vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EGL US, LLC
State: MD

Complaint narrative:
On XXXX I was contacted multiple times by BMG money after telling that that I was at work at would call them back. 

XXXX-I was waiting for a XXXX  meeting to start and sent the call to voicemail ( they did not leave a voice mail ) XXXXStill waiting for a Zoom meeting to start, took the call and advised XXXX I would call back and that was at work XXXXCalled by an autodialer, placed on hold for 3 minutes, connected to XXXX who I told I was at work, and asked why they called after I told them I was at work. XXXX advised that it was an auto-dialer that called me. I responded their auto-dialer is not my problem and should be able to abide by the FDCPA and honor my request to not call me at work. 

I find multiple phone call days to be harassing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They verified this account as mine despite the fact the information on the credit report is inaccurate. No accounts with XXXX account # XXXX or XXXX account # XXXX were verified using XXXX, XXXX and transunion information.

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 2023-09-05 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: Block, Inc.
State: OH

Complaint narrative:
I opened an account with CashApp ( I don't recall the exact date of opening ). However, I have not used the account that - meaning, I have not logged into the account in almost a year. I knew I had money in the account which I received a payment on XX/XX/XXXX in the amount of {$300.00}. Now, In XXXX of XXXX I made an attempt to login to my account so that I could retrieve the funds in this account. However, the debit card that I have associated with this account expired on XX/XX/XXXX. Because the debit card expired on XX/XX/XXXX I am unable to access my account, as CashApp uses a security feature where you need to verify your identity by either receiving a 6 digit PIN to your email address on file or my entering your full debit card number including the expiration date. However, when entering my email address, I do not receive the system generated PIN - the email address that I am entering is the correct email address, as the screen shows you the partial email address and you have to enter the missing letters. I have explained to both In-App Support as well as via XXXX messenger that the confirmation email is not coming to my email address after checking my spam folder, etc, nothing is being sent. It is a business email address which I have double checked with my tech support, and we have no issues on my end. I have requested for someone to send me an email directly so we can determine where the issues are, as I am not receiving the automated emails. This request was denied. I ask to have their internal technical team look into why I am not receiving the automated emails and this request was also denied. I was told that since I am not able to verify my identity that I can not be helped. I can not verify my identity because one, I am not receiving the automated emails and two, the expiration date on my debit card is XX/XX/XXXX and their system does not allow for you to enter an expired expiration date. So as a result of not being able to enter the expiration date and not receiving the automated email I am told there is nothing that can be done so that I can get access to the funds on this account. The CashApp name associated with this is XXXX XXXX and the email address associated with this account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
PayPal Credit consistently credits returns to non-related transactions. This results 100 % of the time in a decrease in balances in purchases with promotional periods expiring later instead of a decrease in the correct balance of the promotional period expiring earlier.

As a result, PayPal credit is not honoring the terms of the transaction of the non-related purchase. 

In example : Purchase XXXX for {$250.00} from Company XXXX made XXXX with a XXXX interest promo expiration of XX/XX/XXXX Purchase XXXX for {$300.00} from Company XXXX made XXXX with a XXXX interest promo expiration of XX/XX/XXXX Item returned to Company XXXX for {$75.00} credit, credit processed XXXX. PayPal credit processes the credit against the {$300.00} purchase from Company XXXX with the promo period expiring XX/XX/XXXX. 

I have spent hours on the phone with PayPal and this happens repeatedly. There is no mechanism to correct the issue and it continues to happen, with every error in PayPal 's favor as it shorts the customer by affecting an unrelated transaction and thereby not honoring the full 6 months interest free for that specific purchase.

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 2023-09-05 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had two recent transactions that were refunded to my Chase Sapphire Reserve Credit Card. the first was from the merchant XXXX for {$130.00} on XX/XX/XXXX. the second was from the merchant XXXX XXXX for {$2000.00} on XX/XX/XXXX. Both transactions were shown as pending in my Chase Sapphire account but are now completely gone. I called Chase and they have no record of the refunds. I also spoke to both merchants who have confirmed with proof that the transaction was completed on their end. I am not sure what to do at this point as no one seems to be able to help me, and this is a large sum of money for me that I need back in my account. Please let me know what to do from here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting 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 XXXX, THE FOLLOWING ACOUNTS : XXXX XXXXDEPT OF EDU # XXXX 15 USC 1681 SECTION 602A : STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A SECTION II : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OU MY WRITTEN CONSENT.

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 2023-09-05 00:00:00
Product: Credit reporting 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 XXXX, THE FOLLOWING ACOUNTS : XXXX XXXXDEPT OF EDU # XXXX 15 USC 1681 SECTION 602A : STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A SECTION II : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OU MY WRITTEN CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I Did XXXX Consecutives payments and voluntary return the car otherwise they sold the car, and I paid the difference. and now they use the incorrect information in my credit report because LOBEL FINANCIAL XXXX sold the car. information not verifed from Corporation XXXX XXXX value represented in the contract. So it was paid XXXX $ in XXXX monthly payments. 
and 2020 payment XXXX $ total amount XXXX $ and the original amount XXXX $ difference is XXXX $ the car value in XXXX $ at least XXXX XXXX in auction Nothing in these records is accurate was my debt or was a value car in my credit report no appears any information when This account is scheduled to continue on record until????? is inaccurate and unlawful. 
I can't pay a lawyer. and add destroyed my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. BANCORP
State: RI

Complaint narrative:
My Mom has been in a XXXX XXXX several years. While there she retained one of her credit cards. During that period she used her card to make purchases for herself and several family members and possible friends. 
I am one of her sons and I has the creditor send the bill to my address and for the past several years I have been helping her to pay her bill monthly. I have no idea how the balance got as high as it did ( approximately {$8000.00} I think ). But I can no longer help XXXX with her payments. I sent a registered letter to the credit card company to inform them of such and explain XXXX is in a XXXX XXXX  now. I also began receiving calls form what must be either a collection agency or an affiliate of the creditor. 
I am not a co-signer or authorized user of the credit card. I do not have DPOA over my XXXX, nor conservatorship or guardianship for my Mom either. I can no longer pay her bill, and Mom certainly can not. This is not my debt. I am getting calls on my cell now almost daily from a company named Elan Financial Services, I assume in behalf of XXXX XXXX XXXX  ( Name on her 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 non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
these fraudulent inquiries on my credit report are not authorized by me and need to be removed ASAP 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

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 2023-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NATIONAL DEBT RELIEF LLC
State: WI

Complaint narrative:
Several times in the last 3 years I have communicated and spoken with representatives of the National Debt Relief organization. I signed a contract with them to pay my debt to XXXX XXXX for less than I owed. They continued to negotiate with XXXX XXXX on behalf of me to settle a debt as XXXX XXXX would not negotiate any less. I could only afford {$640.00} per month no matter what was negotiated. I am a XXXX XXXX XXXX retired women with limited XXXX XXXX XXXX XXXX. During that time they allowed me to be summons to court. They found a local attorney to represent me. Unfortunately they also negotiated another agreement with XXXXXXXX XXXX  XXXX ( attorneys for XXXX XXXX ) which I also signed. At the time I did not understand that this agreement would have me paying approximately {$10000.00} more than my original debt to XXXX XXXX! I know ignorance is no excuse. I always told them my intention was always to pay my debt that was due. I thought they had my best interests while negotiating on my behalf. I was wrong. When I realized the mistake, I terminated my contract with National Debt Relief and contacted XXXX XXXX XXXX  myself. They were reasonable and agreed to settle for 50 % of what I still owed. As a result of working with XXXX, I will still be paying approximately {$3000.00} more than my original debt to XXXX XXXX, which was XXXX. I have no other debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting 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 following account have violated my rights. 

XXXX XXXX XXXXEQUIFAX 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 - THESE ARE HARD INQUIRIES THAT I NEED TO HAVE REMOVED FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting 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 following account have violated my rights. 

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 - THESE ARE HARD INQUIRIES THAT I NEED TO HAVE REMOVED FROM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have attempted to register several times in order to obtain my credit report. The original purpose was to unfreeze my account. There was no place to put in a pin. I tried registering with Experian. It appeared to work but then it would get this message " We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience.Call us toll-free at XXXX '' I tried multiple time to get it to work. I called XX/XX/XXXX and 5th multiple times. It is just an automated response. You got around in circles until they hang up on you. I ask to talk to a representative it just circles through the menus. It will not understand " SYSTEM ERROR ''. It will not connect you to a human. It gives you a choice of automated reply or end the call. I chose automated reply and it hung up on me. There needs to be a better way to resolve this issue. 
I called XXXX and XXXX XXXX XXXX both gave the same results. How am I to verify my account? I was able to unfreeze my account over the phone. 
This credit bureau has always been an issue and the one I have had more difficulty when trying to obtain my credit report. I have not had this issue with the other credit bureaus.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Westlake financial services in XX/XX/2022, forced performance on a loan which I wished to rescind the contract within 24 hours due to un disclosed damage to the frame of the car. West lake financial has a business relationship that is more personal instead of professional with XXXX XXXX XXXX They took my information from the car dealership and refused to let me return the car. 

I fell into a hardship and they harassed me every single day, email after email, call after call. I have asked them to remove the alleged debt from my credit report, as they have sold the debt and has a debt collection agency call me. I told them all to quit calling me but they refuse. It seems to me there are definitely fraudulent dealings with this financial company. They refuse to honor any laws surrounding consumers rights and force under coercion and duress to sign papers and refuse to allow any review of the actual documents. 

I wrote them certified with a formal request for documentation and they now call me several times a day with automated calls. 

That is illegal and against the law! The Attorney Generals office needs investigate this predatory loan entity operating in several states!!! 

I would like my demand for the original loan documents and ANY/ALL of the paperwork they have with my wet signature. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is in reference to a charge-off account # XXXX with XXXX XXXX.I am currently on XXXX XXXX and have been since XXXX XXXXMy relative whom I put in charge to handle my affairs was denied twice in a XXXX branch when she attempted to pay on my auto loan.She was told that " non account holders are unable to pay/deposit cash on anyone 's account '' .I reached out to XXXXXXXX XXXX several times about the issue with no response.I also requested my account be placed on XXXX XXXX XXXX XXXX' .Subsequently XXXX XXXX reported my account as a charge-off to all 3 credit bureaus XXXX, EXPERIAN, AND XXXXI spoke with XXXXXXXX XXXX  service members escalation group case manager.I submitted my XXXX XXXX and was told it would be taken care of.I requested for the charge-off to be reversed and my original loan terms reinstated.I also submitted a 1099 C cancellation of debt as XXXXXXXX XXXX has received a tax benefit for said debt, but failed to send me a XXXX which is required by law.I have also disputed this with EXPERIAN, XXXX AND XXXX. Instead of XXXX correcting the account or removing it, XXXXXXXX XXXX updated the balance amount with 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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

Company response to consumer: Closed with non-monetary relief