vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I got a title loan with Onemain. While getting the information I was told that I had to get the insurance in order to get the loan so I agreed. I looked through my documents and came across another insurance so I called the number in which the person told me that the insurance wasn't mandatory and could be returned. I did that and adjustments were made. However I still feel like I was tricked into this contract and I'm not sure of any other possible mishandling of me as a customer in a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: OH

Complaint narrative:
I had lost /stolen phone and XXXX would only help replace my phone if I started a new line with a new number. Upon doing the application for discover card, my application was approved pending a phone call by discover card to check my identity due to a security fraud alert placed on the credit bureaus after my phone was lost/ stolen. I had the fraud alert removed and phone back to discover bank as instructed by the discover card personal bankers. However, this time the latest discover card personal banker stated they would need to pull another credit report. What?! This is not what the last four discover card personal bankers had stated. My credit report was already access and points deducted from my credit scores. Why would they need to pull another hard inquiry after the last four discover card bankers saying they could finish my application after that fraud alert was removed. Discover card either does not know what they are talking about or the discover bank rep whom I spoke with today did not have the tools necessary to finish my current pending application as she was working from home. All I want is that since discover could not move forward with my pending application since their other agents lied to me, I want discover card to reverse the initial hit on my credit scores. Please. What they did was unamerican. And they are hurting average lower middle class Americans who are struggling to stay afloat during these times of hyperinflation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: GA

Complaint narrative:
There are errors that your company did not remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
I asked not to be called when my loan is late, yes less than 30 days late. I have asked them SEVERAL times not to call me, yet they still call me.

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 2024-03-23 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: GA

Complaint narrative:
They are still showing delinquent reportings for XXXX, XXXX  XXXX, and XXXX XXXX, and all of these delinquencies were related to fraud claims that I was actually cleared on. I have also approached the companies. Also there are several inquiries that are unauthorized that I've also mentioned in previous reports that show up under TransUnion. All of the inquiries that are not related to existing credit cards or accounts or unauthorized. Okay

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 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On Saturday XX/XX/2024, I was notified by Synchrony via U.S. Mail that a recent request for credit through Paypal was denied ( See, Reference Letter Number XXXX ) because of a previous delinquent account with Paypal. I informed them that that I never had a Paypal or Synchrony account. I was then transferred multiple times and given multiple telephone numbers to talk to someone in their fraud department. The fraud department transferred me the recovery department. The recovery department transferred back to another fraud department. The representative I spoke to regarding this issue indicated that there isn't an account associated with me and the number I called wasn't related to Synchrony ( XXXX ), yet I have a letter with a reference number as stated XXXX, and I have evidence from Synchrony recovery department ( XXXX ) indicated there is an account associated with my name and Social Security number ending in XXXX. Therefore, the erroneous and inaccurate information is due to identify theft that I proved to the Credit Bureaus and Collection Agency representing Synchrony Bank. Thus, this inaccurate information is detrimental to my personal consumer credit profile and should be stricken from their files.

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 2024-03-23 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: MD

Complaint narrative:
XXXX XXXX XXXX has not updated my account to refelect a XXXX balance.

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 2024-03-23 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: MD

Complaint narrative:
XXXX XXXX XXXX has not updated my account to refelect a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: MD

Complaint narrative:
XXXX XXXX XXXX has not updated my account to refelect a XXXX balance.

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 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I'm a XXXX XXXX on a fixed income! I reported out of state charges on my debit card, that I did not authorize! On XXXX, at XXXX XXXX  a charge of {$68.00} was put on my debit card from XXXX XXXX, XXXX! My debit card & pin # never left my possession! On the same day XXXX, I withdrew money from an ATM, at XXXX XXXX  in XXXX, XXXX! On XXXX, I reported a charge of {$58.00} from XXXX, XXXX at XXXX XXXX! My debit card & pin # never left my possession! On the same dayXXXX, I made a purchase in XXXX XXXX XXXX, at XXXX XXXX! On XXXX, an out of state charge of {$78.00} was put on my debit card! My debit card never left my possession! This charge was also in XXXX, XXXX! On XXXX, a charge of {$14.00} for a taxi in XXXX XXXX! My debit card & pin # never left my possession!

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 2024-03-23 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: KY

Complaint narrative:
A hacker gained access to my Paypal account and setup a bank account, email and phone. I was NOT notified by Paypal that this happened. On XX/XX/year> I logged into my bank and discovered that {$910.00} was transferred to Paypal. I checked Paypal and found that the hacker transferred money from my legit bank to Paypal balance and transferred the money to the hacker bank account XXXX XXXX XXXX. Immediately, I reported the fraud to Paypal and the case was closed within a few minutes. I called to speak with an agent to report the fraud and was told I set-up the new bank and made the transaction. I maintained that a hacker accessed my account and I did not authorize the transaction and was told to reach out to my bank. On XX/XX/year> I went to my bank to report fraud, close my bank account of 21 years and opened a new account. Paypal is refusing to investigate. My bank restored the money to my account and requested that Paypal return the money to them. I went online to close my Paypal account and they have a negative balance of {$910.00} and placed into Paypal collections. I called collections to dispute the negative balance. I have called and spoke to Paypal agents multiple times and they refuse to acknowledge fraud and continue to blame me. I opened my account with Paypal 14 years ago and not once have I transferred funds from my bank to the Paypal balance, This should have been a red flag and I should have been contacted immediately. Please help me resolve this fraud and clear the negative balance from Paypal so that I can close it.. I am concerned that this hacker used my profile information to setup a bank account with XXXX. I reached out to XXXX and they need the bank routing, account and bank transaction ID. I called Paypal and they refuse to give me the information. Please investigate Paypal. I believe this may be an internal issue and can not get Paypal to acknowledge the fraud or investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: PA

Complaint narrative:
I reviewed my credit report and I noticed a late payment reporting on my XXXX XXXX  account ( account number XXXX ). I was actually not late on this account. According to 15 US Code 1681e, credit reporting agencies have a legal obligation to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have attached a copy of my report to this complaint on XX/XX/24. I am now requesting that you investigate and provide verifiable proof with records showing that I had these late payments. If this information can not be verified, please update these payments to paid on time immediately. Please see screenshots attached. Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I HAVE ASKED RENT RECOVERY SOLUTIONS TO PROVIDE PROOF THAT THEY ARE LICENSED AND BONDED TO COLLECT DEBT IN THE STATE OF GEORGIA. 
( PROOF TO COLLECT LETTER SENT ON XX/XX/XXXX IS ATTACHED ) ( PROOF OF NONLICENSURE FOR THE STATE OF GEORGIA IS ATTACHED ) RENT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XX/XX/XXXX Dear Sir or Madam, XXXX I am writing to request proof that you are licensed and bonded to collect debts in the state of Georgia. If so, please provide proof of the original contract with wet ink signature. As a consumer, I have the right to ensure that any debt collection activity being conducted on behalf of your agency is done so in compliance with state laws and regulations. 
Please provide me with documentation or confirmation of your licensing and bonding status in Georgia. This information is crucial for my understanding and protection as a consumer. 
Thank you for your prompt attention to this matter. I look forward to receiving the required information from you soon. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
On XX/XX/2023 I made a payment on my XXXX XXXX  card for the entire balance of XXXX. I do this at the end of each month with my cards, I pay the entire balance off. The following day on the XXXX they took XXXX. XXXX from my bank again. Then they shut my card off. I have reached out to them for a refund, and they told me to make a copy of my ID, my social security card, and my bank statement showing that they took my money twice, and then mail it to a po box . I did not do this. I have reached out to my bank to try and get the funds and they have not been able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IN

Complaint narrative:
This was an XXXX debt from XXXX, and settled by XXXX. See attached settlement letter. XXXX. XXXX used XXXX XXXX XXXX XXXX, MN XXXX. Original amount owed was {$1700.00}, settlement agreement amount was {$1100.00} paid XX/XX/XXXX. 
Creditor Name : XXXXXXXX XXXX  Ref # XXXX Account # XXXX I notified Jefferson Capitol of this payment and sent them a copy and advised of legal action if they moved forward, and they did.

I know this is a scam, designed to bypass the 7 year statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland Transunion XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX BANK, Account Number, XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards 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 explanation
Consumer complaint received 2024-03-23 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:
In accordance with the FCRA, this company is violating my rights under 15 USC 1681 Section 6 o 2 by reporting late payments to my consumer report. This section states I have the right to privacy. 15 USC 1681 6o2 Section A states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer plan as late for any purpose. I am for all requesting proof of these alleged late payments were late. Please verify the accuracy of these alleged late payments. Lacking proof of these late payments, please update these payments as PAANL status ( Paid As Agreed Never Late ) according to Consumer Protection Laws

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 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One main financial OneMain pressured its employees to load up its loans with extra charges through false promises of easy cancellation with full refunds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: GA

Complaint narrative:
There are errors on my credit report that Transunion did not remove.

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 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Pursuant to 15 USC 1681b ( 2 ), I have requested that this unverified debt be removed from my credit file from the original creditor Capital One. I have no business dealings that include a contract with my signature to this creditor. The creditor have attempted to verify this debt with personal information I have provided in previous communication with them. This is my last request for the alleged debt to be removed. Failure to remove from credit file will result in actions to seek monetary relief for damages as a result of the erroneous filing to credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: FL

Complaint narrative:
In accordance with the FCRA, this company is violating my rights under 15 USC 1681 Section 6 o 2 by reporting late payments to my consumer report. This section states I have the right to privacy. 15 USC 1681 6o2 Section A states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer plan as late for any purpose. I am for all requesting proof of these alleged late payments were late. Please verify the accuracy of these alleged late payments. Lacking proof of these late payments, please update these payments as PAANL status ( Paid As Agreed Never Late ) according to Consumer Protection Laws

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 2024-03-23 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:
In accordance with the FCRA, this company is violating my rights under 15 USC 1681 Section 6 o 2 by reporting late payments to my consumer report. This section states I have the right to privacy. 15 USC 1681 6o2 Section A states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer plan as late for any purpose. I am for all requesting proof of these alleged late payments were late. Please verify the accuracy of these alleged late payments. Lacking proof of these late payments, please update these payments as PAANL status ( Paid As Agreed Never Late ) according to Consumer Protection Laws

Company response to consumer: Closed with explanation