vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 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:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-03-30 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: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-03-30 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: VA

Complaint narrative:
I contacted Experian regarding what data is used in calculating my score. I provided them documentation of good standing with two utility companies, XXXX and XXXX, but Experian will not factor that good credit history because I pay those bills through XXXX XXXX via their bill pay function. 
The account called healthy benefits is funded by XXXX as part of my XXXX benefit. I recieve monthly a direct deposit to my checking account but I also receive monthly {$300.00} to my account at XXXX that is specically designed to make utility, food or OTC purchases. I provided Experian documentation of my use of this account to pay my utility bills. Experian refuses to count this good payment history in calculating my credit score. Unfair.

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 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I called BMO bank customer service to report a Fraud transaction on my account 5 debit card deduction done for XX/XX/XXXX ( pls see attached proof below ) which was not authorized at all, scammer 's that hacked my bank acct is from foreign country with No direct contact, i called my bank ( BMO ) to stop & closed my account for protection & to avoid further fraud transaction, but bank refused to talk to me & do something to avoid more an authorized transaction & advice me to go to the nearest branch & wait till they open which put my acct at risk, BMO should protect there client acct especially in a situation like this whick is emergency on top of that BMO did not even alert me through text or email! which was supposed to be there protocol when there is a suspicious transaction same as before so atleast i can confirm & stop the fraud to protect my account, which is bank responsibility and by law. i hope you can assist me on this matter.

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 2024-03-30 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: NC

Complaint narrative:
I believe that this account is reporting inaccurately.

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 2024-03-30 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: NY

Complaint narrative:
I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there are two instances of late payments reported on an account with which I have consistently maintained a flawless payment history. Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that this information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on. payments for the account with the indentifier [ XXXX XXXX XXXX Account Number : XXXX ]. I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " paid on time. '' Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously and with the utmost attention to accuracy. Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution of this discrepancy. Please keep me updated step by step.

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 2024-03-30 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:
I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there are three instances of late payments reported on an account with which I have consistently maintained a flawless payment history. Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that this information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on. payments for the account with the indentifier [ XXXX XXXX Account Number : XXXX ]. I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " paid on time. '' Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously and with the utmost attention to accuracy. 

There are also Inaccuracies and Inconsistencies on this report that needs to be investigated. 

Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution of this discrepancy. Please keep me updated step by step.

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 2024-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
XX/XX/2024 Contacted support 4+ times for this and they haven't managed to get it resolved even after thoroughly explaining the situation for them. 


" We're unable to continue processing payments for this account We strive to provide our customers with seamless and user-friendly payments solutions. Unfortunately, sometimes we can't process activity for a variety of reasons, including local laws, our policies, or the policies of our partner banks and card networks. 

Based on the information we have today, it appears that there was activity on this account that we can not process. Specifically, the sale of XXXX oriented materials or services. 

What can I currently do with my account? 

Unfortunately, at this time most of your account features have been deactivated. You can still view your transaction history, download account statements, or request copies of your data. 

We may hold any funds in your account for up to 90 day ( s ) to cover things like chargebacks or other financial liabilities. We'll review the account periodically to see if we can release any remaining funds sooner. We'll email you the outcome of each review. 

We're required to keep some of your personal information for up to 10 years, and we'll automatically delete what we can during that time. Find out more about our data policies. 

How can I learn more? 

To learn more about the types of activity we can't process, read the Supported Activity section in our Help Center.

We understand this news may be disappointing. We apologize for the inconvenience. 

Thank you for choosing PayPal. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: NY

Complaint narrative:
I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there are two instances of late payments reported on an account with which I have consistently maintained a flawless payment history. Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that this information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on. payments for the account with the indentifier [ XXXX XXXX XXXX Account Number : XXXX ]. I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " paid on time. '' Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously and with the utmost attention to accuracy. Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution of this discrepancy. Please keep me updated step by step.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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:
I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there are two instances of late payments reported on an account with which I have consistently maintained a flawless payment history. Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that this information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on. payments for the account with the indentifier [ XXXX XXXX XXXX, Account Number : XXXX ]. I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " paid on time. '' Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously and with the utmost attention to accuracy. Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution of this discrepancy. Please keep me updated step by step.

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 2024-03-30 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: PA

Complaint narrative:
I was never notified of negative balances on this account as i had direct deposit setup from my employer the credit union rejected my deposit and closed my account with no notification

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 2024-03-30 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: NY

Complaint narrative:
I am writing to dispute the inaccuracies present in my credit report concerning the account held by XXXX XXXX XXXX, Account Number XXXX. According to my recent credit report, there are discrepancies that require immediate attention. 

Upon thorough review of the reported information, I have found that XXXX XXXX XXXX has failed to provide adequate documentation validating the existence of a contractual agreement between us. As per the Fair Credit Reporting Act ( FCRA ), consumers are entitled to verification of any debts reported on their credit file. To date, XXXX XXXX XXXX has not furnished any evidence substantiating their claim. 

Furthermore, the inaccurate reporting by XXXX XXXX XXXX is adversely affecting my creditworthiness and causing undue financial strain. I request that XXXX XXXX XXXX promptly cease reporting this disputed account to all credit reporting agencies until such time that sufficient proof of the alleged debt can be provide. 

I also kindly request your immediate investigation into this matter and investigate the inaccuracies and inconsistencies XXXX XXXX XXXX has been reporting different information to the credit bureaus which is illegal. After the investigation I kindly request the removal of any negative reporting associated with the disputed account from my credit report. Additionally, I expect XXXX XXXX XXXX to provide me with the documentation verifying the validity of the debt in question with the legally mandated timeframe. 

Please consider this letter as a formal dispute under the FCRA, and I anticipate your prompt resolution of this matter.

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 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I looked at my Credit Card statement with Citi and noticed 2 different interest charges ( I expected 1 ), therefore I called and the customer service representative really didnt know why I had to interest charges one for {$24.00} and the other for {$12.00}. She thinks that its because my promotional offer expired and I told her that I can understand that and that I expected one interest charges, not two.

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 monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: VA

Complaint narrative:
i didnt sign any contract with them. they keep callling me repeatedly and leaving voicemails from different numbers. Its stressing me out, more.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: NY

Complaint narrative:
I am writing to dispute the inaccuracies present in my credit report concerning the account held by XXXX XXXX XXXX, Account Number XXXX. According to my recent credit report, there are discrepancies that require immediate attention. 

Upon thorough review of the reported information, I have found that XXXX XXXX XXXX has failed to provide adequate documentation validating the existence of a contractual agreement between us. As per the Fair Credit Reporting Act ( FCRA ), consumers are entitled to verification of any debts reported on their credit file. To date, XXXX XXXX XXXX has not furnished any evidence substantiating their claim. 

Furthermore, the inaccurate reporting by XXXX XXXX XXXX is adversely affecting my creditworthiness and causing undue financial strain. I request that XXXX XXXX XXXX promptly cease reporting this disputed account to all credit reporting agencies until such time that sufficient proof of the alleged debt can be provide. 

I also kindly request your immediate investigation into this matter and investigate the inaccuracies and inconsistencies XXXX XXXX XXXX has been reporting different information to the credit bureaus which is illegal. After the investigation I kindly request the removal of any negative reporting associated with the disputed account from my credit report. Additionally, I expect XXXX XXXX XXXX to provide me with the documentation verifying the validity of the debt in question with the legally mandated timeframe. 

Please consider this letter as a formal dispute under the FCRA, and I anticipate your prompt resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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:
I am writing to dispute the inaccuracies present in my credit report concerning the account held by XXXX XXXX XXXX, Account Number XXXX. According to my recent credit report, there are discrepancies that require immediate attention. 

Upon thorough review of the reported information, I have found that XXXX XXXX XXXX has failed to provide adequate documentation validating the existence of a contractual agreement between us. As per the Fair Credit Reporting Act ( FCRA ), consumers are entitled to verification of any debts reported on their credit file. To date, XXXX XXXX XXXX has not furnished any evidence substantiating their claim. 

Furthermore, the inaccurate reporting by XXXX XXXX XXXX is adversely affecting my creditworthiness and causing undue financial strain. I request that XXXX XXXX XXXX promptly cease reporting this disputed account to all credit reporting agencies until such time that sufficient proof of the alleged debt can be provide. 

I also kindly request your immediate investigation into this matter and investigate the inaccuracies and inconsistencies XXXX XXXX XXXX has been reporting different information to the credit bureaus which is illegal. After the investigation I kindly request the removal of any negative reporting associated with the disputed account from my credit report. Additionally, I expect XXXX XXXX XXXX to provide me with the documentation verifying the validity of the debt in question with the legally mandated timeframe. 

Please consider this letter as a formal dispute under the FCRA, and I anticipate your prompt resolution of this matter.

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 2024-03-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio put a collection for the sum of {$8400.00} in XXXX. I asked for information and they sent me receipts from XXXX XXXX. Which is what Portfolio bought that debt from XXXX. Portfolio ruined my credit report for 7 years. I worked very hard to order my report. In XX/XX/XXXX, the credit bureau removed that collection. 
Now Portfolio sent an intimidating letter on XX/XX/XXXX threatening that they will give me another collection again for the same amount of money. For the same original creditor. Which I know perfectly well that that is illegal since my collection was duly removed from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
In XXXX and XXXX of XXXX, two unauthorized payments to my mortgage account of {$620.00} each were attempted and failed, incurring NSF fees totaling {$60.00} ; I've no bank records of these attempted transactions and I did not authorize these payments. Numerous attempts to have this resolved have failed and my account has been restricted for the last three months, prohibiting me from making additional payments to the principle of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
Took out a {$500.00} loan that has 770 % interest. Didn't read the fine print now I'm in a bad spot. I already payed what I borrowed but the 770 % interest is becoming a burden. Need help

Company response to consumer: Closed with explanation