vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter pertains to communication that XXXX XXXX XXXX XXXX, XXXX, XXXX and Equifax reporting agencies refuse to update, correct or delete. I am a victim of the many different data breaches that include the names above. I've tried several times to correct this information however these companies will remove and update my information for a short period of time before applying it back. I have written, called and emailed to dispute inaccurate and outdated information that has been reported to my credit report. 

I have reviewed my credit report and confirmed that this information is incorrect and is negatively affecting my credit score. I've requested that the agency immediately remove this inaccurate information from my credit report. 

Furthermore, I would like to requested that the agency conduct an investigation into how this inaccurate information was reported to my credit report in the first place. I have taken the necessary steps to ensure that all of my accounts are up to date and paid on time, and I am confident that this inaccurate information was reported in error. 

Please provide me with written confirmation of the investigation 's results and any corrections that are made to my credit report as a result of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: DC

Complaint narrative:
First up I was never given my interest rate on this loan but once I had a problem than I found out it was 28 % or more and than included coverage for repairs. It was a used car and I didn't even had for a year the XXXX year was a XXXX and I went to a gas station and it started smoking and I had it towed!!! When I got in contact with XXXX XXXX the mechanic called them and he was told what they wanted him to do to find the problem with no guarantee they would pay him and then XXXX XXXX gave me the mechanics they deal with. Had it towed again and the mechanic did what they told him and told him they were not going to pay normal wear and tear!!! He said the mileage was turned back and the engine number was scratched off!!! I than connected them and told them. I than wrote a letter registered mail to pick it up and I was voluntary returning it back to them. They in turn called the mechanic and told him they didn't want it. But he followed their instructions. I than got the attorney General office in DC and while I was on the line their Lawyer said they didn't want and do anything they want with the XXXX. They couldn't make any money off. The attorney General office said the insurance coverage that they had on the car people have had the similar problem and they say the same answer normal wear and tear. I had stayed on oil changes etc... They keep harassing me constantly!!! I want this removed off my Credit Report it's been XX/XX/XXXX and so many days they Report I'm so many days over due!!! It's an illegal practice they are doing. I'm XXXX and XXXX XXXX!!! I don't owe them anything!!! They owe me!!!

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Information that is being reported by XXXX is inaccurate and I have no obligation to company that is inaccurately reporting data into my credit profile.

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 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Per XXXX XXXX and Nationstar ( attached affidavit total of claim ( s ) total of claims paid ) {$28000.00}. 
Currently the mortgage company states I owe XXXX XXXX but if we take the {$28000.00} above and per attached and add the missed payments since they would not allow me to make a month payment. 
That sum will not equal anything close to $ XXXX needed to reinstate my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
My taxes was taken so while trying see issue with I discovered I supposedly had a car loan with a XXXX XXXX  I never received any mail bout this are have any knowledge of this account my checking account had fraud alert they send me I having alerts credit cards someone trying get my name I don't own a car at all I don't even know what Truist Bank is I have tried contacting bank I don't know going on I never had vehicle with this people are agreed and sign any paperwork with them I was in XXXXXXXX XXXX for 2 years currently live Indiana this car loan agreement whatever I didn't sign are do I know what a Truist Bank is wouldn't even do business with that I need help IRS recommendation to put XXXX report here I also going contact Truist Bank again and credit bureaus I sent email to XXXX already because of a data breach they had

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 2023-02-27 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: CA

Complaint narrative:
This is the same complaint but I realized without the reference number I would not get a response. Please note that I'm resubmitting this complaint now with the Pay Pal Reference ID from PayPal ( Ref ID - XXXX ) I am writing to file a complaint against PayPal for wrongfully closing my account. I have been a loyal customer of PayPal for over 20 years and was recently informed that my account has been permanently limited. This has left me unable to use my account, which is a significant inconvenience. 

I started an XXXX XXXX XXXX on XXXX XXXX in XX/XX/2022, and the only payment provider available to me was PayPal. I have been doing relatively well with sales, and every time there is a change in sales for the better, PayPal has issued a long hold on the funds, slowing down my business. Recently, PayPal requested proof of purchase, proof of fulfillment for six different orders, as well as a description of what my business does, which I willingly provided.

However, to my surprise, I received a letter from PayPal stating that my account had been permanently limited due to potential risks associated with it. This decision does not make sense as I have a great reputation in the marketplace with my customers, which I gained quickly. I have 92 customer feedback ratings with a 100 % positive score, with many customers noting fast shipping, carefully packed orders, and records exactly as described. 

Moreover, I finally got back on my feet after being without steady work for almost 2 years due to the constraints caused by the XXXX pandemic, and I am now forced to completely close my XXXX store as PayPal is their only payment provider. I was on the way to opening a second store, but now my income has been cut. 

I have carefully read through all of PayPal 's documentation and could not find a single thing that I violated. Furthermore, all the orders that PayPal requested information on were fulfilled and delivered. 

I strongly believe that PayPal 's decision to permanently limit my account is unjustified and based on erroneous information. I request that you investigate this matter and take appropriate action against PayPal. I hope that my account will be reinstated, and I can continue doing business with PayPal in the future. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX Paypal account XXXX, XXXX Ref ID - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: NJ

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. 


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  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
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had Bank of America Master card for awhile, payment history always on time with automatic payment set up. 
All of sudden this XXXX without any notification the Minimum payment increased, so that my automatic payment didnt fulfil their minimum and they changed me late fees and interest. 
In XXXX I payed off the whole balance to avoid such charges inconvenience. The also charged me late fees and Interest which I think is totally unfair. 
BOFA mobile app is confusing to use and cant reach them through the Contact options Trying to contact the Customer service is unpleasant experience ; long wait time and unprofessional Another previous bad experience ( resolved ) with previous credit card through them ( XXXX issued through Bank of America they had calculation issues which they resolved after many calls and hours of waiting time, in addition they replaced the card to another different card that doesnt hold their name that I received by mail without information what the card is about which is unprofessional way to deal with customers.

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 monetary relief
Consumer complaint received 2023-02-27 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: MN

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 Account # TransUnionXXXX Balance Owed {$5500.00} Account # XXXX Balance Owed {$5500.00} Account # XXXX /Balance Owed {$5500.00} Account name : XXXX Account # TransUnionXXXX Balance Owed {$7900.00} Account # XXXX Balance Owed {$7900.00} Account # XXXX Balance Owed {$7900.00} Account name : XXXX Account # TransUnionXXXX Balance Owed {$0.00} Account # XXXX Balance Owed {$0.00} Account name : XXXX Account # TransUnionXXXXBalance Owed {$120.00} Account name : XXXX XXXX Account # TransUnion XXXX Balance Owed {$110.00} Account # XXXX Owed {$110.00} Account # XXXX Owed {$110.00} Account name : XXXX XXXX XXXX Account # XXXX Balance Owed {$3500.00}, has violated my rights. 

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
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXXXXXX 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 ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My XXXX XXXX credit card was stolen from my car, and was used to purchase the following, resulting in a XXXX point drop on my credit report, and has the potential to damage my credit further : - XX/XX/23 : Fraudulent Purchase at XXXX XXXX XXXX in XXXX, CA {$26.00} - XX/XX/23 : Fraudulent Purchase at XXXX XXXX XXXX XXXX, CA {$270.00} I have already reported the card stolen to Comenity Capital BankXXXX XXXX the account was closed, and unauthorized charges were reported, documented, and are currently under investigation. 

I was told I will receive a letter in the mail with the results of the investigation, once completed. 

I will also reopen my previous police report from the day my card was stolen, and see if they can check the cameras in the above stores to try and catch the person who did this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 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: EQUIFAX, INC.
State: NJ

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. 


XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Multiple unauthorized hard inquiries on my credit report within a couple months time. 

XXXX : - XXXX XXXX XXXX XX/XX/23 - XXXX XXXX XXXX  XX/XX/23 - Capital One Auto XX/XX/23 XXXX : - XXXX - XXXX XXXX XX/XX/23 - XXXX XXXX XX/XX/23 - Capital One XX/XX/23 - XXXX XXXX XXXXXXXX XX/XX/23 XXXX XXXX Bank XXXX XXXX XX/XX/23 XXXX XXXX XXXX is listed as XXXX XXXX, which is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Multiple unauthorized hard inquiries on my credit report within a couple months time. 

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 Employment on XXXX is listed as XXXX XXXX which is not correct.

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 2023-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. 


XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights 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
Consumer complaint received 2023-02-27 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: NJ

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. 


XXXX XXXX  and XXXX XXXX XXXX XXXX has violated my rights 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
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Reference is made to my prior to complaints that have been closed without addressing the underlying issue.

The fact remains that my payments were missed because the Mr. Cooper mobile application made it appear as if ( 1 ) a transfer was reversed ; and then ( 2 ) a subsequent transfer was made. This how my payment history appears in both XXXX and XXXX. 

Based on the misrepresentation in your mobile app, it was my understanding that no further action was needed in response to the letter informing me about the initial transfer reversal.

Company response to consumer: Closed with explanation