vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : # XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and should be removed from 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 2024-01-06 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: KY

Complaint narrative:
I done filed a complaint once.. 
Venmo keeps freezing my account when I got XXXX kids and bills to pay and food to put on the table.XXXX Im sick of this XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06 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: NY

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 2024-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
I was in the hospital for a couple of months. I had a late fee and interest placed on my Target credit card. As soon as I was released and able to open my mail due to being very ill, I called the credit card company. I explained to them what had happened. They refused to waive the charges. I closed the account. I had no outstanding balance as I paid everything I owed except for the late fee and interest charges. They said they could not do anything since I had 2 other late fees that had been waived earlier in the year. I do not use or have any other credit cards and that was my fault as I did overlook the payments on accident. Now the fees on this card keep piling up and adding to only late fees. The credit card company refuses to removed these charges and this will have a huge impact on my credit score. The fees are due to not being home to get mail while i was in the hospital. 
Can you please help me with getting these late fees that are adding up removed. 
Thank you so much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: EdFinancial Services
State: CA

Complaint narrative:
Back in XXXX XXXX XXXX, I paid {$1800.00} off my student loans and recently, I made another payment of {$1300.00}. None of my payments were shown in the history of payments nor did the balance that I owe was reduced. The interest for these loans continues to increase because the balance stayed the same. The money was taken out of my account already. I tried to email them and chat live but I did not receive any response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Subject : Urgent Assistance Needed Regarding Missing Deposit Dear Chase Bank Customer Support, I hope this letter finds you well. My name is XXXX XXXX XXXX and I am writing to bring to your attention a concerning issue I have encountered with a recent deposit from XXXX XXXX. 

On [ Date ], I was expecting a deposit of {$270.00} from XXXX XXXX to be credited to my account ( Account Number : XXXX However, upon checking my account, I noticed that the deposit did not reflect as expected, and it seems there might be an issue with the transaction. 

Given the importance of these funds, especially during these challenging times for me and my family, I kindly request your assistance in investigating and resolving this matter promptly. The {$270.00} is crucial for me to address immediate financial responsibilities, including providing for my newborn baby and family. 

I understand that unforeseen issues may arise, and I appreciate your prompt attention to this matter. If there are any additional details or documentation needed from my end, please let me know, and I will be happy to provide them. 

Thank you for your understanding and assistance. I look forward to a swift resolution to ensure the funds are correctly credited to my account. 

Sincerely, XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: CA

Complaint narrative:
I do not have any current loans with Department of Education/XXXX XXXX The balance is XXXX. It keeps showing that I owe {$130000.00} on Equifax and XXXX. Disputed with them many times but they have not removed XXXX from my credit reports. I even called XXXX using XXXX to verify that I do not have any balance or current student loans with XXXX. The representative sent me a letter to verify that the balance is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not have any current loans with Department of EducationXXXX XXXX The balance is XXXX. It keeps showing that I owe {$130000.00} on XXXX and Experian. Disputed with them many times but they have not removed XXXX from my credit reports. I even called XXXX using XXXX to verify that I do not have any balance or current student loans with XXXX. The representative sent me a letter to verify that the balance is 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 explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not have any current loans with Department XXXX Education/XXXX  XXXX The balance is XXXX. It keeps showing that I owe {$130000.00} on XXXX and Experian. Disputed with them many times but they have not removed XXXX from my credit reports. I even called XXXX using XXXX to verify that I do not have any balance or current student loans with XXXX. The representative sent me a letter to verify that the balance is 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 2024-01-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
Bank is collecting from present owners for debt of prior two owners Apparently XXXX XXXX has personally accepted responsibility of the debt in the letter, and he has closed on a property in Florida where he got XXXX cash to pay his debt to the bank. 

We already paid cash for this property and the bank and their attorneys collected XXXX cash for the sale of the home deposited in increments of XXXX in the trust account that the atttoney XXXX XXXX got funds and documents by order of the nationstar bank. 

bank XXXX XXXX already collected about XXXX XXXX XXXX that along the XXXX that natiobstar has is XXXX that offsets the XXXX XXXX original note that XXXX XXXX XXXXXXXX bought, That should leave a smaller balance of about XXXX The bank bought their loan for XXXX XXXX XXXX XXXX  and offered it for sale for XXXX XXXX which we already have paid to the bank, The collectors that the bank sent wanted XXXX for it, so we agreed to pay that minusthe cash already paid XXXX leaving a balance of about XXXX that we can get through a loan with XXXX XXXX XXXX per the terms stipulated in court documets filed recently. 
It is our property and we live in it as our homestead and our personal residence for the last 15 years the XXXX XXXX XXXX XXXX XXXX XXXX and have apparently as discovered by XXXX XXXX XXXX saved cash for 15 years in a llc that paid off a home that was sold for cash for XXXX cash to them in XXXX neither XXXX XXXX XXXX XXXX XXXX asked for a payoff. of the lien that the XXXX XXXX have in XXXX that nationstar filed..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I was scammed over paypal by using friends and family to make payments. 

PayPal said they would t do anything because it does t offer protection with friends and family I thought by using a credit. and I was protected. they informed the bank that because it was a f & f that it wasn't a purchase but a money transfer and I my credit wasn't protected

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: NJ

Complaint narrative:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME DPT EDXXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME DPT EDXXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

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 2024-01-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME DPT EDXXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME DPT EDXXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

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 2024-01-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My original car note was paid in full. XXXX XXXX sent me a lien free title after they received notice. When I went to apply for a new home, I was informed that there is still a balance owed showing on my report. The consumer reporting agencies by law have an obligation to report is continuing to furnish inaccurate information to my report 100 % accurate information to consumer reports. This account has been written off as paid on the books of financial institution and reported to the IRS. Reporting this debt is a direct violation of the law.

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 2024-01-06 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: TX

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 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 non-monetary relief
Consumer complaint received 2024-01-06 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: Larry H. Miller Group of Companies
State: NJ

Complaint narrative:
Prestige hired a collection agency to repo my vehicle without validation and sold false information stating a debt owed I dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: PA

Complaint narrative:
My original car note was paid in full. XXXX XXXXXXXX sent me a lien free title after they received notice. When I went to apply for a new home, I was informed that there is still a balance owed showing on my report. The consumer reporting agencies by law have an obligation to report is continuing to furnish inaccurate information to my report 100 % accurate information to consumer reports. This account has been written off as paid on the books of financial institution and reported to the IRS. Reporting this debt is a direct violation of the law.

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 2024-01-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME DPT EDXXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXXXXXX XXXX XXXXXXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME DPT EDXXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company XXXX IS REPORTING INACCURATE INFORMATION TO MY CREDIT REPORT EVERY TIME I DISPUTE IT THEY LIE AND SAY ITS ACCURATE I HAVE MY PROOF OF PAYING THIS ON 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 explanation