vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 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: VA

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Attempted to dispute with credit bureaus Attempted to contact comedity bank express for months and they just hang up on me Attempting to report here to have it removed off credit as it was reported only to damage my credit as no way was provided to pay the account they are continuing to mail an old address even though ive reported a new address fir a year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: AR

Complaint narrative:
According to 15USC 1681 the fair credit reporting ACT violated my RIGHTS and shall respect the consumers RIGHT with fairness and privacy AND SHALL NOT UPLOAD ANY ON MY CREDIT REPORT WITHOUT MY WRITTEN PERMISSION. XXXX, XXXX AND EXPERIAN reinvestigate these accounts below. 

XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-30 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: NY

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: NC

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
One main financial is constantly hounding me on line and by mail with fake offers. They gained access to my personal banking information and I fear they are trying to scam me. They did this to my senior mother as well. They guide you through an application and once they get your banking information they cut off. I did contact my bank and tried to revoke consent on third party. But Im feeling upset and harassed. They need to be held responsible for deceptive practices and harassing vulnerable people like myself, who lives with only being on SSDI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have mailed and completed online disputes on my credit report for the following debtors : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have requested to receive documents that have my wet signature that I entered into a contract with, and never received documents. Account with XXXX XXXX has been paid in full and have no late-payments and the company has been reporting incorrectly for the past year. I have submitted and emailed reps at XXXX with proof that the car was paid with a trade in purchase from XXXX. XXXX XXXX is an issue of identify theft and have reported to proper channels this debt has been removed from XXXX and Transunion but yet remain on my report. The other accounts listed I have no knowledge of and are identity theft because I have no knowledge and have made no dealings with these companies

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 2023-08-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
This is between American Express National Bank and me regarding my CD. 
The contact phone XXXX ( NY ) * I recorded most of the conversations with the customer service representatives. 

XXXX XXXX My CD matured. 
XXXX. Prior to the maturity date, I called the above number to request the closing of my account once my CD matured. I was told to request it on the XXXX. I wanted to make sure that I'll get the funds back, I mailed my written request as well. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : I called the same number and requested the closing and transfer of the funds. I was told my funds would be processed next Friday, XX/XX/XXXX. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : The transfer didn't happen. I called again. I was told that it will be processed on XX/XX/XXXX. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : I asked XXXX (? ) about the status of my transfer. The phone call was cut short. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : XXXX answered. It took over XXXX minutes to find out my funds won't be processed until XX/XX/XXXX or XXXX. ( XXXX # XXXX ) It is unbelievable that it takes at least 25 days until my funds get into my hands. Upon maturity, during the grace period, I could request the closing of my account and transfer the funds, which I did. And then I have to wait XXXX to 14 days more to get my money back. The bank is holding my money XXXX and making a month 's profit out of it. It's a shady and cunning practice. The representatives made empty promises too many times, and I am afraid when I see my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNTS : XXXX XXXX {$0.00}

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 2023-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I hope this message finds you well. I am writing to respectfully appeal the permanent limitation that has been placed on my PayPal account ( XXXX ). I believe there has been a misunderstanding or an error in this matter. 

Firstly, I would like to express my genuine surprise and concern regarding the account limitation. To my knowledge, I have always abided by PayPal 's policies and guidelines. I have not engaged in any activities that could potentially violate the terms of use. Therefore, I am led to believe that this limitation might have been placed due to an inadvertent mistake. 

I kindly request that you review my account activity thoroughly. I am confident that upon re-evaluation, you will find no breach of PayPal 's policies from my end. It is of utmost importance to me that my account be reinstated, allowing me to resume my transactions without disruption. 

I understand that PayPal has stringent security measures in place, and I truly appreciate those efforts to ensure a safe online environment for all users. However, in this particular instance, I am convinced that an error has occurred. I kindly ask that you conduct a comprehensive review of my account and its recent activities to rectify this matter. 

I rely on my PayPal account for various essential transactions, both personal and professional, and the current limitation has caused me significant inconvenience. I earnestly appeal to your sense of fairness and justice to re-investigate this case and, if deemed appropriate, lift the limitation on my account. 

I genuinely value the services that PayPal provides, and I hope to continue using them with the same level of trust and satisfaction that I have experienced so far. Your prompt attention to this matter is greatly appreciated. 

Thank you for your time and consideration. I look forward to a positive resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been in pure XXXX due to the fact XXXX XXXX XXXX  has had the wrong mortgage account for over 21 years on my credit report and also they reported the incorrect mortgage account included in my XXXX XXXX  i have all the documents to prove it is false and inaccurate and XXXX is very lucky i can't afford an attorney to sue them. 
So i was put in XXXX because of XXXX negligence and arrogance they ruined my credit and life and put me in pure XXXX because they were being beyond predatory towards me and i hope the CFPB can help me get my life back please punish XXXX and get me some financial compensation because i have nothing, i have never even used my credit ever in my life also a bankruptcy attorney at the XXXX his name is XXXX XXXX and he knows XXXX was and is wrong as two left shoes. I was not allowed in XXXX when XXXX was dragging me to court to even contest or object to anything and the banks should not be allowed to hide behind the courts and ruin someones life just because they filed a judgement i have been through pure XXXX due to XXXX false reporting and they got an extra {$14000.00} i could've used that to buy a new house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
Credit collection agency is not providing proof of debt owed to them. And they are not removing information off of credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/2023, I purchased four Vanilla gift cards from a XXXX store. {$500.00} was loaded to each one of these four cards as evidenced by the XXXX receipt. However, one of the cards couldn't get through the first swipe later on. When I contacted Vanilla gift card center, the customer representative told me that the system record indicated that the card was compromised since it was activated and loaded {$50.00} by someone around one month before I purchased it. The customer representative said that a {$50.00} card would be sent to me later on. I explained that I loaded {$500.00} not {$50.00}, but the Vanilla customer representative insisted that their system record showed otherwise, and I could only receive {$50.00}. Two weeks later, a {$50.00} Vanilla gift card was mailed to me which I refused to accept. 

Due to the XXXX 's purchase amount restrictions, I made a separate transaction for each card. So, I have four XXXX receipts, one for each of the four gift cards. I am not sure which receipt refers to the compromised gift card, so I attach all of the four receipts, the compromised gift card, and the {$50.00} gift card that Vanilla later sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: NY

Complaint narrative:
I am reaching out to Equifax to initiate an investigation into identity theft. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request a comprehensive validation of the disputed accounts following the prescribed procedures. This specific section governs credit reporting agencies ' obligations during inquiries concerning contested data.

Furthermore, I want to emphasize that the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) places a responsibility on data furnishers to furnish accurate and complete information. Due to the evident inconsistencies in my credit report, I demand prompt corrective measures as stipulated by this provision.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
This company is reporting on me and I don't have no idea who these people are they put a judgment out on me and these people here I don't have no idea who these people may be these people could be scheming I know I have went through an identity theft everything supposed to be frozen but these people keep coming at me with some judgment and I don't know who these people is they're harass me and you need to have them stop and pull that judgment off me it doesn't make sense by the god of judgment on me and I don't even know who these people are contracts and all that might be fake check this company out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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 am reaching out to Experian to initiate an investigation into potential identity theft. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request a comprehensive validation of the disputed accounts following the prescribed procedures. This specific section governs credit reporting agencies ' obligations during inquiries concerning contested data.

Furthermore, I want to emphasize that the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ) places a responsibility on data furnishers to furnish accurate and complete information. Due to the evident inconsistencies in my credit report, I demand prompt corrective measures as stipulated by this provision.

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 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I'm writing regarding an unvalidated debt claim from a collection company, stemming from identity theft. Despite my request, the provided documents lack proof of ownership, violating my rights under the FDCPA - 15 USC 1692 ( g ). 

I've suspended payment pending proper validation. I request suspension of collections per 15 USC 1692cI until valid validation is given. 

Without valid validation in 30 days, I'll consider the debt invalid, necessitating deletion and cessation of collection. Questioning their authority to collect due to identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
LOSS MITIGATION APPLICATION BY FAY SERVICING I had fallen into a covid related hardship when I had to take time off from work to care for my XXXX XXXX XXXX during the pandemic when there were no programs he could attend. This lead to my inability to keep up with my mortgage payments. I had applied for assistance several times and was denied. With the assistance of the XXXX XXXX XXXX XXXX, an application was sent to the town of XXXX XXXX, who awarded a check of {$50000.00} to off set most of my debt, Fay servicing refused to accept it and still holds on my application denial. I then contacted CDC, who put in a new application to Fay servicing, proposing to Fay servicing to take the {$50000.00} as a down payment to remodify the loan which they also denied. They are not allowing me any right to appeal. I will kindly need your intervention since losing my home would be detrimental to my son 's health status/condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-30 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: VA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by Toyota Motor Credit Corporation. This account has reached its statutes of limitations because it is over XXXX years old. The contract date of this account is dated back to XX/XX/2016. I want this account removed off all three credit reporting agencies XXXX, XXXX, and XXXX immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.

Company response to consumer: Closed with explanation