vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
on Saturday XX/XX/XXXX, I received a phone call from a fraudulent XXXX number, I answered, it was a fake person saying they were PayPal, I hung up immediately, and just from that call they were able to hack into my account and get all my information. They started making charges and I disputed them immediately, and then changed my password each time. This has been going on now since Saturday at XXXX today XX/XX/XXXX they charged 2 charges of XXXX AUD from my account, this is after I changed passwords, got XXXX authenticator apps etc. PayPal is blaming the victim me, they will not do anything to help, they are saying its not their problem and its mine. They are fine on their end. I saw this person added an XXXX passport to my account etc. I have deleted a lot from the account but I am not sure what to do. this money will come out of my checking account and cause me overdrafts. PayPal and their fraudulent practices are not helping and blaming the consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I am writing to lodge a formal complaint regarding an entry on my credit report linked to an account originally held with XXXX XXXX XXXX. 

Account Details : Original Creditor : XXXX XXXX XXXX Current Creditor : Credence Resource Management Balance : {$1600.00} Account Number : XXXX XXXX XXXX XXXX has written off this debt and subsequently sold it to Credence Resource Management, resulting in a financial benefit for both parties. Despite this, the entry remains on my credit reports, inaccurately portraying my financial status and causing undue hardship. 

My decision to leave XXXX XXXX XXXX was influenced by their negative practices, including the Data Throttling Settlement of XXXX, where the FTC mandated XXXX XXXX XXXX to pay a substantial sum to resolve allegations of deceiving customers about their unlimited data plans by reducing data speeds after a certain usage threshold was reached. 

I expect Credence Resource Management to rectify this situation by removing this entry from my credit reports. Failure to address this issue will leave me no choice but to escalate the matter as per my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.

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 2024-04-08 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: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland has stated this debit is mine and was then served in a property that I don't reside in. So was never aware of the judgment placed on me. I have emailed them and mailed them a letter to please send me a copy of the signed contract bearing my signature that shows I am directly responsible for my debit, an itemized accounting of the amount they are trying to collect including fees and charges. the name and contact information of the original creditor. The FDCPA states you must cease collection efforts until you have provided this and have 30 days to respond. They have not responded, nor have they ceased the collection. I call regularly and there is no answer. It's obvious this is not my debit since they served the judgment where I don't reside in. Please help with this matter, at this point I can sue them for not providing me with any information on this debit and supposal being served where I don't live. I would like to do a police report but don't have any Infromation to do a police report since I have no information on this matter, and they have now exceeded there 30 days to respond. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On the XXXX of XXXX, 2024, I deposited a check through mobile deposit to my Chase checking account. I recently changed banks about XXXX months ago and had direct deposits going through with no problem. Recently, my workplace had a technical error, and my paycheck didn't go through direct deposit like usual, so they gave me a paper check instead. Once I received the check, I deposited it into my account using a mobile deposit. Then, I received a notification that my check was on hold until the XXXX of XXXX to verify proof of funds from my employer. I informed my employer what was happening, and I found out on the XXXX of XXXX that the funds had been taken from their account, and I should be seeing it in my account. After looking at my account, I see it still hasn't received the funds. I called Chase Bank, and they told me that if this is the case, I should see the funds available by tonight or, worst-case scenario, by the XXXX. This makes no sense to me, and my check shouldn't have been put on hold since the funds were already available. This process is entirely unethical and inefficient. Should be able to verify funds much quicker than this for the inconvenience this causes. It's absolutely unacceptable, and I'm starting to regret transferring to Chase, as I've NEVER experienced anything like this with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
getting over 30 calls a day from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Transunion and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account Number XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I treid to change my main mobile phone number from XXXX XXXX XXXX to my new phoen XXXX XXXX XXXX but the system didnt allow it saying that the phone numer is assigned to another account. This is a new phone nd XXXX done have it registered to another account at capital one. 
I called customer service and they couldnt help and wstes around XXXX minutes with the representative. 
If the bank as error on their system is a bank issue and not customer issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: NY

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported 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 explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I recently reviewed my credit report and I see inaccurate credit reporting on the payment status. I contacted NELNET LOAN SERVICES in XX/XX/2024. The company stated that they didn't have any late payments listed. The errors on my credit report are violation my rights as a consumer under Section 15 USC 1666B. 

Account numbers that are incorrectly reporting : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: NY

Complaint narrative:
By Federal Law In 15 USC 1681 ( C ) -2 Block of Information resulting from identity theft of a - 4 Day Block of Information Removal, that's correlated in 15 USC 1681 ( A ) Definitions ; Rules of Construction ( D ) ( 2 ) Exclusions ( I ) The Term Consumer Report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; such as collections, repoessions, charge-offs, charged-off as bad debt, late payments, debit to income rational, credit utilization, inquiries any other and all derogatory remarks etc. that would put a detrimential affect on his/her consumer reporting file. I'm will be seeking {$1000.00} per violation in a separate invoice attached to my Consumer Financial Protection Bureau report in 15 USC 1681 ( N ) for Civil Liability for Willful Non-Compliance and other Civil Liabilities for any derogatory remarks on my consumer file solely to transactions and experiences to all creditors that reported this illegal excluded information to my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: PA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-08 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: VA

Complaint narrative:
This is my second complaint involving Lexis Nexis. The first complaint the company closed the account without responding. Lexis Nexis provided me a link for my personal information. My personal information has nothing to do with this case. The company refused to provide me with any information that they are forwarding to other agency. I don't have a contract with Lexis Nexis and I did not give them authorization to have my information or forward it to any agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I have multiples student loans on my credit reports that have been closed and paid off and I need all of them removed off my credit reports, the loans have been stuck on my credit for some years and they have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TomoCredit Inc.
State: OH

Complaint narrative:
I requested the company to fix the issue with what was being reported to all XXXX  credit bureau 's as promised via their terms and conditions : XXXX  months of instant credit history reported. 
XXXX  months of past bills added to your account. 
Up to XXXX XXXX XXXX reported as credit. * * The minimum reported is {$5000.00} and you can increase it by matching utilities. Positive history will always be reported. 
We will report to all XXXX major credit bureaus : XXXX, XXXX, and XXXX, at the end of each calendar month. 

I requested by email to be updated on why I was not seeing the XXXX credit limit reporting with all XXXX  bureau 's. Tomo Credit is reporting a XXXX amount to my account through the XXXX credit bureau 's. Tomo responded in an email asking which bureau was not reporting and I advised that all XXXX  bureau 's need to be investigated to confirm what is being reported for me through Tomo. They sent me an email that was very unclear and just highlighted my email description and my case was being updated.

I emailed them again because I had not heard back from the support team with the results of my requested investigation. I advised that I will move forward with cancelling my account and take my business somewhere else. No one responded I decided to reach out to my bank to file a dispute to stop payment with Tomo and to refund my money for services not rendered. And as per the advise of my bank I moved forward to cancel my account with Tomo Boost on XX/XX/2024, request that they cancel my account. And based off of the terms and conditions they allow a monthly member to cancel for any reason. However, Tomo Boost has not cancelled my account and it seems like they're not going to ..... Please help me stop this company from taking my money! Thank you in advance! 

Tomo Boost Terms and Conditions for cancelations : For a Monthly Program membership at any time for any reason with XXXX business days notice to us, with notice effective on the business day following the day that you notify us of cancellation, in which event your membership and access to Monthly Program Enrollment and benefits will terminate effective XXXX business days after the effective date of your notice of cancellation to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally discharged my car, repossessed my car, I got it back and still made all payments. Once they discharged my car, I did not owe them any money.

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 2024-04-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-08 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am addressing a matter of significant concern regarding willful non compliance and the resultant civil liability stemming from actions on behalf of of XXXX. CIVIL LIABILITY FOR WILLFUL NON COMPLIANCE 15 U.S.C. 1681 ( n ). 

I have submitted 3 written request with Forms 3800 and 3811 attached.Filed Complaints with the CFPB, FTC, & XXXX  and still no resolution. Please see attachments, copies of documentation and evidence supporting my claims. 

As of XX/XX/XXXX these accounts which I demanded to be deleted, as well as copies of the documents XXXX used to verify these accounts per my request. 

The company said they have reinvestigated these accounts, but all they have done is parroted information given to them by other sources. I asked if I gave XXXX written instructions? They ignored my request. I asked that XXXX provide me with the name of the person who verified the accuracy of these accounts, they ignored my request. I have the right to demand all documents that XXXX has recorded and retired in your file. 

The company has reached the 30 day mark, therefore they must delete these accounts from my credit report. A written letter was sent XX/XX/XXXX for Inaccurate Personal Information, and Inaccurate accounts Reporting USPS # XXXX. XX/XX/XXXX a written letter was sent for Unauthorized Credit Inquires on my consumer report USPS CM #. A second written request was on XX/XX/XXXX USPS CM # XXXX. A third written request was on XX/XX/XXXX Refusal to conduct proper investigation 15 U.S.C. 1681 ( n ) USPS CM # XXXX. 

I AM PROMISED ACCURACY IN MY CONSUMER REPORT BASED ON FEDERAL LAW. I AM MAKING THIS CALL AS ANOTHER ATTEMPT TO HAVE THESE ERRORS CORRECTED ON MY CONSUMER REPORT UNDER 15 USC 1681. ALL UNVERIFIED INFORMATION MUST BE PROMPTLY REMOVED.

Company response to consumer: Closed with non-monetary relief