vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Equifax I am writing to request that you remove an item from my credit report that I believe is in violation of the Fair Credit Reporting Act. After reviewing my credit report, I noticed that there is a negative item on my report that should not be there. The details of the item are as follows : XXXXXXXX XXXX XXXX, account opened on XX/XX/2016 I believe that this item is in violation of the Fair Credit Reporting Act because [ this account has not reported all on time payment from XXXX ( XXXX ) XXXX ( XXXX ). I am requesting that you investigate this matter and take appropriate action to remove this item from my credit report. As you are aware, the FCRA requires that all information reported to credit bureaus is accurate, verifiable, and timely. This item is causing harm to my credit score and my ability to obtain credit, and I would like to see it removed as soon as possible. 
In addition, I have attached a second note to this letter to provide further details on the issue and evidence that supports my claim. I am willing to provide any additional information or documentation that may be necessary to assist with your investigation. Please let me know if you require any further information or if there are any questions about my request.

Thank you for your attention to this matter.

Sincerely, Upon checking transunion, experian. They all reporting accurately on o time payments but Equifax is lacking some work. I will sue if this is not rectified!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/2023 Capital One did a hard inquiry on my credit that I didnt authorize. I have contacted capital one. Told them I am a victim of identity theft and I didnt authorize any credit card application on XX/XX/2023. The lady assured me they shut down the online application but she instructed me to file a report with identitytheft.gov

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management has not corrected the inaccuracies on the 3 credit reporting agencies. Balance, status, payment history all inaccuracies. According to the fair credit reporting all information must be 100 % accurate. 15 USC 1681 15 USC 6802 Obligations with respect to disclosure of personal information. The law requires disclosure allowing me the option to opt out of public information sharing. I have not received any disclosure as per the law.

15 USC 6801 Protection of non public information.

Charge off status IRS considers charge off as income.

Please remove this slanderous comment from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, I have never dealt with XXXX I explained to them that my identity had been stolen and they did not understand I filed a claim with all 3 credit bureaus and they did not remove the account XXXX  XXXX co l XXXX, Also the same thing with this account, I filed a claim in all 3 credit bureaus and it appears again and I have never had any business with them nor have I bought any product with them.

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 2023-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: RI

Complaint narrative:
Since UWM began servicing my loan, every year I received past due tax notices from the city. This year I received one and went through the normal process of submitting the bill. UWM received this and said they would look into it. Over a month later I received another notice from the city stating if I dont pay the balance ( over $ XXXX ) it will goto a tax sale in XXXX. I pay every month and UWM is supposed to handle paying my taxes through escrow. Now they are not handling it even after making a complaint about it. When I call they tell me I need to submit the form online, but that didnt fix the problem. 
Loan servicer is United Wholesale Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to dispute the accuracy of an account on my credit report that is being reported by TransUnion. The account in question is [ account name and number ], which is being reported as collection. I believe this account is inaccurate and request that TransUnion investigate the account to ensure that it is being reported correctly. I also request that TransUnion provide me with validation of the account in question, including but not limited to : * The name and address of the original creditor * The original account number * The date the account was opened and closed, if applicable * The total amount owed on the account * The dates and amounts of all payments made on the account If TransUnion is unable to provide validation of the account, or if the account is found to be inaccurate, I request that TransUnion remove the account from my credit report.

* Enclosed with this letter, please find a copy of my credit report highlighting the account in question.

* Thank you for your attention to this matter. 
* Sincerely, * 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 2023-02-26 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: PA

Complaint narrative:
I just reviewd my credit report and I noticed inquiries on my report that I did not authorize and will like to have these romoved!

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 2023-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Dear PayPal Customer Service Team, I am writing to lodge a formal complaint regarding my inability to make payments using my PayPal account. I have been facing this issue for quite some time now, and despite my best efforts, the problem persists. I have given my account a rest for 24-48 hours, but it has not resolved the issue.

