vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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: MI

Complaint narrative:
As I'm paying off my auto loan, I noticed many late payments that are reporting. I do not believe all of these late payments are accurate. It is very important for me to have a correct and accurate report, as it is also the law. My XXXX XXXX account is inaccurately showing late payments. Please investigate and provide proof with statements showing late payments. If these late payments can not be verified, please remove and update to positive status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was reached out to via a friend 's account on facebook messenger. This was not a new friend and not a new account under their name. They told me to go to this website ( XXXX XXXX XXXXXXXX ) and purchase an item, they should send me the item, and refund my money for helping out with their website. To get the item, you had to pay the person I thought was my friend via PayPal. I never got my refund and when I reached out to ask about they said I needed to resend the money because the order was not confirmed and they would refund me twice. I feel for it 3 times, unfortunately. I have filed a dispute with PayPal and XXXX. PayPal says they can't do anything since it was a " XXXX and XXXX '' payment. XXXX says they can't do anything because it is PayPal 's decision. XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I had a personal loan with a company named XXXX for {$11000.00}. I paid off {$3600.00} of which {$1100.00} was interest. I took out the loan on XX/XX/XXXX. I made XXXX payments and unfortunately, I had to file for bankruptcy in XXXXXXXX XXXX XXXXXXXX, to save my home from foreclosure. A company named XXXX XXXX XXXX, then bought the debt and has been sending threatening letters from lawyers to me and is also trying to take me to court. They have also threatened to have me incarcerated if I don't show up to the court hearing.

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 2024-06-04 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: SC

Complaint narrative:
I recently attempted to purchase a car and discovered inaccuracies on my credit report. According to 15 U.S.C. 1681, there should not be any such errors on my report. These inaccuracies are damaging to my reputation.

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 2024-06-04 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: SC

Complaint narrative:
I recently attempted to purchase a car and discovered inaccuracies on my credit report. According to 15 U.S.C. 1681, there should not be any such errors on my report. These inaccuracies are damaging to my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have reached out to XXXX about a repo dated XX/XX/XXXX. The amount of the fees is additional XXXX Total debt is XXXX They are updating the account EVERY MONTH refreshing the account as an active repo. Stating the last payment made was XX/XX/XXXX. It makes other creditors think it just happen and bring my score down.

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 2024-06-05 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: LA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$1300.00}

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 2024-06-04 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:
This account was charged off on the following date XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. The Closed Date is inaccurate, This inaccurate information falsely manipulates the statute of limitations. On day XX/XX/XXXX, I sent a letter to TRANSUNION asking them to reinvestigate these accounts : XXXX XXXX XXXX # XXXX, and here is my tracking number : XXXX XXXX, and XXXX failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : TRANSUNION : XXXX XXXX XXXX # XXXX. include the letter I send to XXXX on the day XX/XX/XXXX include the XXXX receipt on the day XX/XX/XXXX include the XXXX report on the day XX/XX/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 2024-06-04 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: CA

Complaint narrative:
this credit inquiries not autorized by me is some one who has my personal information and tried to open credit card account. XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-06-04 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: SC

Complaint narrative:
*I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. '' ACCOUNT NAME : 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 non-monetary relief
Consumer complaint received 2024-06-04 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: SC

Complaint narrative:
*I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. '' ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: NC

Complaint narrative:
I received payday loans from advance america in north carolina in the XXXX  and was charged large fees and amounts were deducted before they were due which lead to fees from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX is currently on my credit report, which is an auto loan in the amount of XXXX. Looks like it was open since XX/XX/year> without my consent. My identity has been stolen and I had no idea of this. Ive reached out to this company to get more information, but they suggest I file police report or a complaint. Id like this to be removed as soon as possible please!

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 2024-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Macys fraudulently without our knowledge or approval, changed our delivery/home account address on or before XX/XX/XXXX till XX/XX/XXXX, after which our account was sent to collections for a unpaid debt. ( {$12.00} charge plus {$190.00} in fees ). I was ONLY notified of this by a phone call from a debt collector on XX/XX/XXXX. Immediately contacted MACYS to correct their error of the address and subsequent charges, but received no response, only referred back to XXXX XXXX XXXX. On XX/XX/XXXX received copies of the bills in question stating WRONG ADDRESS. We mailed copies of XXXX utility, water, tax bills- ( XXXX pages of docs ) proving there was no change of address ( corresponding to the dates on bills that XXXX 's changed address ) back to XXXX XXXX and XXXX XXXX. 

TO DATE THERE HAS BEEN NO RESPONSE. Have attempted to pay {$12.00}. charge with MACYS and are unable to do so. XXXX were alerted when applying for a Mortgage, that MACY 'S is reporting a CHARGED OFF/CLOSED BY XXXX XXXX. XXXXThis is negatively affecting our credit ( over {$12.00} ) and MACYS and UNITED COLLECTIONS have not corrected the error. Letter dated to MACYS XXXX. XXXX, NO RESPONSE. PLEASE correct this on our CREDIT FILE.

