vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep dissatisfaction regarding the ongoing issue with my account at your esteemed institution. Despite my previous attempts to address the matter, the problem persists, and I feel compelled to escalate the issue through this formal complaint. 

I first observed discrepancies in the account opening process, specifically related to delays and inefficiencies in the procedures. I promptly brought this to the attention, who assured me that the matter would be investigated and rectified. 

Following the initial incident, I patiently awaited a resolution. Regrettably, despite the assurances received, no significant improvement was observed in the subsequent weeks. Multiple follow-ups were made, but the issue persisted. 
I again encountered delays and irregularities in my account handling. This repeated occurrence is highly distressing and raises serious concerns about the efficacy of your institution 's processes. 

[ Second Attempt to Correct ] : Subsequently, I reached out to [ Name of Bank Representative ] on [ Date of Second Attempt ] to discuss the matter further. While attempts were made to address the issue, the problem remains unresolved. 

My expectations as a customer include efficient and transparent services, especially concerning matters as critical as account management. The persistent issues I am facing are not only inconveniencing but also eroding my confidence in the reliability of your institution. 

I request that an immediate and thorough investigation be conducted into the root causes of these repeated incidents. Furthermore, I expect a comprehensive and transparent report outlining the steps being taken to rectify the situation and prevent such issues from occurring in the future. 

If the matter is not promptly and adequately addressed, I may have no choice but to escalate this complaint to the relevant regulatory authorities and explore legal avenues to protect my rights as a consumer. I am asking for your assistance to correct this late open account : XXXX XXXX XXXX Balance : {$960.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see attached 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 non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ascension Point Recovery Services, LLC
State: CA

Complaint narrative:
My mother passed away 10 months ago. At the time of her death she has two credit cards with balances of about {$10.00} and {$50.00} respectively. XXXX XXXX. is the creditor for both accounts. I informed both accounts of her passing just a few weeks later and was told that AscensionPoint Recovery Services would contact me as the representative of her estate in order to collect the amount owed at the time of her passing. I was also told that this could take several weeks, but that no late payment fees or interest would be added to the balances. When we continued receiving statements for those accounts showing that late fees and interest were being added to the balances I called again. This time I was told that we could ignore the statements and that AscensionPoint would only request the account balance at the time of death. Over 8 months after my mothers passing AscensionPoint finally reached out to me about one of these accounts and then the other, attempting to collect debts from her estate of about {$160.00} and {$360.00} respectively, balances that DID include all the late fees and interest accrued over the months after my mothers passing. Because so much time had passed and it wasnt a very large sum I initially paid the first account without questioning it. Later I happend to notice my error. When I contacted AscensionPoint about this they were quite gracious in refunding the full amount to me with apologies. At the time, it seemed like an isolated incident and I didnt think much of it. A few weeks later when AscencionPoint contacted me about the second account, once again requesting an amount that was much higher than the account balance at the time of death, I started to get suspicious. I am still in the process of getting the amount they are trying to collect from my mothers estate reduced to the {$50.00} that it should be. It takes time, effort and patience. My experience so far, also from what I can gather from the AscensionPoint representatives Ive spoken to is that its very common for small credit card debts belonging to the recently deceased to be handled in this way. Its not unthinkable that XXXX and possibly other creditors intentionally delay the process of forwarding debt to collectors like AscensionPoint, letting the accounts rack up extra late fees and interest. Bereaved persons like myself, who have taken on the extra burden of handling an estates finances often dont have the time to double check every little thing or the energy to dispute the debts theyre presented with. Im therefore sure many people will pay smaller amounts like this without question. The fact that this happens to me not once but twice is disturbing to me. The question must be asked : Is XXXX intentionally or unintentionally taking advantage of the recently bereaved by charging unwarranted late fees to the accounts of deceased persons?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Due to identity theft I am disputing these inquiries on my XXXX credit report that I didnt not authorize for my credit to be ran. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
In response to complaint XXXX PayPal made explicit that 1. PayPal permits buyers to send business payments ( with payment protection ) without including a description 2. If a description is not included in a business payment, PayPal will resolve disputes ( even obviously fraudulent ones ) in favor of the buyer, without requiring any evidence. 

This creates an obvious problem where PayPal actively participates in enabling fraud to occur, facilitating payments for services that it then guarantees it will refund to the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a bunch of hard inquiries from places I didn't authorize or do myself I don't know how it happened, but I called XXXX they told me it's nothing they can do and call the companies, but all the companies gave me the run around so now I'm filling a complaint against all of them to get these unauthorized inquiries removed as soon as possible.

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 2023-12-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a {$350.00} American Express eGift from my company that is useless. What I thought was a welcome gift coming just in time for the holidays to help buy my daughter gifts quickly turned into a nightmare when I realized the card doesnt work anywhere. I tried XXXX, XXXX XXXX, even several gift card website in hopes of being apple to transfer the balance with no luck. Ive literally spent 3 hours trying to get the card work. I also called customer service with no help and the website does not include which I think it should a list of merchants that will accept the card. Im literally sitting on holiday gift money I cant use and it saddens and frustrates me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: CA

Complaint narrative:
XXXX XXXX and XXXX me and my ex husband XXXX XXXX owned properties in XXXX CA. He indicated to me that we where losing them in foreclosure. He unfortunely went behind my back and filed for bankruptcy to save the homes and continue collecting rent. I was never made aware of this. He filed joint bankruptcy paperwork without my knowledge. My next step is to file a police report with the XXXX  police dept. I am unsure if he filed taxes in those years also.

