vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: VA

Complaint narrative:
I was alerted to a purchase using my PayPal account at XXXX XX/XX/XXXX in the amount of {$12000.00} by PayPal, asking if I had performed that transaction, as well as an email regarding the same transaction at XXXX the same day. I immediately responded that I had not. I then restored the account at XXXX, removed a fraudulent passkey at XXXX, changed the password multiple times, and was able to submit a claim at XXXX. At XXXX, I also removed all payment forms to attempt to insulate myself from more fraud. I called my bank ( XXXX ) at XXXX the same day and sent an email to XXXX ( where the transaction was ) at XXXX asking to cancel the order. On XX/XX/XXXX, PayPal responded that they had internally decided that the transaction was not legitimate, despite them being the ones to flag and alert the payment. I was able to call them on XX/XX/XXXX, and they changed the reason of my claim to not receiving merchandise, claiming that this was the best way to potentially recover the money. Given that the shipping address for the transaction was not my residence ( something PayPal is fully aware of ) I believed this to be valid. On XX/XX/XXXX at XXXX, PayPal once again denied the claim. PayPal also has not provided any information on why they denied the initial claim, despite my asking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
They never removed incorrect information even though I sent copy of ID and utility bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: CA

Complaint narrative:
looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX acct # XXXX ], [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late not acurate no lates ], [ XXXX XXXX XXXX acct XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX no lates not acurate XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX, are not complete and accurate. And one more thing according to 15 USC 1681s-2 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.

also i never lived at this address 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 non-monetary relief
Consumer complaint received 2024-03-25 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: MA

Complaint narrative:
I recently ordered my credit report to review, that's when I noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint, on the following dates ( XX/XX/2023 and XX/XX/2023 ). I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Credit Dispute Letter to Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX Santander Consumer USA Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account Dispute XXXX Dear Santander Consumer USA, q This letter is to formally dispute the credit reporting activity on my account # XXXX I am writing to inform you that my account was included in a recent class-action lawsuit settlement regarding Santander 's lending practices in New Jersey . As part of the settlement agreement, Santander is obligated to delete all references to this account from all consumer reporting agencies.

Legal Basis for Dispute Class Action Lawsuit Settlement : Please be advised that this account is subject to a class action lawsuit settlement that requires Santander to delete this account from all credit reports.

Fair Debt Collection Practices Act ( FDCPA ) : o 15 U.S.C. 1681e ( b ) Compliance : I request a copy of the 1099-C form reflecting the charge-off of this account, as required by the FDCPA.

o 15 U.S.C. 1682g ( b ) Validation of Debt : Since this account is included in the class action settlement, I request validation of this debt according to the FDCPA. Please provide detailed information regarding the debt, including the creditor, original amount, and charge-off date.

New Jersey Statute of Limitations : Furthermore, I believe that any attempt to collect on this debt falls outside the New Jersey statute of limitations for debt collection. Please confirm that you will cease all collection efforts on this account.

Request for Action I request that Santander immediately take the following actions : Confirm deletion of this account from all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Provide a copy of the 1099-C form reflecting the charge-off of this account.

Validate the debt according to the FDCPA.

Cease all collection efforts on this account.

I have attached a copy of the class action lawsuit settlement agreement for your reference.

I look forward to your prompt resolution of this matter. Please contact my Attorney XXXX XXXX at XXXX XXXX XXXX, to discuss this further. 

Sincerely, XXXX XXXX Important Note : Here is the settlement agreement. I am apart of this settlement. Please contact 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  You should call Santander to inquire whether your defaulted loan ( was in default as of XX/XX/XXXX, car repossessed and sold but a balance remains on the loan ) qualifies for a deficiency balance waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
in the month of XX/XX/2023 a JPMCD credit card was opened up in my name without my permission or me knowing of this illegal transaction against me, i have no idea what the credit amount of the card was, this ended up on my credit report as a hard inquire it cause my credit score to drop even lower then it already was i reached out to the three credit bureau 's to have it deleted and it was removed, this has caused great hardship to me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone stole my identity and tried to open at least XXXX accounts ( bank accounts, credict cards, mortgage, phone, etc ). Only capital 1 and XXXX  ( XXXX ) fell for it. I filed a police report ( XXXX ) and I filed an identity theft report ( XXXX ). I also provided them both with copies of the letters I received from other banks and companies who rejected the request. And I emailed them a copy of my passports and my green card. Alas, to no avail. They both still claim that I will have to pay the bills. Which is entirely unreasonable. It should be very easy for anyone to compare the docs that led them to open accounts with the original ID docs I have provided. I never ever had an account with either capital 1 or XXXX. 

I have copies and originals of all documents mentioned herein and am happy to provide them to you. 

Thank you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
[ APPLE CARD/ Goldman Sachs Bank USA ] [ Goldman Sachs Bank , XXXX XXXX, XXXX XXXX XXXX, XXXX , PA XXXX ] IN REGARDS TO Account number XXXX I am writing to bring to your attention a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). It has recently come to my attention that your institution has erroneously included information regarding my line of credit utilization which depicts my experience with your Financial Institution in my consumer report with all consumer reporting agencies including [ XXXX, XXXX, XXXX ]. 
In accordance with 15 U.S. Code 1681a, The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As per the FCRA regulations, transaction and experience information related to a line of credit with a financial institution should not be reported to consumer reporting agencies. However, I have discovered that my utilization of the line of credit with your institution has been reported adversely affecting my consumer report. 

I demand that you take immediate action to rectify this violation by updating the utilization reported to consumer reporting agencies to reflect 5 % or below, or alternatively, delete the utilization information altogether. Failure to comply with this demand within [ 10 Business days ] will result in legal action to enforce my rights under the FCRA. 

Please be advised that under the FCRA, consumers have the right to accurate and fair credit reporting. Any failure on your part to correct this matter may result in severe consequences, including but not limited to statutory damages, punitive damages, attorney fees, and injunctive relief as provided for under the law. 

I trust that you will take immediate action to rectify this violation, prevent any further harm to my credit standing, and continue our nonpublic transaction and experience. I expect a response from your institution confirming the corrective measures taken within the specified timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I reached out to Wells Fargo about my FHA loan on XX/XX/XXXX. I spoke to a home preservation specialist named XXXX. I explained the financial hardship situation I am in stemming from my XXXX XXXX XXXX in XX/XX/XXXX. He said the only thing they could offer was to take my past due payment and add it to my regular payments beginning in XX/XX/XXXX. I cant lose my home. I asked him about my home being foreclosed on, he assured me that I didnt have to worry about that. I received an email from Wells Fargo in XXXX reminding me of my upcoming payment. I logged into my app and made my XXXX payment ( which is two of my normal mortgage payments I had to borrow from my brother ). XXXX comes, I log in and it wont allow me to make a payment. I reach out XXXX, no return call yet ; but its still XXXX so Im not worried yet. Then today I get a letter in the mail saying Final Hearing - Foreclosure. How? When was the initial hearing???? Why wasnt I notified? This isnt right? How can they do this? I called and have an email confirming the call on XX/XX/XXXX setting up the modification. I made the payment in XXXX and have proof of that, even though its very high ( double ). Yet Wells Fargo has concurrently, and illegally, filed foreclosure on my home as if they hadnt communicated with me and set up a modification for 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 2024-03-25 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: CA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: NJ

Complaint narrative:
Credit Dispute Letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account Dispute XXXX Dear XXXX XXXX XXXX, q This letter is to formally dispute the credit reporting activity on my account # XXXX I am writing to inform you that my account was included in a recent class-action lawsuit settlement regarding XXXX XXXX lending practices in New Jersey . As part of the settlement agreement, XXXX is obligated to delete all references to this account from all consumer reporting agencies.

Legal Basis for Dispute Class Action Lawsuit Settlement : Please be advised that this account is subject to a class action lawsuit settlement that requires XXXX to delete this account from all credit reports. 

Fair Debt Collection Practices Act ( FDCPA ) : o 15 U.S.C. 1681e ( b ) Compliance : I request a copy of the 1099-C form reflecting the charge-off of this account, as required by the FDCPA.

o 15 U.S.C. 1682g ( b ) Validation of Debt : Since this account is included in the class action settlement, I request validation of this debt according to the FDCPA. Please provide detailed information regarding the debt, including the creditor, original amount, and charge-off date.

New Jersey Statute of Limitations : Furthermore, I believe that any attempt to collect on this debt falls outside the New Jersey statute of limitations for debt collection. Please confirm that you will cease all collection efforts on this account.

Request for Action I request that XXXX immediately take the following actions : Confirm deletion of this account from all three major credit reporting agencies ( Equifax, XXXX, and XXXX ). 
Provide a copy of the 1099-C form reflecting the charge-off of this account.

Validate the debt according to the FDCPA.

Cease all collection efforts on this account.

I have attached a copy of the class action lawsuit settlement agreement for your reference.

I look forward to your prompt resolution of this matter. Please contact my Attorney XXXX XXXX at XXXX XXXX XXXX, to discuss this further. 

Sincerely, XXXX XXXX Important Note : Here is the settlement agreement. I am apart of this settlement. Please contact 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  You should call XXXX to inquire whether your defaulted loan ( was in default as of XX/XX/XXXX, car repossessed and sold but a balance remains on the loan ) qualifies for a deficiency balance waiver.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: OH

Complaint narrative:
On XX/XX/24 there was a hard inquiry on my credit report by XXXX. I did not apply for any type of loan or credit card through them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX and Equifax and XXXX will investigate this account for me to ensure accuracy I asking you to verify as accurate : account name : - XXXX XXXX XXXX account numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: GA

Complaint narrative:
I am writing to express my deep frustration and disappointment and to follow up with the continued presence of inaccuracies on my credit report, specifically pertaining to a late open account and a charge-off. Despite my persistent efforts and previous attempts to dispute and rectify these errors, they remain unresolved. 

As previously communicated, the inclusion of these inaccuracies has had detrimental effects on my creditworthiness, financial opportunities, and overall peace of mind. Despite providing comprehensive documentation and evidence supporting my claims, it appears that my efforts have been met with insufficient action and attention on your end. 

I demand immediate action to rectify these inaccuracies and restore the accuracy and integrity of my credit report. It is imperative that your team conducts a thorough review of the documentation provided and takes decisive steps to remove the late open account and charge-off from my credit file. 

Failure to address these issues promptly and effectively will leave me with no choice but to explore alternative avenues for resolution, including legal action and regulatory intervention. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXX XXXX Balance Owed : {$4300.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item 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 2024-03-25 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: GA

Complaint narrative:
I am writing to express my deep frustration and disappointment and to follow up with the continued presence of inaccuracies on my credit report, specifically pertaining to a late open account and a charge-off. Despite my persistent efforts and previous attempts to dispute and rectify these errors, they remain unresolved. 

As previously communicated, the inclusion of these inaccuracies has had detrimental effects on my creditworthiness, financial opportunities, and overall peace of mind. Despite providing comprehensive documentation and evidence supporting my claims, it appears that my efforts have been met with insufficient action and attention on your end. 

I demand immediate action to rectify these inaccuracies and restore the accuracy and integrity of my credit report. It is imperative that your team conducts a thorough review of the documentation provided and takes decisive steps to remove the late open account and charge-off from my credit file. 

Failure to address these issues promptly and effectively will leave me with no choice but to explore alternative avenues for resolution, including legal action and regulatory intervention. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXX XXXX Balance Owed : {$4300.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with explanation