vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 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: Experian Information Solutions Inc.
State: FL

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


15 U.S.C 1681 section 602 A. States I have the right of 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 1666 B. A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-02-05 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: KY

Complaint narrative:
Dear Paypal Executives, I feel frustrated and powerless with the bad experience I've had when contacting a PayPal agent in XXXX. 
These people are dedicated to extorting customers with falsehoods and slander, damaging customer accounts. 
The Agent named XXXX from the call center in XXXX, I spoke at XXXX XXXX, placed a permanent limitation on my account in an abusive and arbitrary manner. 
Reference ID : XXXX XXXX I needed help resolving a payment I was trying to process and the system wouldn't let me. 
The agent XXXX did not pay attention to my request and arbitrarily he said that the account should be limited. 
I felt so scared and decided to withdraw my money before he limited the account. 
Before XXXX XXXX  my account was perfectly fine. 
XXXX XXXX from the call center in XXXX should not work at PayPal, they are people who do not work for the client. 

Please request the executives to take action on this character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: CO

Complaint narrative:
On XX/XX/XXXX, we received an alert that our account had a balance of {$13.00} and given the fact that my husband and I just had direct deposits that were made we knew immediately there was a problem. We called the XXXX number located on our card to ask the situation and we were told that there were several on-line transactions made. I got on-line to look at our account from my phone while on the phone with the Wells Fargo representative . The presentative was hard to understand as she had a very thick foreign accent and my spouse in the background was also trying to speak at the same time. Needless to say, we both were in a panic our entire account balance had been drained. We told the representative that there were several transactions that were not ours. However, upon further review we found that 2 transactions that we had reported false were in fact our charges and were legitimate. We also stated that the card was in our possession which it was and still is. However, all of the illegal or false charges were on-line charges made with a company in XXXX, IL and all within a 30-minute period in increments of XXXX and XXXX until our account was finally drained and leaving us a mere {$13.00}. While these charges were still showing as pending and within hours of them being made, we called Wells Fargo and said these were not made by us. Fast forward to XX/XX/XXXX and Wells Fargo has denied our claim and said they will not be returning the money given our past spending habits. The argument can be made that yes, we make several on-line purchases, but never once have we ever purchased gift cards and again did not make these purchases on-line or otherwise.

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 2023-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
To whom this may concerns ; I really need your help and do want to complain Shellpoint Mortgage. 


The Shellpoint Mortgage is the old company that we loaned with them. 

I have refinanced my house on XX/XX/2022. 

But they have an escrow balance that they need to give it back to me which the amount is {$2700.00} when closing. 

But until now, I have never get my money back yet. It is almost a year that they keep my money with them. 

I have tried to call them so many times for a long time. 
It always went to automatic answering. 

But last time I called I could talk to XXXX, a representative who answer my call, he told me that he will find out what going on and he will call me back before XXXX XXXX. 

For now, nobody contact me back yet. 

Thank you very much for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have made multiple attempts to challenge this account, however it has been repeatedly re-added to my record, despite previous deletions by other agencies. This situation is causing me both emotional and financial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made multiple attempts to challenge this account, however it has been repeatedly re-added to my record, despite previous deletions by other agencies. This situation is causing me both emotional and financial distress.

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 2023-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022, I opened a Citi Priority Package ( checking + saving ) account and deposited a combined total of $ XXXX. I fulfilled the requirement of keeping the funds in the account for XXXX consecutive days. According to the agreement, I was supposed to receive a {$750.00} bonus within XXXX  days, which should have been no later than XX/XX/2022. However, I have yet to receive the promised bonus. Unfortunately, this is my second time experience the exact same thing with Citi, they just want to take your money for as long as they could without giving any bonus.

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 2023-02-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
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 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 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I file a disputed in regard to in correct items that on my credit report. it has been well 30 days. I haven't receive investigation result.

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 2023-02-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom this may concern By the Fair Credit Reporting act. The list below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : its 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 then records of convictions of crimes which antedates the report by then 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account # XXXX Date opened : XXXX XXXX XXXX Last activity : XX/XX/ Original creditor : XXXX Status : closed Balance : XXXX  In accordance with Fair Credit Reporting Act XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A .states I have rights 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 explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
On XXXX of XXXX  made an online purchase for sneaker at XXXX XXXX XXXX with shop affirm payment option to pay every month. The company closed its door and never sent the order but took money from Affirm. Shop Affirm took the 1st payment of {$26.00}. on XX/XX/2022 has been trying to take payment every month. The company did not cancel the order or send the funds back to affirm I have called shop affirm about this issue and they stated its nothing tht they can do but I dont understand why do I need to pay for the order I didnt get. I looked the company up on the XXXX  and they have a lot of complaints about them not sending the orders. The company I ordered from was XXXX XXXX XXXX I set up a payment plan with shop affirm to make payment every month. Went on their XXXX  page and the owner stated no orders will be sent out all orders are cancel. I did move research and found out the owner first name is XXXX. I have left messages and sent emails nothing no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
1st Franklin Financial Corporation of XXXX XXXX XXXX, XXXX XXXX, XXXX, Ga XXXX filed a lawsuit against me after sending notices to an incorrect residential address that I do not and have never resided at, as well as having the lawsuit filed against me include the same incorrect residential address. This incorrect residential address was also reported to all three credit bureaus and has caused my credit score to drop significantly due to not being properly notified prior to filing the lawsuit. I also have proof of 1st Franklin Financial Corporation of XXXX XXXX XXXX, XXXX XXXX, XXXX, Ga XXXX having knowledge of my correct residential address due to a letter of acceptance of a loan being sent to my correct residential address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: GA

Complaint narrative:
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 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 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 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.

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 2023-02-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 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 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 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.

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 2023-02-05 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX i notice s0me unauthorized inquires on my Transunion Credit report i called Transunion and talked to a Agent and disputed these Inquires but it came back verified, these are are fraud inquires did not do them 4inquiries These lenders have accessed your credit file : XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX date XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 1public 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 non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Midland Credit Management XXXX for account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. I have no knowledge of this account. Unauthorized opened account. To date, Midland Credit Management Collection is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation