vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: WV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
This an update to complaint XXXX. 

The company has tried 3 more times after my very long conversation with them - an additional XXXX has been charged to my account, I am XXXX and can not afford to be out so much money. It is their responsibility to use cash in account first. 

XX/XX/2024 PAYPAL RETRY XXXX XXXX XXXX  ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$72.00} XX/XX/2024 PAYPAL RETRY XXXXXXXX XXXX XXXX ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$42.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Carchoice of Memphis, Inc.
State: TN

Complaint narrative:
Payments where made on time until manufacturing company had a recall on XXXX vehicles my vehicle was on recall from XXXX. XXXX, XXXX till XX/XX/XXXX I informed leasing company kept them updated and explained and even asked them for assistance they declared they would put a hold on the loan if proven car had fell under recall which it did but they never placed the hold once I got the vehicle back on XX/XX/XXXX the manufacturing company charged me {$500.00} to puck up the vehicle then told me I needed a new alternator which I did have to replace on XX/XX/XXXX I do have all necessary documentation for my claim leasing company repossessed my vehicle asked me to refinance I agreed but instead they kept the vehicle and told me to hire a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
I pay biweekly bank payments with extra to my mortgage but do not use their biweekly payment option. On my payment activity I have line items of " Lender Paid Adjustment '', {$39.00} and then " Lender Paid Expense '', {$39.00}. When I called the customer service they said, it was a loan because that months biweekly payments did not add up to a full payment. I bank pay biweekly and they said that any extra biweekly payments go to prepaid interest. So if I understand this correctly, I am paying biweekly but the company is loaning me the balance for that months payment because they sent any extra to prepaid interest. Then they pay that months loan to the principle balance even though I'm ahead in monthly payments. I asked them to stop doing this and put any extra to principle. They said because of their system algorithm they can not do that. I would need to call in each month and specify that any extra goes to principle. This seems to be self-serving and I want them to stop applying my funds in this way. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am writing to express my deep concern and dissatisfaction regarding the unauthorized disclosure of my private information by Square, also known as Block Inc. As a longstanding and loyal customer of Square, I am troubled by the serious breach of my privacy and the subsequent lack of effective resolution from their team. 

On XXXX XXXX XXXX at XXXXXXXX XXXX  PST, I received a text message from an unauthorized party that explicitly detailed specific information about my Square Loan, including the loan origination date and my name. This unauthorized party claims to have obtained this information through Square, and I possess tangible proof of this claim in the form of the text message received. 

My initial attempt to resolve this issue was on XX/XX/, when I contacted Square 's customer support. During that call, I was assured that I would receive an email once the matter was resolved. Despite multiple follow-ups, I have not received any satisfactory resolution or communication regarding this matter. 

Subsequently, on XX/XX/XXXX, I spoke with another representative who assured me that I would receive an email addressing my concerns. The email I received from " XXXX '' only requested information on what my concerns were, without providing any substantive response or resolution. 

In my prompt response to " XXXX '' on the same day, I reiterated my concerns, expecting a timely and effective resolution. Unfortunately, I have not received any further communication from " XXXX ''. 

Recognizing the urgency of this matter, I reached out once again on XX/XX/XXXX, copying Square 's privacy team in the communication. While I did receive an email from the privacy team, it regrettably appeared to ignore the gravity of my privacy concerns, providing no substantive information or resolution. 

On XX/XX/XXXX, I received a message from XXXX stating, " Ive passed your case along to a Square Banking team member who can help you further. You should hear back from them shortly. '' Subsequently, I received no additional communication even after a follow-up on XX/XX/XXXX. 

It is imperative to note that I possess concrete proof from the unauthorized party, in the form of the aforementioned text message, confirming the unauthorized access to my personal information through Square. 

I am deeply dissatisfied with Square 's handling of this situation and the apparent lack of urgency and professionalism in addressing a serious breach of my privacy. I am requesting a formal investigation to take place including what they call " an Automatic '' occurrence of sharing private information from their internal systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: NY

Complaint narrative:
The law is being broken and rights are being violated things are on my credit report that should not be there nothing is being verified 15 US 1681b

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 2024-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Reached out to NCB Management starting XXXX XXXX-current requesting validation of debt. Company responded with partial of items that were requested. Company is unable to provide signed contract between debt collector and original creditor showing proof that company is an affiliate and not a 3 party. As provided in NCB management privacy policy " We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone. 
We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request. '' Said company is in violation of their OWN privacy policy as they are sharing inaccurate information to XXXX, XXXX XXXX XXXX. Company also has information I did not voluntarily provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Requested address be updated to current address of pass 2 years and all other address in file removed as they are not mine

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Received a 30 day late on my account that was due to a fraudulent charge. 

The charge was removed, but they have still reported me as 30 days late.

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 2024-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR

Complaint narrative:
Debt Collector failed to make contact with me ( sending a debt validation letter ) prior to reporting to the credit bureaus as of XX/XX/year>. It was not until about XX/XX/year> when I started to dispute this have yet to receive any documentation j have requested from the CRAs and the Collection agency.The account summary that I finally received from the original creditor had numerous errors including incorrect dates, charges that my leasing contracts states I do not owe, charges for move out costs I am not responsible for as emails from the credit will state, etc.In which shortly after being made aware of this alleged debt on my credit report I made numerous attempts to dispute. Due to the Collector violating the Fair Debt Collection Practices Act and the new rule as of XXXX XXXX specifically stating how debt collectors can communicate with you, including what information theyre required to provide at the outset of collection about the debt, Adding, that after providing legal documentation, signed contracts, various forms of correspondence with the Creditors to support my dispute that the alleged debt amount is inaccurate as I do not owe a balance, the attempts made to collect are violating my rights, the collector and the CRAs have failed to provide me with documentation to accurately validate their claim as I have requested repeatedly among other violations I believe they have made. Noting that the initial complaint filed in court by the creditor had false claims as they added rental amounts to eviction notice that had been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
The information that was provided was not sufficient proof I owned that debt. The information did not include a signature, social security number, or details about fees and interest from original debt owed to current balance. Also the information given to was showed the current creditor different than the creditor trying to collect this debt. Also needs to be noted my email address along with other sensitive information was effected by data breach on XXXX in 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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
XXXX XXXX notified me that Lexis Nexis is reporting me for a at fault auto accident for XX/XX/year>. The accident was a no fault. My parents premium with up a lot. I havw the collision report showing it was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Net Credit and XXXX XXXX XXXX XXXX XXXX are both reporting information to the credit bureaus ; for what appears to be the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: NY

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I open BNO Bank account to receive promo after XXXX days with {$4000.00} money direct deposit. 

When I opened on their website it made me open XXXX accounts, could not open unless I opened XXXX different accounts. I did not want to open both accounts, but it forced me to. 

Was not XXXX XXXX fined for this a few years ago? 

The promo is for XXXX direct deposit into checking account, but my first XXXX deposit was into saving account on XX/XX/XXXX by mistake, I request that they account that deposit towards my promo fulfillment. that is issue XXXX. 

XXXX  issue is with money from XXXX to open account was made, but i want to know why the last XXXX digits list on BMO website is different than my XXXX account, why is this?

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 2024-02-01 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: FL

Complaint narrative:
I trust this message finds you well. I am writing to bring to your attention an issue with my credit report that requires your assistance in resolution. 

Upon reviewing my credit reports, I have identified an inaccurately reported late payment. I have made several attempts to contact the creditor in question to address and rectify this discrepancy, but unfortunately, I have not received any response. 

In accordance with the Fair Credit Reporting Act, I would like to highlight that XXXX  Account # XXXX has violated my rights : 15 USC 1681 Section 602 : I have the right to privacy.

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

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

I kindly request your support in investigating and resolving this matter promptly. Your assistance is crucial in ensuring the accuracy of my credit report.

Thank you for your prompt attention to this concern. I look forward to a swift resolution. 

Sincerely, 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 2024-02-01 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: FL

Complaint narrative:
I trust this message finds you well. I am writing to bring to your attention an issue with my credit report that requires your assistance in resolution. 

Upon reviewing my credit reports, I have identified an inaccurately reported late payment. I have made several attempts to contact the creditor in question to address and rectify this discrepancy, but unfortunately, I have not received any response. 

In accordance with the Fair Credit Reporting Act, I would like to highlight that XXXX  Account # XXXX has violated my rights : 15 USC 1681 Section 602 : I have the right to privacy.

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

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

I kindly request your support in investigating and resolving this matter promptly. Your assistance is crucial in ensuring the accuracy of my credit report.

Thank you for your prompt attention to this concern. I look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
I trust this message finds you well. I am writing to bring to your attention an issue with my credit report that requires your assistance in resolution. 

Upon reviewing my credit reports, I have identified an inaccurately reported late payment. I have made several attempts to contact the creditor in question to address and rectify this discrepancy, but unfortunately, I have not received any response. 

In accordance with the Fair Credit Reporting Act, I would like to highlight that XXXX  Account # XXXX has violated my rights : 15 USC 1681 Section 602 : I have the right to privacy.

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

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

I kindly request your support in investigating and resolving this matter promptly. Your assistance is crucial in ensuring the accuracy of my credit report.

Thank you for your prompt attention to this concern. I look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
XXXX plus years ago I incurred debt. Then I stopped working due to XXXX XXXX and XXXX  from years old injury and I had XXXX XXXX  and got little to no support. 
I finally got XXXX a year ago that started out as {$500.00} a month. 
The above debt still shows up on my credit report after XXXX plus years of having incurred it. 
I want the debt removed from my credit report. 
I have filed complaints with reporting agency and collections company and have received no viable answer. And it appears they resell the debt to keep it current somehow?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have XXXX inquiries on my report that were not removed and need to be immediately because of inaccuracies and unknown sources the said inquiries are XXXX cards 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 non-monetary relief
Consumer complaint received 2024-02-01 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: WV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief