vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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: MI

Complaint narrative:
I recently received a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently made timely payments on this account, ensuring they're never overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Re : Credit Report Account Name : XXXX XXXX Account Number : XXXX Account Type : Collection Account Balance : {$1000.00} This account does not belong to me and I am requesting immediately removal. I also included a copy of my FTC 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 non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I purchased a XXXX from XXXX and the item arrived damaged. I tried to contact XXXX but their customer service was horrible especially as it was during the holiday season. I filed a dispute with PayPal as I made the purchase using PayPal and provided all the evidence. I even tried to get my local tech repair shop to take a look at it and they said there was nothing they can do about it and gave me a report stating that to provide to PayPal to refund me as they advised that would be my best bet. PayPal then asked me to get an official document from XXXX stating that it was unfixable and when I went to try and do that, I was told by the XXXX technician that they do not provide such documents unless I purchased the item from XXXX then I could take up the issue with them and XXXX would directly refund me but I did not purchase the item from XXXX, I purchased it from XXXX. I provided all the documents and proof of the item being defective and of it being unable to be fixed and all the evidence they would need to refund me. PayPal closed my case and would not reopen and told me to take it up with my bank. The only issue is that by the time PayPal closed my case, it had been over XXXX months since the purchase and XXXX XXXX does not allow disputes to be open past XXXX months of the purchase date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: MRS BPO, LLC
State: CA

Complaint narrative:
I was notified that a collection account was on my credit report. I contacted agency and they were unable to locate account in my name or social security number and legal name XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX reported year after year as not my account. Removed from other XXXX bureaus. Transunion removes and reinstated over and over please investigate and remove permanently

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 2024-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I was charged a {$300.00} holding fee for an apartment at " XXXX XXXX '' with a leasing start date of late XX/XX/year>. On XX/XX/year> the company apologized to me and issued a refund of my holding fee, though this check did not arrive to my hands until much later, they then subsequently attempted to charge a " move-out '' fee of {$300.00} for a unit I never moved into, as the contract was void due to their inability to provide me a unit on time. They have since sent this debt to collections company " XXXX '', who refuses to acknowledge my extensive evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. These collections found with my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization-used my personal identifying information to apply for goods, services, or money and was successful creating some accounts. All is being investigated by FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I had applied for a new credit card for balance transfer. I have attached screen shot of false marketing and gimmick Citi bank is doing. 

I have pristine credit report and usually XXXX of fortunate ones to have XXXX. 

So I applied for balance transfer and my application was immediately approved. 

To my disbelief i only got {$500.00} for balance transfer. So I called them, why and they wouldnt not say why i was given only {$500.00}. The promotion of XXXX balance is only for first XXXX  months. They said they don't have details about my credit and can't disclose why it is like that. They can't increase my credit limit for XXXX months since i opened the account just last week. 

I had similar request from discover credit card and they approved with correct balance transfer of XXXX. 

I think i am educated but lot of malpractice is happening in Citi XXXX cards and not complying with federal practice of fair lending. They are misleading consumer with XXXX % balance transfer etc. 

They also did hard pull on my account and are not accountable for it. 

Attached screen shots and you can google it 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 non-monetary relief
Consumer complaint received 2024-04-22 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: PA

Complaint narrative:
I think FCRA 605B means we must remove incorrect accounts from my credit report. Can you check the documents? Some listed accounts have inaccurate reporting, amounts, and dates.

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 2024-04-22 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon and I did not sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they did not follow the proper XXXX step validation procedure which makes this unfair practices. According to the FDCPA I am entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I have not been able to log in to my crypto.com account in several months ( at least XXXX ) I have also attempted to create a new account with the same issue ( an error message requesting that I reach out to support @ crypto.com ) I have tried to email the support @ crypto.com address several times with no response I tried the chat feature on the srypto.com website at least XXXX times and none of the support staff have assisted. They ask for information regarding the issue, person details to validate the account, send a bunch of troubleshooting that I have already completed then transfer me to another rep like themselves to repeat the same process. 
I reached out to the XXXX XXXX  and was asked to speak to the chat support There is no working e-mail, phone number to call, or support person who has addressed the issue. 

There are thousands of complaints regarding this same issue from users all over the world. 

I am just looking to resolve this quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Under the Sweet v. Cardona Settlement, it was determined my school ( XXXX XXXX University- which is the subject of other lawsuits as well ) committed fraud and my federal loans were ordered to be XXXX and refunded. Private loans taken under the same principle ( being misled by the aforementioned fraud school ) should be XXXX and refunded as well. I have received news that there are applications from Navient being sent out regarding the topic and it's only being offered to certain borrowers. They are being very XXXX about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: GA

Complaint narrative:
I recently review a copy my credit report and noticed that I HAVE FRAUDULENT accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
The company made false reports of my account being delinquent during XXXX. The account is also being false reported as XXXX accounts when is actually only XXXX that the University of XXXX XXXX  is responsible for as agreed in mitigation back in 2013 for collecting tutition against the tuition expempt and making unsafe/ unsound scrutiny against XXXX/XXXX  of the court against Florida and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: OH

Complaint narrative:
On XX/XX/2024 i sent in a dispute letting Experian, XXXX, and XXXX know that they are reporting the wrong balance on my credit report regarding the account : XXXX XXXX currently on my report. Pursuant to 15 USC 1681 : ( 1 ) The banking system is dependent upon fair and ACCURATE credit reporting. I spoke to a representative named XXXX over the phone to have the Dispute expedited and he assured me they would review my information with in XXXX XXXX hours. Not even XXXX mins later i receive an email saying my dispute has been completed. Yet again the same incorrect balance still reported. I then went ahead and let the company XXXX XXXX XXXX which is the creditor reporting the tradeline account know that the balance they are furnishing to the XXXX XXXX agencies is incorrect and needs to be updated immediately and i also sent the company a cease and desist letter to stop the collection efforts for a debt that had already been satisfied. The company responded back to me on XX/XX/2024 stating that they will no longer report mis information regarding the account in accordance with 16 CFR 313.4 because i am entitled to financial privacy. I then let the XXXX credit reporting agencies know the company XXXX has complied with my request and that the correct balance needs to be updated as paid off as agreed and requested that the balance be disputed again for the XXXX time. Experian opened up a dispute and within XXXX hours the balance was still the same reporting negatively on my report. I called all XXXX agencies again to try and resolve this issue on XX/XX/2024 once again and opened a XXXX dispute with the company and even providing proof of the XXXX copy filed on my tax return showing that this debt has already been paid off. Pursuant to 16 CFR 433.2 on my XX/XX/XXXXXX/XX/XXXXAgreement : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. This has been grueling process and has taken a huge toll on my mental health. If the balance on this account is not reported correctly as closed : Paid off as agreed, i will be pursuing legal action in federal court for willful negligence of reporting false information under the Fair Credit Reporting Act and as well as getting the Internal Revenue Service XXXXXX/XX/XXXX Involved with this case.

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 2024-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 A states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' non-public personal information. '' ( Conserve ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. ( Conserve ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Conserve ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Conserve ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item that they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
XXXX Tried to log into my account and could not. 
XXXX called and was told had a restriction on my account due to another persons account. 
XXXX was told l can appeal a decision on my account however not sure why its a restriction on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: GA

Complaint narrative:
I recently received a copy of my credit report and noticed that I had fraudulent accounts and inquiries on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit. If not you are opening yourself up to litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear XXXX XXXX I am writing to you regarding my [ credit card/account number ] XXXX XXXX XXXX XXXX with your company. I recently discovered that there is a late payment recorded on my credit report for the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ]. I am writing to request that this late payment be removed from my credit report. 

The reason for the late payment was due to unexpected financial hardship. 
I understand that maintaining a positive credit history is essential, and I have been a loyal and responsible customer with your company since XXXX XXXX. I sincerely hope you will consider removing this late payment from my credit report as a gesture of goodwill. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 2024-04-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear XXXX XXXX I am writing to you regarding my [ credit card/account number ] XXXX XXXX XXXX XXXX with your company. I recently discovered that there is a late payment recorded on my credit report for the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ]. I am writing to request that this late payment be removed from my credit report. 

The reason for the late payment was due to unexpected financial hardship. 
I understand that maintaining a positive credit history is essential, and I have been a loyal and responsible customer with your company since XXXX XXXX. I sincerely hope you will consider removing this late payment from my credit report as a gesture of XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief