vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 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: IL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: Affirm Holdings, Inc
State: MA

Complaint narrative:
Late payment was reported 30 days late Greetings credit reporting agencies, I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 
Now, below are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is unacceptable and I would like action to be taken IMMEDIATELY in the works of fixing my consumer report! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express Card repeatedly charging multiple late fee and interest, even payment has been made When called in to have them correct this American Express Card provide no help at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
All of the consumer reporting agencies such as Equifax and XXXX are reporting inaccurate/outdated information on my account. The only address that should appear on the account is XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX. Furthermore the only phone number that should be associated with my account is XXXX and name is XXXX XXXX. All other addresses or phone numbers, aka, or emails are not valid and violates my rights to fair reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX Acct # XXXX Attn : Credit Bureau Disputes To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX thru XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX thru XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I need the above transactions deleted from my consumer reports! Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address

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 2023-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX i have switched debit cards and trying to work with paypal has not given any positive results,, I have talked with their specialists and they refuse to remove the card no longer in use and let me use the good card in file ... .. paypal keeps prolonging the issues and when i sell on XXXX XXXX can not transfer money to my account... i want them to get this straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: RI

Complaint narrative:
The following information is not true never been there XXXX had a/an XXXX XXXX XXXX XXXX account with account number XXXX, now owed to XXXX XXXX XXXX XXXX 

As of XX/XX/2020, you owed : {$540.00} Between XX/XX/2020 and XXXX : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
1. Payment due dates are changed every month without any previous notice to create " got-ya '' moment with intent to fradulently charge fees and interest. Example : the statement with billing period ( a ) XX/XX/23 to XX/XX/23 had a payment due date of XX/XX/23, ( b ) XX/XX/23 to XX/XX/23 had a payment due date of XX/XX/23. 

2. For billing period XX/XX/23 to XX/XX/23, we were prompted to pay " Remaining Statement Balance, '' and we paid the remaining statement balance {$1100.00} way before the due date. We had statement credits from rewards points and other past payments. 

3. For billing period XX/XX/23 to XX/XX/23, we were chared {$17.00} in interest- even after paying the full " Remaining Statement Balance '' as prompted. 

4. There was absolute no basis for the $ XXXX rather XXXX XXXX should have given us interest for having credit balance. This is fraud and deception. 

5. We contacted Citi 's Customer Service- they admitted the problem- and informed us that the " System '' is not allowing them to refund the money. When we requested to cancel our credit cards- he told me that system does not allow him to cancel the credit card.

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 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, I made a large deposit after a property sold to Wells Fargo. I made the deposit at a local branch and was told by the head teller there to wait a day and the check should clear. I was also told I should have no issue moving the money to other accounts. The following morning, XX/XX/XXXX, the funds were listed as cleared and available in my account. Around noon that day, I started making transfers to my other investment accounts, such as my children 's college funds and putting money to my mortgage. A couple of hours later, I receive an email from Wells Fargo, saying I am overdrawn. Wells Fargo had reversed the deposit without me being present or notified and placed a hold on my deposit until XXXX after I started transferring money out, leaving me overdrawn by $ XXXX. I had to scramble to try and cancel transfers and stop payments. The branch told me to call the 1800 number to see if they can lift the hold early and the call center said only a branch can do it. At XXXX on XX/XX/XXXX, they finally notified me of the deposit hold by an alert to 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 2023-07-28 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: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
XXXX and XXXX are horrible and thieves, they have taken me to collections for furniture I never received, I never signed an agreement with them and it is bizarre and crazy that almost XXXX  years to the date of supposed delivery and purchase I was taken directly to collections never receiving paperwork or letters. Heres the full story back in XX/XX/XXXX I walked into a XXXX  and XXXX store and wanted to purchase a couch, I applied for progressive leasing and was approved but was told the couch was out of stock given XXXX  and delays in shipments. I left my personal information at the store located in the XXXX, NY. I never signed an actual purchase agreement. Fast forward to XX/XX/XXXX ( XXXX yr later ) I received a call from a gentleman claiming to be from XXXX and XXXX talking about a purchase done a year and how progressive leasing did not cover the purchase now imagine my surprise as ( a ) I never received merchandise ( b ) never placed an actual order ( c ) never received letters, emails nor a phone call in the year from XX/XX/XXXX to XX/XX/XXXX. I dispute this transaction and order and I was told theyd investigate, great. I follow up twice with the company and never heard back until this past XX/XX/XXXX when I get a notification from the credit bureaus about a collections account from the XXXX XXXX regarding a balance owed to XXXX and XXXX again surprised and in utter disbelief. I reach out to the collections agency and dispute the charge and of course no help! I reported to the credit bureaus and its under investigation. I asked the collections agency for proof and all I received was a copy of a supposed signed delivery receipt which is XXXX because its not my email nor my signature. I have been transparent providing affidavits of fraud, disputing the account and working with XXXX and XXXX and the collections agency to get this removed and resolved and its been XXXX. No resolution. This is theft as they are charging me for an account I never opened nor had, I am being charged and unlawfully taken to collections for a purchase that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I received a payoff letter from Nissan Motor Acceptance Company in the amount of {$24000.00}, which included sales tax in the amount of {$1200.00}. This amount also includes the purchase option fee of {$300.00} as listed in the lease agreement. This purchase option quote is good until XX/XX/. 

On XX/XX/XXXX I initiated a call with Nissan to confirm if I had a last payment due in XXXX since I had established a new loan with XXXX XXXX XXXX XXXX XXXX ( XXXX   ) and the first payment was due in XXXX with them. At this time, I was told by XXXX XXXX from Nissan Motor Acceptance Company that the payoff was done incorrect, and I owed an additional {$880.00}. I told them this is unacceptable as the XXXX has already established my new loan and sent them the full payoff and why did it take me to initiate the call and not be notified within 30 days? Saying that after talking with XXXX and his manager ( who hung up on me ) today we have determined that they have processed the check that was sent to them. On XX/XX/XXXX I received an email from XXXX XXXX dated XX/XX/XXXX and addressed to XXXX  that they received check # XXXX for the funds totaling {$24000.00} to payoff the captioned lease. However, the letter states they are unable to process this payoff for the following reasons. 

___ Payoff received was short by an amount of {$880.00} ( I have asked them repeatedly to explain this! ) ___ Other : XXXX PURCHASE OPTION FEE PLUS SHORTAGE XXXX ( What does this mean? ) In the meantime, they are accruing interest on my loan due to their mistake they refuse to own up to. 

I hope you can be of assistance to their shady dealings, and I plan never to use Nissan Motor Acceptance Company again! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/XXXX XXXX XXXXo XXXX XXXX XXXX XXXX, MN XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX thru XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX thru XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I need the above transactions deleted from my consumer reports! Best regards, XXXX XXXX Enclosed : copy of ID

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 2023-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
Unfortunately you ( Citibank ) havent answered my personal concern. You have an account with the XXXX XXXX XXXX dept, based in XXXX, XXXX, XXXX. They use your service to transfer cash to pay pensioners internationally their necessary pension incomes. You stopped my pension income for political reasons. Because I am resident in XXXX. My Pension dept say they cant pay me because Citibank refuses to pay XXXX  pensioners resident in XXXX. Do you want me and my family to starve, go in debt and as a result deported back to the XXXX away from my dependant family? 

What can you do to resolve this matter? I too am concerned about the loss of life in XXXX and XXXX due to a prolonged battle killing each other and the starvation of those people trying to make a living and prevented from doing so thanks to the decisions of a handful of individuals. that is not the fault of ordinary people in either country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had applied for a XXXX credit card with capital one in XXXX, and got approved. They said the card would be sent in around XXXX business days and it was never sent. Few weeks had passed after their promised date and I found time to contact them only around XX/XX/XXXX, since they never contacted me. They said I could try changing the address since the delivery failed and seeing if that would work. I did that and waited another XXXX business days and I contacted them multiple times when again I hadn't received it. And on XXXX XXXX, they tell me the package is lost and they will issue it again. They keep doing this and don't even reach out to check if any delivery has been made, and it's now been over XXXX months since I've ordered the card and not received anything. This affects how I can utlizie my credit and constitutes fraudulent incompetence from Capital One, by not sending the promised credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-28 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: PA

Complaint narrative:
I just recently reviewed my credit report and I noticed that I had several negative items. These accounts are inaccurate.

Company response to consumer: Closed with non-monetary relief