vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 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: NC

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I applied for an XXXX store credit card at the XXXX store in XXXX. My credit file received a hard inquiry on XX/XX/XXXX. I was told I'd receive a decision by mail within the next week ( 7-10 ) days. Two weeks had gone by and I still hadn't received any decision by mail or email or text. I decided to reapply by myself online incase my information had been typed in the system incorrectly by the cashier at the XXXX store. After I submitted my application online in early XXXX I received a letter from XXXX XXXX  that was sent on XX/XX/XXXX. Firstly, my name was spelled incorrectly in the letter which threw me off. It was spelled XXXX instead of XXXX. The letter said that I had put in a second application within a 30 day timeframe from the original application and it could not be processed. It had also read that I already received a decision from my first application which I had not. I tried to apply for a college student credit card through the XXXX website and after a review of my credit file with the hard inquiry from XXXX XXXX  they were unable to approve me even though I have no credit line opened with XXXX XXXX. Its the hard inquiry on my file thats inhibiting me from opening a card thats meant for credit card beginners.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit reporting act, 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written consent. 15 USC 1666B : States a creditor may not treat a payment on account under an open end consumer credit plan as late for purpose. XXXX XXXX XXXX has shown late payments on my account for XXXX and XXXX of XXXX, as well as XXXX and XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Per my previous 2 complaints, Mr cooper has been harassing me via phone and text for months. I just receive another automated text, even though I was told they would ensure I would not receive any more automated contacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I applied for an Ulta store credit card at the Ulta store in XXXX. My credit file received a hard inquiry on XX/XX/XXXX. I was told I'd receive a decision by mail within the next week ( 7-10 ) days. Two weeks had gone by and I still hadn't received any decision by mail or email or text. I decided to reapply by myself online incase my information had been typed in the system incorrectly by the cashier at the Ulta store. After I submitted my application online in early XXXX I received a letter from Comenity Bank that was sent on XX/XX/XXXX. Firstly, my name was spelled incorrectly in the letter which threw me off. It was spelled XXXX instead of XXXX. The letter said that I had put in a second application within a 30 day timeframe from the original application and it could not be processed. It had also read that I already received a decision from my first application which I had not. I tried to apply for a college student credit card through the XXXX website and after a review of my credit file with the hard inquiry from Comenity Bank they were unable to approve me even though I have no credit line opened with Comenity Bank. Its the hard inquiry on my file thats inhibiting me from opening a card thats meant for credit card beginners.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted documentation of federal protections for severe XXXX XXXX victims. I was told I needed more supporting documentation. As a US citizen, I am entitled to protections.

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 2023-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I had a fraudulent payment experience on PayPal XXXX of XX/XX/2023. I immediately warned Paypal and my credit card issuer XXXX by phone and email to cancel the payment and take immediate action. 

Unfortunately, neither PayPal nor XXXX took the necessary action against the fraudsters. Although I called them several times and provided all the information, these financial institutions closed the dispute without any action. They didnt even give any information about the fraudsters for 3 months. 

I have classified all files and screenshots about the fraudulent payment. 

The main problems with PayPal and XXXX I experienced are as follows : 1 ) PayPal did not take immediate action to stop the fraud by paying the money to the fraudsters instead of pending the payment although I informed PayPal and sent an urgent email Phishing Department immediately by call and email including the fake emails and all relevant information in detail. 

2 ) PayPal did not continue my case due to XXXXXXXX XXXX opening a case which was made on PayPal 's advice to contact them as the credit card issuer. PayPal still gives the pass to XXXX instead of investigating the fraud case that is caused against them and me. 

XXXX ) The main excuse PayPal mentioned and shared with XXXX to close my case is their policy regarding the selection of the friends and family option made during the transaction. My excuse is that it was the first time I was sending money through PayPal, the person who was the fraudster told my daughter to choose this option to finish the process faster, and most importantly there was no warning on my screen informing me that the payment can not be refunded if I choose that option and if something goes wrong. ( Screen captures of my mobile transaction uploaded ) XXXX ) XXXX contacted PayPal as the merchant and did not investigate the whole transaction as is supposed to be in this clear evidence of fraud. XXXX asked me to give PayPals transaction details instead of asking PayPal about the fraudsters and what they might introduce regarding the fraudulent transactions and all the fake emails they sent to me. I have replied to XXXX to collaborate with PayPal and gather all information from the receiver of the funds who was the fraudster by contacting her. Unfortunately, XXXX didnt mind the response and closed the dispute without any measure. 

I am concerned that neither of these companies has provided any updates on my fraud case or the status of the fraudsters involved. I am unsure if these companies prioritize their customers safety or the interests of the perpetrators. It is important for these companies to uphold justice and prioritize customer satisfaction while still adhering to their policies and maintaining ethical business practices for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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:
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14 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: PA

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
On XX/XX/2023, I noticed there was a charge on my Chime checking account for {$15.00} titled " XXXX XXXX '', I also noticed a second charge that was pending for {$17.00}. It also later posted as a " XXXX XXXX ''. 

I called Chime Customer Support and spoke to two different people about this. They explained that a XXXX XXXX is when you withdraw money from an ATM but they don't remove the same amount of funds from your checking account. For example, you withdraw {$100.00}, however your account only reflects you took out {$80.00}. So, they come back and get the {$20.00} as a XXXX XXXX. At least, that's my understanding. 

My issue with this is I had not used an ATM for 4 months. The last time I used an ATM was back in XXXX on XX/XX/XXXX and another time on XX/XX/XXXX. For both of these times, I was charged the entire amount that was removed from my checking, {$80.00} + {$2.00} ATM fee ( {$82.00} ), and then another fee of {$2.00} from Chime on XX/XX/XXXX, and XXXX XXXXXXXX {$2.00} ATM fee ( {$120.00} ), and then another fee of {$2.00} from Chime on XX/XX/XXXX. 

I am needing Chime to explain to me why I am seeing a " XXXX XXXX  '' months after I've used an ATM for {$15.00} and {$17.00} using math and specific transactions. Because the math ain't mathin ' for me. Both people I spoke to could not do this. The manager I spoke to told me to send an email with screenshots to XXXX. I did this right after I got off the phone with him. It is now 8 days later and I've not heard one word from Chime about this. I've followed up three different times via email. 

I have already moved all my money to a different bank and set up my direct deposit to go to a different bank as well. But I am still going to need an extremely detailed explanation as to exactly why these two " XXXX XXXX '' are appearing on my account. I need statements to fully break down the math.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I logged in to my B of A website to bring the account current for XXXX. A page appeared entitled REDUCED PAYMENT PROGRAM. It offered to reduce our payment from {$190.00} to $ 91 monthly and the interest rate to 2.50 % for a period of 60 months. I checked the ACCEPT box at the top and submitted a payment of {$91.00} which was cashed on XX/XX/XXXX, thereby finalizing the enrollment process before XX/XX/XXXX as required in the contract. I signed at the bottom agreeing that I was entering into a binding contract, and they then closed my account as the contract stated they would. 

They then immediately submitted a derogatory credit report stating I had not made a payment in XXXX which was untrue their own website reflects receipt of two checks in XXXX : {$180.00}, an {$91.00}. I called the office and the call was handled by four different agents, all four of whom practically called me a liar, all four stating that B of A has no such program and that I had not signed a contract. I was told that if I could find the contract I should submit it. Well, here it is attached. The post to my credit report states that the account is CLOSED and the balance of {$4800.00} is CURRENT as of XX/XX/2023. 

I have a signed contract that calls for {$91.00} payments but ALL B of A employees deny they have such a program. The account is CLOSED according to XXXX which ruled in my favor when I didputed the XXXX misinformation and I certainly feel I deserve a letter of apology for false credit reporting which caused XXXX XXXX score to drop XXXX XXXX. They now have again falsely reported I didn't make a XXXX payment. They have destroyed my credit as I have an EXCEPTIONAL PAYMENT RECORD.

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 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Resurgent/LVNV Funding is contacting me again ; EVEN THOUGH XXXX XXXX XXXX HAS DELETED MY ACCOUNT AND IS PAID TO XXXX. THE XXXX XXXX XXXX ACCOUNT HAS BEEN DISHARGED AND DELETED FROM MY CONSUMER REPORT! 
THIS IS A COMPLETE VIOLATION OF FDCPA -AND I HAVE EXPLAINED IN DETAIL BELOW AND ATTACHED PAID OFF ACCOUNT WITH PROOF 1099B. 
I HAVE ALSO SENT TO MY STATE OF MICHIGAN ATTORNEY GENERAL XXXX XXXX. 

RE : CLAIMS AND FAIR NOTICE XX/XX/23 2ND CEASE AND DESIST NOTICE AFTER THE XXXX XXXX ACCOUNT HAS BEEN PAID TO XXXX BALANCE AND DISCHARGED WITH PROOF. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Attorney XXXX XXXX Michigan Attorney General XXXX XXXX XXXX XXXX XXXX, MI XXXX RESURGENT/LVNV FUNDING po box XXXX XXXX, SC XXXX XXXX I am writing this letter to formally enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., in relation to the alleged debt you are attempting to collect from me. Delete your account from my credit report across all agencies now! You at LVNV FUNDING/RESURGENT ARE RUINING MY CREDIT. I WILL ENFORCE CLAIMS OF {$10000.00} FOR EACH VIOLATION. 

I have received communications from your agency regarding the debt in question, and I believe that your actions may constitute violations of my rights as outlined in the FDCPA. Therefore, I am requesting that you cease all communication with me and take the necessary actions to comply with the FDCPA immediately. 

Specifically, I believe the following FDCPA provisions have been violated : Section 805 ( c ) : Communication with Third Parties I have reason to believe that your agency has communicated or disclosed information about my debt to third parties, which is prohibited by the FDCPA. 

Section 807 ( 5 ) : Threatening Legal Actions I have received written correspondence from your agency that suggests legal action may be taken against me without any intention or legal basis for such action. This behavior is in violation of the FDCPA. 

Section 807 ( 10 ) : Using False Representation or Deceptive Means Your agency may have used false, deceptive, or misleading tactics in attempting to collect this debt, in violation of the FDCPA. 

Under the FDCPA, you are obligated to cease all communication with me until you have fully investigated and remedied these alleged violations. 

Please consider this letter as a formal dispute of the paid off debt as well as a cease and desist request under the FDCPA. I request that all communication regarding this debt be halted immediately, and I expect you to respond to this letter in writing within 30 days. 
Failure to comply with the FDCPA may result in legal action, including a lawsuit against your agency. I trust that you will take this matter seriously and act promptly to rectify any violations. 
Enclosures : XXXX XXXX XXXX IRS Discharge of Debt Proof 1099B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I see a charge appear on my credit card without me using it to make a purchase. I notice a charge of XXXX XXXX from XXXX appearing on my credit card before the transaction was completed, I also see a warning saying that I don't have sufficient payment history and an immediate payment of {$2800.00} is demanded.I already reported similar incident that happened with XXXX charge appearing on my statement without a purchase made CFPB case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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:
Under the reference ( 15 USC 1681c2 ) they did not provide documents ive requested with multiple attempts to resolve the issue for the following account listed below. 


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 2023-09-14 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: MO

Complaint narrative:
I requested that the because the collection was both incorrect and invalid, that it be removed from my credit report. And they failed to do so.

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 2023-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief