vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 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 any consumer reporting agency if the person knows or has reasonable to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: MI

Complaint narrative:
Dear Sir/Madam, I am writing to dispute an account that is showing up on my credit report and is currently in collections. The account in question belongs to XXXX XXXX XXXX and has an outstanding balance of {$670.00}. I believe that this account has been inaccurately reported to the credit bureaus and should not be reflected on my credit report. 

Firstly, I have reviewed my records and found that I do not owe any outstanding balance to [ name of creditor ]. I have never received any communication from them regarding this account, nor have I ever made any payments toward it. Therefore, I believe that this account has been mistakenly assigned to me or that there has been some other error. 

Secondly, I have not been contacted by the creditor or any collection agency regarding this account. I was not aware of its existence until I checked my credit report. As per the Fair Debt Collection Practices Act, I have a right to be informed of any debt collection attempts made against me, and failure to do so is a violation of my rights. 

Lastly, I request that this account be removed from my credit report immediately due to the inaccuracies in reporting. The presence of this account is negatively impacting my credit score, and I believe that it is unjustified. 

I respectfully request that you investigate this matter and take the necessary steps to rectify this error. Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Klarna AB
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to you to express my formal complaint regarding the high interest rates that I am being charged on my installment loans with Klarna. As a consumer, I believe that I am entitled to fair and transparent lending practices that are in line with the relevant consumer laws and codes of banking. 

Firstly, I would like to highlight the fact that I am currently not working due to medical issues, which has led to financial difficulties. Despite this, I have been diligently making repayments on my loans, but the high interest rates have made it extremely challenging for me to manage my finances effectively. 

I am aware that there are specific regulations in place to protect consumers from credit card debt and other forms of predatory lending practices. I believe that Klarna should be adhering to these regulations and providing me with a fair and reasonable repayment plan that takes into account my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I visited the emergency room at XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX. My primary insurance was billed. They paid and left a {$170.00} patient responsibility. My secondary insurance was billed for this amount. They initially paid but later revoked payment due to the hospital not submitting the EOB from primary insurance. I spent the next 1.5 years trying to get this issue resolved. Despite countless attempts by both myself and XXXX to resolve the problem, the hospital never submitted the needed document. They instead sent me to collections. I submitted the needed document to XXXX several times, however there were issues with processing it as it should have come from the hospital rather than me. XXXX finally processed and approved the claim on XX/XX/XXXX. They stated payment of {$170.00} would be sent to the provider within 7-10 business days. However, the hospital continues to claim they have not received payment. They refuse to investigate the problem with receiving the payment from XXXX. They continue to pursue payment through a collections agency even though I have provided a copy of the EOB stating patient responsibility is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and this is my second complaint towards lvnv funding after they failed to rectify matters in my first complaint Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TX

Complaint narrative:
XXXX, XXXX, and Transunion are reporting an account that should not be reporting on my credit report. The account is XXXX XXXX. The account was sold to another lender XXXX which was already reporting on my credit report before it was removed. I am requesting that the account be removed due to double jeopardy and the fact that the information is inconsistent between all 3 bureaus when all data furnished should be the same. Delete this account from my credit report immediately. I will attach the credit report showing the different payment history being reported. The account is highlighted.

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 2023-04-24 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: TX

Complaint narrative:
XXXX, Equifax, and XXXX are reporting an account that should not be reporting on my credit report. The account is XXXX XXXX. The account was sold to another lender XXXX  which was already reporting on my credit report before it was removed. I am requesting that the account be removed due to double jeopardy and the fact that the information is inconsistent between all 3 bureaus when all data furnished should be the same. Delete this account from my credit report immediately. I will attach the credit report showing the different payment history being reported. The account is highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: RI

Complaint narrative:
Jefferson capitol on XX/XX/XXXX added a old debt that the original company knew it was reported as fraud they attached it to my credit profile as a debt collection I told them to remove the debt collection of XXXX of my report from a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
In review of my XXXX credit report on XX/XX/XXXX, I noticed a " Collection '' account being reported by IC System Inc. 

I do not know who this is and why they are reporting a collection on my 3 credit bureaus credit file. I have not received any communication form them in any for or fashion. Furthermore, they have violated my consumer rights under the Fair Debt Collection Practice Act Regulation F. This law was enacted on XX/XX/XXXX and clearly states that Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. 

This company has not done the above and should remove this account from my credit files.

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 2023-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
The following complaint is in response to further issues raised in the prior complaint ( XXXX ). 

My original PayPal account, XXXX, was cancelled despite the fact that I had paid PayPal Mastercard XXXX XXXX XXXX  ) the amount they said was issued to me as additional credit. PayPal, in turn, required that I pay them, but their documentation was so tainted that I only followed what XXXX XXXX offered me because I could see what they had done on paper. However, there was XXXX entry where I queried if it was them who gave me credit, and XXXX XXXX said yes. This problem started with XXXX when I approached PayPal, thus I ended up resolving it with them, XXXX Bank. Any other issues should be resolved between PayPal and XXXX XXXX. 

All I ask is that PayPal restore my original account with XXXX or give me access to PayPal Mastercard in my new account under XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have recently reviewed my credit report and noticed that there were a few companies reporting that I have no knowledge of.I have not given written consent to XXXX XXXX XXXX XXXX XXXX company nor have I done any business nor received any goods from this company. As a FEDERALLY PROTECTED CONSUMER, I demand that this account gets removed immediately. I also ask that my CONSUMER report gets updated immediately. I also ask that this company provides proof that I have given written consent for them to report on my CONSUMER report.Thank you.

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 2023-04-24 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: KY

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate. This is grounds for removal. 

XXXX XXXX XXXX XXXX also violated the law because according to 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 a 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 non-monetary relief
Consumer complaint received 2023-04-24 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: OneMain Finance Corporation
State: TX

Complaint narrative:
have reached out too these companies back in XX/XX/, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX ( in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Accounts 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 non-monetary relief
Consumer complaint received 2023-04-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Accounts I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing to dispute an account that is showing up on my credit report and is negatively impacting my XXXX XXXX. The account in question belongs to Credit Corp Solutions and has an outstanding balance of XXXX. However, I have no recollection of ever opening an account with this creditor, and I believe that this account has been erroneously reported to the credit bureaus. 

I suspect that this account may have been opened fraudulently or mistakenly assigned to me. As you may be aware, there was a recent data breach at XXXX, and my personal information may have been compromised. I have reason to believe that this account is a result of identity theft or fraud, and I request that the creditor provide proof of the account 's validity and my responsibility for it. 

Furthermore, I have not been contacted by the creditor or any collection agency regarding this account. As per the Fair Debt Collection Practices Act, I have a right to be informed of any debt collection attempts made against me, and failure to do so is a violation of my rights. 

Lastly, I request that this account be removed from my credit report immediately as it is negatively impacting my XXXX XXXX. This negative reporting is unjustified and unfair, and I have worked hard to maintain a good credit history. 

I respectfully request that you investigate this matter and take the necessary steps to rectify this error. Thank you for your attention to this matter. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My XXXXbranded credit card was moved from XXXX XXXX to CapitalOne last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

CapitalOne agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a CapitalOne error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2023 I see that a check was cashed for {$1500.00} dollars. I see that the intended recipient which was a previous landlord did not sign the back of the check, it was a different name. I called my landlord immediately who confirmed they did not cash the check. I reached out to chase who told me to submit a form in order for them to start the process. It required information about the check and it required my previous landlord to fill out the form confirming they did not deposit the check. After providing all this information to chase they continue to deny the claim for different reasons that don't really make any sense. I also had a roommate at the time who has chase as well we both submitted the same exact forms even compared them and his went through fine and got his money reimbursed as soon as chase sent the form to XXXX of XXXX stating there was a fraudulent check cashed. Chase refuses to send my forms despite constant calls. They also don't let me speak directly with anyone at the claims department it's only a call center that relays information and refuses to put me on with someone actually managing the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2023 I noticed an account that was furnished by AFFIRM INC. without my knowledge or consent containing adverse information in my consumer file at XXXX, XXXX and XXXX. I did not authorize AFFIRM INC. to report this information and I wasn't notified that this negative information was being shared. XXXX XXXX failed to follow proper procedures in an attempt to collect an alleged debt from me the consumer. AFFIRM INCXXXX has indulged in unlawful misconduct with intent to abuse, deceive and invade my privacy. I have suffered irreparable damages by this corporations misconduct. Included with this complaint is a letter sent to AFFIRM INC. notifying them that the alleged debt is in dispute and requesting the proper documentation for proper VERIFICATION by I, the consumer. AFFIRM INC. HAS FAILED TO PROVIDE THE REQUESTED INFORMATION AND IS CLEAR VIOLATION OF THE CONSUMER CREDIT PROTECTION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I keep receiving an Active Billing amount by XXXX to my paypal account. Despite being able to turn off active billing, the debt paid to XXXX should have never been paid by paypal. 

XXXX is falsly charging users for a PRO SERVICE EFFECT when using a FREE membership plan. 

Each month, paypal is being charged and paying XXXX to XXXX for a BILLING amount I have not agreed to nor am receive service from. 
I am not alone in this scam of users on a FREE sign up to receive charges for a pro membership cost that we can not even access via our free plan. 

I have paid fees to my bank to block anymore illegal charges from XXXX, but they continue to charge my paypal account. I have removed paypal to accept anymore charges, but Paypal still has 1 accepted charge for XXXX. Now I am illegal in debt with paypal for them paying a service that has is no longer available. I want these illegal charges held against me to end and paypal to charge XXXX for any refund or debt collection. Who knows how many people XXXX is currently illegally charging active billing.

Company response to consumer: Closed with explanation