vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
Cash App Support Subject : Unauthorized Transactions and Reimbursement Request To Whom It May Concern, I am writing to address a concerning and ongoing issue regarding unauthorized transactions on my Cash App account, which have resulted in a total loss of {$2000.00}. Despite my consistent attempts to resolve this matter through various channels, I regret to inform you that the situation remains unresolved. 

Beginning in XXXX, I noticed several unauthorized transactions on my Cash App account that were made without my consent or authorization. These transactions amounting to {$2000.00} were undoubtedly the result of fraudulent activity that I had no knowledge of or involvement in. As soon as I identified these unauthorized charges, I promptly contacted Cash App support to report the issue and request a reimbursement in accordance with your company 's policies and consumer protection laws. 

Unfortunately, despite my repeated attempts to communicate and collaborate with your support team, the matter has not been resolved in a satisfactory manner. I have followed all necessary steps to provide evidence of the fraudulent transactions and to ensure that my account 's security is reinforced. However, I have received no assistance in recovering the funds that were taken from me. 

I believe it is essential to highlight that this situation not only constitutes a significant financial loss but also reflects a breach of trust in your company 's ability to secure its customers ' accounts and provide timely and effective support. I urge you to address this matter urgently, thoroughly investigate the fraudulent transactions, and take the appropriate measures to reimburse the {$2000.00} that was wrongfully deducted from my account. 

I expect a prompt response and resolution to this matter within 15 Days from the date of this letter. Failure to address this issue adequately may leave me with no choice but to explore further legal actions to protect my rights and interests as a customer. 

I appreciate your immediate attention to this matter and your commitment to upholding the security and integrity of your services. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation to expedite the resolution process. 

Thank you for your prompt action in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I received an email stating that a company was trying to access my PayPal account for {$530.00}. I had not used PayPal since XX/XX/2023 and have never used it for so much money. I did not receive an order confirmation from PayPal for that amount or from that company and I did not make that purchase or authorize that transaction. I filed a dispute and talked to a customer representative from PayPal who assured me I had nothing to worry about. PayPal sent me an email at XXXX XXXX  today saying that this transaction is consistent with your PayPal transaction history which is a lie. I want that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I had leased a new vehicle from Kia from XXXX and made all of my payments in full and on time each month. At the end of my term, I had returned the vehicle and an additional month was charged and I had no knowledge of it. The debt went on to be 30, 60 and over 90 days late. Ultimately ruining my credit and closing many doors for me for many years. Im still dealing with this issue and all of my efforts made in terms of reaching out to them myself and hiring a company to help me fight this battle were seemingly made in vain. Please help me get my things back in order. I dont deserve this

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 2023-08-31 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-31 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-31 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: FL

Complaint narrative:
This company as a furnisher and a repository has been given ample opportunity to correct all data on the credit report concerning student loans. They were given identity theft reports and there also has been affidavits filed with XXXX stating the same measure. What this may come down to is the securities fraud that they may be acting in as they have been warned several times that they have no consent to continue on the path they are own. I've asked them to produce the original contract and security agreement. They have yet to do that. I also sent them an invoice and Now I will start reaching out to the IRS and The S.E.C. for all of the Breach that has continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexisnexis continues to commit securities fraud by continuing to report false information and trading this information with no consent to all three bureaus. They have been asked to freeze account. They are reporting on background false information allegations. There was also an identity Theft report provided to them. So moving forward i will be reporting them to the I.R.S. and since securities fraud may be taking place here i will go through the proper channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been an American Express Platinum cardholder in good standing for nearly two decades and spend ~ $ XXXX per year on my card. Last month, I added three family members to my card as additional cardholders. This was so these family members could receive AmEx Platinum perks, such as lounge access. This was intended to be a gift to them ( so they did not know I was adding them as additional cardholders ). After adding these family members, their credit scores dropped XXXX points! I called AmEx and spoke to multiple customer service reps who told me that should not have happened because when AmEx reports to the credit agencies AmEx notates additional cardholders aren't responsible for balances. So AmEx said I, as well as the additional cardholders, needed to speak with the credit bureaus. A credit bureau that I spoke with ( who AmEx transferred me directly to ) said AmEx is wrong and that my balances are definitely applied to additional cardholders. Of note, my family members never had to approve being added to my account. So basically a primary cardholder can unilaterally -- and perhaps purposefully -- drop someone else 's XXXX XXXX by XXXX points simply by adding said person as an additional cardholder. All that I needed to submit to AmEx was name and DOB of my family members. Not even SSN. ( AmEx said additional cardholder SSNs get automatically applied if the additional cardholder already has an account with AmEx, which of course many people do. ) AmEx has told me there is nothing that can be done about the situation. Furthermore, and not as important, AmEx had told me before I added the additional cardholders that additional cardholders could not see my own balance. This was not accurate. What they can not see are my individual transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : XXXX XXXX credit score Fair Credit Reporting Act violations Date : XX/XX/XXXX Item Disputed Account name - XXXXXXXX XXXX Account number - XXXX Explanation of why you believe the information is inaccurate History reporting as a new chargeoff even though the account was charged off *6 years* ago Additional comments Equifax Every time I dispute this account my score drops when they update the descriptors/history. XX/XX/XXXX dropped XXXX points ( see attached supporting documentation ). So I disputed it again that the history wasnt being reported correctly - then that dispute resulted this dropping my score another XXXX pts on XX/XX/XXXX, because they reported it as a new chargeoff again ( see attached supporting documentation ). This is for an account that was charged off 6 YEARS AGO! A *9 year old* account that was charged off *6 years ago* should not be dropping my score anymore. Im so tired of this fraudulent account that isnt even mine. 

