vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XXXX XXXX, I was hired to be a consultant for XXXXXXXX XXXX XXXXXXXX and XXXX XXXX, XXXX known as client. The client paid {$10000.00} upfront using the PayPal EFT platform. Halfway through the 10-week consultation, the client ceased use of my services and disputed his payment with PayPal. The client and I agreed to prorate a refund for {$4900.00}. The money was refunded to the client via PayPal. PayPal was advised of the settlement amount and supplied documentation of a mutual agreement between all parties involved. PayPal had supplied 26 documents from both the client and myself that the dispute had been mutually agreed on between myself and the client. Nevertheless, without warning, PayPal placed a hold for {$5000.00} paralyzing my checking account. More than an inconvenience, the hold has obstructed my ability to pay bills, receive incoming payments, and disabled the ability to pay employees. I spoke with two supervisors and countless representatives at PayPal, none of whom had any idea of a timeline for the {$5000.00} to be released back into my account. Moreover, and more recently {$2200.00} was paid to me via PayPal from an unassociated client which PayPal has taken due the account status. PayPals lackadaisical and unproductive information has obstructed monies owed to me totaling {$7200.00}, causing an irreversible and undue hardship. I am unable to pay vendors and employees currently. I am using credit cards to pay bills and will need to borrow money for XXXX rent. 
As I write to my elected officials, it is my hope, that PayPal the bureau continues to investigate and realize just how much power companies like PayPal have in consumers. My experience clearly shows a corporation acting as judge and jury without the capacity to do so. It is my hope the CFPB recognizes the power of newness in XXXX, and the bad actors exploiting these vulnerabilities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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 — Investigation took more than 30 days
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
I never made this inquiry, I never been or went to this place. 
Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NH XXXX Date : XX/XX/2021

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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
I never made this inquiry, I never been or went to this place. 
Inquiry name : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Date : XX/XX/2021

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 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights as a consumer. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX Auto XXXX, XXXX XXXX. 

15 USC 1681 section 602 A states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that.

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 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Received a scam letter from Chase Cardmember Services XXXX XXXX XXXX XXXX, DE XXXX www.chase/amazon XXXX XXXX says please make a payment right away. Has our actual last 4-Digits of the credit card, but not other numbers. We know it is a scam for sure, but older people like my parents might totally look at this and think it is for real. 
Also has : Overnight Mail Chase Card Services Mail Code DE XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX for an extension for payment. It was approvedXXXX payment would be applied to the end of the loan. 
XXXX XXXX made payment for {$740.00} to cover XXXX and XXXX payments. 

As of todayIm being told that the {$740.00} went towards XXXX payment and MISCELLANEOUS FEES that I knew absolutely nothing about. Therefore, leaving my XXXX payment outstanding and now late. Ive talked to close to five representatives and supervisors regarding the issue. I was told that some of the reps gave me erroneous information in regards to my account and this is why Im confused and frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX University XXXX XXXX of XXXX XXXX XXXX XXXX, WI XXXX reported that I had a charge off/delinquent loan from XXXX. That information is both inaccurate and far beyond any statute of limitations for collections and far beyond the lawful credit reporting limit. At no time in the last 20 years has any lender or company complained about this supposed debt or tried to collect it.

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 2022-03-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act JPMCB CARD Account # XXXX XXXXXX, has violated my rights. 


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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In accordance with the Fair Credit Reporting acXXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 


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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please note there is not actual account number listed for this account.

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 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: FL

Complaint narrative:
I keep receiving letters from Frost Arnett about a debt I dont owe. The latest one was on XX/XX/XXXX after several attempts before that. I did send a letter indicated that the information of my debt is invalid and also called the company ( Frost-Arnett ) to explain that i never received any service from their client ( XXXX XXXX XXXX ) so that is impossible for me to owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received 3 missed calls from Chase bank ( I have a personal checking & savings with them ). A male representative indicated there was a pending XXXX charge/transaction going out that night. They asked me if it was mine or something I authorized. I responded no. I was driving home when I found this out, so I stated I needed to pull over at a gas station & call them back. They literally called me back less than a minute of me calling them. I had just gotten paid the night before, so the only charges authorized totaled {$40.00} XXXX. He said the transaction could be stopped. Said to go into XXXX section of my chase mobile app. I thought it was weird but didnt think much of it since he was called from my pre-saved XXXX # from Chase. He said to add myself as the receipient, request that the {$1200.00} " fee '' be returned to me & that's it. Said to wait until the weekend & XXXX XXXX was over to see the pending transaction reversed. I waited until XX/XX/XXXX to report no such credit or reversal happened. 

The person in the fraud dept I spoke with XX/XX/XXXX had no record of my previous call history regarding the above. He did enter a dispute for the transaction itself, stating to wait XXXX business days for a response. They gave me a temporary credit of {$1200.00}. I received an emailed letter from Chase stating after the investigation, I was responsible for the {$1200.00} XXXX transaction and that the temporary credit will be taken out of my checking account on or after XX/XX/XXXX. 

I called the XXXX # on that letter to dispute which is the Fraud dept at Chase. I explained my story as indicated above, told them the # this male called me on ( XXXX ). The fraud rep confirmed it was a valid customer service # for Chase. He then stated that since the XXXX charge was initiated/completed on my cell phone device then this makes it mine. He said that the male that called me on XX/XX/XXXX was an imposter or impersonating someone that works for Chase. 

I submitted a lengthy investigation of my own to Chase. I provided my cell phone call detail showing the XXXX calling me & me calling it. The case was denied. 

I called the online claims dept XXXX option XXXX to discuss my case further. Spoke to a XXXX. She said the case was denied & closed as of XX/XX/XXXX. Said there was no proof of where the XXXX transaction went. She said if Chase can't prove where the money went, they can't recover their own funds. Meaning I'm out {$1200.00} I DO have 2 emails of where my money went. Email dated XX/XX/XXXX XXXX states to " Dear XXXX, please verify your email address so you can send money with XXXX XXXX. This email was from XXXX Bank. The XXXX code provided in the email was XXXX. The 2nd email was a repeat of the 1st email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Since the start of my lease in 2019 when I was financing my lease, the finance manager set my lease payment day to be the 1st of month. I told him that date will not work for me since it does not coincide with my pay dates. He said dont worry when Nissan XXXX sends you the bill call them and request a due date change. For three years now I have been requesting a due date change and Nissan XXXX has denied me every single time, stating my account balance has to be up to date before they can grant me one. The problem is, I cantevery month I an late due to my payment date being after my due date. For three years Nissan has charged me a late fee every month, when they could have easily given me a due date change. I think that is UNFAIR business practice!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX has violated my rights and it has code 15USC1681 Section 602A, states I have the right to privacy. 15USC1681 section 604A Section 2, also states a consumer reporting agency can not furnish a accounts without my written instructions. 
Acct # XXXX XXXX XXXX XXXXXXXX openXX/XX/2016XXXXhg off/closed XX/XX/XXXX shows activity XXXX XXXXXX/XX/XXXX shows XXXX XXXX  XXXX co/co/co shows a pmt of {XXXX} XXXX XX/XX/XXXX XXXX On transunion shows different date closed XX/XX/XXXX. Amt owed {$XXXX} this is not my acct. The same acct also shows as a XXXX XXXX XXXX XXXX # XXXX status date XX/XX/XXXX owe {XXXX}. This is incorrect information and a violation fo the law. This is not my acct. please remove from my file. XXXX # XXXX open XX/XX/XXXX chg off/closed last pmt. XX/XX/XXXX closed XX/XX/XXXX chg off/closed Owe {XXXX} this is not my acct. XXXX # XXXX Open XX/XX/XXXX chg off/closed last pmt. {XXXX} XX/XX/XXXX pmts. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX of {XXXX} and closed XX/XX/XXXX this is illegal these dates are bogus. XXXX # XXXX shows XXXX XXXX XXXX open XX/XX/XXXX not my acct. Inquiry XX/XX/XXXX XXXX  not mine I did not authorize this. Please remove these incorrect items from my file. It's causing harm to my credit life.

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 2022-03-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent account number XXXX has violated my rights and it has code 15USC1681 Section 602A, states I have the right to privacy. 15USC1681 section 604A Section 2, also states a consumer reporting agency can not furnish a accounts without my written instructions. 
Acct # XXXX XXXX XXXX XXXX openXXXX  chg off/closed XX/XX/XXXX shows activity XXXX  XX/XX/XXXX shows XXXX XXXX  XXXX co/co/co shows a pmt of XXXX on XX/XX/XXXX XXXX On XXXX shows different date closed XX/XX/XXXX. Amt owed XXXX this is not my acct. The same acct also shows as a XXXX XXXX XXXX XXXX # XXXX status date XX/XX/XXXX owe XXXX. This is incorrect information and a violation fo the law. This is not my acct. please remove from my file. XXXX # XXXX open XX/XX/XXXX chg off/closed last pmt. XX/XX/XXXX closed XX/XX/XXXX chg off/closed Owe XXXX this is not my acct. XXXX # XXXX Open XX/XX/XXXX XXXX off/closed last pmt. XXXX XX/XX/XXXX pmts. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX of XXXX and closed XX/XX/XXXX this is illegal these dates are bogus. XXXX # XXXX shows XXXX XXXX XXXX open XX/XX/XXXX not my acct. Inquiry XX/XX/XXXX XXXX not mine I did not authorize this. Please remove these incorrect items from my file. It's causing harm to my credit life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo still is not reporting correctly to experian. Account is paid in full. They are reporting negatively on my report for over almost a year. Never updated anything. I believe experian is not investigating at all. All they have to do is call Wells Fargo like I did and get the facts correctly. Wells Fargo already said to me that they will get it reported correctly, but experian is lying to federal agency and myself and most likely others across America for centuries. This behavior needs to end now.

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 2022-03-28 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: MD

Complaint narrative:
On XX/XX/XXXX, I was a victim of identity theft. I had an account showing up on all XXXX  credit reports showing it was opened up with XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX for a {$2000.00} credit limit and a balance of {$1400.00}, under my name and was reporting to all XXXX credit bureaus. I filed multiple disputes with all XXXX credit bureaus as well as XXXX XXXX/ XXXX XXXX XXXX XXXX and sent them all the required docs. The account was removed from XXXX and XXXX ; and I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX stating that a request had been submitted to all XXXX credit bureaus to remove the account as it had been found to be fraudulent. I was unable to obtain a copy of my Equifax credit report since XX/XX/XXXX up until today, XX/XX/XXXX. Upon reviewing, I saw the account is still reporting to only Equifax, after I had previously sent multiple documents that they were requiring of me, including an FTC Identity Theft Report as well as a police report. The documents required were sent multiple times : XXXX XXXX mail on XX/XX/XXXX with a tracking # of XXXX and faxed on XX/XX/XXXX to XXXX ( XXXX ) XXXX. On XX/XX/XXXX, I received a letter from Equifax stating that the account was not currently reporting on the Equifax Credit File. I called Equifax today, XX/XX/XXXX, and spoke with a representative named XXXX to request the account be removed since a letter was sent to Equifax on XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX XXXX to remove the account. Instead of removing the account, another dispute was filed. I asked for the reps employee number and was immediately hung up on. This account needs to be removed from my Equifax credit report as this practice has now turned into being illegal against the Fair Credit Reporting Act. This account was requested to be blocked by Equifax, and was not, until the investigation was complete as it was a result of identity theft. As well as Equifax not removing it once it was found to be fraudulently opened by XXXX XXXX XXXX XXXX and a letter was sent to Equifax by XXXX XXXX XXXX XXXX to remove all tradelines and any related inquiries on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXXXX, has violated my rights. 


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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 


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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please note there is not actual account number listed for this account.

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