vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes and FTC regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
They tried keep my money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I owe a bill with XXXX XXXX I was paying on time until I was unable to pay and I called to tell them and agreed to pay when able. I couldnt pay cause my mom was losing her house and went into ICU do to XXXX XXXX. They put it on my credit report anyway. Someone served me papers during Covid at my home. and I called the rep. and they said it was paused. I told the rep I will pay, but was on XXXX and wasnt working. Now I have a judgment filed against me without them even reaching out to me. I just talked to a rep. last month and I agreed to pay what I owe. She told me that would not work for them. Now I have this judgment. This is not right. After covid they are bullying me when I kept in contact the whole time. They lied to me. I just started back working the end of XX/XX/2022. My house note is XXXXmonths behind and doing my best to catch up. Please see attachment for date and amount. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
An account was sent to collection in my name with fraudulent charges at at time when I was a victim 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 explanation
Consumer complaint received 2022-12-20 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XX/XX/XXXX {$860.00} XXXX XX/XX/XXXX {$660.00} XXXX  XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX  XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX XX/XX/XXXX {$620.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$160.00} XXXX  XXXX XX/XX/XXXX {$82.00} XXXX & XXXX XX/XX/XXXX {$770.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$6300.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, There are late payments on my credit report. According to law, I am a consumer. Under federal law this violates my rights and should not be placed on my consumer report. 

The list of accounts is in clear violation of the law, XXXX XXXX Acct # : XXXX, XXXX XXXX Acct # : XXXX has violated my rights. 

15 USC 1681b- Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 USC 1681b ( a ) states - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( 2 ) states - In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, The FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) states report containing information solely as to transactions or experiences between the consumer and the person making the report.

CONSUMER REPORT - ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

PERSON - ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

This is against the law to be reporting late payments on my consumer report, please DELETE the above late payment from my consumer report, this agency is in violation of 15 USC 1681 ( 2 ) ( A ) ( i )

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 2022-12-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, There are late payments on my credit report. According to law, I am a consumer. Under federal law this violates my rights and should not be placed on my consumer report. 

The list of accounts is in clear violation of the law, XXXX XXXX Acct # : XXXX, XXXX XXXX Acct # : XXXX has violated my rights. 

15 USC 1681b- Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 USC 1681b ( a ) states - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( 2 ) states - In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, The FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) states report containing information solely as to transactions or experiences between the consumer and the person making the report.

CONSUMER REPORT - ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

PERSON - ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

This is against the law to be reporting late payments on my consumer report, please DELETE the above late payment from my consumer report, this agency is in violation of 15 USC 1681 ( 2 ) ( A ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened an account with Wells Fargo in XXXX Texas I then received a check from Wells Fargo bank and they deposited into my account knowingly that it was a scam and fraudulent however they charge my account took my direct deposit from my XXXX to pay that off and the check was from their company on one of their accounts and they fraudulently scan me out of money

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
2019 XXXX i lost access to an account with more then XXXX dollars this account went missing the money as well. 

the company create a new account months after creating a debt. through their partners. 

while homeless i have been robbed and lost access to my accounts. 

company seems to block all assets in retaliation to a XXXX $ charge. i requested to charge to be dropped. 

most charges a inflated by companies to create debts. 
the policy that seems to target consumers that are familiar with policy. in the nature of having supporting accounts with currency. 

with holding money or accounts effects how and if i am able to make money. 

the policy violates my rights to be able to function in the new infrastructures. 

technology devices have allow account to be compromised by consumers or foreigners. 

being under a certain amount of income i feel that its harm to my life if i am not able to access or be return my funds from my accounts. though i feel my information informs support of how to violate those policy and how much control consumers have over our money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I was approved for 18months forward Mortgage Payments from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. I had to file a complaint against my XXXX XXXX XXXX XXXX back in XX/XX/2022 because they were being delinquent in applying payments to my Mortgage per the XXXX award. Within in 24 hours of me filing the complaint payments began posting to my account. On XX/XX/2022 my Loan had been purchased by Newrez LLC. ACCT # XXXX. As of XX/XX/2022 Newrez has no information on the HAF award even though i have sent them the award letter. No XXXX payment has been made. Newrez advised me i have 60 days before i become delinquent. I do not understand why i should have to wait to be delinquent when they must have the Funds. Where would the funds be?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX continued. 

WF was ordered by https : XXXX to pay consumer over abuses. 

the facts in the matter are simple, WF fraudulently forced me to close on a loan that was upside down by a WF loan officer whom worker for a developer.

WF has played games and delay tactic and lied about assumptions that are not true regarding our mediation process and pre- mediation agreements that are pure fallacy. 

See all the prior complaints. 

In conjunction, I have filled a complaint with the State of Florida and XXXX. 

Please have WF settle the issues. 

Thank you.

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 2022-12-20 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: MS

Complaint narrative:
I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not belong to me. 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 explanation
Consumer complaint received 2022-12-20 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: MS

Complaint narrative:
I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not belong to me. 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 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a complaint against Wells Fargo for ALL of the things you have settled with them. They opened a credit card in my name that somehow maxed out at {$5000.00} and then refused to do anything about it and continue to report it on my credit report. 

They consistently charged me late fees and marked my payments as late for my car loan on a XXXX XXXX. 

They charged me overdraft fees even when my account had money in it. 

The worst of these was a combination where they would take my car payment out of my account, charge me an overdraft fee, then charge me a late fee for my car payment -- this was all done while my account had ample funds to pay the car payment.

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 2022-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX, transunion and XXXX XXXX. 
I had a loan for this Vehicle XXXX XXXX XXXX XXXX XXXX back in XXXX during XXXX ; Impound Company call me and let in me know that this Vehicle has a Lien and is going to give back to the Lien holder XXXX XXXX  ; the value of this vehicle it was Over XXXX XXXX XXXX  never contacted me about they have the Vehicle ; according with the Law ; i i have the right to receive a letter giving me the opportunity to paid off.Never happens they just put in my credit as a charge off for the full amount {$99000.00} ; remember the value of this car was over XXXX XXXX to be exact ... .where is the paperwork showing they sold at the auction by law ....! please help me ..... 



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 2022-12-20 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, Equifax, XXXX and XXXX XXXX. 
I had a loan for this Vehicle XXXX XXXX XXXX XXXX XXXX back in XXXX during XXXX ; Impound Company call me and let in me know that this Vehicle has a Lien and is going to give back to the Lien holder XXXX XXXX  ; the value of this vehicle it was Over XXXX XXXX XXXX  never contacted me about they have the Vehicle ; according with the Law ; i i have the right to receive a letter giving me the opportunity to paid off.Never happens they just put in my credit as a charge off for the full amount {$99000.00} ; remember the value of this car was over XXXX XXXX to be exact ... .where is the paperwork showing they sold at the auction by law ....! please help me ..... 



XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: TX

Complaint narrative:
Experian, XXXX, XXXX and XXXX XXXX. 
I had a loan for this Vehicle XXXX XXXX XXXX XXXX XXXX back in XXXX during XXXX ; Impound Company call me and let in me know that this Vehicle has a Lien and is going to give back to the Lien holder XXXX XXXX  ; the value of this vehicle it was Over XXXX XXXX XXXX  never contacted me about they have the Vehicle ; according with the Law ; i i have the right to receive a letter giving me the opportunity to paid off.Never happens they just put in my credit as a charge off for the full amount {$99000.00} ; remember the value of this car was over XXXX XXXX to be exact ... .where is the paperwork showing they sold at the auction by law ....! please help me ..... 



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 explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
After the attached were sent, I kept getting calls from Comenity asking if I'd like to pay the amount owed for both XXXX and XXXX bills over the phone. I told them every time, there is a dispute going on. See the page from the bank statement that the XXXX bill was not only paid, but it was received 2 days before the due date. I mailed in a check, but they posted it as if it was done through a clearing house so I'm not able to get a copy of the check. As for the XXXX payment ( which was for the XXXX and XXXX bills ), I mailed a check for the {$640.00} payment on XX/XX/XXXX and as of today, XX/XX/XXXX, my bank statement still isn't showing receipt of my check, I received my XXXX bill from them ( I haven't used the card since the XXXX charges ) and XXXX was just more interest, fees and service charges added on. 

Comenity took over the XXXX credit card account from Bank XXXX XXXX in XXXX and one of the reps that I have spoken to said that since the take over, there have been problems. Also, I received ( as I'm sure other cardholders did ) a letter from the President of Comenity saying there are " intermittent problems ''. This seems to be a problem from their side, but yet myself and I'm sure other cardholders are left with the burden to prove that bills were paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There was a checking account and savings with bank of america opened fraudulently on XX/XX/XXXX with my personal information. The checking account was closed with a negative balance of XXXX on XX/XX/XXXX the savings account was closed with a negative balance of XXXX on XX/XX/XXXX. There was also another checking account opened with bank of america on XX/XX/XXXX and closed on XX/XX/XXXX that is reporting on my XXXX XXXX  consumer report and the information is inaccurate the name does no match mine and the Social Security number does not match mine either. I only found out about this issue when I tried to open up a checking account and was unable to and was informed of the negative info on my XXXX  and XXXX XXXX  consumer reports. I have reached out to the financial institutions to resolve the issue but they have not been willing to help even though I have made them aware that the accounts reporting negatively on consumer reports are a result of fraud but they have not removed them from my 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