vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal 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 2024-08-06 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: MS

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have been going back and forth with Capitol Auto Financing to resolve this matter but they have refused to budge ; it will be four ( 4 ) coming up on XX/XX/XXXX and this matter is still lingering. It has truly affected my credit score and has jeopardized my chances with a lot of lenders because it sends a message that I am a credit risk and a person who does not pay their bills, which is far from the truth. I am in the process of applying for a home loan and I need this information removed from my account immediately. 

My daughter got into a car accident on Wednesday, XX/XX/XXXX, when a driver ran the light, crashed into her vehicle, and caused the vehicle to be damaged beyond repair. Upon XXXX XXXX XXXX inspection of her vehicle they declared her vehicle to be a total loss and made the arrangements to pay off the remainder of the car loan with Capitol One Bank. After Capitol One Bank was paid by XXXX XXXX they demanded an additional {$2100.00} but XXXX XXXX refused to pay it. We told Capitol One Auto Financing to utilize her GAP insurance to pay the additional amount owed but they refused to seek the money from her GAP insurance. Instead they have been asking us for the money. As of today this debt of {$2100.00} is sitting on my credit report as a DEROGATORY Account though they sold this account to another company and have declared it as a CHARGE OFF. I have been trying to resolve this matter with Capitol One Auto Financing and they have REFUSED to do so. 

Attached is a letter that will give some clarification as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
An inquiry was made by XXXX XXXX on XX/XX/XXXX and reported to Experian. I did not make this inquiry. My account at XXXX XXXX  was open on XX/XX/XXXX. I already had an account for my car, and did not make this inquiry. I did not give XXXX XXXX permission to look at 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 explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
I attempted to transfer a portion of my XXXX holdings from the Gemini exchange to a self-custody wallet on XX/XX/XXXX and was unable to do so due to a security hold. I submitted a ticket and received a response requesting I submit a photo of myself with identification and the ticket number. I submitted the photo immediately. 
I then received a request on XX/XX/XXXX for documentation of my external wallet address and ownership, which I submitted on XX/XX/XXXX. On XX/XX/XXXX, I was requested to provide source of wealth information, which was provided. On XX/XX/XXXX, I was asked if I had an investment opportunity I was using my crypto for. I responded that I was simply trying to move a portion of my XXXX  to test a self-custody wallet. 
I have now been trying to access my currency for nearly two weeks ; I have verified my identity, provided proof of ownership of my external wallet, and answered all questions, and the security hold has still not been lifted. 
I then submitted a complaint ticket explaining the steps I have taken, and they requested I submit a photo with ID again. They still will not allow me access to my cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
A Collection account that does not belong to me has been added to my Credit Report. 
Creditor : Credence Resource Management Date added to my Credit Report : XX/XX/2024 I called the creditor to dispute this information, but was told they could not give me any information because it is not in my name. I have never received a debt validation letter. 

Also, my Credit Report was showing other names and addresses not belonging to me. Those have been disputed and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, a debt was settled on my behalf by a debt settlement company to pay off a loan owed to XXXX  XXXX. All payments were made in accordance with the agreement as of XX/XX/XXXX. I recently received a notice by email from XXXX XXXX informing me that my debt was about to be sold. I was surprised as all payments had already been made to settle the account. 
On XX/XX/XXXX and XX/XX/XXXX, I reached out to XXXX XXXX confirming my account had been settled and sent copy of the payments made alongside the settlement agreement however, I did not receive a response. I received another email on XX/XX/XXXX informing me that my debt had been sold to a collection company. I have since been contacted by the collection company to pay the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-06 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: NC

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
Well they refuse to change, my pay dates so I will be able to pay my car note, and they refuse to lower my payments and they charging me a late fee because they keep scheduling my payments on the XXXX of every month and they know I don't get pay on that date and then they want to charge me a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: SC

Complaint narrative:
I previously lived in XXXX XXXXXXXX and during covid was unable to work. I applied for, and was approved, for assistance with XXXX XXXX utility company to help with the growing electricity bill. 

After covid ended, I tried several avenues to claim the assistance that I was previously approved for in the amount of {$2300.00}. I was met with delays and non-responses. I ended up having to move to XXXX XXXX  for an employment opportunity and was advised that since I had moved from my home that XXXX XXXX would not honor the assistance they promised and that I was solely responsible for the entire amount. Since I could not pay that amount it was sent to collections and has had a severe impact on my scores. 

I find it incredulous that a company can approve and promise assistance and then turn around and deny it because I was forced to move. Had they honored their assistance when I was approved this never would have happened. 

Because of this bait-and-switch tactic that they used, I am requesting that Penn Credit immediately remove the collection from my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
I implore you to take swift action to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2024-08-06 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: CA

Complaint narrative:
I recently reviewed my credit reports and noticed some accounts that was not reporting accurately. I had late payments on accounts..that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, these account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates for the credit card ( XXXX  XXXX XXXX XXXX dated for XX/XX/XXXX ) and for ( XXXX XXXX XXXX XXXX dated for XX/XX/XXXX ) I'm now requesting you investigate these accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Incorrect reporting to credit reporting agencies.Have attempted to resolve issue with nXXXX XXXX XXXX XXXX XXXX with no success. I have sent them proof of payment as they requested so that they can fix issue, and after emailing proof, they are not confirming whether they have fixes the issue. They have drastically affected my credit score from a XXXX plus to a XXXX due to incorrect reporting. I have tried and tried over and over to get this resolved, but have met mostly unprofessional support from personnel. They are now sending me letters of non payment and possible reporting to credit bureaus even though my payments are made ontime every month with even extra payment towards principal. I am honestly at a point of feeling helpless as i am doing everything right and they are ruining my name.

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 2024-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is late though your company claims to have verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXXr system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNT : 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 2024-08-06 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:
Upon me reviewing my credit reports i noticed a credit card that wasopened in my name

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 2024-08-06 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: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Hello, I am reaching out to file this complaint due to being misled by the company regarding a forbearance plan. I contacted the company to be placed on a forbearance plan when I was having a difficult time. I was told during this time my account would not be reported as late. Additionally, I made my payments way before the plan ended and even made my payments earlier then described on the plan. Please remove any negative reporting payment history that is in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

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 2024-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year> I logged into my PayPal to transfer money to my bank to pay my rent etc as I usually do every XXXX of the month. Only to see after 4 years of using this service they " Permanently limited my account. Upon researching this matter I've discovered hundreds of thousands of similar forums and complaints from other consumers being done the same exact way by paypal. They try to use the User Agreement fake violation which isn't recognized by the court of law. No financial institution has the right to hold your money that long interest free without explanation. Imagine waking up tomorrow to access your funds only to see they are locked for 180 days for absolutely nothing, and no reason given what so ever. Yeah the XXXX XXXX Notice of Arbitration and possible civil litigation are the next steps. I don't mind spending money to prove my point you are gon na end up spending your own money only to return all of my hard earned money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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