vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 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: TX

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries, nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. Please see the attached FTC Report and remove the unauthorized inquiries from 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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX These addresses above are on my report and are not addresses I lived in, 1 is my sisters and 2 are my parents which I never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In review of my credit files, I noticed that there was a " collection '' being reported to all three credit bureaus from Portfolio Recovery. I wrote to Portfolio Revcovery on XX/XX/2022 in regards to a " collection '' account that they placed on my credit file. ( See attached letter ) They, in response sent a letter dated XX/XX/2022 stating that they had completed their investigation and established that the account was " valid. '' They also sent a " Simple '' invoice as their " Proof '' of validity '' which does not provide me with the information originally requested. 
( See Attached letter )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reached out to Transunion on XX/XX/XXXX. I have a security freeze on my credit report due to identity theft XXXX. The issue I have was with one of the security questions. The question asked, which state ex husband lives in? The problem is I've been divorce for 17 years. I've only spoken to him twice in the past 17 years. Ironically last time I spoke to my ex-husband was XXXX. I requested to have that information removed. I was simply bothered because there is no affiliation, no contact. I'm not sure if anything was applied in my name. I felt the need to report this 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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: IL

Complaint narrative:
In 2021, found LexisNexis ( LN ) report was inaccurate. While working on corrections, it was suggested that I utilize their " opting out '' process which only resulted in LexisNexis refusal to provide me with a copy of my own file for the past year and also never notifying me if the corrections were made. In fact the first time I asked for corrections, my file which had been 10 pages then became 40 pages with more errors. LN falsely reporting that my son is female and that his email XXXX At no time did LN ever state or write that opting out/suppressing would result in me no longer being allowed to review my information and now being told that my identity can not be authenticated after having been authenticated on numerous occasions in 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding false information that has been reported on my credit report by one or more of the credit bureaus. The false information that has been reported has significantly impacted my credit score and has caused me financial harm.

Specifically, I have identified false information on my credit report that has resulted from identity theft. From my understanding of the law, credit reporting agencies are required to block the reporting of any information that results from an alleged identity theft, except as otherwise provided in the law. However, despite my repeated attempts to dispute and correct this information with the credit bureaus, they have failed to do so. 

I have followed all proper procedures to dispute and correct the information, but the credit bureaus have been unresponsive and have not taken any action to correct the false information on my credit report. As a result, I have suffered significant harm to my credit score, which has impacted my ability to obtain credit, housing, and employment opportunities.

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 2023-04-24 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: DE

Complaint narrative:
I sent my personal and exact information from all 3 bureaus back to them via certified mailing and waiting to receive an update on my credit report to remove all negative and improper information on my credit report using the FCRA law that is illegal to gather my personal information for things that are unrecognized and selling information that arent opened to me actively and unable to apply to future loans and purchases for my FICO and/or credit score via XXXX. Dates from XXXX to XXXX with auto, credit cards, hard inquiries, and late payments inaccuracies are unavailable of receipts from these companies. I need a change of my credit report even as closed with monetary relief should be accounted for with my report status.

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 2023-04-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted the company on XX/XX/XXXX via phone and email about a 3 fraudulent personal loans taken out in my name. I submitted documentation regarding account numbers, dates the accounts were opened as well as a identify theft report filed to the FTC. The documents were emailed on XX/XX/XXXX and mailed the following business day. I called XX/XX/XXXX and the investigation is still pending with no additional information to provide. I also requested additional documentation about the fraud activity, not being liable for the account and any documentation from the individual who requested the loans so that I can pursue criminals charges. Each time I call I am not given any additional information ; only that the investigation is private and it has been 30 days.

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 2023-04-24 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act this creditor, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
please see attached file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase charged me a {$95.00} annual fee for a credit card that I have not used for 9 months. I called to ask to have the fee reversed and close the account. The representative ( XXXX with an XXXX accent ) stated repeatedly that the fee could not be reversed even if I closed the account. The fee had only been on my account for 20 days, so I was surprised that they could not reverse the fee. Right before hanging up in disappointment for paying a worthless fee, as a last resort, I asked to speak to a manager. While waiting for the manager, I searched the internet and found that it is in fact Chase policy to refund these annual fees within 30 or 40 days of posting date. When the manager came on the line, she confirmed that policy and closed my account. 

