vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: PA

Complaint narrative:
this account has been on my report for more than 7 years I've explained to the company this was fraud i wasnt even living in the state at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I got a new debit card on XX/XX/year> and I used it one time on XX/XX/year> I went to the doctor 's office and tried to exit the parking deck with my banking card but it was declined and when I reached out to my local bank Truist I was informed that a block had been placed on my account because of fraudulent activities. I verified the transactions that the clerk questioned me about but I was still told the block could not be removed. I was told to contact the fraud department of Truist and I did and the basically verified the exact transaction as the local branch and told me that the block was placed by a higher up and they had no information and I would be receiving a letter. I received the letter on XX/XX/year>. I called the number on the bottom of the letter but still no resolution from the person I spoke with in the fraud department, I was told to call back in XXXX hours but there was not guarantee that the issue would be resolved. I have asked each representative how long the process usually take but I have not receive a definite answer as of XX/XX/year>. I do not have funds to pay any bills, purchase my medication, buy groceries etc. I have been borrowing money from everyone to try to make it until this is resolved. My livelihood has been take away from me. I am very depressed and my XXXX  is out of XXXX  because I am so stressed about all that's going on.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
They are not paying my bills from my escrow account. I can not not reach anyone on the phone.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
1. I used Paypal Pay in 4 to purchase 2 items on XXXX ( XXXX XXXX ) on one order totaling {$460.00} 2. Items in the order was fulfilled by different sellers Item 1 Delivered as expected ( {$41.00} ) Item 2 Wasnt sent to my address ( XXXX - XXXX - {$420.00} ). More detail on this below 3. Filed a dispute with Paypal, escalated it 4 total times, provided a clearer explanation that the seller is being deceitful and that they should ask for and check proof, and apply common sense. Paypal denied the claim. 4. I escalated again, Paypal agent on the phone called XXXX, confirmed with them that the package is not addressed to me, agreed that this is an obvious scam and he has seen it happen before. 5. Paypal backoffice team closed the case in XXXX 's favor citing that the package was delivered, without checking WHERE it was delivered! 6. I Re-escalated the case with paypal, agent on the phone once again agreed that this is a very obvious scam. 

1. Paypal closed my case YET AGAIN on XX/XX/year>, citing that the item was delivered to me. It was NOT. I submitted a XXXX document showing delivery to ANOTHER ADDRESS. On XX/XX/year>, Paypal acknowledged and agreed with the additional evidence provided by me showing that the package in question was not sent to my correct address and is actually from another shipper to another customer, completely unrelated to me. 2. XXXX from Paypal called me about this, agreed that I've provided all the proof necessary, and explained that they do not require sellers to submit proof of delivery with the address below an amount of {$1000.00}. 3. Paypal mentioned they " have reached out to the Merchant for further evidence to show that they package in question was shipped to your correct address. ", The merchant has responded on XX/XX/year> with the same, incomplete tracking information they provided previously, without any evidence of the package being shipped to my correct address. the CRUX here is that 4. The evidence required by Paypal from its sellers showing delivery to the correct area without the exact address, is insufficient, incomplete and puts honest customers at a disadvantage while protecting deceitful sellers. 5. These actions show that Paypal is working with sellers to cheat customers for amounts less than {$1000.00} using fake tracking numbers. 

on top of that Paypal said " Upon review, the seller has provided compelling evidence to show that they provided the correct address to FedEx when the package was shipped. '' What evidence and why isn't it shared with me when all the other evidence was?? 

I am the one with compelling evidence, not the seller. I provided you the document you asked for, not the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: SC

Complaint narrative:
On XXXX XXXX my husband took me to XXXX XXXX XXXX, as I was experiencing XXXX XXXX XXXX XXXX XXXX. I was given and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and was told to follow up with my XXXX XXXX XXXX XXXX I am currently paying that bill for {$1000.00} in monthly payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in the amount of {$88.00} / Month. I have paid {$350.00} so far, it is XXXX out of my bank account. 

I started receiving bills from XXXX XXXX XXXX, I have never been there however my XXXX was whom deceased 3 years ago. I called the number on the bill from the XXXX  and explained that I was not there, the date was the same as the date I was treated and the XXXX XXXX XXXX, how could I be in XXXX places at the same time. They said they would note this. Approximately XXXX weeks later I received this letter from XXXX saying that I owe {$2000.00} - creditor listed is XXXX XXXX XXXX XXXX XXXX?. When I contacted the number on the UCB letter She said yes you were there we have you there, so I said let me see my admission, signature etc that they should have on file, she stated to send proof that I was not there to an email - XXXX. I said all I have is my XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  at XXXX XXXX. This is extremely worrisome to me, not only for my XXXX XXXX but that I XXXX be the victim of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I found a fraudulent collection account on my three credit reports. I've never had an account with this company. I'm not even sure how Columbia Debt Recovery gained access to my personal information. It says it's a rental agreement account, but I never lived at XXXX XXXX. I tried reaching out to Columbia Debt Recovery using the address that's listed on my credit report, but the mail was returned back saying this is an undeliverable address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: TN

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2024-09-04 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: MD

Complaint narrative:
My and my sister 's personal and credit information was inaccurate as a result of Equifax blending as as XXXX information ( ex : initially it was my sister 's name formerly known as my name and after sending a bunch of information om several occasions they have it as my name formerly known as my sister ). As a result, my online account consists of my name, formerly known as my sister, and all of my sister 's credit history. We are XXXX separate people. I have been mailing documents and calling since XXXX XXXX. My most recent letter is dated XXXX XXXX. On XXXX XXXX, and Equifax representative confirmed the mailing was received on XXXX XXXX. Why hasn't been my online account adjusted?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and remove these items from my report. It is my understanding that you will contact the creditor responsible for reporting these items to verify their accuracy. Please proceed to eliminate any information that the creditor is unable to verify. I am aware that according to 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
I have not authorized the following inquires and I need these items removed immediately from my XXXX, Transunion aXXXX 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
Consumer complaint received 2024-09-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not authorized the following inquires and I need these items removed immediately from my Equifax, XXXX and XXXX report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally request the immediate correction of an inaccurately reported late payment entry on my credit report concerning my Navy Federal Credit Union account. The details of the account are as follows : Account Number : XXXX XXXX XXXX XXXX Upon reviewing my credit reports, I have identified discrepancies that require urgent attention XXXX XXXX and XXXX : My payments on this account are accurately reported as being made on time. 
XXXX and XXXX : These bureaus incorrectly indicate that I missed a payment on this account. 
I want to emphasize that I have never missed a payment on this credit card. All payments have been made punctually through a recurring payment setup, which should ensure timely and consistent payments. The inaccuracies reported by XXXX are likely due to a system error, and I request that these errors be rectified immediately. 

Legal Basis for Correction : According to 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Given this legal requirement, it is imperative that my credit report accurately reflects my payment history and financial responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: GA

Complaint narrative:
I am writing to formally request the immediate correction of an inaccurately reported late payment entry on my credit report concerning my XXXX XXXX XXXX XXXX account. The details of the account are as follows : Account Number : XXXX XXXX XXXX XXXX Upon reviewing my credit reports, I have identified discrepancies that require XXXX attention XXXX Experian and XXXX : My payments on this account are accurately reported as being made on time. 
XXXX and XXXX : These bureaus incorrectly indicate that I missed a payment on this account. 
I want to emphasize that I have never missed a payment on this credit card. All payments have been made punctually through a recurring payment setup, which should ensure timely and consistent payments. The inaccuracies reported by XXXX are likely due to a system error, and I request that these errors be rectified immediately. 

Legal Basis for Correction : According to 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Given this legal requirement, it is imperative that my credit report accurately reflects my payment history and financial responsibility.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: OH

Complaint narrative:
XXXX is reporting to XXXX, XXXX, and XXXX that they verified the information that I disputed as being verified from the source. I requested the name of the person at the XXXX  XXXX that they spoke with that verified this information for them. They did not furnish a name to me, but instead referred to a third-party system. I know that accuracy is key on any of these reports and so when I contacted the XXXX  XXXX  in via certified mail ( XX/XX/year>2024 ), the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Ohio responded with a letter stating that " The XXXX XXXX XXXX  XXXX XXXX  XXXX does not report any information to credit reporting agencies. '' The letter they sent back to my wife XXXX and I was postdated for XX/XX/year>2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief