vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX my account was closed. I called and they said they close it because I didnt certify some information. I have had this card for 3 years for my income tax only. I ask them how do I get the money that is on there. They said it will go onto your linked bank in 5 days. I never received my money and no way to open the account back up. On the XX/XX/XXXX I called again and she said it will take 50 days to get my money back. Why should it take so long. Then I received a email on XX/XX/XXXX saying I could reopen my account in 15 days but where is my money?? They responded with your money will be back in your account when you open it back up. I dont want to open the account back up I just want my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have constantly disputed these inaccurate accounts and have asked for verification. The only thing that keeps coming back is saying accounts are verified with no proof or documentation showing otherwise. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer for that description.

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 2024-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I was charged for a home inspection. Contractor and mortgage company fraudulently ordered an inspection without my knowledge. Contractor had his company and phone number listed as a contact with mortgage company. Mr cooper should know what my information is and that it didn't match. I was not home when inspection was completed, and they deemed my home to be 80 % repaired. My home wasn't even 25 % repaired at this point. They have a process of home inspections and they didnt follow their own rules. I was charged {$35.00} for an inspection that i never ordered, authorized, or present for. Later they would reduce the percent complete without good explanation. I was then charged {$70.00} for {$35.00} x 2 for inspections. I over pay my mortgage every month and put the difference to principal. Mr cooper decided one month to just remove {$70.00} for itself also without authorization from me. So I have been charged {$100.00} for 1 inspection that wasnt ordered by me. Mr cooper releases all funds deeming the home to be complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
After repeatedly being ignored, by all 3 credit reporting agencies, I have no other choice but to escalate this issue. I have sent letters certified and regular, I have made numerous phone calls, and have been stonewalled every step of the way. These companies give me instructions on how to resolve the issue and they don't follow their own protocol. 

I was told to call the creditors- I did that and the creditors tell me to handle it with the Agencies I was told to send in letters certified - The agencies tell me they never received the mail even though I see the parcels have been delivered. 

I call the agencies to follow up - and I get put on hold and wait for them to tell me that My cases were never opened and letters were never received and to send it all over again repeating all of the hard work I've already done multiple times. 

I have multiple late payments that are not accurate seeing as I have all of my accounts on autopay and always have a balance in my bank account. 


Account - XXXX XXXX XXXX XXXX  Delinquent Payments - XXXX & XXXX of XXXX Account - XXXX XXXX XXXX Delinquent Payments - XX/XX/XXXXXXXX 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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
After repeatedly being ignored, by all 3 credit reporting agencies, I have no other choice but to escalate this issue. I have sent letters certified and regular, I have made numerous phone calls, and have been stonewalled every step of the way. These companies give me instructions on how to resolve the issue and they don't follow their own protocol. 

I was told to call the creditors- I did that and the creditors tell me to handle it with the Agencies I was told to send in letters certified - The agencies tell me they never received the mail even though I see the parcels have been delivered. 

I call the agencies to follow up - and I get put on hold and wait for them to tell me that My cases were never opened and letters were never received and to send it all over again repeating all of the hard work I've already done multiple times. 

I have multiple late payments that are not accurate seeing as I have all of my accounts on autopay and always have a balance in my bank account. 


Account - XXXX XXXX XXXX XXXX  Delinquent Payments - XXXX & XXXX of XXXX Account - XXXX XXXX XXXX  Delinquent Payments - XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC
State: LA

Complaint narrative:
MY DEBIT CARD WITH XXXX BANK WAS HACK FOR {$60.00}. XXXX TOLD ME I NEEDED TO GET A NEW ACCOUNT NUMBER WHICH LAST XXXX XXXX NEW. THE OLD DEBIT CHECKING LAST WAS XXXX. IN BETWEEN OF CHANGING FROM OLD TO NEW. 

I HAD TO PAY MY CREDIT CARD BILL WITH TOTAL VISA, FIRST ACCESS, AND REVVEL WITH A CHECK FROM OLD ACCOUNT XXXX. SO THE FUNDS DIDN'T SHOW UP TO DEDUCT FROM NEW ACCOUNT. SO THE PROPOSED PAYMENT WAS RETURN AND THEY DIDN'T GET A PAYMENT. THOSE PAYMENTS WERE {$100.00}, {$100.00}, AND {$100.00}. 

SO I MADE PAYMENT OF {$100.00}, {$82.00}, AND {$100.00} TO EACH ACCOUNTS. THOSE PAYMENT HAS TAKEN UP TO 21 DAY TO CLEAR. 

SO EACH COMPANY TOTAL VISA, FIRST ACCESS VISA AND REVVEL PUT A BLOCK ON ALL THREE CREDIT CARD ACCOUNT. 

SO MY ACCOUNT ARE STILL BLOCK TILL THIS DAY XXXX XXXX 2024. 

ALL THREE WANT ME TO SEND A COPY OF MY XXXX BANK ACCOUNT STATEMENT SO THEY CAN CLEAR MY CREDIT CARD ACCOUNT!!!!!!! SO I CAN USE MY ACCOUNTS WHICH HAS A BALANCE OF {$14.00}, {$150.00}, AND {$120.00}!!!! WITH A CREDIT LIMIT OF {$300.00}. I USE A XXXX MONEY CARD TO PAY MY TOTAL VISA {$300.00} WHICH IS NEW CARD YESTERDAY XXXX XX/XX/2024. 

WHAT THE XXXX THEY SEE MY DEBIT CARD CHECKING ACCOUNT STATEMENT WHICH IS MY PRIVATE BUSINESS!!!!!!!!!!!!! 

THEY ARE SCAMMMER TO HACK MY CHECKING ACCOUNT!!!!!!!!

BUT I DID MAKE NEW PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im a victim of identity theft I was tricked into thinking I had a WFH job and my information was being used for mutiple credit cards and bank accounts without my knowledge

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: NC

Complaint narrative:
I have contacted Global Lending Services on multiple occasions regarding inaccurate information reporting on my consumer credit report. The documentation that was provided to me by Global lending Services shows that my contract term was for 72 months, but on my credit report, the contract term is reported as 73, which would make the information reporting inaccurate. I have disputed this information before and the credit reporting agencies stated it was verified as accurate which is not true and they are therefore violating my rights via the credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against TransUnion due to their handling of a disputed account on my credit report, which they have inaccurately re-aged, suggesting a recent late payment. This action is misleading, incorrect, and has significantly harmed my creditworthiness, directly impacting my financial stability and ability to secure essential financial services. 

Furthermore, I wish to highlight my previous attempt to resolve an issue with XXXX XXXX XXXX XXXX. On XX/XX/2023, I sent a certified mail requesting validation of a disputed account, as per the Fair Credit Reporting Act ( FCRA ) requirements. Despite the legal obligation to respond within 30 days, I have not received any form of acknowledgment or response, further compounding the inaccuracies on my credit report. 

This complaint underlines the failure of TransUnion and XXXX XXXX XXXX XXXX to adhere to FCRA guidelines, resulting in severe personal and financial repercussions for me. As a diligent consumer who has not missed a single payment in over XXXX years, and as a single father striving to provide for my family, I urgently request the CFPB 's assistance in investigating these matters and ensuring the correction of my credit report. 

Enclosed are all relevant documents, including copies of the certified mail sent to XXXX XXXX XXXX XXXX, and evidence of the disputed account with TransUnion. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving these distressing issues.

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 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I placed an order for an item through PayPal on XX/XX/XXXX - using pay in XXXX installments. 

The item arrived damaged and unusable. The seller refused to refund the money unless I paid for extremely expensive shipping back to XXXX. Which goes against their 14 day notification of return policy for damaged items. 

I filed a dispute claim with PayPal in XXXX and they refused to process the refund unless I returned the item- I was happy to do so, but refused to pay hundreds of dollars to ship a broken back to the seller. 

My dispute kept getting denied and I kept appealing it, as you can see from my screen shots. I was finally told by PayPal representative to file a chargeback claim with my XXXX XXXX 

Filed a claim with XXXX XXXX in XXXX and won the dispute. PayPal has been borderline harassing me with phone calls saying that I now have a Delinquent loan with them and it will go against my credit. 

Filed a complaint with FTC and XXXX, still no resolution from PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Never heard of this company before never purchase lease or loan a car from them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MO

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.

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 2024-02-06 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: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my 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 2024-02-06 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CrossCountry Mortgage LLC
State: MN

Complaint narrative:
We are selling our house in XXXX  to qualified veteran buyers who are assuming the loan. We started this process in XXXX XXXX XXXX. Our buyers had submitted all necessary documentation to Cross Country Mortgage for the loan. They signed the closing disclosures on XX/XX/XXXX and we were set to close before the initial closing date of XX/XX/XXXX. 

Over the holidays, we consistently called and spoke with people at XXXX  regularly and they assured us that they understood that we needed to close in XXXX because we are buying a house in XXXX 

On XX/XX/XXXX our title company had still not received any more information, so I called XXXX and they said that our loan had been sold. I said, " we are supposed to close today, what do you mean it has been sold? '' They couldn't give us any information because the new loan was not pulling up in their system until XX/XX/XXXX. 

We moved into the home we are purchasing in XXXX  with a short term rental agreement from XX/XX/XXXX through XX/XX/XXXX. Our sellers in XXXX  were kind enough to extend our rental through the end of XXXX so that we could close on the home in XXXX. I called and called XXXX and they never had any updates for us, they just said that they would put in a ticket to call us back. That never happened. 

I have filed two complaints with the XXXX  and XXXX replied that they understood that we needed to close in XXXX. 

It is now XX/XX/XXXX and if we do not close on the home in Virginia and the home in MN in XXXX, there will be two veteran families with children ( XXXX is XXXX XXXX ) who will be homeless. This is a very severe emergency and we are unable to reach anyone at XXXX who will help us. Apparently this happened to thousands of veteran families who were in the assumption process when XXXX sold the loans without allowing the assumptions to go through before changing the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient 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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have tried to resolve this issue in several different manners throughout the past few years. Unfortunately, it has not been possible since this is a joint account. The other owner is incapacitated and has been for two years now. During the beginning of that time ( XX/XX/XXXX ) I was making on-time payments myself and had taken the responsibility for the account over without even having the car in my possession. I had tried during that time to work with law enforcement and had several court cases from XXXX til XXXX to get the car finally back in my posseion. However, the joint owner 's mother claimed to have power of attorney and did not want to cooperate with a voluntary surrender. Thus leading to an illegal repossession of my property. The company held no lien or sufficient evidence over the car during that period. This caused a lot of distress to me because I went from being perfectly fine with no bills then I was required to pay and take over this account. Eventually, the car was discharged and they still are illegally trying to collect money from me over this car. I know that a charge-off is considered a certificate of indebtedness which is income. Per 15 USC 1601-1605 it is illegal to report income on a credit report. I have tried using all my rights with XXXX XXXX XXXX such as opting out from reporting per 15 USC 6805. I have told them all my other rights like reporting late payments are illegal per 15 USC 1666B ( a ) & it is illegal to report collections 15 USC 1681. I had never received any disclosure before all this detrimental false and misleading information was reported without my consent. There was a violation of my privacy and my whole life has been affected by this one account alone. I was denied many different things that I needed for myself to live comfortably. According to the privacy act of 1974, I have had a plethora of rights violated and I need monetary compensation no less than the amount they are illegally trying to collect from me.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
XXXXELF Financial has two accounts on my credit report open in my name with opening dates less than 6 months apart. Both are negatively affecting my account and the CFPB hs done nothing to rectify this. Self has been allowed to falsify multiple accounts on my credit account only using one account number.

Company response to consumer: Closed with explanation