** My complaint is that Chase Policy is being completely misrepresented by their agents. ** This is infuriating. It's bad enough that I have to waste time on this XXXX. A bank 's agents CAN NOT misrepresent their policy in favor of the bank. This agent did it REPEATEDLY. That is straight up fraudulent. They are probably rewarded for this XXXX or instructed to do this XXXX in some XXXX call center. Customer Service first tier is clearly intended to deflect and frustrate customer to give up. THIS CAN NOT BE ALLOWED TO CONTINUE. Especially for a BANK!!! Y'all should fine them or force them to send out proactive notifications of Annual fees and force them to have a one-click button on their website to refund the fee and close the account. That would torpedo this scammy behavior of charging fees for cards that are not used. Or maybe require that annual fees are automatically waived if a card is not used for the preceding 4 months. These are great ways to make them fix this XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
on or about XXXX I called Capitol one to get advise to have XXXX XXXX added as an account manager to aid me when I was out of the country. Capitol one tried to get me to add XXXX XXXX to my account and give him a card. While talking to Capitol one on speaker phone with XXXX XXXX with me I refused to had him to my account or have him have a card. At that time XXXX XXXX already had 2 credit cards under his name with Capitol one. The person acknowledge it he was authorized to talk to Capitol one when I asked him to to resolve any issues just as someone at a company would have that option to clear up any matters. 

Where I go cell phone service it weak to none, landline are far and few. In fact I had an issue prior to having XXXX XXXX added as an account Mgr Capitol one would not talk to him they advised him to have me call collect. That does not work in the XXXX I tried I got the look go away they think I'm scamming them to make a call to the XXXX make them pay, THEY DO NOT UNDERSTAND THIS CONCEPT.. was stuck and screwed over by Capitol one. 

I also found out from XXXX XXXX that YOU CFPB Refused to help him out and Colluded with Capitol one helping them cover up their Gross Error and their Lies. 
XXXX. Capitol one has NEVER mailed anything OR called OR Left any messages of any sort to XXXX XXXX Per your report that you closed on him. Because of this Capitol one is still screwing up his credit report with my Credit Card that HE IS NOT AUTHORIZED TO USE. You sit there and tell him he is lying and so am I, when both of us were with the Capitol one rep as witnesses to their Fraudulent lies to force themselves on to his credit report. You get this fixed or I'm going over Your Head. XXXX XXXX is only an account manager to assist me when I can not. Do you get my understanding? this is my ONLY and FINAL WARNING. Capitol One Rep Steve over the phone told XXXX XXXX they unlawfully added him to my account without my Knowledge and forced a credit report under his name, that is FRAUD and ILLEGAL. Fix or or else. YOU WORK FOR ME NOT CAPITOL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I did a dispute with Equifax on XX/XX/23 on XXXX XXXX that's on my credit report I was told to fax over my paperwork showing that I paid full XXXX XXXX XXXXXXXX. On XX/XX/23 my dispute was complete so I call on XX/XX/23 @ XXXXXXXX XXXX and I spoke with XXXX XXXX and he told me that I owe XXXX XXXX the money because that's what they say in the report. I told him to look at the receipts that I sent in and he would see that I paid in full. I ask for a supervisor and I ask the supervisor who I'm I spoke with and he wouldn't give me his name and he was so rude to me about my dispute telling me that I owe XXXX XXXX and that's my bill and I need to pay them people because I owe them that young man was so rude to me I cry. I'm send a copy of the receipts that I fax to Equfiax showing them I paid in full XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Dear PayPal Customer Service Team, I am writing to you today regarding the permanent limitation of my PayPal account, which I believe was done in error. My PayPal account email address is XXXX. 

I strongly believe that this limitation was placed on my account due to a mistake. I have not violated any PayPal policies, and I have always followed the terms and conditions of the PayPal user agreement. 

Therefore, I respectfully request that PayPal re-investigate my case and restore my account if possible. I am confident that a re-investigation will show that there was no violation on my part, and that my account should not have been limited. 

I have been a loyal PayPal customer for many years, and I have always valued the services provided by PayPal. I sincerely hope that this issue can be resolved quickly, and that my account can be restored to its previous status. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: SD

Complaint narrative:
*THIS IS NOT A DUPLICATE- ADDITIONAL EVIDENCE ATTACHED* I can not believe I have to keep fighting this. GM states I am responsible for late fees and interest because I did not make payment from XXXX to XXXX. I paid the account in full on XX/XX/XXXX for all charges up to that date. There were only 4 charges after that. {$72.00} and {$15.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX and {$20.00} on XX/XX/XXXX. THESE WERE FRAUDULENT/UNAUTHORIZED charges. All 4 have been disputed and APPROVED by GM. I have attached the 4 approvals and the statements with the original charges. GM is stating that because I did not make payment on unauthorized charges, I am responsible for the late fees and interest that accrued on those unauthorized charges. How is that legal? All authorized charges were paid in full. The late fees and interest are on the 4 unauthorized charges. Once the disputed charges were investigated and REMOVED, shouldnt all subsequent fees and negative reporting be removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: IL

Complaint narrative:
I am trying to buy a house, and there is inaccurate information on my credit report, which is defamation to my character and livelihood. Per the FCRA, Section 623 the accounts that have been charged off should not still be reported as such on my credit report. I have attached the accounts that are reporting incorrectly.

With these accounts, they are also all reporting multiple different dates of the last activity, which I have highlighted in the attached documentation, there are a total of 5 accounts that are reporting inaccurate for both of these issues.

Per 15 U.S.C 1681 there should not be any damages on 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 explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: IL

Complaint narrative:
In XX/XX/XXXX Seedfi sold their loan agreements/debt to a company call XXXX without my knowledge, I made one payment with XXXX  on XX/XX/XXXX to try and stay on track with my loan payment, however I noticed that the payment never reported towards my loan or to my credit report so I stop making payments and tried to contact Seedfi. No one was able to help. Now here we are in XXXX and XXXX has reported to my credit stating my loan is 90 day past due with isn't true. I made two payments with Seedfi that haven't we towards my loan balance, those two payment were made on XX/XX/XXXX and XX/XX/XXXX. my three payment made to XXXX were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has stated that no payments were made with Seefi or their company with has negativity affect credit. i've called both companies and resolution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I had paid off the loan 2 years early to XXXX XXXX. My final payment of {$5000.00} cash wire to them and looking now at my credit score 3 to 4 years later it says I owe XXXX XXXX money when I do not they have occurred nearly {$3000.00} of debt, When in fact I do not owe them a dollar I had pay them off and I have called them three or four times SENT EMAILS about this and they just hang up on me its very upsetting to see them hurt my score when I had paid a {$13000.00} loan off 3 years ago. Not to mention the car broke down it doesnt work the first year I bought it because of transmission problems they sold me a XXXX car and with A high loan RATE and then when paid off they accumulated close to {$3000.00} of debt. I HAD TO CALL 4 times for them to send my title a month Ofer not receiving it. Looks like EVERY employee there is very incompetent of doing a job

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 2023-04-24 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I had paid off the loan 2 years early to XXXX XXXX. My final payment of {$5000.00} cash wire to them and looking now at my credit score 3 to 4 years later it says I owe XXXX XXXX money when I do not they have occurred nearly {$3000.00} of debt, When in fact I do not owe them a dollar I had pay them off and I have called them three or four times SENT EMAILS about this and they just hang up on me its very upsetting to see them hurt my score when I had paid a {$13000.00} loan off 3 years ago. Not to mention the car broke down it doesnt work the first year I bought it because of transmission problems they sold me a XXXX car and with A high loan RATE and then when paid off they accumulated close to {$3000.00} of debt. I HAD TO CALL 4 times for them to send my title a month Ofer not receiving it. Looks like EVERY employee there is very incompetent of doing a job

Company response to consumer: Closed with explanation