vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted XXXX and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX  for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX I need help with Transaction ID XXXX Transaction date XX/XX/year> for {$7.00} USD I never got the payment into my account and I need it to be track down or trace and to be send to me in a check to XXXX XXXX XXXX XXXX PA XXXX because I have contact XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX to report it to them they tell me to contact yall to report the issue to get it reported and track it down and trace to see why I never got it and reimburse to XXXX XXXX XXXX XXXX Pennsylvania into a check because I dont have access to my old account ending in XXXX no more. 
Your XXXX Referrer Header Privacy Settlement Payment Inbox XXXX XXXX XX/XX/year>, XXXX to me Hello, XXXX XXXX PayPal XXXX XXXX XXXX XXXX XXXX has sent you {$7.00} USD. 
Note from XXXX Referrer Header Privacy Settlement : quote Your XXXX Referrer Header Privacy settlement payment is now available in PayPal. 

Thank you. 
quote Transaction ID XXXX Transaction date XX/XX/year> Money received {$7.00} USD Please note it may take a little while for this payment to appear in the Activity section of your account. 
Get Details If you have any questions about this payment, you can send an email to the settlement administrator or call at XXXX. 

PayPal Help & Contact | Security | Apps XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Not sure why you received this email? Learn more XXXX XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXX : en_US ( en-US ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I attempted to have Experian to check the accuracy of these account on my consumer report. I reached out to the company directly as well, these accounts have been removed from my XXXX consumer report.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I received a notification on my XXXX credit report that a debt collection agency has a debt in my name. I researched all of the details to this alleged debt and came to the conclusion I was a victim of identity theft, the charges were fraudulent stolen from an address in Texas that I have no association with from an energy company that I have never heard of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX I purchased a couch from XXXX XXXX furniture store and went through an in store ACIMA finance rep. I was not given any disclosures for my APR and I noticed I was consistently being overcharged more than my agreed to amount in my lease agreement. The early pay off option was more expensive than the couch was originally. I just called and asked for explanations referring to my lease agreement and they could not provide any. I have paid over {$1000.00} for an {$1800.00} couch and I still owe over {$3500.00} on it in payments or {$2000.00} to buy out now with a 25 % discount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX  Account # : XXXX Date Opened : XX/XX/year>XXXX  Balance : {$7400.00} Payment Status : Repossession

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: CA

Complaint narrative:
American express gift card worth {$50.00}. We used {$19.00} in one transaction. All subsequent transactions were rejected. 
Called the number on the card and we were told the card had fraud alert and we couldn't use it until we provided the following : printed receipt of the last transaction, driver license and address. 
Problem is that we don't have the receipt anymore and Amex refused to give us the money. We lost {$30.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
USAA forced me to lock in my mortgage rate by giving me inaccurate information. I had provided USAA with all of my income information, including both of my jobs, upon applying for my mortgage loan in XXXX. Both my Loan Officer, XXXX XXXX, and my Mortgage Processor, XXXX XXXX, had overlooked this information until XX/XX/XXXX when, while reviewing my income information over the phone, my secondary income with the City of XXXX, was not included. When I brought this to their attention, they asked to me to provide my W-2 's for the past two years, my most recent pay stubs, and to provide contact information for the Human Resource Office for my secondary job. I provided all of this information on the same day, XX/XX/year>. 

Upon confirming with my realtor our desired closing date of XX/XX/year>, XXXX XXXX stated that he would verify my employment with the City of XXXX on XX/XX/year>. I was advised by XXXX XXXX that in order to complete the loan package in time, I must lock in my loan rate no later than XX/XX/year>. This date was provided because XXXX XXXX stated that the loan review process took 7 business days to complete, and the XX/XX/XXXX holiday would not count towards the 7 days. 

On XXXX XXXX, at XXXX XXXX  XXXX XXXX sent me an email stating that the final review of my loan application would have to be delayed until XX/XX/year>, since the Human Resource Officer at the City of XXXX would be on leave until XX/XX/XXXX. I had just locked in my loan rate with XXXX XXXX around XXXX on XX/XX/XXXX. Had this information been provided sooner, I would not have locked in my interest rate. This lack of coordination is now costing me, my family, and the seller unnecessary financial strain. We may even lose this home because of this incident. 

Once I was notified of this delay, I requested that my rate lock be removed immediately. XXXX XXXX stated that he could not do this. 

The Duty and Integrity exhibited by our Veterans should also be emulated by the USAA employees who serve them. This level of service is very discouraging and unexpected from USAA as I have been a member with them for nearly 20 years.

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 2024-11-07 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I called Shellpoint Mortgage to have them PAY my insurance to XXXX. XXXX was on the call with the mortgage rep and he said that he'd make payment the same day to XXXX. This was in late XXXX. 

