vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Credit acceptance is the company that I lease a car with back in XXXX. I voluntary gave the car back because I could not handle the loan and they have not updated the balance on my credit report with the actual balance that is owed after the vehicle has went through the auction. They charge high APR rates and leave their customers to struggle.

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 2023-03-15 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: MI

Complaint narrative:
The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Need to be deleted from my credit report. 
Are fraud and should not be showing on my credit report I was XXXX  in XXXX XXXX during these accounts. The CRA XXXX, XXXX, TRANSUNION has continued to violate the following FCRA laws that state the following 15 USC 1681 9D ) ( 2 ) ( A ) ( I ) States that a transaction between the consumer and the person making the report should be excluded from your credit report 15 USC 1681 2 ( 7 ) ( E ) states that nothing under the FCRA requires a financial institution to furnish negative information to a consumer reporting agency. and is required to furnish accurate information. 
The following XXXX XXXX accounts shows dates XX/XX/XXXX on Transunion and on XXXX and XXXX showing XX/XX/XXXX as dates opened inaccurate information. Date last reported XX/XX/XXXX Transunion, XXXX and on XXXX showing XX/XX/XXXX. 
These accounts are FRUAD and need to be removed 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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Need to be deleted from my credit report. 
Are fraud and should not be showing on my credit report I was XXXX  in XXXX XXXX during these accounts. The CRA XXXX, EXPERIAN, XXXX has continued to violate the following FCRA laws that state the following 15 USC 1681 9D ) ( 2 ) ( A ) ( I ) States that a transaction between the consumer and the person making the report should be excluded from your credit report 15 USC 1681 2 ( 7 ) ( E ) states that nothing under the FCRA requires a financial institution to furnish negative information to a consumer reporting agency. and is required to furnish accurate information. 
The following XXXX XXXX accounts shows dates XX/XX/XXXX on XXXX and on Experian and XXXX showing XX/XX/XXXX as dates opened inaccurate information. Date last reported XX/XX/XXXX XXXX, Experian and on XXXX showing XX/XX/XXXX. 
These accounts are FRUAD and need to be removed 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 2023-03-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXXXXXX XXXX  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 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I filed a dispute for an item I did not receive. The disputed amount was for {$100.00}. Instead of investigating my dispute, Wells Fargo closed my dispute, citing an entirely separate transaction for the amount of {$100.00}. It's plainly clear from my statement that these are two different, and unrelated, transactions.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive Mailed in numerous dispute letters letting the XXXX bureau know the inaccuracy of my report. They updated my account to verified status for these two collections accounts. I requested method of verification and they never sent me anything telling me how they verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been almost three months now and still no method of verification for these accounts.

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 2023-03-15 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: NJ

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

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 2023-03-15 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: NY

Complaint narrative:
Fraudulent accounts appearing on my credit report all Accounts are listed below. 
1. Us Dept Of EdXXXX {$4300.00} 2. Us Dept Of EdXXXX {$4100.00} 3. Us Dept Of Ed/XXXX {$3200.00} 4. Us Dept Of Ed/XXXX {$3000.00} 5. I XXXX XXXX XXXX {$840.00}

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 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received an email from BJ 's Comenity about an amount due, about {$81.00}. But I never used the credit card. When I called the company, Comenity, the IVR said I didn't have a balance. But when I asked to speak to a CSR, I was told I had an {$8000.00} balance.

When I asked to speak to the fraud unit, " Asset Protection, '' I briefly spoke to someone, but the call was disconnected. I called back several times, on different days, but I was on hold for nearly an hour and no one ever answered. 
I reached out to XXXX, and the FTC. 

