vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I've had an ongoing issue with logging into my account, since I changed my email, password and number. I am unable to log in on my laptop. I prefer to use my laptop when I use PayPal. I was easily able to do this with my old number. All of a sudden, the issue with the error message will not disappear from my screen when I am prompted to receive a text message. I have attached the screenshots I sent to the CEO, VP and XXXX team over at PayPal. There should be a high-level tech support who can bypass this error and fix this error message I am getting. It is preventing me from using my PayPal account. Please see the attached screenshots

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: OR

Complaint narrative:
I Have reached out to the lender in regards to payments and incorrect information on the account in serval occasions, in XXXX, XXXX and 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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I Have reached out to the lender in regards to payments and incorrect information on the account in serval occasions, in XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: OR

Complaint narrative:
I Have reached out to the lender in regards to payments and incorrect information on the account in serval occasions, in XXXX, XXXX and 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 2024-10-29 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: PA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2024-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I received a collections notice from " IC Systems Inc '' on XX/XX/XXXX for a debt from XXXX XXXX for {$240.00} Not being a customer of XXXX XXXX, I concluded this must have been either fraudulent or a mistake. I sent a " This is not my debt '' letter to IC systems on XX/XX/XXXX seeking documentation of the debt or asking them to cease communications. I never heard from this debt collector again. I thought this matter was resolved. 

On XX/XX/XXXX, I found the XXXX XXXX debt of {$240.00} on my XXXX credit report and filed a dispute with XXXX ( # XXXX ). On XX/XX/XXXX I was informed via email my dispute was completed and I received my dispute results via XXXX on XX/XX/XXXX. The result was " Verified and Updated ''. 

I should mention I have been a customer of XXXX XXXX for several years but there is no evidence of any balance at that account nor have I received any XXXX related communications regarding any claimed debt. 

I contacted the XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and was told via they could not share any information about the debt. I was directed to a Fraud report website XXXX XXXX XXXX XXXX XXXX where the website indicated I needed proof of residence, proof of identity, and a police report for identity theft. I guess I will have to file a police report, where I assume I will be told I need evidence of the debt from XXXX, which they of course will not provide for " security reasons ''. 

I was also directed to the FTC, who then directed me to this CFPB page.

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 2024-10-29 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: DE

Complaint narrative:
I have unauthorized and unveried inquiries on my credit report that needs to be removed immediately. under the FCRA specically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. The nancial institutions I have listed in this report have no permissible purpose by law to contact third parties with my private or personal information this offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. I haven't initiated any tractions with any of these companies furthermore I don't have an account under 15 U.S.C 1639a ( 2 ) for review or collection with any of these companies these inquiries needs to be removed immediately. 

ExperianXXXX 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 2024-10-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: VT

Complaint narrative:
Sold my house and paid mortgage off in full with shell point mortgage servicing company; received statement from them, closing letter, and a check for overpaid interest afterwards- but they're reporting my mortgage as delinquent which is negatively impacting my credit rating. 

Just want the delinquency 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 2024-10-29 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: TN

Complaint narrative:
I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: SC

Complaint narrative:
On XX/XX/year>2024, I had {$2500.00} withdrawn from my account as student loan payment and then again on XX/XX/year>2024, in the amount of {$3000.00} from 'DEPT EDUCATION STUDENT LN '. Of the money taken from my account, Edfinancial claims to have only received {$1800.00} ( on XX/XX/year> ) and {$30.00} ( on XX/XX/year>2024 ) and applied it to my balance. They told me they have refunded the {$3700.00} of the total {$5600.00} that I paid because ( 1 ) " it was the wrong account number '' ( then why did ~ {$1800.00} go through? ) and, in the same call the representative said ( 2 ) " we ( edfinancial ) don't accept saving accounts as payments ( again, WHY did the payment go through and why does the website even accept savings accounts when you are adding a bank? ).

They allegedly filed a financial investigation on my account but, did not give me a timeframe, report number, or even a confirmation email. The representative asked me to call my bank, XXXX XXXX, to which XXXX XXXX responded that no refunds or reversals or money whatsoever has come back to them. I have asked XXXX XXXX to dispute both charges as I suspect there was carelessness on Edfinancial 's part. I come to the CFPB, desperate and scared, and ask that they help uncover the truth of what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
I XXXX XXXX stating that I try sending a certified letter with they are stating that I need to resubmit another other information.

