vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX, and so on.

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 2024-04-04 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX, and so on.

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 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I went to get a personal loan, i was made to have add on for 'insurance ' in order to get my loan approved. It was a loan with OneMain Financial. I have since renewed my loan but was finally able to take off the 'extra add-ons ' after the 3rd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: NC

Complaint narrative:
I sent the bureaus a letter back on XX/XX/2023 requesting information but they never sent me what I requested. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 


XXXX. XXXX XXXX XXXX. & XXXX XXXX. XXXX XXXXXXXX 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 2024-04-04 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
sent payment on XX/XX/year> called on XX/XX/year> payment inquiry stated did not receive it they started a investigationXXXX investigation completed unable to locate payment .I stopped payment on XX/XX/XXXXcost XXXX dollars.made payment online on XX/XX/year> .they tried to cash the check on XX/XX/year>. when I made the payment on XX/XX/year> the check was not there.tried multiple times to collect the XXXX dollar payment but was denied.company Apple Card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This is an issue that involves discrimination. I have been having an ongoing problem with PayPal and this account. I contacted PayPal XX/XX/2024 to alert them that my account was in the hole by to much money. 

I had a client that is known to me purchase services ( which the only legal reason that this kind of purchase can be charged back is fraud. 

His charge back did not equal the amount that they put my account into the hole for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I had disputed debt with Hunter Warfield collections by email with attached dispute. I requested written documentation and more information to verify the debt. I provided my full address, full name ad the account number and original creditor. I do not owe this debt and Hunter Warfield has wrongfully placed me with collections without allowing my opportunity to dispute the debt. I made several attempts to dispute to their email on XX/XX/XXXX and again on XX/XX/XXXX after their automated response refusing to validate the debt. Please see attached dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
DRIVETIME/BRIDGECREST POTENTIALLY NEGATIVE Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX Balance {$16000.00} XX/XX/XXXX {$300.00} as of XX/XX/XXXX - {$19000.00} - 69 Months XXXX  XXXX XXXX XXXX Auto Loan Individual XX/XX/XXXX Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms Repossession. {$16000.00} past due as of XX/XX/XXXX. On Record Until XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX XXXX XXXX Debt Buyer Individual XX/XX/XXXX Collection account. {$530.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$530.00} XX/XX/XXXX - - {$530.00} - 1 Months XX/XX/XXXX XXXX XXXX POTENTIALLY XXXX Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXX Auto Loan Individual XX/XX/XXXX Account charged off. {$26000.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$6800.00} XX/XX/XXXX - - {$26000.00} - 76 Months XX/XX/XXXX XXXX XXXX XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXXXXXX XXXX  XXXX XXX Secured Loan Individual XX/XX/XXXX Paid, Closed. XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms - - - - {$720.00} - 24 Months XXXX XXXX XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXX XXXX Individual XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$1800.00} XX/XX/XXXX - - {$1800.00} - 1 Months XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UMB FINANCIAL CORPORATION
State: OR

Complaint narrative:
This complaint is about a credit card account I closed. 

On XX/XX/2024 I contacted UMB Bank XXXX XXXX and told them I want to close my credit card account and have them return to me the over {$77000.00} credit balance on the account. The credit card account has been closed and Ive attached the letter from UMB confirming closure. 

On XX/XX/2024 ( XXXX PDT ) I received a call from someone at UMB Bank XXXX XXXX ) who told me that the bank wants me to reopen the account and spend my funds at XXXX ( an XXXX XXXXXXXX XXXX OK XXXX XXXX dealer ) rather than having UMB Bank return my funds. The male told me that if not his approach, then returning my ~ {$77000.00} to me would take 90 days. 

I think it was wrong for UMB Bank to ask me to reopen the account and spend the funds at XXXX. Additionally, I assume there are regulations about the amount of time a credit card company has to return funds to the owner when a card account has been closed. It may be 90 days, but I hope its less and if it is less then it was wrong to say it would be 90 days. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OR XXXX XXXX XXXX ( XXXX ) Attached ; Credit Card account closure confirmation letter from UMB Bank Card Services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

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 2024-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
They froze my accounts and took over {$16000.00}. They claimed fraud where there was none. They refused to give me any answers. Now they are even charging me overdraft fes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-04 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
SHELLPOINT has not ever provided an account number AND loan number at the same time. They move the account number over to the loan number as if they are one in the same. 

Received the response from Shellpoint for the XX/XX/year> Complaint and it's entirely false. 

1. there are NO executable signatures on any of the documents provided.

Part 4 Has no authorized signatures even allowing this process to occur. 

Part 3 XXXX XXXX is my lender and theres been no documents signed by borrower allowing any transfer. No executable documents. 

Part 2 a. All Covenents have been performed and theres been no evidence to show otherwise. The only change the borrower took was to exercise her right to pay principle first with penalties and then the interest. 

b. There has been no forfeiture or condemnation of property. 

c. There has been no abandonment of property When borrower was paying mortgage payments online with the option to pay principle only, borrower exercised that right. Then NewRez removed the option, closed the online acct and started foreclosure proceedings. 

Turned it over to some foreign entity, without any knowledge of borrower. Provided false information to pursue this foreclosure and land grab. 

MOST IMPORTANTLY, THERE ARE NO DOCUMENTS WITH SIGNATURES THAT EXECUTE ANY OF THE DOCUMENTS PROVIDED. 

I'M AUTHORIZING CFPB TO TURN THIS OVER TO INVESTIGATION AND REVOKE ALL LICENSES AND CERTIFICATIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Notice Of Dispute - XXXX XXXX XXXX  XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXX XXXX XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXX XXXX  XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXX XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.

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 2024-04-04 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-04-04 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:
I noticed accounts reporting on my credit report that I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: GA

Complaint narrative:
I noticed accounts reporting on my credit report that I do not recognize

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 2024-04-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked my credit report and I can still see the Fraudulent accounts that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.

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 2024-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
The loan was for the purchase of a new travel trailer. I sold my existing travel trailer and wanted to apply a {$25000.00} principal payment to the loan. The only way to apply the payment is to prepay the loan installments. By not applying the proceeds to principal and only prepaying the installments, this only saves me a nominal amount of interest. If the bank allowed a payment of principal it would provide the benefit of a more rapid amortization and shorten the term of the loan. The bank only allows principal payments to be applied on Home Equity loans. This practice does not encourage good financial management and is a disadvantage to the consumer

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 2024-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I can not get information from Mohela regarding whether and when they will apply an administrative forbearance with the {$5.00} minimum payment which is eligible for PSLF while my XXXX application is processing. I submitted an application to switch to the XXXX repayment plan via StudentAid.gov and also submitted my tax return separately through Mohela.com. Both these documents show as submitted, received, and processing. I called on Tuesday, XX/XX/2024 and was on the phone for hours and an agent said she could put me on a separate type of forbearance which would likely not be eligible for XXXX, which I refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation