vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
In XXXX, XXXX  the sales rep showed up at my home a technician was already there fixing my XXXX XXXX  that I was having repaired. 
The representative offered us a deal that XXXX was having to upgrade my son 's cell phone, which I agreed to. However, instead of opting for the monthly payment plan of the phone I decided to pay for the phone outright, { which you'll see in the attachments that I am sending in this report }. 
However, a week later I changed my mind and canceled my entire account with XXXX because their sales representative provided false information to me concerning the amount that my monthly bill would actually be. Since I was not able to get into contact with him again I went to the store to get this rectified. This is where I found out why I could not get into contact with the rep again was because XXXX had fired him. Prior to that time I did try to contact the rep via text messages but he never responded to any of them. 
Later XXXX reported me to the Collections through a company named Credence Resource Management. This company continually reports me, then when their report falls off of my report they reopen the report again, something that they've been doing now for the past almost 3 years. 
I spoke to a representative from this collection agency a while concerning this matter, but they would repeatedly say that I owed this money and until I paid it they would not remove the charge. Or I could pay a portion of what the balance was to satisfy this collection. I told them at the time that I had spoken with XXXX and that XXXX no longer has any record of this transaction in their system, my name is no longer in the system and since the representative no longer worked for the company there was nothing that they could do. 
Which brings me to contacting you to get this situation resolved. Everytime I get reported from them, my credit score obviously goes down and I don't think that this is fair to me especially since there is nothing that I can do to prevent them from continually reporting me over and over again. And since I know that I do not owe this money I am not paying anything. 

I am providing the reciept for the original transaction dated XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit reports, I noticed significant discrepancies in the reporting of the XXXX account ( Account Number : XXXX ). The balance is reported as {$0.00}, yet the status shows {$660.00} written off, indicating conflicting and inaccurate information. Furthermore, the highest balance reported as {$660.00} conflicts with the original credit limit of {$250.00}. 

Additionally, the payment history shows inconsistent updates without clear verification of which information is accurate. These repeated updates and inconsistencies violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and verifiable. 

Due to these inaccuracies and the failure to provide a clear, accurate, and verifiable report of this account, I request the immediate deletion of this account from my credit report. 

Please address this matter promptly to avoid further violations of the FCRA.

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 2025-01-07 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE 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 2025-01-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I received an alert on my credit report that I had a loan in default. I had not received any information regarding what loan, who it was with, or how to schedule payment. I spoke with PHEAA and was told they could not help me with the loan that I had to go to Student Aid and submit a consolidation claim. I requested a statement or breakdown of detailed info on the loan from PHEAA and was told " we don't have to send that '' and " when we do it is sporadic. '' I then asked for the specific loan number and school name which he did supply. This loan is part of a class action lawsuit which started in 2020 when the pandemic hit. I filed all the paperwork and was told I qualified for loan forgiveness due to this specific school. I since had not received any updates. I have no problem starting to repay on this loan, but I do not understand why I received no notification or assistance from the loan servicer regarding the need to start payment. All the government agencies told me I had to contact PHEAA, but the PHEAA rep is telling me " we can not help you. '' All my other loans are in repayment, and setting up payment is not an issue, but I was not even supplied with the loan number until today. The loan did not appear on my loan list until it was in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-01-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Someone got a hold of my personal information a few years back and used it to open fraudulent utility accounts. I've already reported this account on Identitytheft.gov and to law enforcement. Original creditor is XXXX XXXX XXXX for the amount of {$560.00}, the itemization date is XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE 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 2025-01-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After checking my credit report, I see under ''Real Estate Loans '' there is a company called XXXX  XXXX that was reported on XX/XX/year> with no account details but I have never applied for or opened ANY real estate loans. I believe this account was opened in fraud or identity theft. I have not opened or given my consent for this account to be opened by this company or any other real estate loan company.

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 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I would like to have escrow analysis run on my mortgage. My payment has been very high and they are taking XXXX per month escrow. 
I need a new escrow analysis done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. Please verify or remove immediately the following accounts : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX I ask to see the original contract tPlease remove this inaccurate information from my credit report. Key inconsistencies are found in total accounts, open/closed accounts, debt in collections, and hard inquiries. XXXX is missing a significant amount of account data, especially for revolving, installment, and collection accounts. Additionally, name and address formatting is inconsistent across the bureaus, and XXXX lacks crucial personal and account information compared to XXXX and TransUnion. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation immediately and delete Significant inconsistencies exist in the payment status, responsibility, and times late categories. XXXX is missing almost all relevant information, which further creates discrepancies across the bureaus. Additionally, TransUnion reports missed payments while XXXX reports charged off status, creating conflicting data.

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 2025-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the handling of my accounts and loans by Navy Federal Credit Union ( NFCU ). Despite multiple attempts to resolve these issues, I have encountered unprofessional conduct, lack of cooperation, and refusal to provide critical account information. 

The following issues require immediate attention and resolution : Collections Handling Charged Off Account : In XX/XX/2024, during a recorded call, I attempted to rectify and pay a charged-off account. Despite my willingness to make payments or resolve the matter, NFCUs collections department refused to facilitate the process and ultimately hung up on me after repeated attempts to explain the situation. This obstruction prevented me from addressing the account and further damaged my financial standing. 

Denied Amortization Schedule for Pledge Line : I have made several requests to obtain an amortization schedule for my Pledge Line account. Each request has been denied without reasonable justification. This lack of transparency prevents me from effectively managing my financial obligations and understanding the breakdown of my payments and balances. 

Refusal to Review Associated Accounts with Concerns : I have requested that all my accounts with NFCU be reviewed for potential discrepancies or variances. Despite raising valid concerns, NFCU has refused to conduct a comprehensive review or audit of these accounts. This refusal undermines trust and transparency, potentially leaving unresolved errors that could adversely affect my financial health. 

Resolution Requested : I request that NFCU formally investigate and address each of the issues outlined above. 
Facilitate the rectification and payment of the charged-off account in good faith. 
Provide the amortization schedule for the Pledge Line as requested.

Conduct a thorough review of all associated accounts to ensure accuracy and resolve any variances. 
The lack of cooperation and accountability in handling these matters is unacceptable. I urge NFCU to take immediate corrective actions to resolve these issues and restore my confidence in their services. Should these concerns remain unaddressed, I will escalate the matter further to regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX ( XXXX ). 

I appreciate your prompt attention to this matter and look forward to your timely response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I saw a large charge on my PayPal by Synchrony credit card for {$3600.00} from a random merchant in New York. I saw that it shipped and it asked for an indirect signature, XXXX signed it and there is no picture proof of delivery. 

I tried to contact the merchant but I got no response, it is called " XXXX XXXX '' so I did a chargeback with XXXX. They replied with a boilerplate response that tracking was attached and would not help I called to appeal and they also denied the appeal. This has been going on since XX/XX/year> I will not pay for this charge and need this refunded, this is fraud and I did not receive anything.

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 2025-01-07 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
So my account was unexpectedly closed by PayPal, I use PayPal as a money service to offer payments to insulate my bank account from fraud, Im a full time XXXX  and they closed my account for no reason, I have payments from Merchandise that will no longer go through and payments from clients and tips that I need to facilitate my business as a fulltime XXXX. I need my account reopened I I feel like PayPal being a financial institution needs to say why it was closed, they will not offer any information as to what was suspicious or supposedly against their policy. I havent dont anything against their policy or illegal for that matter, everything was typical and I need it reinstated or I need someone to investigate their procedures as they seem illegal for a financial institution to randomly closed their account

Company response to consumer: Closed with explanation