vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Portfolio has violated my rights 1681s-2 ( b ) 15usc 1681i ( a ) ( 1A ) 15 U.S. Code 1681i ( 2 ) ( A ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) This debt has been invalidated XXXX  mailed me XXXX  statements named " XXXX XXXX '' with a balance of {$650.00}. I don't know what this is? The balance is not the balance displayed on my credit report. The credit report says {$670.00}. Per the FCRA the report has to be 100 % accurate, not 99 %, not 80 %, not almost. 
This is fraudulent, If not removed I will report to Attorney general XXXX  XXXX- Debt invalidated Portfolio mailed me XXXX statements, that were named " XXXX XXXX '' and the statements had a balance of {$650.00}?? I don't know what this is? The balance is not the same that is on my credit report. I am beyond confused??

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 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Discovered unknown address in XXXX, GA listed ( from sometimes in XXXX XXXX to sometimes in XX/XX/XXXX ) on my credit report ( reported by Midland credit management/MCM ) when applied for a credit card at XXXX XXXX XXXX XX/XX/XXXX. Discovered items purchased with a fraudulent credit card from XXXX XXXX The items purchased are not ones in the brand I have ever used, and I don't even have kids to be buying children 's stuff. Account was applied in XX/XX/XXXX, by stealing my identity, but with that unknown address in XXXX above. My credit report shows that unpaid debt was charged off on XX/XX/XXXX, and the following month it was sold to MCM above, who also reported the debt ( fraudulent ) with that address in XXXX above. They must have gotten that address from an ID theft who stole my identity, because I wasn't the one opening the account. Filed a claim with both companies within the last month or two, but XXXX wouldn't want to be responsible to fix their report to mark it as fraudulent, and MCM denied the claim and told me to file a police report, and so I did file a police report on XX/XX/XXXX. Also filed with FTC, who is assisting me with a recovery plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My sister made a XXXX deposit for me on Wednesday, XX/XX/XXXX, and I have not yet received the funds in my account and it is now, Sunday, XX/XX/XXXX. The earliest the funds could be available would be Monday the XXXX, a full 3 business day and 2 non business days later. The bank, Wells Fargo is holding the funds for too long and profiting off them for their own benefit. This should not be allowed and should be if it's not already against the law. What can you do to help?

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 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm invoking my specified remedy as a Federal Corporation member as the original creditor/consumer. Under 1681i ( 2 ) Prompt Notice of Dispute to furnisher of information before the expiration of the 5-business-day period regarding CFPB # XXXX ; # XXXX and # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OZK
State: GA

Complaint narrative:
Bank OZK has failed to pay me, they sent this PDF, the PDF did NOT come with a check and I HAVE NOT RECIEVED A CHECK IN THE MAIL AS I REQUESTED IF THIS BANK DOES NOT PAY ME ASAP I WILL ESCALATE THIS TO LAW ENFORCEMENT. YOU CAN NOT PRETEND TO PAY ME VIA CFPB AND NOT PAY ME> I WANT MY MONEY NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I disputed a charge with my credit card issuer, Capital One. The disputed charge was for items not received as described/incorrect item, billed on XX/XX/22. for {$380.00}. The merchant from which the item was purchased was XXXX who did not rectify the issue. I filed a dispute with Capital One regarding this transaction on XX/XX/22. On XX/XX/22 I received a letter from Capital One stating that more information was needed as XXXX had reported to Capital One that I had not reached out to XXXX. Capital One requested a copy of the invoice, information/evidence to support how the merchandise ordered differed from what was received, a statement that included the number of times the merchant tried to correct the problem, a description of how I tried to resolve the dispute with the merchant, and finally " a second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what it will cost '' to be provided by XX/XX/22. I provided the original order invoice/receipt, a detailed letter outlining why the merchandise I received was incorrect, pictures of the item/how it differs from what I ordered, evidence of correspondence with XXXX, and details of what my interactions with XXXX on XX/XX/22. The only thing I could not provide was the second opinion on company letterhead from a merchant in the same field. This to me is an unreasonable request from a consumer ; how am I expected to have a signed letter from a merchant similar to XXXX on company letterhead to provide a second opinion within 3 weeks? The entire point of the dispute is that Capital One is the second opinion in the matter ; I should not have to provide a second opinion. Capital One responded on XX/XX/22 denying my dispute as it " lacks all of the previous requested information. '' I provided ample evidence of XXXX wrongdoings in the dispute with photographic evidence of the item in question, copies of XXXX policies, and proof that XXXX had lied to Capital One when they stated I had not filed a claim with them. This should be more than enough to validate my dispute and a consumer should not be expected to provide a " second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what it will cost '' as this is unreasonable, especially when considering the merchant in question is an entity such as XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is an update on previous disputes. I have put these companies on notice several times about mentioned accounts. I uploaded all the information. No one has provided me with the documentary evidence that I owe on these alleged accounts and they also have not provided me with the proof of authority. I have all exhibits and the issue has not been solved. I have asked for documentary evidence and the original instrument of indebtedness. The freedom of information act gives me the right to this information. I did not ask for a photo copy of anything. I am also not able to pull my Experian credit report at all off any website. It states that information is not available and it has been saying that for 2 months. 

THIS IS NOT A DUPLICATE

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 2022-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/2020 {$15.00} from unknown source

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm invoking my specified remedy as a XXXX XXXX member as the original creditor/consumer. Under 1681i ( 2 ) Prompt Notice of Dispute to furnisher of information before the expiration of the 5-business-day period regarding CFPB # XXXX ; # XXXX and # 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 2022-05-15 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

Complaint narrative:
Last XX/XX/XXXX I jus received this email from PayPal I've been using this account since mid last year. After a review of your account activity, weve determined that youre in violation of PayPal 's Acceptable Use Policy. Specifically, the sale of unapproved file sharing services. As a result, your account has been permanently limited and you wont be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart.

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive funds. If you have funds in a PayPal balance, well hold it for up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including liquidated damages. After that period, well email you with information on how to access any remaining funds. 
If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
ChexSystems continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address ChexSystem uses to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : *Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - XXXX XXXX XXXXXX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX *Inquire XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX  XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX XXXX  XX/XX/XXXX ( XXXX ) XXXX XXXXXXXX XXXXXXXX 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 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with fair Credit Reporting act. The lists of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, STUDENT LOANS XXXX XXXX, AND XXXX/XXXX. Closed account XXXX opened XXXX we now in XXXX still on my credit report. XXXX also open XXXX still reporting negative activity 15 U. S. C. 1681 section 602 A. States a consumer reporting agency can not furnish a account without written instructions. 

15 U.S.C. section 604 A. no consumer reporting agency make any consumer report containing any of 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. 1681c ( a ) ( 5 ) Section States no consumer reporting agency make any consumers to any consumer reporting agency if the person knows or reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

I would like all my unauthorized Inquiries, my derogatory remarks, late payments, public record, closed accounts removed. Many Of these accounts fall under the statute of limitations or are misreporting on my credit report. 

( Please remove any and all unauthorized inquiries from my reports as I have No knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings. )

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 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

I would like all my unauthorized Inquiries, my derogatory remarks, late payments, public record, closed accounts removed. Many Of these accounts fall under the statute of limitations or are misreporting on my credit report. 

( Please remove any and all unauthorized inquiries from my reports as I have No knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
On or about XX/XX/2021, we sold our home in XXXX, Georgia. I am an XXXX XXXX XXXX XXXX Veteran, so my family has moved around a lot in the past. We moved from XXXX, Georgia, to XXXX, Georgia while I was on XXXX XXXX, but kept and rented out our home in XXXX. Once I got off XXXX XXXX, my family and I moved to XXXX, Ohio and sold our house in XXXX. We never received the escrow money from our mortgage company, Suntrust from the home we sold in XXXX. I did not realize this until we filed taxes this past year and we needed to get a copy of our XXXX. We learned that Suntrust had been bought by Truist, so we called them multiple times to try and get a copy of our XXXX, and I asked them to see if the check from our escrow was cashed. They said they would submit an investigation request on our about XX/XX/XXXX, and that it would be done on or about XX/XX/XXXX. They said they mailed our XXXX on XX/XX/XXXX. We never received our XXXX, and I called back on or about XX/XX/XXXX to ask for an update on the escrow money. They said that the investigation was complete, and we would get a check for about {$2300.00} in the mail. A few more weeks go by and then on or about XX/XX/XXXX, my husband called Truist again, and they said that they had cut and sent a check on XX/XX/XXXX. As of today, XX/XX/XXXX, the check has still not arrived and we are moving again this coming Wednesday. Every time we call, they say there are delays with the mail, but we never received the XXXX and they have told us at least once before the reason we havent got what we requested was because of processing errors. 

My husband just finished XXXX XXXX and I am in XXXX XXXX  We have two day care aged children. {$2300.00} should not mean anything to Truist, but for our family, thats an entire month of daycare tuition. 

The address I included on this complaint is the address well be moving this Wednesday. The address we gave Truist multiple times is XXXX XXXX XXXX, XXXX, OH 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 2022-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I have a mortgage with Freedom Mortgage. Currently, Im in mortgage forbearance until XXXX of XXXX Without my knowledge or consent, they have made changes to my original loan. They have increased my original loan amount from {$340000.00} to {$350000.00}. This action has negatively impacted my credit score. I was told, I would have three options to repay the outstanding balance. One option was full repayment at the end of 12 months. Second option was to make additional payments for 12 months. And the third option was to repay the outstanding balance when I refinanced and or sold the home. I choose the third option. Every month, they are sending late notices, even though Im in mortgage forbearance. I would like my credit score corrected and to reflect my original loan amount.

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 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Discover Bank, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft, i submiited a dispute as I did not recognize this listing on my profile. 

XXXX has violated my rights 1681s-2 ( b ) 15usc 1681i ( a ) ( 1A ) 15 U.S. Code 1681i ( 2 ) ( A ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) This debt has been invalidated XXXX  mailed me 5 statements named " XXXX XXXX '' with a balance of {$650.00}. I don't know what this is? The balance is not the balance displayed on my credit report. The credit report says {$670.00}. Per the FCRA the report has to be 100 % accurate, not 99 %, not 80 %, not almost. This is fraudulent, If not removed I will report to Attorney general XXXX XXXX- Debt invalidated XXXX mailed me 5 statements, that were named " XXXX XXXX '' and the statements had a balance of {$650.00}?? I don't know what this is? The balance is not the same that is on my credit report. I am beyond confused??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Name XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief