vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
This company fraudulently sued me for old credit card debt in the wrong jurisdiction. They were sending mail and legal documents to an address that is not mine, but that of my bosses HOME address in OREGON. She " returned to sender '' everything, because I do not live there. 

XX/XX/XXXX I received an entry of judgement from the XXXX XXXX court house. My boss brought me the letter because she thought it was important. It was an entry of judgement and a lien put on my property because I didn't respond to the lawsuit. This company didn't even give me a fighting chance to respond, not only that, they sued me in the wrong jurisdiction. I live in Idaho, the lawsuit went through Oregon. 
I immediately called the courthouse, they gave me the phone number to the " lawyer '' and I called. This is a call center. I spoke with a XXXX the first time I called. He couldn't tell me why they were sending communications to an address that is not mine. I asked him several times, couldn't get an answer. 
I called back a second time that day and spoke with XXXX. She informed me the suit was XXXX XXXX XXXX for Comenity Bank. Couldn't give me dates on when debt was from. I asked for a settlement offer, to get this taken care of because these people now have a judgement wrongfully against me and I don't have money for a lawyer to fight this. Settlement offer is for XXXX. 
I called today, XX/XX/2024, to pay the settlement in full. I spoke with XXXX again. He took my routing and account information for payment in the amount of XXXX. He could not give me a confirmation number but said a letter would be sent to me. I then asked him when the court would receive satisfaction of judgement and the release of lien, he couldn't answer that with confidence, either. 
These people knowingly sent correspondence to a wrong address just so they could take it to court and win a judgement against me because they knew I wouldn't receive it. This is fraud!! They gave me no fighting chance to even respond to anything!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have mailed / certified mailed each credit bureau multiple letters requesting them to uphold Consumer law and Fair Credit Reporting act ( FCRA ) -15 U.S.

Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ) as well as numerous violations to 15 U.S code 1602. I have received one letter back stating that they " appreciate me for trying to fix my credit but they could not confirm that it was me sending in the info because it was sent from a credit repair company. '' even though i had my valid drivers license and current lease agreement attached to the bottom of each dispute letter. I've also called each bureau and spoke with agents for them to remove all incorrect information on my reports where they attempted to lie to me and tell me they couldn't be removed bc their are creditors attached to the incorrect names on my report. At one point i had 6+ incorrect names on my credit report and believe today i still have 2 or 3 in correct names and address attached to my credit report. FOR THE RECORD MY NAME IS XXXX XXXX ; XXXX XXXX Dates amounts and account numbers are in attached documents. 

I am aware that my personal information is not to be shared or made public without my consent and I DO NOT CONSENT to any negative item, or collection or late payments to be on my consumer profile report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: IN

Complaint narrative:
I have mailed / certified mailed each credit bureau multiple letters requesting them to uphold Consumer law and Fair Credit Reporting act ( FCRA ) -15 U.S.

Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ) as well as numerous violations to 15 U.S code 1602. I have received one letter back stating that they " appreciate me for trying to fix my credit but they could not confirm that it was me sending in the info because it was sent from a credit repair company. '' even though i had my valid drivers license and current lease agreement attached to the bottom of each dispute letter. I've also called each bureau and spoke with agents for them to remove all incorrect information on my reports where they attempted to lie to me and tell me they couldn't be removed bc their are creditors attached to the incorrect names on my report. At one point i had 6+ incorrect names on my credit report and believe today i still have 2 or 3 in correct names and address attached to my credit report. FOR THE RECORD MY NAME IS XXXX XXXX ; XXXX XXXX Dates amounts and account numbers are in attached documents. 

I am aware that my personal information is not to be shared or made public without my consent and I DO NOT CONSENT to any negative item, or collection or late payments to be on my consumer profile report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: U.S. BANCORP
State: NY

Complaint narrative:
XX/XX/XXXX I received a voice mail stating they were trying to collect an old debt. I do not have any delinquent credit accounts so I didn't respond to this voicemail. they called a few more times and today called my XXXX XXXX. I returned the call today at XXXX and was told I owed {$1500.00} from XXXX and they would settle for a lesser amount today. I asked for the information to be emailed to me and all they sent was a payment agreement but information regarding the originality of the debt except that it was from a credit card from US bank with whom I have never done business. When I asked through email for more information I was told the case would be marked refused to pay and he wished me good luck. Clearly this is not a valid debt however my concern is that the caller read to me my social security number and my current address and an old address from many years ago

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX To Whom It May Concern : Pursuant to : 15 USC 6802 15 USC 6805 16 CFR 313 16 CFR 433.2 16 CFR 433.3 15 USC 1681 inaccurate reporting As a fed protected consumer, I am opting out of any and all authorization the consumer may have given you written unwritten, verbal and nonverbal per 15 USC 6802.

I am rescinding authorization ; effective immediately and indefinitely.

Also ; It is illegal to report transaction history ; update to paid as agreed immediately ; 15 USC 6805.

The creditor has performed a violation of the collection laws of the United States found at 15 U.S.C. 16921692p The consumer, in reliance of the Codes and Regulations, as a federally protected consumer and debtor, believes that any statements then, now or in the morrow are simply billing errors presented by the creditor ( 12 C.F.R. 1026.13 ( a ) ).

