vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The theft using my information opened checking account ending XXXX, in capital one. The account was opened at XX/XX/XXXX, closed XX/XX/XXXX by the theft. I contacted capital one and case number is XXXX. 
I also found capital one had put a hard inquiry on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: TN

Complaint narrative:
pay off loan XX/XX/23 have not receive title its been over 2 mo. talk to supervisor XXXX XXXX and other reps.about receiving title westlake financial XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX pay out amount {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I have a citi best buy account. great card no issues. However on CITIBANK NA, BEST BUY ( Bank ) XX/XX/2022 i had asked for a credit card increase. I was told by there customer service rep this would only be a SOFT pull that's why I did it. When I later looked they had made it a hard pull and explained how the customer service rep provided wrong information. They had told me would give me a courtesy an remove the hard inquiry for the increase for being a valued customer but it had never happened. I have tried on multiple times to fix this since and it has never happened. I have no issues with the credit card, the store and bank. I will continue doing business with them as there company I always recommend.

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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I made a settlement with portfolio recovery for an account that they illegally bought from XXXX  XXXX. This company has been stalking me since XXXXby requesting unauthorized inquiries on my credit report through XXXX credit bureaus, in which XXXX deleted all inquiries in order to hide a paper trail but I have the screenshots. The only reason I settled with portfolio recovery was to move the process along with a potential mortgage lender. Portfolio recovery along with XXXX is trying to extort more money out of mean by putting comments on my credit report like potentially negative and they also reported false information that I owe a remaining balance of XXXX. The letter I received state that the debt was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have spoken with experian and XXXX XXXX a few times for some reason they have 7 XXXX XXXX has one my addresses i never lived there. They both said would be removed from my credit report countless times but neither has done so. I do not live there. I do not get mail there.

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 2023-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
I was approved for a loan as I have previously had a loan with the company in the past. Upon approval, I noticed the funding would be sent to a old checking account which was now closed. I attempted to contact Wise Loans, in which I was told of the account is closed it would take 8 days to bounce back. After that time, I would then be able to call back and give new account info. I waited the allotted time and reattempted to call back Wise Loans, it went unsuccessful. I requested call backs and called on my own, no success. I sent emails without success. They continued to say my account had been funded despite account being closed. I contacted XXXX XXXX XXXX of XXXX, TX in which XXXX rep was not helpful and ended up being more of a messenger instead of mediator. The account was opened in XXXX, throughout the dispute in XXXX, it was written off. The amount approved was {$400.00}, they only funded {$280.00} as stated on website. I have been getting harassing text messages to pay off debt of {$760.00} since that time. XXXX closed the complaint as answered. I provided proof of closed XXXX XXXX account that has been closed since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, 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:
I have a XXXX  XXXX XXXX account. great card no issues. However on XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/2022 i had asked for a credit card increase. I was told by there customer service rep this would only be a SOFT pull that's why I did it. When I later looked they had made it a hard pull and explained how the customer service rep provided wrong information. They had told me would give me a courtesy an remove the hard inquiry for the increase for being a valued customer but it had never happened. I have tried on multiple times to fix this since and it has never happened. I have no issues with the credit card, the store and bank. I will continue doing business with them as there company I always recommend.

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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX PL XXXX, SC XXXX RE : Last XXXX SSN : XXXX XXXX XXXX XXXX  To Whom it may concern, Please accept this letter as notice that you are in violation of false reporting by verifying the account without providing account level documentation. According to FCRA, you are required to & quot ; ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. & quot; ( As stated in15 U.S.C . 1681i ) in conjunction with15 U.S.C.

1681i ( A ).

Pursuant to15 U.S. Code 1681o you failed to comply with the FCRA along with15 U.S. Code 1681n in which you KNEW it would be a violationand you intentionally violated the FCRA. 
Failing to follow procedure has caused mental anguish and caused me to be denied a personal line of credit and I received an adverse action letter stating because of the collection I was denied, even with having exceptional scores. 
I wish to settle this matter quickly and amicably. I am requesting a deletion of the tradeline, a release from the alleged debt obligation, and {$10000.00}. To remain in good faith, I am providing you 30 days to remedy this situation. Should I not hear from you, that will result a filing of this case in federal court. 
Should you wish to discuss this matter in greater detail, I can be reached via XXXX. 
Respectfully, 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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC

Complaint narrative:
I receive a XXXX message to repay loan from Easy money loan app amount of XXXX which i never apply they mention applied date XX/XX/2023 ( 7 days tenure ) repayment date XX/XX/2023. I don't receive a E-mail or Text message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have spoken with XXXX and td bank a few times for some reason they have 7 XXXX XXXX has one my addresses i never lived there. They both said would be removed from my credit report countless times but neither has done so. I do not live there. I do not get mail there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, 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:
Reference : Account name XXXX XXXX XXXX Account number XXXX I would like to add additional information to the dispute currently taking place with Experian concerning this account. 

For one, the information contained in my report states the following : Balance details Original balance {$12000.00} 36 % paid off Balance {$8000.00} Balance updated XX/XX/XXXX In reality, I paid XXXX dollars/month for 36 months = {$13000.00} Plus {$2500.00} dollars down payment for a grand total {$16000.00} and not the {$12000.00} shown above. Every payment was made. I was never late contrary to whats shown in my report. The monthly record of my payments was maintained by the credit bureaus but amazingly it has not been taken in consideration in reporting the damaging information relating to this account. It seems to have just vanished in thin air. 

Obviously the terms of this lease were less than favorable but I accepted due to my circumstances at the time. Its worth nothing that the lease term for somebody with good credit would have been {$1900.00} down and {$180.00} / month for a grand total of {$8600.00} but my less than favorable terms caused me to pay almost double for this lease. 

What the report below shows is that I only paid {$4400.00} dollars or 35 % of the loan, which is a complete falsehood and goes to show gross negligence on the part of the bureau. It is their duty to make sure that their reporting is accurate and correct and when challenged it is also their duty to investigate thoroughly and review the accuracy of the information regarding the item disputed. What has happened instead, is every time I contacted the bureau about this item, they right away proceeded to re-age the balance reported causing great damage and harm to my credit score. Their investigation was neither thorough nor complete and does not conform to fair credit reporting act. 

The Fair Credit Reporting Act requires credit bureaus to correct or delete any information that can't be verified or that is incorrect or incomplete. 


Account info : The following is the report taken from the bureau. 

Account name XXXX XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8000.00} written off. 
{$8000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$12000.00} Highest balance - Terms 36 Months On record until XX/XX/XXXX Balance details 36 % paid off Balance {$8000.00} Balance updated XX/XX/XXXX Original balance {$12000.00}

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 explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information is wrong name and collection is not mine

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 2023-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
This submission is a continuation of the prior issue sumbitted In XXXX 2023 From XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX Once again One Main Financial feels they can do whatever they decide. I have been notified that my loan had been recalculated. One Main Financial took from XXXX to XXXX to make the necessary changes. Here are two issues : OMF knew their process of scamming customers by overcharging on interest for cancelled add-ons was illegal. They continued this illegal practice even after the CFPB won an enforcement action to the tune of XXXX XXXX dollars. Last week, the Consumer Financial Protection Bureau ( CFPB ) ordered installment lender One Main Financial to pay {$20.00} XXXX in penalties and redress due to a failure to refund interest that was charged to XXXX customers who canceled their purchases within the designated full refund period, When I notified OMF that I had cancelled the add-ons, they know immediately how to remedy this problem. Instead, they dragged their feet and now have the audacity to say I am 3 months late and owe late fee. How the XXXX does that work? I had no idea what my TRUE monthly payment would be. The second issue is that OMF has refused to show me the new loan calculations. I have made 5 requests to show me these new loan calculations. I think they are hiding the fact that once again they are attempting to rip me off. How is it that I am expected to pay a monthly payment, I have no idea how any figure was decided upon. Also, the XXXX and XXXX payment they are demanding seem to include the interest for the original amount of the loan. 
I am request that CFPB file a new enforcement action against One Main Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, 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:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX  court as the furnisher that's forgery and misleading when the courts don't report this type of account. I did not give written consent to report this account. XXXX XXXX XXXX XXXX,. This account is also showing a past due/late payment which also violates my rights. Send proof that this account belongs to me and that the courts gave you permission to report this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Opened mail from Chase Bank on XX/XX/23 and found a XXXX XXXX XXXX XXXX credit card with accompanying new customer documentation inside. Card had full account number with my name listed on the front of the card. On XX/XX/23 I called Chase Bank to ask why a credit card had been issued with my name on it and Chase verified that the card account was activated around XX/XX/23 and XXXX purchases were made with it around XX/XX/23 in XXXX XXXX. Chase agreed to flag the account as fraudulent and investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
In XXXX of XXXX XXXX XXXX XXXX XXXX who represents PennyMac Loan Services LLC filed for foreclosure under case ID XXXX. After XXXX XXXX XXXX XXXX failed to provide requested information. A active and ongoing dispute was filed with the courts and all payments have been suspended. However the home owner XXXX XXXX has paid the property taxes in full up till the year XXXX and has paid his home owners insurance in full for the past year and current year XXXX XXXX - XXXX this payment was made on XX/XX/XXXX to XXXX XXXX under policy number XXXX. However PennyMac again fraudulently made a payment on XX/XX/XXXX XXXX the question is where did they get the money to pay for insurance if no mortgage payments were allegedly made, And if mortgage payments were made None of them would be late as they try to claim. PennyMac is trying to place XXXX XXXX into debt by making fraudulent payments after he has paid in full and forcing the insurance company to refund him back his escrow payments. Which would place him behind on payments because PennyMac fraudulently made a extra payment and removed the precious escrow payment made by the home owner XXXX XXXXe. PennyMac is XXXX bent on trying to raise the mortgage payments too cause default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am a merchant who has been using Square to process payments, and I have always been a compliant and trustworthy user. However, I have been facing a prolonged three-month period of payment freeze, and to this day, the issue remains unresolved. Despite providing extensive documentation to prove the legitimacy of my transactions and identity, I have not received any positive response or resolution. 

This situation has caused me significant distress and financial loss. As a small business owner, I heavily rely on these funds to pay suppliers, employees, and cover daily operational expenses. However, due to the frozen payments, I have been unable to make timely payments, leading to unnecessary complications and damage to my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
All three credit bureau I have sent letters I even filled out a report here I have not gotten any emails or replies from this company XXXX and I asked that you guys please challenge all 3 credit bureaus which u have not my credit is affected by inaccurate information and this is almost the tenth time Ive filed out this report to get this company to help and only one bureau has been contacted by cfpband Im highly up set because I have not been notified of any charges in my consumer complaint and I will have to take a different approach if this is not resolved I have a XXXX credit score and can not obtain a simple credit card and someone and something is wrong with that I need answers because this is not right or legal

Company response to consumer: Closed with explanation