vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my report and saw 2 accounts that are not mine. These are fraudulent and should be removed as soon as possible in compliance to the FCRA. Thank you. 

XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXXXXXX  XXXX # XXXX date opened XX/XX/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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal sent me a note that I did not pay their card. When I inquire I noticed that they did not send me the statement. When I tried to pay, their system does not allow me to pay on time or pay through another credit or debit card. It seems that they are trying to make it late at all costs to collect the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: NJ

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: NJ

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX at XXXX am while traveling, I received an email from Capital One stating that my checking account had been frozen due to unusual activity. I reached out to Capital One immediately, as I was in the middle of transactions in relation to my travel and could not make any purchases i.e. rental car, bags for flight etc and expressed how imperative it was for them to resolve the issue asap. They asked questions such as who the sender was, purpose of the XXXX  etc. in which I was able to answer every question and to add the sender in question has sent various XXXX  's in the past to assist with traveling expenses. I was then instructed by the investigation team to contact the sender and have them agree to speak with Capital One to confirm the XXXX suspected, which after various calls they were able to make contact briefly but Capitol One stated they would still need further information. After various more calls and speaking with a supervisor, I was promised my checking account would be closed and the banking relationship with Capitol One would end and a check would be sent with my remaining funds ... ... .which I was perfectly ok with at this point because I was XXXX days into my trip and still no updates on when I would have access to my money. Continuing on to XX/XX/XXXX at XXXX am, I receive an email stating that my performance savings account is now closed, which had no association to the investigation and it is not the account the supervisor agreed to close in which I reached out again and was informed there would be no updates on my checking account until the investigation is complete. Following this date, I reached out to Capital One an additional time to speak with a supervisor in the investigation 's department in which he informed me if the sender was able to obtain " a letter from XXXX with an confirmation code included '' stating that the claim either did not exist or was denied, they would be able to immediately lift the hold on my account. On XX/XX/XXXX, XXXX mailed the letter to the XXXX sender in question and once received on XX/XX/XXXX both myself and the XXXX  customer provided a copy via Capital One 's investigation team 's secure email. It is now XX/XX/XXXX the account in question is still open and frozen, and I have not been able to get any updates from Capitol One. It has now been over 30 days and I have exhausted all options and received no input regarding how long this investigation will last even though both myself and the customer of BOA that originally sent the XXXX have completely cooperated and provided all documents requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
This is the XXXX time I have tried to resolve this and this is now placed back on my credit by this company Eastern for XXXX 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 2024-04-16 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: LEXISNEXIS
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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: MD

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.

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 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Wolf River Development Company
State: SD

Complaint narrative:
If eyes into the previous crane financial shortly after they called my job and I told them I dont know who they are. Why are they calling my job and speaking with the secretary thats illegal they send me an email telling me to settle his debt. I dont know who they are or what theyre talking about, theres another violation and theyre also harassing me. They considered harassing my job emailing me. I think I would like to remedy. I want the remedy they keep telling me today I want the remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
XX/XX/year> I disputed to the credit agency to remove because the loan was written paid off balance of XXXX paid and also close

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i checked my report and see fraudulent account. Kindly remove this as soon as possible in compliance to FCRA. Thank you. 

XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Credit Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX  XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Dispute XXXX  Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

I have attached a copy of my report with the accounts in question circled. 







Thank you for your assistance. 

Sincerely, 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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Credit Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX  XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute XXXX  Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

I have attached a copy of my report with the accounts in question circled. 







Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: CA

Complaint narrative:
I recently, I did and investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information if found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Account name : XXXX Account number XXXX Account name : Account name XXXX XXXX XXXX Account number XXXX Account name : Account name XXXX XXXX XXXX Account number XXXX Account name : Account name XXXX XXXX  Account number XXXX Account name : Account name XXXX  Account number 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 2024-04-16 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: CA

Complaint narrative:
I recently, I did and investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information if found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Account name : XXXX Account XXXX XXXX Account name : Account name XXXX XXXX XXXXXXXX Account number XXXX Account name : Account name XXXX XXXX XXXX  Account number XXXX Account name : Account name XXXX XXXX  Account number XXXX Account name : Account name XXXX  Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
My mortgage ( Lakeview loan care ) is disbursing/using my escrow funds with the incorrect amount for school and general taxes on a parcel ( parcel ID XXXX XXXX ). They are claiming my school taxes for this parcel amount to {$5000.00} per year ( or $ XXXX annual ) and my general taxes {$1800.00} per year ( or {$900.00} biannual ). You can find this information in the doucments attached. This is incorrect, I confirmed with XXXX XXXX ( XXXX XXXX, XXXX XXXX, NY ) that for this parcel my school taxes are {$170.00} for the year and general taxes are {$59.00} for the year. 

You XXXX search on XXXX XXXX land records under section XXXX, block XXXX, lot XXXX to find the approriate amounts for school and general taxes. 

I have submitted bills that I received in addition to current land records and my mortgage refuses to correct this problem. I was told on the phone that they verified these numbers on XX/XX/XXXX with a tax collector and that my information is incorrect. 

My escrow is now in a negative balace ( - {$4900.00} ) and they increased my mortgage to over $ XXXX bringing my mortgage to {$5500.00} per month where I was previously paying around {$4400.00} a month. 

Attached is documents providing proof of what XXXX XXXX wants for school and general taxes and then the escrow statement shows they are paying out {$2500.00} twice and {$900.00} twice. Again this is an inappropriate amoutnt and they have already started disbursing it.

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