vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am a creditor in the XXXX XXXX Bankruptcy for XXXX. 

As part of my settlement, my property ( crypto ) was transferred to Paypal as a third party intermediary, who I did NOT select and did NOT have any option to change. Since then, Paypal has refused to allow me to transfer ALL of my cryptocurrency in one transaction, and has imposed an arbitrary limit of {$10000.00} worth per week. This would take me approximately XXXX weeks to complete with a value of XXXX $ XXXX. 

Paypal required me to submit a " limit increase request form '', which I have now done multiple times over the course of the past month, and every time I submit it, they reject the form without explanation, AND WITHOUT ACKNOWLEDGEMENT OF ANY KIND -- they have provided ZERO updates, and have provided ZERO EXPLANATION why my request was not granted, let alone unacknowledged. 

Calling customer support is useless, as employees refuse to give last names or identifiers of any kind and have zero accountability and offer zero assistance -- every time I call back I have to explain the situation to a new individual who has no idea what they are doing and just recites the same incorrect customer service script, or they disconnect me, or leave me on hold for hours trying to exhaust me. 

As a victim of financial crimes, I have been waiting XXXX years to recover a small fraction of what I am owed and Paypal is creating new problems for me when I never wanted to be their customer in the first place. I want my property off this garbage platform, and I want to close my account permanently afterwards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX email XXXX You are in Direct Violation of The Fair Credit Reporting Act ( COMENITY BANK XXXX,, has violated several of my rights 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

16 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediatety as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
Phoenix Financial Services LLC is saying I owe {$2300.00} when i already paid off my medical debt. I looked online and apparently they're known to send out fake debt collection letters and action has been taken against them. I want them to stop their harassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
In accordance with the fair credit reporting act. this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC is 1666B a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
In accordance with the fair credit reporting act. this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC is 1666B a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
Date : XX/XX/2024 XXXX Page 14 XXXX XXXX XXXX, NY XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir/Madam, I am writing to request assistance in updating inaccurate account information and removing unauthorized user accounts from my credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ). I have identified errors in my credit reports that are negatively impacting my creditworthiness and financial opportunities.I have discovered inaccuracies in the account information reported XXXX account # XXXX, XXXX account # XXXX my credit reports. The inaccuracies include [ describe the inaccurate information, such as incorrect balances, payment history, or account status ]. These errors have led to an unfair assessment of my creditworthiness and have affected my ability to access credit on reasonable terms.Furthermore, there are authorized user accounts listed on my credit reports that do not belong to me and are inaccurately reflecting my credit history. These accounts are not mine, and their presence on my credit reports is misleading potential creditors and lenders. 

Thank you for your assistance in this important matter. 
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 explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank continues to decrease my credit limit, it was done in XXXX and again in XXXX. They have decreased it so much that it is making my payments each month increase and my debt to income ratio increase. Their actions are negatively affecting my credit report and posing a hardship on my life economically. I have asked Citibank representatives for an explanation and I explained how they are negatively affecting my life but I have not received and help. The customer service I receive is horrible and I would like to make payments as I was in the past. I am attempting to improve my credit score but I am not getting anywhere because my credit limit continue to get decreased by Citibank.

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 2024-03-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Our family has been LOYAL NISSAN CUSTOMERS since XXXX. 
We are disappointed that we have not heard from, nor been contacted in any way by NISSAN since we returned the vehicle to XXXX XXXX XXXX on XX/XX/XXXX. 

Upon returning the vehicle, the dealer commented on the vehicle being returned in excellent condition ; which it had never been in an accident and with just under XXXX miles less than stipulated on the contract. We were told that all has been taken care of by XXXX XXXX XXXX and we have nothing further to worry about. We asked to have a receipt or a terminated lease agreement to take with us, but were denied such. We TRUST NISSAN even though it seemed very strange and unprofessional for us to walk away without any written document of us returning the vehicle. 

Recently, we received in the mail a notice from XXXX XXXX XXXX XXXX debt collector requesting to collect a debt owed to Nissan Motor Acceptance Company, LLC. 

We spoke with XXXX XXXX XXXX XXXX by phone BUT were told to contact NISSAN for any detailed information because they do not. 

WHY ARE WE BEING ASKED TO PAY THE SUM OF {$1000.00} AFTER ALMOST 2 MONTHS??? 

This letter will also be forwarded to the Nissan Finance department. 

I trust you will look into this matter ASAP, making sure to settle this case immediately as best as possible. 
THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TN

Complaint narrative:
I was looking at my credit report and noticed XXXX XXXX Card Ser on my credit report being charged off. I was never 90 days late on this account. The information is inaccurate and is affecting me getting any decent loan or credit with a good interest rate.The 3 bureas are reporting different dates my account was closed and last activity on my account.

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 2024-03-19 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: PA

Complaint narrative:
FCRA 605B mandates the elimination of incorrect entries from my credit report. Can you please examine the documents? Some of the listed accounts are inaccurate in terms of their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Called XXXX XXXX XXXX @ XXXX after being transferred from XXXX XXXX XX/XX/XXXX to inquire about credit card account that was sold to them by XXXX XXXX XXXX  . This account was written off by XXXX XXXX XXXX, original date opened was XX/XX/XXXX. Balanced updated by XXXX XXXX on XX/XX/XXXX. I advised the rep that I wanted to pay the balance to alleviate the debt to remove from credit report. Representative advised me that they have no record of the account. My first call was 5 days ago at and I was told to call back today. I was told that they have no record of this account again. There is an uploaded copy of the XXXX XXXX XXXX information on this account.

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 2024-03-20 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: GA

Complaint narrative:
My credit reports across all three bureaus are different ( experian, transunion, XXXX ). Can I please get a updated copy of my credit report from all three bureaus with all up to date and accurate information.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports across all three bureaus are different ( XXXX, XXXX, Equifax ). Can I please get a updated copy of my credit report from all three bureaus with all up to date and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
There are XXXX derogatory / inaccurate items on my credit report that I Disputed with Experian. It shows that there is a First and Second ( XXXX ) mortgage that was " Discharged '' during bankruptcy however this is not accurate as both of these mortgages were paid off. I uploaded payoff documentation from the Title company but I do not see where Experian corrected this faulty reporting after receiving proof of payoff. Further, Experian sends me correspondence that says " Investigation is Complete '' however when you read my credit report it just says " Pending ''. How can something be " complete '' if it is still " Pending ''??? THat makes no sense ... .Experians XXXX # was an exercise in futility ( as usual )

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 2024-03-19 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: CA

Complaint narrative:
There has been unauthorized use of my credit 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 2024-03-20 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: CA

Complaint narrative:
I am sending this complaint to formally request the prompt removal of inaccurate information from my credit report. Upon review, I have discovered several instances of fraudulent data that I have no association with. This discovery is deeply concerning, and I insist on immediate action to rectify this matter. 

The following inaccuracies must be addressed and expunged from my credit report without delay : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX  XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX expect your immediate attention to this matter and demand swift corrective action. Failure to comply with this request will leave me with no choice but to pursue legal recourse. Your cooperation in resolving this issue promptly is greatly appreciated.

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 2024-03-20 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: CA

Complaint narrative:
I am sending this complaint to formally request the prompt removal of inaccurate information from my credit report. Upon review, I have discovered several instances of fraudulent data that I have no association with. This discovery is deeply concerning, and I insist on immediate action to rectify this matter. 

The following inaccuracies must be addressed and expunged from my credit report without delay : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX expect your immediate attention to this matter and demand swift corrective action. Failure to comply with this request will leave me with no choice but to pursue legal recourse. Your cooperation in resolving this issue promptly is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX located in XXXX, Al. The car is a XXXX XXXX XXXX and has XXXX miles on it. On the Buyers Order the car is {$38000.00} which includes all of the taxes and registration fees and such. However, we financed our car through the dealerships lender which is Credit Acceptance and our monthly car payment is {$810.00} and at the time the dealership stated that my credit was the best theyve had. I have since then fallen on hard times and am unable to make my payments due to going from a XXXX income household to only XXXX. My fianc lost his job and we tried to keep up with the payments the best that we could but due to the high payments and high APR, it became impossible to do so. I feel as if I have been a victim of Credit Acceptance hiding my auto loan cost and I also feel as if I have been setup to fail with the extremely high rates. After financing through Credit Acceptance, my auto loan price went up to {$58000.00} being financed with the APR stated to be XXXX  %. We are behind tremendously and continue to receive calls every single day, multiple times a day after repeatedly telling the company that we are unable to make any payments at the time. We would like to have our claim investigated to ensure that we are not a victim of the unfair, deceptive, and abusive acts already filed against Credit Acceptance. The true cost of credit offered is far higher than what we were initially told which deprived us of the ability to make informed decisions, to compare financing options, or to avoid high interest charges. We would really appreciate your help in investigating this matter.

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 2024-03-20 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: MO

Complaint narrative:
I am writing to express my profound dissatisfaction and concern regarding the handling of fraudulent items on my credit report by your agency. Despite numerous attempts to rectify the situation and provide evidence of the fraudulent nature of these items, I have encountered significant delays and hurdles in having them promptly removed. 

Despite my diligent efforts and the seriousness of the matter, I was shocked to receive notification that the fraudulent items were being expedited for removal from my credit report without thorough investigation or validation. This premature action has left me vulnerable to further financial harm and has undermined my confidence in your agency 's ability to handle such sensitive matters effectively. 

I strongly urge your agency to reconsider the expedited removal of the fraudulent items and instead conduct a comprehensive investigation into the validity of these claims. It is imperative that all necessary measures are taken to ensure the accurate reporting of information on my credit report and to safeguard against potential future instances of fraud. 

Furthermore, I request transparent communication and regular updates on the progress of the investigation into these fraudulent items. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is saying I owe {$2300.00} when i already paid off my medical debt. I looked online and apparently they're known to send out fake debt collection letters and action has been taken against them. I want them to stop their harassment

Company response to consumer: Closed with explanation