vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Received my statement with {$30.00} late fee. My bank verified the check payment was received and cashed on XX/XX/24. I called & was told payment was due on the XXXX and it was received on the XXXX. They said that on the XXXX is when they charge the late fee. My statement shows late fee was charged on the XXXX before I was supposedly late. This is very wrong to do to a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
After a friend 's XXXX account ( and XXXX messenger account ) was hacked, I was under the impression I was communicating with him about purchasing his father 's auto. 

The scammer also provided the street address where the car could be driven which checked out. 

The scammer then sent me to Paypal and requested I transfer {$1000.00} to hold the car. He also requested I use the friends and family option. 

As soon as I made the transaction I got suspicious and requested the money back. The scammer refused and I immediately contacted PayPay. I didn't receive a response until the following day. I continued to correspond with PayPal, letting them know this was fraudulent and a hacked XXXX account, and they said they would get in touch with the recipient. They told me that during three different chats. I never heard back from them. 

I was advised to inform my bank of the fraudulent activity, which I had, and closed my bank account. I also cancelled my XXXX XXXX account which was a back-up payment method for PayPal transfers XXXX 

Fortunately, PayPal waited days before attempting to get the money from my bank account, which they could not because I had immediately closed it due to fraud. 

PayPal now is showing a negative balance of {$1000.00} on my account, and refuses to close my account. I imagine they may eventually start trying to demand payment and/or file something with a credit reporting agency.

My complaint centers around : 1. Before PayPal agreed to make the transfer, they said they needed info from me and requested my friends name. I reasonably interpreted this as a check that the person I was sending money to was my friend. I entered my friend 's name ( XXXX XXXX ) and they " fronted '' the scammer {$1000.00}. 

2. PayPal did not follow-up with re : their promise to contact the recipient ( scammer ) on my behalf and have the money returned 3. PayPal 's process allows recipients to block senders immediately ( or soon after transfers ) thus I was unable to contact the recipient through PayPal.

4. PayPal apparently has no recourse, or no delay, in sending money to recipients, thus when I let them know there was fraud, they claimed it had already been sent 5. Although PayPal is using the defense that " you have sent money from the same IP address, '' I have never sent more than {$100.00} to a " friends and family '' nor a legitimate business before. PayPal had no safeguards in place to protect such a large amount of money ( {$1000.00} ) from being sent to a scammer - and also, didn't seem alarmed or have any protocol for an unusually large first time transfer from me to a recipient I had never sent money to before

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Michael J Adams PC
State: TX

Complaint narrative:
On XX/XX/XXXX I checked my XXXX XXXX account so I could pay a bill. I noticed that there was XXXX taken from my bank account. I attempted to contact the company that placed the hold on on the XXXX XXXX. There was no answer and I left multiple messages. The company is Michael J. Adams PC. Address is XXXX XXXX XXXX. XXXX XXXX Tx XXXX. On XX/XX/XXXX my husband notified me that Michael J. Adams placed a hold on our other account that his military retirement checks are directly deposited into. They withdrew XXXX dollars from both accounts on XX/XX/XXXX. This made the XXXX account negative of XXXX dollars. At this point I contacted XXXX XXXX in which I live and they had no record of a judgement. I then called XXXX XXXX where the Michael J. Adams office is located and they had no record of a judgement. I then called XXXX XXXX where I resided until XXXX and found a judgement that I was not aware of. I was only aware of a judgement that was satisfied when my house sold in XXXX. I was never served for a debt. I then called XXXX recover and they stated that they tried to notify me and provided the wrong address and phone number. The phone number was not recognized. They then told me I have to contact Michael J. Adams. On XX/XX/XXXX I found a local number for Michael J. Adams and spoke with a legal assistance ( can provide name if needed ). She then told me I could make payments of the full amount or I could pay XXXX. I told her that I was not aware of any debt. She then sent me a charge off notice. I told her the amount is now XXXX and I am not sure how I owe them and would like a complete verification that this is my debt. The state of Texas has a statue of limitation of 4 years. Michael J. Adams took XXXX cents from my accounts. Once account has military retirement funds and the other account has a HRSA grant directly deposited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: NY

Complaint narrative:
There are several addresses on my report which is incorrect also employer which is inaccurate please remove all old information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
CKS Prime Investors, LLC said was my debt was paid off they would remove the derogatory mark off my credit report. I paid off the debt I. XXXX of 2024, it is now XX/XX/2024 and they still have not done what was promised on a recorded line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: DC

Complaint narrative:
Cfpb complaint inaccurate information In pursuant to 15 U.S.Code 1681 this is a violation of my consumer privacy rights. I am listing the account 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. This company is reporting inaccurate opening dates, inaccurate and Last reporting dates. CFPB, FDCPA and the BBB enforces 100 % accuracy when it comes to consumer reports. This company has been reporting inaccurate information that has been causing me and my family financial harm and emotional XXXX. Please have this account removed immediately. 

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I wrote LENDMARK for validation of debt around XXXX but they refuse my letter. my post office is my witness and can verify. 
Now this company is saying i owe them but have no idea who this company is never dealt with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: DC

Complaint narrative:
Cfpb complaint inaccurate information In pursuant to 15 U.S.Code 1681 this is a violation of my consumer privacy rights. I am listing the account 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. This company is reporting inaccurate opening dates, inaccurate reporting dates and inaccurate credit limits. 

XXXX XXXX Account # 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 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I checked my XXXX XXXX account so I could pay a bill. I noticed that there was XXXX taken from my bank account. I attempted to contact the company that placed the hold on on the XXXX XXXX. There was no answer and I left multiple messages. The company is XXXX XXXX XXXX XXXX. Address is XXXX XXXX XXXX. XXXX XXXX Tx XXXX. On XX/XX/XXXX my husband notified me that XXXX XXXX XXXX placed a hold on our other account that his military retirement checks are directly deposited into. They withdrew XXXX dollars from both accounts on XX/XX/XXXX. This made the XXXX account negative of XXXX dollars. At this point I contacted XXXX XXXX in which I live and they had no record of a judgement. I then called XXXX XXXX where the XXXX XXXX XXXX XXXX is located and they had no record of a judgement. I then called XXXX XXXX where I resided until XXXX and found a judgement that I was not aware of. I was only aware of a judgement that was satisfied when my house sold in XXXX. I was never served for a debt. I then called Portfolio recover and they stated that they tried to notify me and provided the wrong address and phone number. The phone number was not recognized. They then told me I have to contact XXXX XXXX XXXX. On XX/XX/XXXX I found a local number for XXXX XXXX XXXX and spoke with a legal assistance ( can provide name if needed ). She then told me I could make payments of the full amount or I could pay XXXX. I told her that I was not aware of any debt. She then sent me a charge off notice. I told her the amount is now XXXX and I am not sure how I owe them and would like a complete verification that this is my debt. The state of Texas has a statue of limitation of 4 years. XXXX XXXX XXXX took XXXX cents from my accounts. Once account has military retirement funds and the other account has a XXXX XXXX directly deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: AR

Complaint narrative:
I'm experiencing XXXX dissatisfaction, and XXXX  concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This company, Capital one, is reporting an account on my consumer reports and they have yet to verify and validate the debt. I submitted a request for them to send me an authenticated record of the account pursuant to XXXX XXXX XXXX XXXX XXXX which states that the recipient must respond to the request within 14 days. It has been over 14 days and I have not received a response. I have requested that the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss, a copy of the 1099-c that was filed for the account, the truth in lending disclosures, and the opt out disclosures. I have also requested that they cease all communication both directly and indirectly which includes consumer reporting. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: GA

Complaint narrative:
Tried making electronic payment from a new account ( number given to me by my credit union which turned out to be wrong account number that had the money in it ). XX/XX/2024 payment for XXXX which was not paid, XX/XX/2024 payment for XXXX which was not paid. Wrong account number used. XX/XX/2024 XXXX payment failed but Upgrade tells me they gave me credit for the payment on my account. It show on my Upgrade account as failed and my account was locked until I made the XXXX payment by certified check and I did which was credited on XX/XX/2024. My account balance is being overcharged XXXX and they won't remove this charge because they said they gave credit for it even though the payment failed. I have spent approximately XXXX separate phone calls trying to get this fixed but Upgrade will not remove the extra charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

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