To date, I still keep getting billing notices from Comenity, now XXXX XXXX has taken over Comenity 's accounts. I acted promply and have been trying to let the card company know this is an identity theft matter. 
I had received an email around that same time, asking for some kind of payments. I believe I contacted the FTC and sent a copy of the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: IN

Complaint narrative:
So I sent a letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights

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 2023-03-15 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: IN

Complaint narrative:
So I sent a letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/2021 there was an unrecognized charge on PayPal synchrony credit. Immediately I called as this was fraud. I also called the company. I also reported identity theft to the police at a report was made case number given over the past 18 months PayPal credit has been telling me this has been resolved that Ill get a bill the next month where its not resolved, and Ive been charged interest. I get calls constantly about this and then they tell me that it has been resolved that I get another bill for 18 months. This is been going on and it caused me severe stress as well as hours and hours on the phone. PayPal credit are harassing me. Severely where Ive had to seek help please make them stop. It is clear I did not make the charge its resolved, and then the same thing comes up again and again.

When I was billed for the interest that accrued on this fraudulent charge, I made sure that it wasnt just showing this because it was under investigation. Every PayPal credit agent states that this has been resolved, Synchrony, some agents state that yes, it was resolve some say no. They are driving me crazy to tears. Ive had to seek counseling over this. And when youre asking about someone spouse there is not an option there to say that you are now widowed. But I do know this that no company should be allowed to do this to a person.

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 2023-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me.I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of 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 non-monetary relief
Consumer complaint received 2023-03-15 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: NY

Complaint narrative:
Name - XXXX XXXX XXXX Account number- XXXX XXXX XXXX XXXX XXXX  This account was disputed before and after payment to the collection agency with no problem being resolved. This account is being reported in error on multiple CRA 's. According to the FCRA 611 subsection A, Chapter 1 ; A bureau re-investigation is in order whenever a dispute is returned as validated without a correction being made. 
This account is being reported as having multiple late payments on the XXXX credit report, yet on XXXX as a collection it states this account never missed a payment. Then on Equifax, this account has multiple months of missed payments not being reported which according to the FCRA 611 ( 15 U.S.C. 1681I ) chapter 5 section A, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information if found to be inaccurate, incomplete or unverifiable it must be promptly removed.

According to 609 Disclosures to consumers [ 15 U.S.C. 1681g ], Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This account is not being reported accurately across all three CRA 's and asking for it to be promptly removed due to the length of time these inaccuracies have been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Subject : : - - Dear PayPal Executive Escalations, : -,. 

I want to bring to your attention that on,, XXXX XXXX from Executive Escalations partnered with PayPal Risk after my ( " '' ) for the Consumer Financial Protection Bureau ; Complaint No : -. As I informed them that my identity has been stolen and is now being used to circumvent PayPal, I stated that I have only one valid PayPal account under my valid emailXXXX XXXX I also advised that any other accounts are not mine and should be reported as unauthorized accounts. 

XXXX assured me in his response that PayPal Risk will complete their review within 7-10 business days and let me know the outcome of the case. He quoted the following in his response, ",,. '' I am pleased to inform you that on //, PayPal Risks completed their review and the case was found in my favor. I have enclosed a to support my claim result. However, ( : - ),. 

Furthermore, I have advised in my complaints several times that I have not submitted any invalid or altered documents. In fact, any documents based on invalidity and alteration must be discarded as I have not submitted those. The documents were due to additional unauthorized PayPal accounts being created without my authorization. 

I want to bring to your attention that I have enclosed my valid Photo ID several times during the complaints, but it appears that it has not been taken into consideration. As a sign of good faith and cooperation, I have enclosed my within this complaint response. I hope that PayPal will now closely consider my request and make a professional decision that will help me. 

I must also mention that I sent an to follow up with XXXX XXXX regarding the claim update on XXXX, but I am yet to receive a response. With this being said, I again respectfully request your assistance in restoring my account balance, as I have been proven innocent, and restoring my account access, as PayPal Risks have already closed the case in my favor. 

In conclusion, I appreciate your time and understanding in this matter. I remain hopeful that PayPal will rectify the situation promptly, and I can access my account and funds as soon as possible. 

Thank you for your attention. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 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

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 2023-03-15 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:
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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:
Dear Agency, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. 

I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2023-03-15 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: NJ

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I need late payments removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I need late payments removed from my credit report

Company response to consumer: Closed with explanation