vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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 2023-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
InXX/XX/2023 I received items from merchant XXXX that did not match the description on the website. Initially, the company was unwilling to provide a return shipping label to me so I could mail the items back. However, I was provided a shipping label on XX/XX/ and the items were successfully shipped back to the merchant. The dispute with this merchant is STILL in limbo between PAYPAL and PAYPAL CREDIT ( XXXX XXXX  ). XXXX XXXXXXXX XXXX, the dispute was CLOSED on XX/XX/. However, the case is still OPEN in the PAYPAL system and has NOT been reviewed since XXXX. I EMAILED PAYPAL with the CLOSURE LETTER I received from PAYPAL CREDIT ( XXXXXXXX XXXX ) **THREE TIMES** yet the case remained OPENED and UNRESOLVED. I have contacted BOTH PAYPAL and PAYPAL CREDIT and NEITHER company has been helpful. Each representative points the finger at the other and I was left with no resolution. I have been hung up on REPEATEDLY and spent HOURS on hold seeking resolution. I explained to MULTIPLE representatives AND managers that there appears to be a glitch in their systems which is holding up the resolution of the case, but NEITHER company offered assistance to fix this issue and its been ongoing for over 2 MONTHS now. I even asked PAYPAL CREDIT XXXX XXXX XXXX  ) to stay on the phone with me and help facilitate a resolution with PAYPAL. Instead of assisting me with the issue, the representative placed the call BACK IN QUEUE and I had to go through the prompts all over again!! XXXX has already agreed to refund my money ( {$220.00} ) once the case is CLOSED. However, since its still OPEN in the PayPal system, they are unable to move forward with processing the refund. PAYPAL and PAYPAL CREDIT ( XXXX XXXX ) need to get it together and ensure their systems are updated and capable of addressing consumer issues. Im annoyed and dont want to do business with ANY of these companies going forward. Poor leadership, poor processes and poor controls! 

I DO NOT HAVE ANY OF THE ITEMS I PURCHASED AND THE COMPANY HAS YET TO PROVIDE ME WITH A REFUND. This case is STILL open and the PayPal Inc system has NOT been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
BRIDGECREST CREDIT COMPANY , LLC has not been able to verify this account and the credit bureaus XXXX and XXXX are refusing to remove the account from my credit report I have written them multiple times and they have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I found out I have XXXX ( XXXX ) and contacted my mortgage company to find out my pay off price as I will be having alot of Hospital bills and I do not want to get behind in my house payments. They responded and I had to liquidate all my stocks to pay off house and money for bills. I sent them a cashiers check to pay off the house and they just called me and told me that they put my check into an Unsecured Fund instead of paying off my home. They are demanding I send in a house payment and late fees even tho they have the check to pay off house. Plus late fees. They are purposely. holding the check to extort more money from me and I can not spare another house payment my husband and I are on Social Security. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credova Holdings Inc
State: PA

Complaint narrative:
On the date of XXXX I tried to extend my credit to Credova they denied me for the reasons of Your credit score : XXXX Date score was reviewed : XX/XX/2021 Scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your credit score : ( XXXX ) THE DATE THAT YOU OPENED YOUR OLDEST ACCOUNT IS TOO RECENT ( XXXX ) TOO MANY BANKCARD OR REVOLVING ACCOUNTS WITH DELINQUENT OR DEROGATORY STATUS ( XXXX ) YOU HAVE TOO MANY DELINQUENT OR DEROGATORY ACCOUNTS ( XXXX ) LACK OF SUFFICIENT RELEVANT REAL ESTATE ACCOUNT INFORMATION None of these key factors are defining causes of a determination to denying me for extending my credit. I did this in good faith it was no ill will or anything so idk why I got denied. Soon as they got the credit application that should have been the end of it this is a consumer credit transaction. The transaction was me trying to extend my credit. Credit scores are not a key factor in determining if im credit worthy.

15 usc 1681m ( b ) Adverse action based on information obtained from third parties other than consumer reporting agencies ( 1 ) In general Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2023, Experian fraudulently reported that a vehicle, which I did not own, was repossessed. The facts are completely in error, and the credit reporting companies have used my name and information for commercial purposes without my consent. 

I have attempted to resolve this matter, and as of this date, the credit bureaus have either not responded, or they have intentionally refused to provide any documentation to refute my claim, or show proof that my claim is without merit. 

I am prejudiced by this entry, as it is fraudulent, and no company or credit bureaus seems willing to correct their errors of fact. This matter is now more than seven years old and they are still reporting misleading and erroneous fraudulent information. As a result, my car loan interest rate is at an exuberant rate which I need in order to continue to earn a living. I am close to homelessness where I have to choose to find a closer job. 
In accordance with the Fair Credit Reporting Act ( Experian ), Acct No. ( XXXX ), has violated my rights. 15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I relocated my business early in 2023. At the time, I notified all interested parties of my change in contact information, including my new address. I encountered no issues with any of the ( numerous ) parties updating this information -- except or Capital One. On my XXXX or XXXX phone call, I was finally assured that my account information was updated. 
I recently moved my residence. Once again, I notified all interested parties of my new contact information. Once again, I encountered no difficulties -- except for Capital One. 
In the course of my phone calls with them, I learned that they in fact never updated my address the first time -- and were unwilling to do so unless I purchased new technology that would conform with their protocols. I am unable to provide the " verification '' which they require unless I text or email them my driver 's license or something similar. I am unable to do so, so they tell me I'm out of luck. I have literally spent multiple hours on numerous phone calls only to get nowhere. It is clear that is exactly where the company wants me to get. To be fair, the unfortunate employees with whom I have conversed have all done their best to assist me and were very polite. It is clear that their hands are tied. 
I have been a customer with Capital One for decades. I have never cashed in any of my points, but had been anticipating doing so as I segue into XXXX ( I will be XXXX XXXX XXXX next month ). 
I am concerned for my fellow XXXX citizens who may also be unable to surmount the same obstacles ... causing them to pay their bills late, damaging their credit ( with the potential myriad effects upon their lives ) and have their accounts terminated ( losing points collectively potentially worth XXXX XXXX XXXX XXXX XXXX that they may have been accumulating for decades, like myself ). 
Capital One 's inflexibility on this issue is unlikely to be coincidence. I believe that they are intentionally attempting to exploit XXXX citizens ( who are well-known to frequently struggle with technology and often lack the know-how or resources to purchase new technology ) for profit. At the very least, company superiors must be aware of this consequence and like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Maximus Federal Services, Inc.
State: KS

Complaint narrative:
Aidvantage website doesnt allow for practical repayment options and drastically over complicated the process with the intent to deceive and swindle. They do not provide total interest payment info for any options and provide no regular payment plans. They do not take calls, they have a non functioning phone application and website. They are intentionally making it more difficult to repay loans to maximize interest gained.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with fair credit reporting act.This creditor has violated my rights. Under 15 US C 1681 section 602 states that I have the right to privacy. 15 US C 1681 section 604A Section 2 it also state that a consumer reporting agency can not furnish an account without my written instructions. Under 15 US C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

Company 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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with fair credit reporting act.This creditor has violated my rights. Under 15 US C 1681 section 602 states that I have the right to privacy. 15 US C 1681 section 604A Section 2 it also state that a consumer reporting agency can not furnish an account without my written instructions. Under 15 US C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

Company 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 2023-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I on a fixed in and the loan amount is XXXX XXXX  I have been paying XXXX XXXX  every month for over a year and I still own them XXXX. The loan amount has not changed no matter how much I pay over this XXXX dollar amount, plus then my account was hack and I am trying to get that fixed I got a letter from them titlemax but that letter didnt keep my accounts from getting hack the hacker had all my information they got from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX used the credit services provided by XXXX to run his XXXX credit report. 

He was in collections for {$320.00} to XXXX XXXX XXXX, account number ending in XXXX. 

The account was opened on XX/XX/2019, according to the XXXX credit report. 

XXXX hasn't given anyone the go-ahead to exploit his information, and nobody ought to have access to it either. 

XXXX is a victim to Identity

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX used the credit services provided by XXXX to run his XXXX credit report. 

He was in collections for {$320.00} to XXXX XXXX XXXX, account number ending in XXXX. 

The account was opened on XX/XX/2019, according to the XXXX credit report. 

XXXX hasn't given anyone the go-ahead to exploit his information, and nobody ought to have access to it either. 

XXXX is a victim to Identity

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 2023-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake is attempting to collect debt from a car that was filed with bankruptcy from U.S. Auto Finance. I never signed a contract with westlake and now they have sent a tow truck to steal my car out of my property at XXXX XXXX  this morning. That is my only vehicle to take my XXXX XXXX XXXX XXXX to therapy and now I can't even take him to school. I tried to stop the guy I recorded him and I threatened to call the police he got scared he knew they are doing wrong and left fast. My lien holder is still showing U.S. AUTO on my title per DMV. I ALSO HAVE PROOF THEY ARE. U.S. Auto Finance and westlake are committing fraud. U.S Auto has breached my contract already by not upholding my warranty on my vehicle. This is very upsetting the emotional destress I have been through since XXXX XXXX this morning.

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 2023-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
My phone was stolen, the person that has it was able to get into my phone and send themselves all of my money. I received a notification on my other phone saying that I sent someone with the number XXXX XXXX XXXX I canceled that and tried reaching out to my bank for help on why this was happening then it happened again so I canceled it and proceeded to reach out to my bank then it happened a third time but the third time it went through completely and I was unable to cancel it. It was all the money I had on in that account I would never send that much money to anyone. That phone had a lock on it so I assume the person who took it knew exactly what they were doing. My bank has denied my disputes and refuses to give me back my money. This was an unauthorized transfer. I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1980 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XXXX  : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. 
Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief