vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My first letters to the credit bureaus regarding this account were in XXXX XXXX and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Ordered an item through PayPal XX/XX/2022. Tried to cancel since money went to a different location then agreed. Was ordered USA transfer went to XXXX. After XXXX was taken out in XX/XX/2022. I disputed with paypal. Was told I had to wait since money to be received by seller XX/XX/2022. I have tried to get a refund through PayPal and fraud at my bank. Item never received. No one can help. PLEASE HELP. This was fraud!! 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase took XXXX $ out of my acct refunded XXXX Refuses to refund the rest. They lowered my credit amount the Day I requested my money back. Lied repetitively. weeks later my truck has been reposessed. They took every penny my wife and I had in that account and XXXX XXXX at Chase keep telling me 7 more business days. I will be Evicted from my home if I miss another payment. They are a Terrible Scummy bank. Countless people on other sites having the same problem over the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax and attorney genrals office continues to report inacurate information on my credit report. This is an effort to hurt and opprese me by destroying my credit score. Keeping me from good employment housing and jobs. the continue to violate federal law by reporting inaccurate information on payment history and allows the Attorney genral to move and change payment history to what they feel is correct. They have caught them several times reporting wrong info or jus flat out making it up but still allow them to report wrong information on my credit report. i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX I had certified mail a NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT. Bridgecrest had continued to violate my rights. On XX/XX/2023 I had received a bright yellow colored envelope in the mail. The contains in the envelope was a response from my CERTIFIED MAIL. Below are actual documents from Bridgecrest. Im the envelope Bridgecrest didnt send me the information that I had requested from the company. Instead Bridgecrest had sent a copy of the alleged vehicle loan. Below are information in which would help with this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My first letters to the credit bureaus regarding this account were in XXXX 2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around XXXX XXXX last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around XXXX XXXX last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX FTC and the Attorney General for Florida.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I took out a personal loan from XXXX XXXX XXXXXXXX i paid it off 3 years early and closed account last year, yet they continue to falsely report i have a open account with a massive balance all FALSE AND FRAUD, today when i spoke to a service rep. she admitted they are trained to mislead, delay, make false statements, as if customers like me pay off early the company loses % % % funds. 

She admitted they have been lying and filing false information to all the credit reporting agencies. I have complained to them several times and was told i need to file with your agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am making this complaint myself. please do not close this complaint please submit it to the credit reporting agencies. I noticed accounts that do not belong to me on my credit report and i called the companies and i did not authorize these accounts nor did I benefit from them im any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted a previous complaint to XXXX about this issue, however the complaint was ignored as their response appeared to be in response to a separate complaint. Therefore I am resubmitting the complaint with TWO SPECIFIC QUESTIONS that I except XXXX to respond to : 1. I was a perfect customer of yours for 3 years of a lease, never missing a payment. When the lease was finalized in XX/XX/XXXX, I turned in the vehicle and bought a different make from the dealership. Then much later, in XX/XX/XXXX, XXXX charged me a fee and said they would have waived it if I had gotten a XXXX. Nine months earlier, nobody mentioned this fee or offered to waive it if I got another XXXX. Also, ignoring the fact that I have a receipt showing I pre-paid the turn-in fee, my question is this : why does XXXX think its appropriate to take 9 months to invoice a customer, then while that customer attempts to call-in and confirm the accuracy of the charge, XXXX instantly begins reporting XXXX payments to the credit agencies? Why can XXXX take an unreasonable amount of time to submit an invoice, and not afford the customer a single day to understand where this charge is coming from ( especially when XXXX was unresponsive during the pandemic and it was difficult to receive responses )? 

2. The process to have XXXX honor the terms of the agreement was extremely unpleasant. After months of attempting to get through to XXXX, I realized it was not worth my time and effort, so I decided to simply pay the invoice ( for the second time ). I spoke to a representative who confirmed any negative remarks would be removed from my credit report if the fee was paid. Therefore, I paid the fee and provided proof of payment to XXXX. Unfortunately they continue to ignore this payment. So the question is : why do you ignore this payment and refuse to update the remarks to the credit reporting agencies? While it was unethical to immediately report late payments to your seriously delinquent issuance of the fee, it is absolutely immoral and illegal to lie about not receiving payment. 

Since the actual complaint questions have been ignored in the past, I just want to reiterate so there's no confusion about what questions XXXX should be responding to : 1. Why can you take 9 months and issue a delinquent invoice, but the customer has no time to confirm the accuracy?

2. Why are you refusing to acknowledge that payment was made, even though I have submitted proof of payment made on XX/XX/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 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number # XXXX XXXX  Collections Agen Account number XXXX has violated my rights. 

15 U.S.C 1681 sections 602A states HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 sections 604 A sections 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Checking accounts and credit cards that are paid off or closed but show that theyre delinquent on my credit history. Also, accounts opened in my name that arent mine and addresses that arent mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
Around XX/XX/XXXX we filed a dispute with Mattress Firm via Navy Federa Credit Union Mastercard. The dispute was regarding a defective Tempurpedic queen size mattress which the specifications were 58x78 inches instead of 60x80 inches. Also, included in that dispute was a restocking fee for {$540.00} in which were were disputing because we were not informed of this restocking fee or any information about their return policy. We were given the run around with Navy Federal regarding this dispute. The Navy Federal employees were communicating different information to us as we had several phone calls that last over 2 hours basically on each phone call.. When Navy Federal first submmited the dispute that left out the information regarding the mattress was defective because it was not in compliance with standard queen size bed. It's noted that on XXXX and XXXX XXXX the speciafications of the queen size bed. They ruled in XXXX XXXX favor because when they submitted the dispute the first time they left out was the critical information of the defective mattress. Navy Federal only considered the restocking fee and not the defective mattress. Its my undertanding the a company can not charged a illegal restocking fee if merchantise is defective or not as decrijbed. We also had to sign under duress for the mattress to be picked up with a notation of the restocking fee. We feel Navy Federal is not compiling with the regulations of Mastercard code 4853 dispute code and failed to providing protection for us as a consumer. Navy Federal phone # is XXXX XXXX. Also, we were not informed about the outcome or no communication until we inquired on XX/XX/XXXX. We paid off the credit card and closed the account on XX/XX/XXXX.

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 2023-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: CA

Complaint narrative:
In XX/XX/2022, I received a notice about my loans coming out of the program that had a locked interest rate of 4 % which lowered my monthly payment because originally I was not able to afford the monthly payment without being in that program. Proactively, I called Sallie Mae in XXXX to discuss my repayment options as this program is coming to an end. I called them before my due date of XX/XX/XXXX. And they told me that I couldnt, talk to anybody yet because as of that point my loans were still in a program and so any sort of eligibility for other programs would not show. That customer service representative advised me to call after my XX/XX/XXXX payment has posted saying XX/XX/XXXX. Sometime in early XXXX, I called and spoke with someone about my repayment options. They said that there was no options available for me because I had not applied with an 18 months of the loan disbursement date and Ive use my forbearances. I was unaware about the forbearance as I have used because I was under the impression that I was going into special programs while I was in school and I wasnt able to repay because I had just finished law school and was taking the bar and had no income and apparently, during that portion of my life, they were using a forbearance, because there wasnt any other program available to me. At that point that gentleman gave me a phone number to call for loan servicing options. On XX/XX/XXXX I called that phone number and tried to speak to somebody about loan repayment options and they told me they would not talk to me until my loan was in collections. That person advised me I can not call until XX/XX/XXXX. Because that is when the 5 day grace period ends, sending me into collections. Every time I have called Ive been given a different date and XXXX just trying to figure out a way to be able to pay my loans but not at the payment because I cant afford the payment. A separate complaint is regarding the interest rates that these services are able to charge on student loans, my student loans have an interest rate of 14 % which is a little ridiculous given that it seems a bit predatory since I was XXXX XXXX XXXX signing documents that I had no idea about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company response to consumer: Closed with explanation