vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-23 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: MI

Complaint narrative:
In accordance with the Fair Credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2. It is also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1681c ( a ) ( 5 ) section. States no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items information, other than records of convictions of crimes which antedates the. report bu more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information ice inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: TN

Complaint narrative:
XX/XX/2023 I spent 4 hours trying to move {$50.00} from my venmo to my XXXX and no representative could successfully help me for some odd reason than I added my bank card to attempt to transfer my money to my bank account and they froze my account and will not allow me access to my money and they fail to give me any reason my account was locked

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a cashiers check to my account at BoA on XX/XX/XXXX, it stated that my deposit would be ready the next day but when I made the deposit, I was told after that I would get it on XX/XX/XXXX. I have no money for XXXX. If BoA was honest about the hold I would have took my check to a check cashing place. Its not right for BoA to do that to its customers, now I cant feed my family or pay my rent. I spoke to multiple agents about this at BoA and they couldnt explain why it would take over a week to verify a cashiers check when the payee is 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 monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2023-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
TO WHOM IT XXXX CONCERN, I HAVE NOT BEEN ABLE TO GET A STRAIGHT ANSWER FROM PHH/NEW REZ I KEEP GETTING THE RUN AROUND AND WRONG INFORMATION. ON XX/XX/2023 I EMAILED PHH/NEW REZ ABOUT THE ISSUE THEY RESPONDED WITH THE FOLLOWING : Important Account Information Inbox Relationship Manager Fri, XX/XX/XXXX, XXXX ( 5 days ago ) to XXXX Dear XXXX, Our record shows that the foreclosure process has been suspended as of XX/XX/2023. We have forwarded this request to the Office of the Consumer Ombudsman for additional review. The Office of the Consumer Ombudsman is researching the request and a response will be provided shortly. Please allow time. 




HOWEVER I SPOKE WITH XXXX XXXX TODAY AND THEY HAVE THE FORECLOSURE AUCTION SET FOR XX/XX/2023. I AM VERY CONCERN ABOUT THE SITUATION AS I CAN LOOSE MY HOUSE. PLEASE HELPD ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2023-11-23 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: IN

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. After reviewing my personal credit report, I have identified several inconsistencies that have a significant impact on my financial standing, particularly my chances of owning a home. Understanding that errors can occur, I have researched the dispute process and acknowledge the required investigation timeframe of thirty days. I would like to bring to your attention the following errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has already removed these accounts from their records, citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable.

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 2023-11-23 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: NV

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: TX

Complaint narrative:
I am showing to have a Bankruptcy on my Public Record and upon my follow up with the courts I was provided the attached letter that states that this should not be the case.

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 2023-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
PORTFOLIO RECOV ASSOC XXXX XXXX, 2022 {$860.00} i call mailed ask for supervisors, never should no proof or true info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted transunion and I noticed that I have these hard inquiries in my credit report, I do not recognize these and they were not authorized to be carried out by me, this is causing me a serious problem since my credit score is falling too much due to this, below I list the hard inquiries which I need to be removed immediately from my credit report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank sent me a letter stating they have elected to close my credit card account in accordance with the terms and conditions of my card member agreement. The bank did not point out exact terms or conditions that I had violated for them to decide to close the credit account. 
I have made several attempts to get in contact with the bank to find out reasons for the closure of the credit card account by calling a contact number provided in the letter. 
However, I have not been able to have someone to answer my phone calls or to give me return-call yet.

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 2023-11-23 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: MA

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I purchased food from an XXXX XXXX XXXX ( which uses camera to detect what people took and automatically charges the customer ) on XX/XX/2023. However, I was overcharged for something I didn't purchase - I was handing over a burger to someone else but the camera thought I was the one buying it. After realizing this, I tried to contact the store but because it was XXXX, I got no response. So I contacted Capital One instead to get back the overcharged portion. Capital One received my request along with the evidence but denied it without any meaningful investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of inaccurate information from my credit report. The information in question pertains to late payments that are inaccurately reported on my credit history. The inaccurate late payment information on my credit report is adversely affecting my credit score and overall creditworthiness. I believe that this information is in error and does not accurately reflect my credit history. I am seeking your prompt attention to rectify this matter. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I kindly request that your bureau conducts a thorough investigation into the accuracy of the reported late payments and takes immediate action to rectify the inaccuracies. Please update my credit report accordingly to reflect the correct and accurate payment 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 2023-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of inaccurate information from my credit report. The information in question pertains to late payments that are inaccurately reported on my credit history. The inaccurate late payment information on my credit report is adversely affecting my credit score and overall creditworthiness. I believe that this information is in error and does not accurately reflect my credit history. I am seeking your prompt attention to rectify this matter. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I kindly request that your bureau conducts a thorough investigation into the accuracy of the reported late payments and takes immediate action to rectify the inaccuracies. Please update my credit report accordingly to reflect the correct and accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
PHH Mortgage Services is assessing me {$2600.00} as closing costs from the transfer of my Mortgage with XXXX XXXX. This can't be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: MO

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$70000.00} DEPTEDNELNET XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2023-11-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2023 Care Credit- Synchrony Bank XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Dispute of Electronic Fund Transfer To Whom it May Concern, I am writing to dispute the closure of my Care Credit account, which was related to electronic fund transfer ( EFT ) transactions that were deemed Non-Sufficient Funds ( NSF ) incidents. I believe that the account closure may not be in accordance with the Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693, which establishes consumer rights and protections concerning electronic transactions.

Under the EFTA, consumers have certain rights and protections regarding electronic fund transfers, including the right to dispute transactions. I believe that the following aspects of the EFTA may be relevant to my situation : EFTA Section 907 ( a ) : This section of the EFTA allows consumers to dispute unauthorized electronic fund transfers. While my transactions were not unauthorized, I have concerns about the circumstances surrounding the NSF incidents and the closure of my account.

EFTA Section 903 ( b ) : The EFTA requires financial institutions, like Care Credit, to investigate and resolve disputes promptly. I would like to request a thorough investigation into the NSF transactions and the closure of my account to ensure that all relevant factors are considered.

EFTA Section 904 ( c ) : This section states that a financial institution may not impose any liability on the consumer for an unauthorized electronic fund transfer unless the institution establishes that the consumer is liable. I believe there may be extenuating circumstances surrounding the NSF transactions that warrant further examination.

I kindly request that Care Credit reevaluate the closure of my account in light of the EFTAs provisions and my rights as a consumer. I am willing to provide any necessary documentation or information to support my dispute and to assist in reaching a fair and equitable resolution.

I value my relationship with Care Credit and would like to ensure that my rights under the EFTA are respected. Please consider this letter as a formal dispute of the account closure and the related electronic fund transfer incidents.

I look forward to your prompt response and a timely resolution to 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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the repeated inaccuracies in reporting a late open account on my credit file. Despite numerous attempts to correct this error, it persists, negatively impacting my creditworthiness and financial standing. 

I initially raised the issue previously, and since then, I have made multiple efforts to rectify the inaccuracies in my credit report. I have diligently provided all necessary documentation, followed the appropriate dispute procedures, and communicated with your representatives on numerous occasions. However, the reporting of a late open account remains unresolved. 

An account on my credit report is inaccurately marked as opened late, despite evidence of timely and proper account initiation. This misinformation is affecting my credit score and creating a false representation of my credit history. 

I understand that errors can occur, but the repeated failure to address and correct this issue after multiple attempts is unacceptable. These inaccuracies are causing significant harm to my credit profile, hindering my ability to secure favorable financial terms and impacting various aspects of my financial life. 

I request an immediate and thorough investigation into this matter. I expect a prompt resolution and a comprehensive update to my credit report, reflecting the accurate and verified information regarding the account in question. Additionally, I request a detailed written explanation for the continued error and the measures taken to prevent such issues in the future. 

If necessary, I am prepared to escalate this matter to relevant regulatory authorities to ensure a fair and timely resolution. I believe in the importance of accurate credit reporting for both consumers and creditors, and I trust that [ Credit Bureau Name ] shares this commitment. I am asking for your assistance to correct the late open account : XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: MO

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation