vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was rear ended. The other driver 's insurance company ( XXXX ) totaled out my car. They then took over financial responsibility for my vehicle. On XX/XX/XXXX, I got on a conference call with an insurance rep at XXXX & at USAA. The XXXX rep said they would send a check to USAA for the remaining balance owed on my car and deposit the remaining amount into my account. On XX/XX/XXXX, I checked my USAA account & noticed my auto loan was still open. I contacted USAA and told them the loan should be closed out. They told me they had not yet received a check from XXXX. I contacted the XXXX rep who had be handling the claim. He confirmed the check had not been cashed. I called USAA, spoke to another rep, she confirmed they had not yet received the check and said the auto policy number needed to be on the check. I called the XXXX rep back and asked if he had included that number. He had not included that number. There was no effort made on USAA 's part to contact XXXX to let them know they needed the policy number, nor was there any effort made on XXXX 's part to find out why the check had not been cashed. The XXXX rep re-issued a check, including the policy number. However, because of the time laps, interest on the loan accrued. I explained to the XXXX rep that because of the time laps interest had accrued, but he made no effort to make his mistake right by contacting USAA to find out the corrected amount due. I have explained the situation to several different people at USAA, and have even spoken with people directly in XXXX XXXX 's office, asking them to either request a check from XXXX for the remaining balance owed of {$59.00} or to cancel the loan. XXXX took over financial responsibility of my vehicle, and it is due to XXXX 's and USAA 's negligence and inability to community that it took a month and a half for USAA to get a check from XXXX. As it is XXXX fault there is an outstanding balance, I am not responsible for the amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Re : Validation Request for Alleged Debt Account Number : XXXX To Whom It May Concern, I am writing requesting that you provide validation of the debt referenced above in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). 

Please provide me with the following information : The name and address of the original creditor. 

The original amount of the debt. 

A complete account history, including all charges, fees, interest, and payments. 

Documentation showing that Credit Collection Services is legally authorized to collect this debt. 

Proof that the statute of limitations has not expired on this account. 

Until you provide the requested validation, I will consider this debt to be disputed, and I will not make any payments. Additionally, I request that you cease all collection activities and stop reporting this debt to any credit reporting agencies until this matter is resolved. 

Please be aware that any failure to comply with this request may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General 's office in my state. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: TX

Complaint narrative:
I want to emphasize that this complaint is not sent in error nor a mistake. Upon thoroughly checking my credit report, I found out that it is full of inaccurate information and not guaranteed to be the maximum possible accuracy. My rights as a consumer is being violated and it is affecting me negatively in ways you can not imagine, hard times are upon me and it would be a big help if these wrong information are corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: TX

Complaint narrative:
I want to emphasize that this complaint is not sent in error nor a mistake. Upon thoroughly checking my credit report, I found out that it is full of inaccurate information and not guaranteed to be the maximum possible accuracy. My rights as a consumer is being violated and it is affecting me negatively in ways you can not imagine, hard times are upon me and it would be a big help if these wrong information are corrected or removed.

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 2024-07-08 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On XX/XX/year> I first sent letters Disputing this XXXX accounts to the credit bureau that Chase seems to be reporting on my credit report, I waited the 30 days and did not receive anything back. Which then I was like ok maybe they didn't get the letter, so on XX/XX/year> I sent it directly to them this time to the address that is being reported on my credit report. Which I have attached said letter letting them know I am disputing this account, and am asking them to validate this account by showing me proof of the following items. 

Validation of Debt : Please provide all documentation that substantiates this debt, including but not limited to : A copy of the signed contract or agreement that indicates I have an account with your company. Detailed account information showing the original creditor, itemization of the debt, and the dates associated with the debt. 
XXXX. Proof of Ownership : Evidence that your company has the legal right to collect this debt, including any assignments or transfers of ownership. 

Along with I asked them to stop all collections at this time, until they are willing to provide me with enough proof to show me that they in fact have the right to come after me. I have no knowledge of having an account with them or signed contract, if they can provide me the proof I am asking for then we can work something out. 

Which they have actually failed to provide me this information. Instead they decided to provide me with a letter that is basically a stall letter. Asking me to very my information to them, along with proof for my address, as my first round I had sent them a photocopy of my Drivers License along with proof of address. I have also provide them with my signature, I would hate for this matter to have to go any other way all I am asking for is the proof which if they are unable to provide the proof them I am asking for this to be removed. IF this is not removed and proof is not provide I will seek other means if need be to get this handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The loan was paid off with the lender, the lender did not process the payoff payment amount in a timely manner after being recieved. The lendor then reported the account as 30 days delinquent on the credit report with caused the XXXX score to decrease. All attempts to contact the lender gets caught in an automated phone loop where it is impossible to speak with a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX, they did not provide me with the original contract as I requested.

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 2024-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: CA

Complaint narrative:
On XXXX XXXX, KLARNA was requesting I pay a balance on the account This balance was paid to the debt collector I informed them of this and provided them copy of correspondence and receipts. They said it was resolved Went back balance still reflected after 7 business days. KLARNA then informed they never received notification from XXXX ( debt collector ) that payment was made yet they adjust my balance to reflect the pyment made to XXXX They told me to reach out XXXX and have them send the notification again. 
XXXX said they did. 

This has been an on going issue and neither XXXX nor KLARNA will help. No one has responded and when they do they blame the other for getting my account updated. 

This affects me and times are hard. Anywhere we can have payment plans are appreciated and I cant use it because the Klarna is staying they havent received a settlement information from XXXX INACCURATE as I received exactly what theyve received even forwarded it. I even put them in the same email to explain and COPIED ALL correspondence into one email. Neither helped. Call truaccord again today At which they said my balance has been taken care of as of XXXX and that klarna was notified. 
Klarna does not show history and is refusing to help me further or allow me to make purchases on their site or their sister site until this balance is paid off. Which it was. I paid the balance a small portion was written off. You did indeed settle this balance for {$100.00}, leaving the remaining amount to be forgiven at {$71.00}.. XXXX has escalated this twice to Klarna and Klarna refuses to adjust the forgiven amount. I spoke with XXXX today with XXXX. 

Klarna sent all my accounts to the debt collector. Which Ive paid. Its not my fault they wouldnt allow us to edit payment changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: FL

Complaint narrative:
I have review my consumer report and I noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have provided screenshots for in the complaint on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand that these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thank you! Please see the screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have review my consumer report and I noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have provided screenshots for in the complaint on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand that these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thank you! Please see the screenshot attached :

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 2024-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
There was a transaction XXXX XXXX with PayPal that was sent in error. The intended person has a similar email address to this one I selected by mistake. The name for this transaction/person is ( XXXX XXXX ) , which does not match the email address ( which is very suspicious ) ( I immediately contacted PayPal and my bank ( XXXX XXXX XXXX ) when I realized this person should not get my funds. PayPal needs to refund this money, or I will possibly have to file a complaint in court and have them pay me directly if this unintended party receives these funds. This transaction was done as a ( good and services ) transaction and therefore I should be entitled to a refund. The other party has not responded because he or she knows they are not the intended party for these funds. I don't know this person. Again, a mistake was made and sent to a similar email address of the intended party. It was not done as a family and friends ' transaction. The other party is supposed to show why they are entitled to this money, which they are unable to do. So, PayPal is supposed to return the funds to the person who it belongs to, person that sent it which is me. My bank said they will get in volved if it is necessary. I am unsure how serious this matter will need to be in order for me to get my refund. I don't know if court needs to get involved. with this matter and have a judge decide on the refund process. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XX/XX/year>, I sent a Family Member {$700.00} though my PayPal account using my XXXX Send Account. My family member did not receive the money, so I contacted PayPal within a few days and all they said was that the money was sent to my XXXX members account and the reversed right away. No money was credited back to my XXXX Send Account or my XXXX XXXX account and after numerous calls to PayPal and promises that a supervisor will call me back or they will be emailing me verification that the money was reversed I still have not received any call or Verification Document that the money was reversed or have not received the money back. I spoke to XXXX XXXX numerous times, and they sent a Letter that there was not issue with the transaction on their side. I am at my wits end and not getting any assistance from PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-08 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-08 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. There are two inquires on my credit report that I did not authorize. The first is an inquire I received from XXXX XXXX XXXX  ON XX/XX/year> and the second inquire being XXXX XXXX XXXX on XX/XX/year>. I DID NOT authorize any of these inquires on my consumer report. Furthermore the XXXX XXXX XXXX negatively affected my score causing it to drop down XXXX points. I have attached a correspondence I received from EXPERIAN of them notifying me that my fico score decreased XXXX points. This occurred on XX/XX/year> the same day that the XXXX XXXX XXXX inquire showed up on my credit. Furthermore the FCRA proclaims that if I did not authorize this on my consumer report it must be removed. 

15 U.S. Code 1681b - Permissible purposes of consumer reports 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. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) As u can see the FCRA states clearly that if a consumer does not authorize the reporting of an item to their consumer report it must be removed. I am demanding that these 2 inquires in regards to XXXX XXXX XXXX and XXXX XXXX XXXX be removed from XXXX XXXX XXXX XXXX consumer file immediately.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. There are several unauthorized inquiries being reported on my consumer report, as well as an account. I have attached the proper documents for your review. Please remove these items immediately.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. There are several unauthorized inquiries being reported on my consumer report, as well as an account. I have attached the proper documents for your review. Please remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: FL

Complaint narrative:
Upon checking my credit report on XX/XX/XXXX, I realized i have several unauthorized inquires on my credit report. This is a violation of the privacy act 1974, also violates FCRA 15 USC 1681 B.

This also constitutes as identity theft being that i never gave any corporation my consent to check my credit or pull any information regarding my estate. 

I have notified the FTC an attached a copy of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: AR

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Inconsistent information from all three bureaus including high balances, and creditor remarks, where all 3 bureaus are reporting different remarks.

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 2024-07-08 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: MO

Complaint narrative:
Inconsistent information from all three bureaus including high balances, and creditor remarks, where all 3 bureaus are reporting different remarks.

Company response to consumer: Closed with explanation