vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: IN

Complaint narrative:
In XX/XX/year>, I requested from Experian to investigate the following accounts reporting on my personal credit : XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX ( open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; XXXX XXXX XXXX ( open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; XXXX XXXX XXXX XXXX XXXX XXXX dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ). Experian 's first response was that they completed their verification of the accounts listed above, but nothing was modified, nothing was updated, and Experian still has not provided me with a description of their investigation. Then, when I followed-up for the requested information, Experian responded that the information I was requesting is part of previous litigation, which is blatantly false. Experian did not respond to my requests to verify these accounts, they did not provide truthful responses as to why they could not investigate these accounts. Experian is in violation of federal law by not investigating, not removing and not communicating with me, the consumer, regarding these errors on my credit report. And the CFPB has recently filed action against Experian for committing the very same actions I've noted above and in previous complaints, clearly demonstrating that Experian has a DOCUMENTED track record of committing sham investigations of credit reports- the very acts I've noted in this complaint!

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My phone was stolen on XX/XX/2024. I noticed unauthorized pending transactions in my Bank of America account and called the bank on XX/XX/2024 to freeze the account. The transactions went through and I disputed them as fraud on XX/XX/2024, but Bank of America denied the fraud claim and is not crediting the transactions.

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 monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
After my car was wrongfully repossessed, I went to XXXX yard to get my belongings. I was told the tow staff would pack my belongings and I could not go to the car. I unwillingly accepted and watched from gate them at the car. Moments later they brought me my bagged belongings, as I search through my bag for paperwork I needed to correct this repo, I informed the staff what was missing, he then willingly stated he would go back to car to look for paperwork. I then told him everything surrounding where the paperwork was is in the bag, so should my paperwork. As this is being said, office staff comes on his walkie talkie and says he should not be out there while I search the bag, thats odd. Another staff person comes out to make situation worst by trying to grab bags with my belongings. My son grabbed them first and simply said " I got it '', the office staff then comes outside and tells us to leave or he'll call the police and to file a complaint on the company site ( as to which I did ) and we left. 

PS. I stated in the questionnaire that I did not get information and I meant as to where my missing paperwork was. Thank you

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 monetary relief
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2025-01-10 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-10 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 am writing to formally dispute the accounts and inquiries reported on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and any unauthorized inquiries or accounts must be thoroughly investigated. I hereby demand verifiable proof bearing my signature or electronic signature for these actions. 

Please note that this letter is being sent directly by me, not through a third party, so I request that you review it carefully. I never authorized the actions reflected in my credit report, and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I have confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate, as I never authorized them. These entries are the result of a data breach or the illegal reporting of my consumer information by creditors or third-party data furnishers.

I respectfully request that you take immediate action to investigate and remove these unauthorized entries from my credit report. 

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

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
My information is in data breach and I have been affected by it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CL Holdings LLC
State: TN

Complaint narrative:
My information is in data breach and I have been affected by it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Below is a a summary of what happened during the investigation. 

I, Submitted to the CFPB on XX/XX/XXXXXXXX MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account number XXXX I am requesting a assignment contract regarding the account listed above This was Sent to company on XX/XX/XXXX The Company responded on XX/XX/XXXX Dear XXXX XXXX : Thank you for your inquiry through the Consumer Financial Protection Bureau ( CFPB ), which we received on XX/XX/XXXX. An investigation of this matter indicates that we are the owner of the above-referenced account, purchased on XX/XX/XXXX, in the name of XXXX XXXX XXXX , under the last four of the social security number XXXX. The balance at the time of purchase was {$760.00}, which is the current balance. A copy of the verification information provided by the seller for your account is enclosed for your records. Please be assured that we are a reputable company. We consider consumer complaints a serious matter, fully respect consumers rights, and apologize for the inconvenience caused to you. Thank you again for your assistance in this matter. This communication is from a debt collector.

This went against the FCRA law -My privacy was violated -This was willingly and knowingly due to the CFPB stating that personal information including SS number shouldnt be written on the sight and mines was. Now I have to worry if my information will be breached because of the company -the information that was giving wasnt even the assignment contract just a bill. They have no signed agreement contract with my signature on it for this account. The account shows that bill is owed to XXXX XXXX  and that XXXX XXXX has ownership as well as assignment contract not Midland credit medical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I used XXXX XXXX as my insurance company for the last few years. My rate was increased dramatically so I switched to another company. The problem is, once I signed on with XXXX XXXX I had to make a full monthly premium payment before they issued me insurance. Sort of like I prepaid for the month. Once I switched insurance companies, I had just paid the said premium for the month of XXXX and wasnt due yet to pay for the month of XXXX. I called and cancelled my insurance the day before my new premium was due for the month of XXXX. The agent I spoke with told me that I did not owe XXXX Mutual anything because I had just paid my premium for the month of XXXX and my premium wasnt due yet for the month of XXXX. He explained to me that the payment that was due the next day for the month of XXXX and since I was cancelling before that payment was due, and was not using the insurance for XXXX, I didnt owe them anything. This was all on a recorded line and took place on XX/XX/XXXX. I asked the agent for reassurance that the call was being recited for my records and he assured me I didnt owe XXXX XXXX anything and in fact he placed me on hold to double check. However, I got a notice from progressive at the end of XXXX telling me I owed them a full months payment for XXXX, a month I was no-longer with the company and have proof I was with Progressive the entire month of XXXX. XXXX XXXX is now threatening to add an amount of {$350.00} to my credit as a debt when I do not owe XXXX XXXX a dime! When I started with XXXX XXXX I paid for the month on the XXXX, in which I paid on time through auto enrollment since XXXX at the beginning of the month for the entire month. So if I had just paid on XXXX for the month of XXXX and then cancelled on XXXX for the month of XXXX before a payment was due, how can I owe them money? Even if my payment was due on XX/XX/XXXX as they said and I cancelled XXXX day later within my grace period before the payment was actually due, how can I owe them a full month in the amount of {$350.00} for a full month. Had they said I owed them for a day, which still dont make sense would have been more logical. My proof is all in the recorded call that took place on XX/XX/XXXX when the agent assured me I did not owe liberty mutual any monies moving forward. I will attach the first withdrawal date which was XX/XX/XXXX which was my first covered month with XXXX XXXX and proof that I had to pay my monthly premium on that date before I could be covered. As with any other insurance company, you pay your monthly premium at the beginning of the month for that month. So there is no possible way I could owe XXXX XXXX for a month I did not use which was XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: IN

Complaint narrative:
XXXX is modifying my disputes in order for the investigation to fall in their favor! Rather than remove the inaccurate information that wasnt reported in a timely manner. 
The cfpb has been notified of the fraud on several occasions & have not acted & if they did act nothing has changed which makes them criminally & civilly liable as well being they have jurisdiction over these matters. At this point the credit bureaus are the identity thieves! Ive found out how my identity has been compromised, I have records through the cfpb notifying them how XXXX is disputing accounts that are in good standing on my credit file that they have no history of me every disputing, therefore destroying my financial reputation etc.XXXX  has put me through financial hardship & I seek relief

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 2025-01-10 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: IN

Complaint narrative:
XXXX is modifying my disputes in order for the investigation to fall in their favor! Rather than remove the inaccurate information that wasnt reported in a timely manner. 
The cfpb has been notified of the fraud on several occasions & have not acted & if they did act nothing has changed which makes them criminally & civilly liable as well being they have jurisdiction over these matters. At this point the credit bureaus are the identity thieves! Ive found out how my identity has been compromised, I have records through the cfpb notifying them how XXXX is disputing accounts that are in good standing on my credit file that they have no history of me every disputing, therefore destroying my financial reputation etc.XXXX  has put me through financial hardship & I seek relief

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am in continued dispute of a PayPal transaction that resulted in a negative balance of {$89.00} on my PayPal account, which is still impacting my ability to fully use my account. I filed a dispute under claim XXXX XXXXXXXX after PayPal attempted to take a payment XXXX my bank account on XX/XX/year> for the XXXX XXXX XXXX XXXX, which was two weeks before the initial renewal date of XX/XX/year>. ( See Exhibit A ) I cancelled the subscription prior to the renewal date of XX/XX/year>. 

I filed a claim to dispute the charges in PayPals Dispute Resolution Center from my online account. PayPal reviewed and denied my claim twice. ( See Exhibit B ) The first time PayPal denied the claim it stated, this decision was made because we received shipment tracking from the merchant confirming that the merchandise was delivered. I responded back by explaining that the item was not for a physical product but a mobile app subscription. The denial was made in error with no valid proof to justify the decision. The second time PayPal denied the claim it proffered another reason, and that reason was not supported by any evidence as well. Both decisions to deny the claim were for spurious reasons. 

I appealed the decision ( See Exhibit C ) and uploaded proof that the product in question was a mobile app subscription and not a physical product and the subscription was cancelled before the renewal date. ( See Exhibit D ) I am continuing to receive email notifications from PayPal requesting payment for the negative balance on my account ( See Exhibit E ), which was caused by PayPals own actions when it attempted to take a payment for a service that was cancelled prior to the renewal date. My bank declined the original transaction for payment. Additionally, I have been in contact with the third-party vendor ( XXXX XXXX ). XXXX XXXX has willfully verified verbally and via my XXXXXXXX XXXX account that the service was cancelled effective XX/XX/year>. PayPal continues to request payment for monies I do not owe. ( See Exhibit F ) PayPal denied my appeal, citing that I should request any documentation they used to support their denial decision. If PayPal had any evidence to share, it could have disclosed it as a part of the actual claim by uploading that documentation to its Dispute Center like I did. It did not. I contend that PayPal has not properly supported its decision to deny the claim. The evidence I provided is clear proof of PayPals internal error as shown by the list of supporting documents below. I uploaded these documents to PayPals Dispute Center to refute the denials and to prove my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advantage Credit, Inc.
State: CO

Complaint narrative:
On XX/XX/year>2024 I send a demand letter for Advantage Credit XXXX proving they had done a HARD PULL on my credit for a Mortgage Inguiry I had made with XXXX XXXX. I had proof from XXXX that it was not to be a Hard Pull but strictly a soft pull. I send them copies of the info that XXXX had sent to me proving they had never requested a hard pull and their info had coded it for a soft pull. I send a demand letter via regular USPS, Certified Mail which they refused to accept and did an online dispute within their system. I sent them proof it was not to be a hard pull on my credit, They ignored all and have not removed from my credit report.

Company response to consumer: Closed with explanation