vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 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: IN

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of 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 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 2023-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I had a mortgage with wells Fargo and unfortunately Lost the home during that period I applied for many loan modifications and worked tirelessly with the company to try to save my home at the end it was sold on short sale. I saw on the news about wells Fargo owning people Like me money I called the company and they keep telling me they have no records of my mortgage which I find odd its been 7 years and I dont have any records from that such as my loan number. I feel with my social security number they should be able to locate my 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 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing to dispute an account that is inaccurately showing up on my credit report. The account in question is not mine and I have never been associated with it in any way. I have checked my records thoroughly, and I can confirm that I have never opened an account with the creditor in question or made any transactions with them. 
The creditor is LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX 
And the balance is XXXX I believe that this account has been mistakenly attributed to me and is causing a negative impact on my credit score. As per the laws, it is the responsibility of the credit reporting agencies to ensure that their reports are accurate and up-to-date. I request that you take immediate action to investigate this matter and remove this account from my credit reports. 

I understand that under the Fair Credit Reporting Act, I have the right to dispute any inaccuracies that may appear on my credit report. I am exercising this right and request that you provide me with a written confirmation of the outcome of your investigation within 30 days. 

I would also like to request that you provide me with the name and contact details of the creditor in question. This will enable me to contact them directly and request that they correct their records. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: NY

Complaint narrative:
Dear PayPal Customer Service, I am writing to appeal the permanent limitation on my PayPal account, which I believe was placed in error. My PayPal account email address is XXXX Firstly, I strongly believe that this limitation was placed in error, as I have not violated any PayPal policies. I have always used my account in accordance with PayPal 's terms and conditions, and I have never engaged in any fraudulent or illegal activities. Therefore, I respectfully request that PayPal re-examine my case and consider restoring my account. 

Secondly, I would like to emphasize that I have always complied with PayPal 's policies and guidelines. I have never engaged in any activities that would warrant a permanent limitation on my account. I have always provided accurate information and have always conducted my transactions in good faith. As such, I am deeply troubled by the limitation placed on my account and would like to ask PayPal to review my account history to confirm that I have always been a responsible PayPal user. 

Lastly, I would like to request that PayPal re-investigate my case and consider restoring my account if possible. I value the services that PayPal provides, and I would like to continue using them in the future. Therefore, I would greatly appreciate it if PayPal would reconsider my case and restore my account. 

Thank you for taking the time to review my appeal. I look forward to hearing back from PayPal soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022 I submitted a dispute concerning reporting of all three credit reports not showing on my XXXX account. I was unable to see all three because of information not matching on the reports. I was told to fax over information from both XXXX and Transunion showing the most recent reports and to send over personal documentation. I have done so a week later. I am still til this day not able to see all three reports on my XXXX page. I would like to get this matter resolved as I have done all I was instructed to do on my behalf. Please assist in helping me be able to see my reports. The complaint numbers for each bureau are as follows : XXXX- XXXX, XXXX- XXXX and Transunion- XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2022 I submitted a dispute concerning reporting of all three credit reports not showing on my XXXX account. I was unable to see all three because of information not matching on the reports. I was told to fax over information from both Equifax and XXXX showing the most recent reports and to send over personal documentation. I have done so a week later. I am still til this day not able to see all three reports on my XXXX page. I would like to get this matter resolved as I have done all I was instructed to do on my behalf. Please assist in helping me be able to see my reports. The complaint numbers for each bureau are as follows : XXXX- XXXX, Equifax- XXXX and XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: LA

Complaint narrative:
XXXX XXXX Last 4 of XXXX XXXX & XXXX XX/XX/XXXX Credit Bureau XXXX XXXX Experian XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$4000.00} with 1 month term Experian and XXXX just show open account no status with no term balance XXXX National CREDIT system, opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies Experian shows payment history within the last 24 months account is reporting payment history each month when it should not since the account has been closed. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately XXXX shows no payment history within the last 24 months I am Also adding I have never signed a contract of one month with this creditor which is also in violating 15 usc 1681 FCRA laws states the creditor has 30 days from the original date of dispute to provide the original contract with a signed handwritten signature I have yet to receive the contract with my hand written signature This agency has no right to try to collect a debt I am demanding 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 explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX I applied for a loan using XXXX XXXX and XXXX XXXX links. I received and email beuling approved for {$4000.00}. Provided my banking information and Driver 's license. Was provided approval letter and asked to sign agreement. Was told they had to verify my banking information for deposit and payment. Then was given excuse they were having trouble and they would try again later. I never received the funds promised. XXXX XXXX is the loan associate direct line is XXXX. The loan officer was XXXX XXXX. I haven't heard from them on explanation. the loan application number is FL XXXX XXXX at 7 % APR..I never received the funds in my bank account as promised.

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 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wish to practice my right as a customer of Wells Fargo to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with WELLS FARGO. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to WELLS FARGO respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of WELLS FARGO to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. 
During the complaints process with WELLS FARGO, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.

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 2023-05-10 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: TX

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, 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 2023-05-10 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: LA

Complaint narrative:
XXXX XXXX Last 4 of XXXX XXXX & XXXX XX/XX/XXXX Credit Bureau XXXX TransUnion XXXX XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$4000.00} with 1 month term XXXX and Transunion just show open account no status with no term balance XXXX National CREDIT system, opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies XXXX shows payment history within the last 24 months account is reporting payment history each month when it should not since the account has been closed. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately Transunion shows no payment history within the last 24 months I am Also adding I have never signed a contract of one month with this creditor which is also in violating 15 usc 1681 FCRA laws states the creditor has 30 days from the original date of dispute to provide the original contract with a signed handwritten signature I have yet to receive the contract with my hand written signature This agency has no right to try to collect a debt I am demanding 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 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Debt collector contacted me for the first time regarding eviction judgements sent over to them for collections. Immediately was threatening wage garnishment for 2 seperate judgement orders. When asked about the statute of limitations she just began threatening to renew the judgement in 10 yrs and saying i would not be able to challenge the wage garnishment order through the courts if i dont voluntarily pay. Never received any information regarding this debt before this first call made on XX/XX/XXXX. She gave an amount of debt ive never heard of before and continued to say they'd charge more in lawyer and court fees. The collection listed from XXXX is time-barred due to the debt collector attempting to collect XXXX past the statute of limitations for the state of arizona. The debt listed in XXXX would be time-barred in XXXX of XXXX for XXXX. 
US COLLECTION WEST IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: KEYCORP
State: OH

Complaint narrative:
Upon further review it has come to my attention that I have been victimized by identity theft. I never authorized these transactions and what is reflecting on my end is inaccurate. Please contact the vendors and investigate such occurrence. I am requesting that collection and reporting efforts cease expeditiously.In addition, as a part of your investigation, please send the names, business address and phone numbers of those who made unauthorized purchases so i may contact them directly! I sent them a copy of the police report from the XXXX XXXX Sheriffs Office in conjunction with my dispute letter and lastly my identification theft report with the Federal Trade Commission. Also,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 financial institution/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