vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
Whereas, on XX/XX/2023, instrument ( s ) of tender [ {$560.00} ] for the discharge/setoff/settlement hereinafter XXXX, for the discharge/setoff/settlement of BRIDGECREST account noXXXX XXXX  [ estimated {$20000.00} ] were sent to BRIDGECREST via United States Postal Service Certified Mail No. XXXX XXXX XXXX XXXX XXXX. 

Pursuant to UCC 3-311, Colorado Revised Statutes 4-3-311, BRIDGECREST had 90 days to return XXXX or credit the account. BRIDGECREST cashed the instrument. Pursuant to UCC 3-311, Colorado Revised Statutes, 4-30-311, UCC 3-603 , and the terms and conditions stipulated on the instrument, said XXXX is deemed accepted for the discharge/setoff/settlement of the above referenced account pursuant the records. This account is now deemed satisfied and or settled. 

BRIDGECREST has not responded to our demands to initiate arbitration and has not acknowledged payment thereby violating the above referenced laws.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-02-16 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: TX

Complaint narrative:
I am rewriting to express my concern and resubmit this complaint to EXPERIAN regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, EXPERIAN will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

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 2024-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
There are 5 inquiries on my credit report that I did not authorizes and need to be removed. Here are the list of them : XXXX XXXX, Capital One Auto Finance, XXXX XXXX, XXXX XXXX , and XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: RI

Complaint narrative:
I've purchased a {$100.00} Vanilla gift card at XXXX 's XXXX for my child 's bday, he tried to used it after opening there is no security code. Went back to the supermarket and said I have to contact Vanilla gift card but I've called them many times and was on hold for hours and did not send me a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
I am rewriting to express my concern and resubmit this complaint to TRANSUNION regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. 
It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, XXXX will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

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 2024-02-16 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: OH

Complaint narrative:
i am XXXX years old and been paying rent of XXXX for the last 6 years and want to buy a house instead of renting my whole life this unactual reports a hurting my family to live and own a house. according to the 15 U.S.C 1681 the law states there should not be any damages on my report as this is a defilation of character.

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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
On XX/XX/XXXX I submitted a payment to XXXX XXXX ( Paypal Credit ) using the full amount of my Paypal balance to make the payment. On XX/XX/XXXX I got notification that the payment had been reversed and then received a 2nd email stating the payment had been applied to my account, and I made a 2nd payment of {$200.00} directly from my bank account to my Paypal Credit Card. XXXX XXXX reversed the payment and applied a late fee of {$40.00} to my account. On XX/XX/XXXX I submitted a complaint to the CFPB. On XX/XX/XXXX, my Paypal account was restricted for " questionable activity '' on my account, but the only activity on my account has been the payment, the reversal, and the 2nd payment on my account. The " additional information '' requested to unlock my account was a copy of my ID by PDF or JPG, but the system would not allow me to upload a JPG, it produces an error that says " must be pdf or jpg. '' The system only accepts PDFs. I have submitted that information and filed another complaint with the CFPB. As of today, XX/XX/XXXX, my account is still restricted. Money can go into my Paypal account but I can not withdraw the {$71.00} remaining on my account nor can I make payments to my Paypal Credit card using that Paypal balance. I have paid the {$2100.00} balance on my Paypal Credit card and requested my account be closed with a text confirmation, I have not received that confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have filed several disputes with XXXX XXXX and XXXX this has been paid in full and settled on XX/XX/2024 Resurgent/LVNV Funding LLC/XXXX  states it take 30 to update with the credit reporting agencies. This unacceptable!!! As a consumer I shouldnt have to wait 30 days to have my credit reports updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: FL

Complaint narrative:
I Opened a claim on XX/XX/XXXX under the claim number XXXX XXXX credit was given but after 4 weeks that credit was reversed. 
I sent a letter explaining the situation and also the invoices to the bank on XX/XX/XXXX by fax to the number XXXX XXXX XXXX. 
I called today XX/XX/XXXX to know the reason for denial and they have a wrong address on file, I checked with my online banking and there shows a correct address. 
They sent documentation to the wrong address and because they didnt receive a response for those document they denied the case. 
Attached goes a screen shot of my address on my online banking which is the correct one.

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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
XXXX opened an account with Fortiva without my consent. We were told the fee for the equipment would be added to our XXXX account, and they will be opening a credit card exceeding the card amount, ultimately hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AP

Complaint narrative:
I made a fraud claim through navy federal credit Union on the XXXX of XX/XX/2024 for a large amount of charges from my accounts that I did not make totaling in the amount of {$8100.00}. I have waited 10 business days for the debit card fraud provisional credits and have not received them. My phone and account ID and passwords were compromised for a long time and my accounts were stolen and charges were still made on them. I contacted the companies myself and they refused to help recover any of the accounts or refund the unauthorized charges made so I made a claim through my bank and now they said that I am not entitled to my provisional credits until the investigation was completed due to the high amount of the claim. Which I made the called on XXXX the XXXX business day, I told them that federal regulation E does not state that there is a monetary amount cap on fraudulent charge claims that would hinder me from receiving a provisional credit. Only if the 60 day claim time frame has expired which it has not. I just got off a 2 hour and 13 minute phone call saying if I dont receive the credits by today I call again tomorrow to get them. Well if I have to contact them on the 11th business day which mind you is now going to be XXXX because of the weekend and federal holiday, for my provisional credit that is in violation of federal regulation E so should I sue my bank? Does it really have to go that far? I have called every business day just to be given different false information and ran around the bush for an answer. This is I feel all that I have left. Because they have caused a financial hardship for myself and my family making me have to choose paying bills on time or feeding my kids. Also I was never told one time that the bank required I send in a paper request I even have asked multiple times. I also asked if the phone calls were recorded for evidence of being thrown around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
a complaint and certified letter was sent to experian and I have not received the results via mail. I HAVE NO BANKRUPTCY AND NO INQUIRIES. YOU MUST REMOVE THIS IMMEDIATELY un-authorized 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 DEBT INCLUDED IN OR DISCHARGED THROUGH XXXX XXXX XXXX XXXX, or XXXX XXXX through 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 2024-02-16 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: MI

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPER BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. - 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 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

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 2024-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Wolf River Development Company
State: LA

Complaint narrative:
I applied for a loan, I was told that they could not verify my phone number and banking information. I spoke with a representative on XX/XX/24 and she advised I would have to do a three-way call with my bank to verify my information. I tried to call them but they were closed so I told the rep, I may call back on Monday XX/XX/24. I never called my bank or Elklending on or anything after that. I see in my email I got a approval from them without verifying my banking information or the number as they requested. I also did not e-sign any documents for the loan or finalizing anything. Now they say they credited {$600.00} to my account and now they are taking {$170.00} from every paycheck which I do not know any terms nor have I agreed to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
On XX/XX/2023 and XXXX XXXX I wrote letters to the bureaus requesting to update my accounts with late payments to be updated as PAID NEVER LATE. According to FRCA law 15 USC 1681 Sec 604a Sec 2 a consumer reporting agency can not furnish an account without my written instructions. I believe other FRCA laws were broken such as 15 USC 1681 Sec 602 which states I have the right to privacy and 15 USC 1666B that states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Mortgage transferred my mortgage to XXXX XXXX. 
The home was purchased in XXXX for XXXX then in XXXX, I owed XXXX on the home but in XXXX I owed {$120000.00} on the principal AND another {$46000.00} on the home. Totaling {$170000.00} by the time the home was foreclosed I owed {$190000.00} on the home. How can I owe an additional {$80000.00} on a home that was foreclosed upon. I never took out any loans or extra mortgages or pulled money out of the account. Chase is not explaining how and why and how this debt was inflated a whopping {$80000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: GA

Complaint narrative:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX - Account XXXX I don't recall having late payments on this account XXXX XXXX XXXX  - Account Number : XXXX I don't recall having late payments on this account

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 2024-02-16 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: GA

Complaint narrative:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX - Account XXXX I don't recall having late payments on this account XXXX XXXX XXXX  - Account Number : XXXX I don't recall having late payments on this account

Company response to consumer: Closed with non-monetary relief