I feel that they are ignoring my request.

I scan all their letters.

Most inquiries are pass old and few are not mine, I acknowledge my other inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Since XX/XX/XXXX, I have been working to secure reimbursement for the non-refundable portion of two XXXX XXXXs one way tickets ( XXXX XXXX ) due to a canceled trip resulting from a car accident and a XXXX XXXX. Despite promptly submitting all requested documents, Chase Sapphire Reserves claims process has been fraught with repetitive, ineffective responses, causing significant frustration.

Timeline and Issues Encountered : 1. Initial Submission on XX/XX/XXXX : I uploaded all supporting documents to address the original list of seven requested items.

2. Follow-up Submission on XX/XX/XXXX : After receiving an automated response requesting missing items, I re-sent all relevant documents, covering every item in the initial request.

3. Third Submission on XX/XX/XXXX : Once again, I re-supplied the documents in response to yet another automated request that merely removed one item from the list, disregarding my previous submissions.

Each time, I received a machine-generated reply that dropped one item from the list without any acknowledgment of my actual submissions. This pattern of removing one request at a time while sending identical responses reflects a disregard for handling my claim efficiently.

4. Contact with XXXX on XX/XX/XXXX : Frustrated by this recurring cycle, I called Chase on XX/XX/XXXX and spoke with XXXX. She confirmed that my documents were in the system and even added a note in my file indicating that I had submitted everything requested. I asked her to clarify exactly what was missing, if anything, or to connect me to someone who could. She advised me that her note will help resolve the issues.

5. Contact with XXXX on XX/XX/XXXX : On XX/XX/XXXX, after receiving the exact same request for documents, I contacted Chase again and spoke with XXXX. She informed me that the adjuster claimed to have attempted to reach me earlier that morning, though I assured her no such call was received. XXXX tried to connect me with an adjuster to discuss the specifics of my claim, but her request was denied, and I was told to continue the same loop of re-uploading documents. She confirmed there was no further escalation option.

Summary of Concerns : Through these interactions, it has become clear that Chases process for handling my claim lacks transparency, accountability, and responsiveness. By the seventh or eighth submission, it seems Chase may finally remove all requested items, yet I suspect the loop will simply restart with the same original list.

This approach leaves the impression that Chases XXXX XXXX claim process may be designed to wear down legitimate claims to a point where customers are forced to abandon them. This lack of meaningful response and excessive repetition does not reflect good faith or respect for long-time customers seeking assistance with valid claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-29 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: Klarna AB
State: CA

Complaint narrative:
I previously have received a counterfeit product from XXXX using klarna as a method of purchase. The issue is that after I returned the product to XXXX and provided them and Klarna with the proper shipping information that proved the product has arrived to their address, both Klarna and XXXX failed to respond to the refund and details. XXXX failed to respond to my attempts to contact them about the matter and Klarna failed to properly conduct my dispute and remove the balance on my account for the charged amount. During the investigation to the dispute, a Klarna " dispute specialist '' asked for me to submit details and information about the product and its return in white i CLEARLY submitted the information to them in the form of screenshots like the ones in the XXXX. However, the supposed specialist handling the disput failed to respond to my emails, acknowledge and verify the information, and also reactivate the payment plan ahead of time before the date they mentioned they would do it if I was not to send them the information I already did. I expect them to get back in contact with me as soon as possible and to cancel the payment plan and remove the balance of the product i have CLEARLY have sent back to the business. At this point there are charging me for a product I no longer have because I have sent it back after they have failed to review the information I have sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2024-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: PA

Complaint narrative:
The company lied about the balance due. They received my payment and saying they did not receive it. The company stopped replying to my emails. I paid the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
This afternoon, I was shocked to find incorrect accounts on my credit report without any explanation. I check my credit report regularly, and this time, unexpected errors appeared. I even tried refreshing my browser, thinking it was a glitch, but nothing changed. I am urging for a thorough review of the documents Ive provided so I can feel reassured and never face this issue again.

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