vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Payment Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX ( XXXX ) for their inconsistent and unresolved reporting of a late payment on my credit history, which I believe is a violation of the Fair Credit Reporting Act. 

In a response to my dispute, XXXX XXXX, Director of Compliance at XXXX, asserted that my loan was reported 30 days late in XX/XX/XXXX. However, this reporting is inconsistent across the XXXX major credit bureaus : Experian reports a XXXX late payment in XX/XX/XXXX, XXXX reports XXXX XXXX late payment in XX/XX/XXXX, and XXXX reports a XXXX late payment in XX/XX/XXXX. This discrepancy between XXXX 's statement and the credit bureau reports raises serious concerns about the accuracy and validity of their reporting. 

Despite my efforts to rectify this issue, including direct communication with XXXX and the credit bureaus, the erroneous reporting remains uncorrected, adversely affecting my credit score and potential financial opportunities. 

Enclosed are my payment records, the response from XXXX, and credit reports from Experian, XXXX, and XXXX, evidencing the discrepancies and my attempts at rectification. 

I respectfully request the CFPB 's intervention to investigate this matter thoroughly. I seek the correction of my credit records to accurately reflect my payment history and any other appropriate remedial actions. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to this ongoing issue.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to follow up on a matter that I previously brought to your attention regarding these unidentified and unverified negative accounts on my credit report associated with : XXXX XXXX XXXXTransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-01-23 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:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTSXX/XX/XXXXDate of inquiry : XX/XX/2023 Please remove it 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Management, LLC
State: CO

Complaint narrative:
I received a letter on XX/XX/XXXX from A-1 Collection Agency, LLC requested debt payment for ther amount of {$300.00}. The company ( ies ) requesting payment is not mentioned in this letter. I do not have any recollection of pending payments or previous notices indicating that I own this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a request to validate incorrect information on my credit report on XX/XX/ and still have not heard anything back which is beyond the 30 day period.

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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I XXXX XXXX filed a fraud claim for my checking account with JP Morgan chase. Account # XXXX on XX/XX/XXXX. The claim was in regards to a {$500.00} withdrawl from my account on XX/XX/XXXX from a non chase atm that I did not authorize. I reported the fraud the next calendar day which within the 60 day time frame that is given under the The Fair Credit Billing Act ( FCBA ). In the report I stated that their was an unauthorized charge but I still had the debit card in my possession. They proceeded to tell me that my card and pin had most likely been skimmed at a point of sale machine. JP Morgan Chase at the time of the claim reimbursed me my {$500.00} and {$3.00} non chase atm fee. On XX/XX/XXXX chase reversed that reimbursement of {$500.00} and denied my claim. Leaving my account negative {$420.00}. On a phone call with customer service on XX/XX/XXXX according to representative Chase denied my claim on the basis that the fraudulent transaction used my debit card pin. I believe this is a insubstantial reasoning for denying my claim they themselves told me that it is possible for thieves to skim debit card and record debit card security pins. The fraud was done at unknown atm that I never have used prior and I have never filed a fraud claim in previous years. I believe that chase is breaking the law by not reimburse my fraud claim as I reported it within the allotted time of 60 days under the The Fair Credit Billing Act ( FCBA ). And not providing an appeals process or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After recently being turned down from apartment I decided to take a look at my credit and I was in distress when I notice the incorrect items listed on here. I have called most of these lenders. And they are unable to give me information. Because I can not verify all the information. XXXX XXXX told me that account was open and a business name. I never had a business account. This is causing great duress to me and I need these items removed. I am unable to get a apartment due to this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Hard inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX I Inquiry date XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX ADDRESSES XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYERS 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After recently being turned down from apartment I decided to take a look at my credit and I was in distress when I notice the incorrect items listed on here. I have called most of these lenders. And they are unable to give me information. Because I can not verify all the information. XXXX XXXX told me that account was open and a business name. I never had a business account. This is causing great duress to me and I need these items removed. I am unable to get a apartment due to this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Hard inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX I Inquiry date XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX ADDRESSES XXXX XXXXXXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYERS 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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Company is trying to collect on debt not owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express is reporting a closed account with derogatory remarks without my authorization. 
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given said company, written, verbal and non verbal per 15 USC 6802 to report my personal information to third parties such as credit reporting agencies like XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
This company is a bunch of LIARS & CHEATS!! NEVER NOT ONCE have they attempted to contact me! PLEASE provide any attempted contact information with dates & phone number provided as well as the name of the person who supposedly attempted to contact me! 
I NEED account details in order to manage this account to prevent any further delinquency! I still have not received information that I requested! 
As an account holder I am entitled to this information! PLEASE PROVIDE : -36 months of account history - what contact information do you have for me? ( I have received personal credit information from Fay for another person which I have reported to Fay ) I fear that MY personal information has been compromised! 
- loan payoff information - tax & insurance information on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: CT

Complaint narrative:
I got a Venmo transfer of {$500.00} from another Venmo user. 

The other Venmo user accidentally filed a dispute with their bank ( XXXX ) that is linked to their Venmo account. Venmo says I have to pay back this transaction of {$500.00}. My account became negative by - {$500.00}. The Venmo user promptly cancelled the dispute with their bank ( XXXX ) and Venmo but my account is still showing as negative for $ XXXX. I forwarded to Venmo the pertinent email between the other Venmo user and their bank showing that I dont actually owe anything. My account has been unusable ( in the red ) for almost 2 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I am a XXXX XXXXXXXX that offers XXXX to my clinets. Mosaic is one of our lenders that offer financing. Somehow one of our clients convinced Mosaic to cancel the loan after having it for a year and in return, Mosaic took the loan amount minus the dealer fee out of my account which totaled {$63000.00}. I informed them multiple times prior to taking the money out of my account that if they can not provide me with a reason for taking the money out of my account than I do not authorize them to do so, but they still did. 



Pending CLAIM REVERSAL : ORIG CO NAME : SOLAR MOSAIC INC ORIG ID : XXXX XXXX DATE : CO ENTRY DESCR : XXXX XXXX XXXX : XXXX XXXX # XXXX XXXX IND ID : IND NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CLAIMID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: AZ

Complaint narrative:
I requested a free credit report from XXXX XX/XX/XXXX. This report shows loan balances related to Mohela. An account inquiry at Mohela show balances of XXXX on all accounts XX/XX/XXXX. The XXXX credit report indicates that Mohela information was last updated XX/XX/XXXX. 
Mohela states that they are sending updated information to credit bureaus on a monthly basis. This is not occurring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used PayPal to pay {$640.00} for concert tickets at XXXX ( 3rd party seller ) and used the pay in 4 payments option which gets deducted from my checking account via Paypal. When I selected my tickets I made sure that I selected ( as shown in attachments ) General Admission PLUS. When I received my tickets I received General Admission ( basic ). I called XXXX and they stated it would take up to 48 hours to resolve but the concert was in 3 days so I said I could not wait that long. The 3rd party seller also tried to give me a 30 % discount which I did not accept because of the lower quality of the tickets. I called Paypal to open a claim so they would not pay the seller. After opening the claim the 3rd party seller stated that they would refund me the money if PayPal would close the claim. When I asked PayPal they said not to close the claim or else I would not be able to get my refund. I did exactly what Paypal advised me and did not close the claim. I sent all the attachments included in this claim to Paypal and they denied my claim 2 times. I spent more than 10 hours on the phone trying to fix this issue but at the end Paypal did not find the claim in my favor eventhough I took their advise not to close the claim. If I would have closed the claim the seller would have refunded me the money. I included all the proof via attachments. In essence I received the wrong product and even though I sent Paypal all the proof they ended up deducting all the payments from my checking account. I included the seller 's email which states they would have refunded me the money if I would not have listened to Paypal not to close the claim so I'm pursuing a refund of {$640.00} for not receiving the tickets I purchased and Paypal should have found the claim in my favor with all the evidence I sent them. I feel Paypal made the decision with out looking at all the proof in more detail which was arbitrarily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LEXISNEXIS
State: TX

Complaint narrative:
This debt collector has engaged in abusive, deceptive, and unfair practices prohibited by the FDCPA. They have reported this account, which we never agreed upon nor did I sign any agreement for. A legal contract typically involves the participation of two parties, but I was not involved in any such agreement. 

I solemnly declare, under penalty of perjury ( under the laws of the United States, if this declaration is executed outside of the United States ), that the statements above are true and accurate to the best of my knowledge. Furthermore, I confirm that I am authorized by both FEDERAL and STATE LAW to file this dispute. I am fully aware that making deliberate and false statements or omitting material facts constitutes a FEDERAL CRIMINAL VIOLATION, subject to punishment under 18 U.S.C. 1001. Additionally, such misstatements can also be punishable as perjury under 18 U.S.C. 1621. 

The collections listed in my credit report are not associated with any transactions I have made. I allege that an individual or company, without my authorization, used my personal identifying information to obtain goods, services, or money and was successful in creating certain accounts. demand you to remove this account from all 3 of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report.

Company response to consumer: Closed with explanation