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 2024-06-04 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: SC

Complaint narrative:
*I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. '' ACCOUNT NAME : 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 2024-06-04 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: MA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX  XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

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 2024-06-05 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: NV

Complaint narrative:
I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please review the accounts and update/correct them. 

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 non-monetary relief
Consumer complaint received 2024-06-04 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:
XXXX Account Number- XXXX I recently reviewed my credit report and noticed that it was not reporting accurately. I never even used this credit card. The consumer reporting agencies need to report all information with complete accuracy. This account has never been because I never used it at all. I'm now requesting you investigate this account and update to paid /never late or just delete this account from my credit report immediately. thank you for your under standing and prompt action

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 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NJ

Complaint narrative:
I recently noticed in XX/XX/XXXX that my experience credit report was changed, an unknown collection company, XXXX XXXX XXXX XXXX also known as XXXX XXXX Services was placed on my report as in collections. I disputed this with experience but I experian reported back as confirmed, no changes. I do not have any business with this collection company. I also have had no business or signed any contracts for XXXX XXXX XXXX which this collection company seems to be collecting for or possibly bought out of possible discharge or write off collection. I have never had an account with XXXX XXXX creditor for this associated account or have has any credit card with. I have never filled out a contract for a credit card of XXXX XXXX either to even be placed in collections! I had a credit card with XXXX XXXX bank back in XXXX that I closed, and paid off in settlement, paying less then owed to satisfy and close that account. A XXXX C form was filed as well. 
Somehow, this collections agency is now appearing on my credit report as being originally coming from XXXX XXXX that I never had a credit card with, or signed a credit application for. I believe that XXXX XXXX may have bought out XXXX bank and all its creditors as well as the customers accounts. Accounts like mine that were closed and paid in a settlement for less then owed and then closed are now being bought by collections companies, trying to illegally collect money from accounts that were settled from past banks. This is outrageous and is damaging my credit report as its on my credit report under collections and causing me additional unnecessarily stress and aggregation. This collection agency needs to immediately remove this collection information from my XXXX credit reports and immediately stop trying to collect money from a past creditor, XXXX XXXX who I did not have a credit card with or a contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
During the COVID Pandemic I was the victim of identity theft as were many of us. Needless to say I began reaching out via phone and US Mail to TRANSUNION, XXXX, and XXXX. Despite my efforts to protect my identity and my non-public personal information the aforementioned agencies not only allowed my information to be used, misused, and abused but after I reached out there were still a staggering amount of inquiries added to my credit report at an alarming rate and attack the accuracy as I humbly requested they further allowed the inaccuracies to stay rather than remove them in accordance with 15 USC 1681i

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 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I booked a trip on XXXX XXXX XXXX XXXX, XXXX XXXX, but right after I paid, I realized that Ive put the wrong dates by mistake I was very worried because I did see the non-refundable policy from this property on the detail page. And I also checked the correct dates were actually not available to book, so there was no way to ask for a modification of my booking. Since it was midnight and no XXXX customer agents were available at that time, I only had to contact XXXX  credit card customer service to ask if there was anything they could do to help me with this case. 

The agent on the call, the agent assured me that in this case, I could wait a few days for the pending charge to be posted, and cancel the service and submit a dispute, and eventually get money back with XXXX help. I was hopeful from what the agent told me, so I did what she told me to do, saw the pending charge posted on XX/XX/XXXX, canceled the stay with XXXX the same day, tried to work with them to get the dates modified or get the full refund but all failed. So I submitted a dispute, hoping to get my money back through my bank. After waiting for a few months, I got a rejection from XXXX for my dispute. I called XXXX customer service again to explain what happened and what the previous agent promised me. The new agent asked me to re-open the dispute by submitting supporting documents, which I did what she said. The case was re-opened but I was not being contacted or notified for the final results. I have been tracking the dispute process on my app though for a few months, and no updates until recently, the case was closed quietly. No notification, no contact from the bank, it secretly closed. And of course, I did not get my money back or even get an explanation. 

Since I did not actually stay at the property, I believe they did not have any losses due to this however, I lost {$XXXX} for nothing. XXXX it was caused by my own mistake in the first place, but I acted very quickly to try to correct the mistake, although the policy was too strict for me to do so. Moreover, what the first agent told me made me feel confident to get my money back with XXXX help, which turned out to be not, which is very frustrating : (. And the fact that no communication afterward is also frustrating. I hope XXXX  can help me get my money back as I indeed did not use the service at all. 

Also I was unfortunately impacted by a mass layoff in XX/XX/XXXX, and not yet found a job due to the harsh market. {$XXXX} bucks would really mean a lot to me at this challenging time. I sincerely appreciate it.

Company response to consumer: Closed with explanation