Accordingly, 16 C.F.R. 433.3 does not exempt the creditor from any claims or defenses as described in 16 C.F.R. 433.2 ( a ). As the consumer has the right to invoke his/her rights as the debtor in this consumer credit contract against creditor for the unfair and deceptive trade practices stated herein as no contract after the date of XX/XX/1977, is exempt from 16 C.F.R. 433.3. 


Regards, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
As a follow up to complaint # XXXX, my repayment plan request was finally approved after 2 submissions and a couple of follow ups through CFPB. I saw it was approved/processed today, but the loan terms are incorrect. According to my total balance of the loan and the application I submitted, it shows payment would be around {$150.00} on 20 years of payments and the loan was processed under 10 years of payments. When I first had my loans consolidated with MOHELA, I had a standard repayment plan with 20 years as the term and then MOHELA for some reason changed it to SAVE when Standard payment was lower. Now after 2 applications and multiple follow up messages through CRPB, MOHELA finally processing my repayment plan request to standard - but the term is supposed to be 20 years, not 10. The application/request I submitted shows 20 years and when I had standard repayment in the beginning before it was changed, it was also 20 years.

This is extremely frustrating because after a couple of applications submitted, complaint messages, its finally processed and not even how it was submitted or originally set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: PA

Complaint narrative:
On XX/XX/24 I opened a PayPal account for my established business via their website. While the account did open, I then was faced with an issue when requesting a business debit card for the account. The system wouldnt give a reason for the declination, nor could customer service. 

PayPal continued to email me to get the debit card as of XX/XX/24 but the system said I was declined without giving any adverse action notice. 

On XX/XX/24 when I logged in, the system suddenly asked me to confirm the address I wanted my debit card sent to - so I did. 

On XX/XX/24 PayPal invited me to apply for their XXXX XXXX, which the system again declined me for and nobody was able to give a reason or adverse action notice. However, the same system then approved me for a Virtual Terminal / Advanced Payments product without question. 

On XX/XX/24 PayPal refused to activate the business debit card stating they were unable to verify my identity because my wireless carrier wasnt releasing account information to them. After speaking to a supervisor, I was able to ascertain this is a common occurrence and they refuse to give any answers about the sources of information they use to take these kind of adverse actions against consumers. 

In light of the consistent declinations - as well as refusal to release the source of their adverse information for which they took action against me and my account- I have to assume PayPal engages in discriminatory practices when it comes to their financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My client used a credit card to pay me {$4200.00} via WePay ( JP Morgan Chase ). A few days went by and the money hadn't been transferred to my checking account. I contacted support and they gave me this response : XXXX XXXX, XXXX, the account has an available balance of {$4000.00}. This balance will be held for a period of XXXX calendar days to cover any potential chargebacks that may occur on the account. After the XXXX calendar day timeframe, our Trust & Safety team will review your account again to determine if the funds can be released.

We apologize that we are not able to offer you a better solution and wish you the best in your efforts going forward. 

Best Regards. 
XXXX | Customer XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TN

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Took a look at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate.I was incarcerated for 10 years and never opened account with this company. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX finance is not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows cause to believe that the information is inaccurate. 

check attachments below

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Took a look at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate.I was incarcerated for 10 years and never opened account with this company. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX finance is not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows cause to believe that the information is inaccurate. 

check attachments below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Accounts # XXXX, XXXX and XXXX, has violated my rights per the following laws : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-04-03 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LD Holdings Group, LLC
State: MS

Complaint narrative:
On XX/XX/2022 I entered into an XXXXmth employment contract with Loan Depot , LLC to be a mortgage advisor. My official start date was XX/XX/2022. I was paid a sign on bonus of $ XXXX and then was paid $ XXXX for the next 5 months ( approx. $ XXXX ). Any income above this amount I would receive additionally. I was hired on to Loan Depot with a former co worker who would serve as my manager as were a team of us that would cover the state of XXXX and the other states we chose to be licensed in, for me I was licensed in XXXX XXXX XXXX  and XXXX. 
The mortgage business had begun to slow during this time as mortgage rates had started to increase and inventory was at all time lows. The team that I was hired on with beginning with the processors were let go by Loan Depot so they could cut back on the salaries employees. My manager resigned as did all of the other loan consultants in my immediate group because of the poor management and lack of compliance from Loan Depot. I was the only employee hired with this Mississippi group that was remaining and after XXXXmths I resigned my post. Loan Depot was required to have an office per NMLS rules XXXX miles from where I conduct business, there were times they had me tied to the an office in XXXX and XXXX, XXXX which was not even close to where I work as I have worked out of my home in XXXX, XXXX since starting with Loan Depot. I resigned out of fear of losing my license to originate mortgage loans due to compliance issues with Loan Depot and the constant change in processing and management. 
Loan Depot had been emailing me collection letters for me to pay back $ XXXX to which I obviously can not pay and at this point they have put a collection of $ XXXX on my credit report which has damaged my perfect credit rating as I have always paid my bills on time. To sum up my complaint, I worked hard for a company for XXXXmths trying to make ends meet in a tough work environment. I do not believe they lived up to the company they had told me they were and after falling a month short of completing my obligation for the XXXXmths, I know owe them $ XXXX and they have ruined my credit. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/year>, XX/XX/year> {$210.00} sent in driver license for verification and the company still deactivated and now I have money in that account and now I can't get it out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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