022-07-25 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer for 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 non-monetary relief
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

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

Company response to consumer: Closed with explanation