vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: MN

Complaint narrative:
I am writing to dispute several inquiries listed on my credit report, which I believe are fraudulent. I have no association with the listed creditors and suspect that my identity may have been compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1581 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 tem of information, other than records of convictions of crimes which antedates the report by moe than seven years.

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

Delete the account 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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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:
On XX/XX/2024 I received an email from PayPal stating that my account features had been deactivated and that they were unable to offer PayPal services for my account anymore.The abrupt suspension of my account features has left me unable to access my funds, including upcoming direct deposits that are critical for my financial obligations. 
The lack of access to my PayPal debit card, checking account, and other services has put me in a difficult situation where I am unable to receive essential payments. This sudden action has not only caused inconvenience but also financial distress. I reached out to PayPal customer service via phone regarding my deactivated account features, which I've had for 5 years, and was left in the dark without any explanation. This sudden restriction on my account has caused me significant inconvenience and frustration. I don't understand why this has happened & would like for all of my account features to be reactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Im a home owner in a condo. My neighbor is deceased. His family has abandoned the property. Ive contacted my neighbors mortgage company Navy Federal Credit Union and they have refused to provide any assistance. I need someone from their mortgage company to come and secure the property. Assess the water damage and file an insurance claim for our shared wall. The only information I have is their name and address. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: MN

Complaint narrative:
I am writing to dispute several inquiries listed on my credit report, which I believe are fraudulent. I have no association with the listed creditors and suspect that my identity may have been compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
This complaint corresponds with my XXXX complaint that is causing me legal and financial damages currently due to concealment that Bank of America reversed a payment credit for XX/XX/XXXX on XX/XX/XXXX after accepting and crediting my XX/XX/XXXX payment XX/XX/XXXX through Countrywide 's website, 7 weeks after the payment for the loan and a double billed AAA 2nd bill for homeowners insurance for XXXX for {$2800.00} cleared my checking account XX/XX/XXXX. No payment was ever returned to me for insufficient funds. Upon transfer to XXXX, Bank of America had not ever reported the XX/XX/XXXX or XX/XX/XXXX payments as delinquent or otherwise late in any way to credit bureaus, causing all payments for 44 months to be claimed as 30 days more in arrears than they actually were, and then 9 days after transfer to XXXX including transfer of an entirely unearned returned payment charge, Bank of America reversed the returned payment charge, after telling XXXX I was in arrears 30 days past due for every payment since XX/XX/XXXX causing Nationstar to double charge XXXX for the XX/XX/XXXX payment paid to Bank of America XX/XX/XXXX. XXXX is aware of this and has concealed the Bank of America transaction history Bank of America made available to XXXX and XXXX refuses to refund unearned fees and correct all payment history allocating XXXX to XXXX of XXXX as paid in the month it was charged for, causing premature foreclosure processes to financially damage me while I was trying to sell my home, and leaving XXXX to refuse to correct inaccurate payment allocation after Bank of America refused to correct this grossly erroneous reversal of the XX/XX/XXXX payment credit, made without any refund of the {$1400.00} loan payment made with a double billed homeowners insurance policy already paid XX/XX/XXXX but double billed XXXX of XXXX causing me to be required to paid Bank of America and Countrywide {$2800.00} which I did and the payment was never immediately returned to my checking account after XX/XX/XXXX after it cleared my checking account at all by Countrywide. This inaccurate payment allocation was concealed from me until XX/XX/XXXX and caused XXXX to enter every single payment XXXX XXXX in arrears than they were, causing on time payments to be claimed as 30 days late for 7 years in my credit files because although Bank of America didn't negatively report this inaccurate reversal of my XX/XX/XXXX it caused XXXX to do so without any investigation into my XXXX XXXX disputing Bank of America outrageous claim I had charges for 44 late payments when I did not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: N.A.R., Inc.
State: CA

Complaint narrative:
I looked on my credit and i noticed a collection from a company I dont do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$460.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$460.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: PA

Complaint narrative:
I am attaching details my score should be XXXX they need to stop lowering my scores and finish removing all the fraudulent information off my report which is not suppose to be on there they are not complying with removing fraudulent accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: PA

Complaint narrative:
I am attaching details my score should be XXXX they need to stop lowering my scores and finish removing all the fraudulent information off my report which is not suppose to be on there they are not complying with removing fraudulent accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: IL

Complaint narrative:
Global Lending Services has engaged in unethical, and intentional fraudulent behavior since XX/XX/XXXX. I have attempted to bring the error to Global Lending Services ' Attention since the initiation of the loan. I have had no success. I have recently learned the terms of my Retail Installment Agreement had been violated due to my account my account being Charged Off without my knowledge. In addition, changes had been made to the agreement. Global Lending Services responded to my prior CFPB complaint indicating didn't matter because it didn't change the terms of the agreement. When the account was charged off in XX/XX/XXXX, I was paying the care note as scheduled. 

I purchased a vehicle with Global Lending in XX/XX/XXXX. 
I had been paying car note up through the period of XX/XX/XXXX, at which time I requested a payoff amount due to continuous erroneous credit reporting. The company did not respond. I sent another request, to which the company did not respond. I then submitted a request for the title to the vehicle as the company was in violation of the Retail Installment Agreement between signed at the point of purchase. 
I filed CFPB complaint XXXX. The company responded proving invoice and applied payment history, in addition to a letter indicating that they do not settle on accounts. Also, they will not be providing a title to the vehicle until the remaining balance was paid. I have recently applied for a HELOC with XXXX XXXX, and was notified that the auto loan with Global Lending Services has been written off since XX/XX/XXXX. I have requested a XXXX for the amount charged off as required by the US Tax Code. My request was denied. I called again today to request a 1099. I spoke with XXXX XXXX with the escalations department team. She notified me the Global Lending Services does not provide 1099s, nor does the company report the data to the IRS. However, my credit report clearly indicates the debt was written off as bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: MI

Complaint narrative:
i reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the accounts that i have included a screenshot insude the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I bought an American Express gift card for {$200.00} on XX/XX/XXXX. I used the card to make a transaction for the first time on XX/XX/XXXX and the transaction went through. I am now reading online that other customers had the same experience as me with these Amex gift cards where they are able to make a transaction with the card the first time and then never again. This has been my experience. The first transaction was for {$10.00}. I've made XXXX transactions since and they have all declined. I called the customer service number on the back of the card every time the card declined and the representative always advised me the same way " try again in 24 hours ''. They said it was declined for security measures and that they will lift them so that I can make the transaction again the following day. The first declined transaction was on XX/XX/XXXX ( for {$30.00} ), I tried again XX/XX/XXXX, declined ; I called Amex customer support ( which I'm learning is really a company called XXXX XXXX  that Amex outsources their gift card customer service to ) and told them about the decline, they said again to try again in 24 hours, I did, it declined and I called back. They told me to try a different vendor. I tried paying with the card on a different online vendor on XX/XX/XXXX ( for {$35.00} ). It declined. I called the customer service # on the back of the card AGAIN. They told me that the card can not be used for " fabric and notions vendors ''???? I told them that no one accepts this card and that I would like my money back since I can not use this product. The representative froze my card, took down my personal information, opened a case, gave me a case # and told me to call back in 3 weeks to follow up on the case. I called back on XX/XX/XXXX. The rep told me that I had called too soon and advised me to call back on XX/XX/XXXX. I called back to follow up on XX/XX/XXXX and was told that after an " investigation '' my refund request was declined and that the only thing to be done was to unfreeze my card and for me to try using it with other vendors. After arguing that I did not want to try with other vendors as it is especially embarrassing to have your credit card declined in-store, I agreed to have my card returned to active. I tried to make an XXXX purchase with the card on XX/XX/XXXX ( for {$86.00} ) and the card declined again. I called the customer service number again and asked for a refund, they told me to call back in 3 days. They refused to give me any information in writing by mail or email so i am not hopeful. I want my money credited back to the credit card I used to purchase the gift card or a refund check sent to me for the remaining amount that I can not spend using this card. There is {$180.00} still on this card that I want returned to me and I never want to deal with credit card gift cards again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-07 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:
I recently reviewed my credit report and noticed that an account was not reporting accurately. I had two late payments on an account that it was in fact paid on time. The consumer reporting agencies have need to report all information with the correct accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ). I'm now requesting for you to investigate and provide verifiable proof withs records showing that I had late payments. if this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX XXXX XXXX Acct # 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