The problem, as I understand it, is related to security triggers that exist on my account. These triggers are preventing me from making payments, and I am unable to carry out even the simplest of transactions. I have attempted to contact your customer service team to resolve this issue, but to no avail. 

I understand that security is a critical concern for any financial transaction, but this situation is becoming increasingly frustrating. I have a significant amount of money in my account, and I need to make payments urgently. However, the current restrictions on my account are making it impossible for me to do so. 

I am hoping that you will take this matter seriously and resolve this issue at the earliest. I request you to thoroughly investigate the issue and remove the security triggers that are preventing me from making payments. I would also appreciate it if you could provide me with a timeline for resolving this issue, so I can plan my payments accordingly. 

As a valued customer, I expect PayPal to provide me with reliable and efficient service. I have been using PayPal for several years now, and I have always found it to be a reliable platform. However, the current situation is making me reconsider my options. I hope that you will take prompt action and restore my account to full functionality. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX my Bank of America Prepaid EDD account opened with the EDD back up payments. 8 days later, an unauthorized withdrawal of {$5000.00} happened, I filed a claim and approx. 2 weeks later, the {$5000.00} was put back into my account. I requested for them to close that account and reopen a new one since this account has obviously been fraudulently hacked. This was ignored and I was reassured by the bank that there was no need to do this. I was homeless at the time and wasn't able to pick up my mail as frequent as it came. There was continuous problems with unauthorized transactions and I had to continuously change cards. Last year there was a class action lawsuit against B of A due to fraudulent actions in the EDD Prepaid accounts that is still active. I opened up 5 claims on XX/XX/XXXX with a total of {$4100.00} and I should of received a letter just acknowledging the fact of these being opened. Ive received nothing and the status is supposedly still pending. They are responsible to credit me {$4100.00} for numerous reasons, not closing this account in the beginning when {$5000.00} was fraudulently taken and open a new one, and for not performing the actions stated in our contract they would perform to protect my funds.

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 2023-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The company keeps calling my job and harassing me. I can not receive personal calls at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a general complaint with how my Experian FICO score is impacted by paying off the monthly balance on one of my cards. I currently hold several credit cards with XXXX balances and use one regularly. What I have noticed is that if I leave a small balance on the card I use regularly, my Experian FICO score isn't negatively impacted. If I pay off the card in any given month and my statement shows a XXXX balance, then my Experian FICO score drops substantially. 

For instance, this month ( XXXX ) I had a small overpayment of {$7.00} on my XXXX XXXX  XXXX  beginning with XXXX on Experian 's website, so my XXXX statement balance for that card on XX/XX/XXXX was - {$7.00}. That is the only balance I had on ANY of my credit cards. On XX/XX/XXXX, my Experian FICO  score PLUMMETED XXXX points because of the negative balance on this card 's statement. This is egregious. Paying off the balance on a credit card ( not closing out the account ), should not cause this type of drastic reduction in a FICO score. It's like you're being punished for being responsible. 

I realize this is most likely a problem with all credit reporting agencies, but I have noticed it happening like clockwork with Experian. I would like to know if anything is in process to " fix '' this problem. When the FICO score is so prominently used when applying for new credit or loans, I would hope something is being done to remedy this 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 2023-02-26 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: GA

Complaint narrative:
This credit bureau has violated 15 USC 1681i and 15 USC 1681e. 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. All I have been getting are frivolous, XXXX  automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

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 2023-02-26 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: AES/PHEAA
State: NY

Complaint narrative:
My student loans were transferred from Fedloan servicing to XXXX and then were paid off via pslf. Fedloan does not seem to exist as a company anymore and its impossible to contact them. My old fedloan account is still showing up on my credit report as being open with a balance which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
When I went to check my credit, I noticed that I had 3 unfamiliar inquiries on my credit report. I quickly called the XXXX XXXX XXXX, and they confirmed that there had been 2 applications and 1 open account. Then in the mail, later, I found another application that was denied. Someone is trying to get credit cards in my name, and I believe it is my mother or her husband. The places they went to were in the area for where they live. ( around XXXX, TX ) This isn't the first time that this has happened to me either, the same thing happened in XXXX, and I filed a report as well. And then also they had a collections in my name years back. I have the application that was supposedly signed in XXXX, TX XX/XX/XXXX, but I was in XXXX XXXX, taking a flight to XXXX early that morning. This resulted in a bill of collections for {$1300.00}. This is ridiculous. 

Please see below the recent frauds in my name. 
XXXX XX/XX/XXXX- ComenityBank / XXXX- application made in store XX/XX/XXXX - ComenityBank  / XXXX -application made in store XX/XX/XXXX - ComenityBank / XXXX - account opened XX/XX/XXXX XXXX XXXX / XXXX XXXX - Letter in the mail saying my application was denied Also, especially, during the XX/XX/XXXX frauds, I work offshore and could not have been able to go into a store. and the XX/XX/XXXX XXXX, I was just flying back on land to XXXX, LA at around XXXX and took a hotshot to my house through my company. The Comenity Bank representative was able to confirm that the stores were in XXXX, TX and XXXX, TX. I worked with XXXX and XXXX to put a freeze on my account. there has to be something done about these people trying to open credit cards in my name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My account was blocked twice after depositing due to verifying my transactions. After Ive verified I was told I would have to wait 10 business days for my account to be unblocked. Again soon as I did deposit a few weeks after my account was blocked I didnt get any reason of why it was, I was told we have no information or nothing on why its blocked you just have to wait. Everytime I do a deposit wether its a check cash, Mobile banking I get blocked for 10 business day which is not right. I requested to close my account and I was told they cant close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc.

Complaint narrative:
Crypto.com is selling airtime or minutes for cellphone carriers, and charging you more then what the stated price says. It will for example state a XXXX $ XXXX airtime voucher for XXXX XXXX  is a specific amount of XXXX. But when you check what dollar amount the actually charge you based on the displayed amount of XXXX  is in fact not XXXX $ XXXX, but always in the ball park of XXXX $ XXXX. When you ask crypto.com about this, they make it seem like its nothing but the exchange rate, but the value XXXX  cant physically change this much in a span of XXXX minutes. And I have went back to check the value price as it changes and its always XXXX $ XXXX. I believe this is unethical and wrong of crypto.com, they highlight the XXXX  % cash back for the transaction over their platform, but they fail to mention that you arent really paying XXXX $ XXXX, but really more. I have attached examples of the consistency of {$62.00} XXXX, vs how it says XXXX $ for the voucher, how now where it states their is extra charges, and how crypto.com tries to blame it on the spread sheet. If that was the case, then why does the costs they want to charge always convert to XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Looking through my credit report I see there's addresses that I've never resided, Please take this request to look at it and have them removed from my personal section of my credit report. I appreciate the time taken to view my complaint, thank you.

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 2023-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My student loans were transferred from XXXX XXXX to XXXX and then were paid off via pslf. XXXX does not seem to exist as a company anymore and its impossible to contact them. My old XXXX  account is still showing up on my credit report as being open with a balance which is incorrect

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 2023-02-26 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: NY

Complaint narrative:
My student loans were transferred from XXXX XXXX to XXXX and then were paid off via pslf. XXXX does not seem to exist as a company anymore and its impossible to contact them. My old XXXX  account is still showing up on my credit report as being open with a balance which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My student loans were transferred from XXXX XXXX to XXXX and then were paid off via pslf. XXXX does not seem to exist as a company anymore and its impossible to contact them. My old XXXX  account is still showing up on my credit report as being open with a balance which is incorrect

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 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying to work with the agencies that are continuing to report wrong information on my credit report. I know I have every right to dispute these accounts that is severely hurting my credit and preventing me from purchasing a home and a car. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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