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 2023-12-14 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: SD

Complaint narrative:
In 2015 my attorney XXXX XXXX XXXX at XXXX sent the required information. The guy that was working on it kept saying they did not get it but it was sent from my attorney 's office until they finally foreclosed illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
The account was opened XX/XX/XXXX the account was closed XX/XX/XXXX. The account was closed due to fraudulent check being deposited into an ATM after hours the check was never cashed out. Upon talking to XXXX I notified them that I didnt do it and had no knowledge of this deposit they said it would be resolved, their resolution was closing the account and reporting it to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: PR

Complaint narrative:
This account was removed from my XXXX credit report for being account that are double billed with the intention of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: NV

Complaint narrative:
I am filing a formal complaint regarding the XXXX account ( XXXX ) currently listed on my credit report. Despite a previous dispute, these accounts have not been removed. 

Account Information : There are several account from XXXX in my report and I am disputing all the accounts and inquiries related to this creditor. 

Creditor Name : XXXX  I dispute the validity of these accounts as I do not recall opening them with XXXX. I am formally requesting debt verification in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The persistence of these accounts on my credit report, despite prior disputes, represents a clear violation of my rights under the FCRA. It is the responsibility of credit reporting agencies to ensure the accuracy and validity of consumer credit reports. 

I demand a thorough reevaluation of this dispute and immediate removal of the contested XXXX account ( s ) from my credit report. Furthermore, I request comprehensive written verification of the debt, including documentation proving my involvement and agreement to these accounts.

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 2023-12-14 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2023-12-13 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: MS

Complaint narrative:
XXXX is fraudulent I never ordered from them someone used my information an ordered merchandise from XXXX I do not have a XXXX account this is fraudulent an shouldn't be on my credit

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All payments were made to XXXX XXXXXXXX XXXX XXXX within 30 days. I have all my payment confirmations. XXXX has reported that I have paid late on six occasions ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). information was only reported incorrectly to XXXX and transunion, experian is correct. I have reached out to them regarding this issue on 3 separate times. And no replies or information were ever provided.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All payments were made to XXXX XXXXXXXX XXXX XXXX within 30 days. I have all my payment confirmations. XXXX has reported that I have paid late on six occasions ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). information was only reported incorrectly to equifax and XXXX, XXXX is correct. I have reached out to them regarding this issue on 3 separate times. And no replies or information were ever provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY

Complaint narrative:
Subject : Opt-Out Request Pursuant to 15 USC 6802-6805, Fair Credit Reporting Act, and Privacy Act of 1974 I trust this letter finds you well. I am writing to formally request to opt-out of certain uses of my personal information, in accordance with the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. 
Under the Gramm-Leach-Bliley Act, financial institutions are obligated to safeguard nonpublic personal information. I am exercising my rights under this Act to ensure that my information is handled with the utmost privacy and security. 
In addition to the GLBA and FCRA, the Privacy Act of 1974 further governs the collection, maintenance, use, and dissemination of personal information by federal agencies. I want to ensure that my rights under this Act are also respected in the context of any information you hold pertaining to me. 
Therefore, I formally request to opt-out of any sharing or use of my personal information for purposes beyond those explicitly permitted by law, including any third-party marketing or promotional activities. I also request transparency in how my information is collected, maintained, and shared in accordance with the Privacy Act of 1974. 
If there are specific procedures or forms that need to be completed to facilitate this opt-out request, kindly provide them at your earliest convenience. Additionally, I request written confirmation that my opt-out request has been processed in accordance with the law. 
Thank you for your prompt attention to this matter. I anticipate your cooperation in ensuring the responsible and legal handling of my personal information in compliance with the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and the Privacy Act of 1974.

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 2023-12-14 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I lost my XXXX  credit card and missed a payment in XXXX. It was reported to the credit reports buereas. After that I made all the payments fully made the account to XXXX and never used the credit card since XX/XX/2023. 

After that I have seen a small amount about XXXX dollar l on the credit with late payment notice reported to credit bureau in XXXX again even though I never used the credit card. I called the XXXX customers service they said it was mistake and help it fixed. 

Yet again in XXXX this year it happened again which was XXXX dollar and started increasing to XXXX and then XXXX $ by month of XXXX I called them again today and they said they were going to fix it. 
This closed by XXXX points on my credit card. 
I am trying to get a loan for my car and it's now impossible to even get approved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
Several months ago I had a charge on my checking account with XXXX Bank from XXXX, for {$30.00}. 

I did not authorize any such charge. I contacted XXXX, and was told I had no orders for that amount. 

I called XXXX and disputed the charge. 

Today I got a letter from TRS saying I owe XXXX {$30.00} for a stop payment. 

I never authorized any such charge to XXXX, and do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: VA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion 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 Balance Owed : {$7600.00}

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 non-monetary relief
Consumer complaint received 2023-12-13 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: VA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX 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 Balance Owed : {$7600.00}

Company response to consumer: Closed with explanation