Theres even a 90-day late reported XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached supporting documentation )! An account that was charged off in XX/XX/XXXX should not be reporting any new 30/60/90-day lates in XXXX. Nothing new should be reported after an account is charged off. This is an egregious Fair Credit Reporting Act violation. 

Derogatory marks are supposed to have less of an effect over time, but the way this account is being reported, the opposite is happening. This is a Fair Credit Reporting Act violation! Because of these Fair Credit Reporting Act violations Ive been denied credit numerous times because of these violations! 

Fix this reporting error so my credit profile is accurate and my score is corrected. This is the only negative item on my report all of my other dozens of accounts are pristine. DELETE THIS ACCOUNT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See attached documents. Remove this information that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XXXX XXXX, I call Navient customer service. I had noticed that 2 variable rate loans ( Parent plus loans ) had recently increased from 4.2 percent ( approximately ) to 8.56.per cent. I asked customer service whether Navient had a legal obligation to inform me of the rate change. One customer service representative replied " Yes '' ; she was unable to locate any notification of the rate change sent to me. 

Secondly, having had the first telephone conversation disconnected by Navient, I called back the same day and asked what the calculation was to determine the varoiable interest rate. 
Customer service informed me that they could not/ would not give me calculation used to determine the adjusted rate. 
The two loans in question go back to XXXX. As of XXXX, the rate on the variable rate loans was approximately 4.2 %. 
Supposedly, Congress sets the interest rate on these loans ; I asked for documentation of the history of these loans going back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I made a payment to my Capital One credit card from my Capital One checking account. The payment was for {$68.00} on XX/XX/. On XXXX I was surprised to notice that my credit card had a past-due fee of {$40.00} posted on XXXX  On XX/XX/ the online ACH Payment was returned. I do not understand how it was returned when the money was in the account. Also, there has never been a time that Capital One did not retry another time if a payment did not go through. Instead, they just charged me a late fee and didn't take the money that was in the account. 

I did not contact Capital One because they only allow calls. They do not allow email or chat. I have no way to protect myself from what the agent says. It becomes my word against the agents. I am not allowed by Capital One to audio record myself. 

I have attached proof of my Capital One account to show that my account had the funds. So I am unsure why the funds were not taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: VA

Complaint narrative:
XX/XX/XXXX : I disputed debt n requested verification of the debt XX/XX/XXXX : collection agency sent a word document with a breakdown of the debt not on letterhead and indicating several damages with no breakdown of cost to repair or photos XX/XX/XXXX : I disputed and requested it not to be reported to credit as valid proof wasnt provided in time under FDCPA. 
XX/XX/XXXX : coll agency received more verification from the client and the client refusal of accepting my dispute. Coll agency claims they mailed me the verification they just received. I did not receive this verification from them. 
XX/XX/XXXX : collection agency reported this to my credit saying I dispute it but it is valid under FDCPA. 
XX/XX/XXXX : Spoke with collector XXXX. She stated that she can not remove it from my credit. Its already listed as being distributed even though she acknowledged that they did not send proper verification of that until XX/XX/XXXX, which is well over the 30 days allowed under the FDCPA. She asked me, then how I intended on paying the debt even though it is disputed, and when I told her that I was still disputing it, so I wasnt going to be paying it at this time. She told me that she would know down my refusal to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-31 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation