vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to urgently inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent inquiries on my credit report. These inquiries were made without my knowledge or consent, and immediate action is required to remove them from my record. 

INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already submitted an identity theft report to the Federal Trade Commission ( FTC ) and am requesting that these unauthorized inquiries be removed promptly to maintain the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One removed credit card account from XXXX report and added a remark of " discharged by bankruptcy. '' Account was never discharged by bankruptcy and is active, open and used daily. Capital One told me they can not discuss anything about credit reports and told me to dispute with XXXX which was not successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: Paypal Holdings, Inc
State: NE

Complaint narrative:
I never got an respond back or the call back from the lady who called me I even sent messages from my PayPal account I need to close the old account down and transfer my funds to an new account with PayPal that is not BLOCKED by PayPal security that PayPal said they can not unblock so if that is the case transfer my funds and open me up a NEW ACCOUNT ASAP and I want PayPal to provide proof and why why are they blocking my account with they security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UPGRADE, INC.
State: CA

Complaint narrative:
UPGRADE INC Account # XXXX, I recently viewed my credit report and notice an item was turned into a charge-off. I never received a 1099 form and was wondering could you please send a 1099 foe the item that is reporting as a charge-off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I was contacted on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Perpay, Inc.
State: GA

Complaint narrative:
XXXX packages. Can not reach customer service. No working telephone number to reach out for assistance. I have one lost order and several held up orders while still being charged monthly for a service that I can not use. Reached out via email sent to at XXXX and was told that I needed to log in yo my account for assistance. I am clearly logged in my account to have placed orders and the chat feature is disabled. Several lost package requests have been submitted with no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank records, the payment was made on time, and there should be no late payment reflected in the report. I have enclosed bank statements showing the exact date of the transaction. 
XXXX XXXX XXXX : The creditor accepted the payment but failed to update their system promptly, resulting in an unjustified late payment entry. I have included communication from the creditor acknowledging the delay on their end. 
Miscommunication from XXXX : There was an error in the creditor 's communication about the payment schedule, which caused confusion about the due date. This confusion was acknowledged by the creditor, and I have included the relevant correspondence as evidence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I am filing a complaint associated with my Barclays credit card ending in XXXX. Barclays reported a 30 day late payment for XXXX, XXXX with all 3 credit bureaus. Two payments were made which were reported on my XX/XX/XXXX statement. XXXX and XXXXXXXXThe XXXX  payment was returned due to a bank error, but re-submitted and cleared on XX/XX/XXXXXXXX The customer service representative states that the 30 day late reporting was incorrect and that it was only 7 days late, and that she believes it was a glitch in the system. I sent a letter to Barclays with evidence of the mistake ; but they sent me a letter stating the reporting was correct which is wrong. This mistake has hurt my credit report, making me pay more in interest on a personal loan as well as making it difficult in obtaining financing for a medical practice loan. I need this investigated and fixed.

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 2024-10-06 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: SC

Complaint narrative:
There is a collection account by the name of XXXX XXXXXXXX XXXX XXXX  thats on my credit thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: CA

Complaint narrative:
XXXX XXXX XXXX place a fraudulent. collection withXXXX no account number for {$2800.00}. I do not own this outrageous amount. They got a XXXX deposit which covered the move out closet repair and cleaning of the apartment. This is fraud. Please remove this from my XXXX credit report. There is no account number this fraud. Under 15 usc 1681 N ( 2B ) & 10USC 1028 A if a cooperation pulls my comsumer report with out permissible purpose you must pay & XXXX for my information being sent and them accessing my personal credit report with out notifying me. This is aggravated ID fraud - delete this immediately and pay the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: WI

Complaint narrative:
Several accounts were opened and I have no knowledge. Please delete and update my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
Navient loan service deceived me into forbearance multiple times over the years. Quadrupling my original loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical Error : The payment was made on time, and I have attached bank statements confirming the payment date. 
XXXX XXXX : There was a delay in processing the payment on the creditor 's end, which resulted in the payment being marked late. Correspondence with the creditor confirms this. 
Miscommunication : I was informed by the lender that the payment due date had been extended. I have provided evidence of the communication where this extension was acknowledged by the lender. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-06 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: NC

Complaint narrative:
I am writing to urgently inform you that I have been a victim of identity theft, resulting in multiple fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and immediate action is needed to correct this. 

INQUIRIES : - 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 XXXXXXXX -- XXXX XXXX XXXX XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am requesting the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC
State: SC

Complaint narrative:
I was in the process of refinancing the mortgage on my home when my mortgage XXXX informed that a second mortgage on my property was being reported and is hampering my refinance process. I was not aware of any second mortgage, nor did I apply for XXXX. XXXX showed that a loan that I recently took out with Best Egg is being reported as XXXX XXXX XXXX or a second mortgage. When I applied for this loan online, I opted for the " secured '' loan as it has lower monthly payments and because the website and loan agreement state that XXXX XXXX XXXX security interest is in all " fixtures '' attached to the property and not the property itself. According to the Best Egg website and loan agreement, the XXXX covers the fixtures attached to the property and nothing else. If this loan is being reported as a second mortgage, then it is the result of XXXX XXXX XXXX misleading verbiage and wording on their website and in their loan agreement. My mortgage XXXX asked that I call Best Egg to resolve the matter, correct the credit reporting, and request that Best Egg " subordinate '' their lien in order for me to complete my mortgage refinance. When I reached out to Best Egg, they refused, saying the only way to " remove '' the XXXX is to pay it in full. I responded that I was not requesting to remove the lien ; only to subordinate it in order for me to complete the refinance. Of course, I was informed that Best Egg does not subordinate. I informed them that had I known that their secured option loan would be reported as a second mortgage on my property, I would have chosen the unsecured option. In fact, after learning how this is reported on my credit, I requested to change my loan to unsecured, to which they refused. I also informed them that the wording on their website and loan agreement regarding what secures the loan is very misleading and even predatory in nature, given their refusal to make any allowances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank records, the payment was made on time, and there should be no late payment reflected in the report. I have enclosed bank statements showing the exact date of the transaction. 
XXXX XXXX XXXX : The creditor accepted the payment but failed to update their system promptly, resulting in an unjustified late payment entry. I have included communication from the creditor acknowledging the delay on their end. 
Miscommunication from Creditor : There was an error in the creditor 's communication about the payment schedule, which caused confusion about the due date. This confusion was acknowledged by the creditor, and I have included the relevant correspondence as evidence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: WI

Complaint narrative:
After reviewing my report. There are accounts on it that I do not recognize, please delete and update my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The amounts reported for these accounts are incorrect due to the non-reporting of payment for the debts and lack of disclosure. If these debts were purchased, then some payment must have been made, leading to the reported incorrect amounts. Unfortunately, my credit report does not include the account numbers, but this lack of accurate information constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
I request that you investigate this matter and delete these accounts from my credit report immediately, as they do not accurately represent my credit history.

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 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have made payments to my Apple Card issues by Goldman Sachs and they place it on a ten day hold. However I make other payments and they are available immediately. The payments of {$550.00} and {$110.00} made on XX/XX/XXXX are on hold until XX/XX/XXXX making it where I have a late utility and two other bills

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
My account history on Mohela 's website shows the following : XX/XX/2024, Payment of {$330.00} received from me.

XX/XX/2024, " Payment reversal '' of {$330.00} Since this date, all of my payments have been going to interest : zero has been applied to principal. 
On XX/XX/2024, it shows capitalized interest of {$70.00}. 
I have paid every month, my account is current. 

I have asked Mohela to explain the payment reversal many times, they have not answered. I have asked them why my payments are going to interest only, they have not answered. I have asked them about the capitalized interest, they have not answered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I called several times in regards to disputes filed on my account that credit karma never filed and never completed even after I was told that they would begin the investigation I contacted credit karma on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also emailed credit karma in regards to the same ongoing not addressed disputes on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These disputes need to be processed immediately all of them were unauthorized transactions reported several times to credit karma and to date have not been investigated in anyway shape or form in direct violation of my consumer and banking rights. XX/XX/XXXX I spoke with XXXX a supervisor with credit karma who refused to help. Credit karma case number XXXX The unauthorized charges amount to over {$2000.00} + and there is a police report which I attempted several times to provide credit karma. Also credit karma intentionally and illegally doctored my bank statements in attempt to remove evidence of these illegal unauthorized transactions I have the original statements and credit karma intentionally assisted the theft of over {$2000.00} of my assets.

Company response to consumer: Closed with monetary relief