Payment wasn't received by XXXX, causing them to drop me from their insurance. SHellpoint is going to assign me to another insurance company of THEIR choosing. 

Totally wrong on Shellpoint 's side.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Your agency has placed an unauthorized collection on my credit file without required notice. I dispute this debt 's accuracy and demand immediate validation as required by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank This started in XXXX of 2024. I received an e-mail from the CDDO department with U.S. bank. CBD OC stands for consumer outreach. They requested that I fill out a form called the Beneficial Owners Certificate. I complied with their request and filled it out and sent it back to them, they contacted me and requested changes to the form. I made the changes and sent it back to them, this continued through XX/XX/year> they had closed the credit card that was associated with this business account. I went to see the branch manager to show him a letter that stated that they were going to close my accounts by XXXX the XXXX if I did not reply. And they did close the credit card on XX/XX/year>. This caused several problems for my company as I have marketing fees that are taken out along with other company related fees. The branch manager called the department CDDO and they stated that they had received the form and that we were good. After waiting a couple of days, the credit card would not work again so I went into the branch location and talked to the branch manager again and he presented me with a form that he helped me fill out that they had rejected the one I had sent in previously, and said my credit card would be opened again. 
On Monday XX/XX/XXXX I got a notice at my checking account that was overdrawn and there was no money in the account. I went into the branch and the branch manager got a hold of the department again and they stated that they had closed the account, but had determined this was a mistake and they closed it on Monday morning and opened it again with insufficient funds, and they said that they had mailed me a certified check that I would receive in a week or so. The problem is that they drained all the money out of my corporation, and I am not able to pay my bills or to pay my payroll. 
I'm still waiting to receive the certified check, there is no way to track the check or to know if it's even in on the way and I can't make payroll. When I mentioned to the branch manager that this was a concern and that I would be turning this over to an attorney, he stated that I signed a waiver that the bank could close my accounts for any reason whenever they wanted to. 
The Branch manager offered to put the funds back into the account for me from the banks general account and when I received the check I would give it to them. The Department said that they would not do this. I feel they are punishing me for making life difficult for 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 explanation
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
On XX/XX/year>, a notarized affidavit was sent via certified mail and the consumer reporting agency has not complied with the legal and lawful demand to block information on the basis of a misrepresentation of fact. This complaint is a further claim and additional evidence to make the Consumer Financial Protection Bureau aware of the breach of contract on the federal level. Please see attached documents so that you are well informed.

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 2024-11-07 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: TX

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON 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 2024-11-07 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: CA

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$8300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$7100.00} XXXX - XXXX - XX/XX/XXXX - {$2800.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX has stated I owe a debt of {$680.00} from LVNV LLC. Would not give me any information as to the name and address of the originator of the debt. Made me give my information then stated I didn't live there and wanted another address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding an issue I encountered with Navy Federal Credit Union ( NFCU ) concerning my checking account. I opened an account with NFCU on Wednesday, XX/XX/year>, and after one month, I was informed that my account was closed due to an alleged fraudulent opening. Despite this claim, NFCU has not provided me with any explanation as to how or why they determined my account was opened fraudulently. 

Additionally, NFCU has retained my initial deposit, which I made at the time of account opening. I have contacted NFCU multiple times to request clarification on the reasons behind the account closure and the retention of my funds, but they have yet to offer a satisfactory explanation or resolution. I have requested details about the nature of the alleged fraud and the status of my deposit, but my inquiries have gone unanswered. 

This situation has caused me undue stress and inconvenience, and I am concerned that my rights as a consumer have not been properly respected. As a result, I am requesting the Consumer Financial Protection Bureaus assistance in investigating this matter and facilitating a resolution. I would like to understand the reasons for the account closure and, if applicable, receive a full refund of my initial deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: Global Lending Services LLC
State: NC

Complaint narrative:
ON XXXX XXXX THESE COMPANIES DID A HARD INQUIRY THAT I DID NOT AUTHORIZE FOR AN AUTO LOAN. I REQUESTED THE COMPANY TO REMOVED IT AND WAS TOLD THEY COULD NOT REMOVE IT. ON XX/XX/year>, PURCHASED A CAR WITH XXXX XXXX  AND ONLY APPROVED WITH THAT COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove from report. Company response has been more than thirty ( 30 ) days. ( FCRA ) Company response is in progress as of XX/XX/2024

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 2024-11-07 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: FL

Complaint narrative:
Please remove from report. Company response has been more than thirty ( 30 ) days. ( FCRA ) Company response is in progress as of XX/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 explanation
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Your agency has placed an unauthorized collection on my credit file without required notice. I dispute this debt 's accuracy and demand immediate validation as required by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation