vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Madison Management Services, LLC
State: CO

Complaint narrative:
We are filing a complaint regarding Madison Management 's delayed processing of our mortgage payments, which has resulted in significant financial penalties.

Each month, we submit our mortgage payments on time to Madison Management, who is responsible for forwarding them to our mortgage company. However, Madison Management has repeatedly delayed these payments, causing our mortgage company to apply our monthly payments toward late fees instead of the principal. As a result, our account has accumulated over {$1800.00} in late fees and monthly corporate advance charges in year XXXX charged {$220.00} in fees and in year XXXX charged {$640.00} in fees.

Due to Madisons delays, the mortgage company has continued to apply our payments to cover late fees first, which has led to a shortfall in our regular payments and put us further behind each month. This situation has created an additional financial burden, as we now owe an extra payment to bring the account current. 

We request that Madison Management reimburse us for the late fees caused by their delays, as these fees were a direct result of their failure to send payments to the mortgage company on time. This reimbursement is essential to help us get back on track with our mortgage payments and alleviate the financial strain caused by this situation.

Thank you for your assistance in holding Madison Management accountable for these delays and helping us obtain the financial relief needed to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX  F - XXXX - XX/XX/2020 - {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX - 1XX/XX/2020 - {$23000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I have a PayPal account. Evidently I signed up with something called XXXX on my XXXX and a year later XXXX  billed my PayPal account for {$110.00} But there wasn't {$110.00} in the bank debit account tied to the PayPal account so the charge failed, because I've ordered my bank debit account to not pay any overdrafts. I prefer this arrangement with my bank to protect myself from false charges. Now PayPal is hassling me to pay them back but I have no credit arrangement with PayPal and do not recognize their right to loan me money without my consent. 20 years I've had a PayPal account but there's never been an overdraft before, this has never come up. I was unaware there was a charge associated with XXXX I thought it was a one-time app charge as is common in today 's internet. I've tried to complain to PayPal but I can not find the complaint button on their website, tho a XXXX search said it should be there. I suppose I should simply pay the XXXX invoice but it's been satisfied by PayPal. I'm willing to pay PayPal but only on the condition that they immediately close my account and issue no more charges against me. 
I have not been able to submit this complaint to PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
All that I want is my free annual copy of my credit report from Equifax and XXXX XXXX. XXXX has already sent my annual copy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of identity theft due to a recent data breach. As a result, unauthorized accounts have been added to my credit report without my consent. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit file : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I recently had to close both of my Capital One credit cards that I've had open for almost a decade because they allowed a fraudulent charge to go through, despite contesting the charge and providing evidence of my claim. I ordered a pair of boots from XXXX from a vendor on XX/XX/24. I received the boots and they didn't look good, so I returned them immediately. I then received a refund for them shortly after on XX/XX/24. 

Then randomly, over two months later on XX/XX/24, this vendor charged my credit card again. When I tried to reach out to them, XXXX directed me to forward a message through their email, as seen attached. I received no response. I then them a receipt that they sent me the boots, nothing more, nothing less. My credit card company then took back the credit. I then informed them that's not what the issue was ; it was that I sent them back already got a refund, and now they are trying me charge me again. I forwarded all my proof. They then requested I send them pictures of the boots, which makes XXXX sense because why would I have taken a picture of the boots?

Despite providing all the documentation that these were sent back and I tried to communicate with the vendor, they refused to reopen my case. They still think I'm saying the boots were never sent to me. They then changed their story to saying they issued me a credit already so that's why they took back the refund. Again, they issued the refund and THEN charged me over 2 months later. My credit card company refused to listen to anything else I had to say and aided this untrustworthy vendor from stealing {$81.00} from me. Because of this, I quickly canceled all my credit cards from Capital One as I now knew I had no protection against unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of america placed a hold on a XXXX  payment of {$940.00} and when I attempted to log into online banking to see why and allow the payment to process, I was met with a message telling me mobile and online banking were no longer available to me, and to call customer service. I did that, and customer service said they were unable to verify my identity, and the only way for me to do so was to go into my local branch. I went in to the local branch, and they said they didn't have a banker available to help me, so i said i wanted to close my account and withdraw all my money, the woman said she could get me all my money, but that she couldn't close my account until after I left the bank. I told her never mind and that I would contact my lawyer. she tried to backtrack and change her statement, but at this point i don't feel safe with my money in their hands anymore.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Company refuses to allow me to speak to managers. they representative will hang up the phone, deny the request for manger or simply put me on hold until phone call hangs up.

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 2024-11-08 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: EQUIFAX, INC.
State: TX

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
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
You are breaking multiple laws in regard to my consumer report.

The following correspondence is not a request for validation or verification in any way. It is a demand for you to follow the laws that the U.S. Congress has set forth.

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 2024-11-08 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: CA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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 2024-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: OH

Complaint narrative:
I still haven't received information from AES or XXXX about the entire reasoning behind XXXX denying to take actiong on a Contractual Guarantee found in my Student Loan Promissory Note. I waited back for over a month to receive a response of " Unfortunately, your loan owner is not taking taking action on your requestfor an exception due to school misconduct or closure ''. This message was in response to a request to AES for a full explanation that I was promised by XXXX which XXXX STILL HAS NOT DELIVERED. Both AES and XXXX have failed to adequately explain why they are refusing to honor the Contractual Guarantee or why both parties continue to send statements and calculate interest on a loan that by its own terms and conditions are eligible for discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX XXXX XXXX XXXX, but after a month, the XXXX  closed the complaint as unanswered due to XXXX  XXXX 's failure to respond or provide validation of the debt. Your agency also failed to validate this account, and by law, an unverified account can not continue to be reported on my credit report. 

XXXX XXXX violated the Uniform Commercial Code ( UCC ) by repossessing my vehicle without proper notice of default, denying me the opportunity to cure the default, and failing to conduct the sale of the vehicle in a commercially reasonable manner as required by UCC Article 9. Additionally, XXXX XXXX  business registration in Texas is currently inactive, meaning they lack the legal authority to transact business or report debts to credit bureaus. Their actions also violate 15 U.S. Code 1692f ( 6 ), as they engaged in an unfair practice by repossessing without a present right. 

Due to these violations and the unverified status of this account, I am requesting the immediate deletion of account XXXX from all credit reporting agencies. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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 in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX GLS - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/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 2024-11-08 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: IL

Complaint narrative:
I filed a dispute with Experian on XX/XX/2023, regarding inaccuracies in my credit file. The dispute was marked as completed on XX/XX/2023. However, Experian remains noncompliant with its obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, the company failed to conduct a proper reinvestigation of the disputed items and continues to furnish accounts that should not be reported on my credit file. 
The reinvestigation process was rushed, unfair, and impartial, resulting in unverified items remaining on my report. Despite the requirements of 15 U.S.C. 1681i ( a ) ( 5 ), these unverified items have not been deleted. 
Experian must be held liable for its continued violations of my consumer rights. 
These actions violate the FCRA. If resolution is not granted I will seeking relief to address these ongoing issues for willful and negligent noncompliance.

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 2024-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX and a XXXX XXXX  clone scam which involved me making deposits for a total amount of USD XXXX from my XXXX  account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: TX

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im positive I always pay on time, but I dont understand why this company has reported late payments for certain months. By law ( USC 1666b ), billing errors must be fixed, and the account should be marked as " paid as agreed. ''

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 2024-11-08 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: AL

Complaint narrative:
This letter serves as a formal dispute for multiple inaccuracies and Metro 2 compliance violations on my credit report. The following accounts contain significant discrepancies that misrepresent my financial profile and violate Metro 2 standards. I am requesting an immediate investigation and correction. 
XXXX. Account : XXXX  XXXX - [ Account Number : XXXX ] Data Furnisher : XXXX  XXXX Issues Identified : o Late Payment Reporting : This account shows multiple late payment entries marked as 90 days past due with conflicting update dates ( XX/XX/XXXX, XX/XX/XXXX, etc. ). The inconsistency in reporting late payments does not align with Metro 2 standards for accuracy. 
XXXX  High Balance Reporting : The high balance is inconsistently reported as {$520.00} across the bureaus. Uniformity is required for compliance. 
o Dispute Remarks : Comments vary across bureaus, with Equifax stating Credit card Amount in XXXX column is credit limit, XXXX noting Account was in dispute - now resolved by subscriber, and XXXX indicating Dispute resolved; reported by grantor. These conflicting comments create confusion and fail to meet Metro 2 standards for clarity. 
XXXX. Account : XXXX  XXXX XXXX - [ Account Number : XXXX ] Data Furnisher XXXX XXXX XXXX XXXX XXXX Issues Identified : o Account Status and Late Payment Reporting : This account shows multiple late payment entries that are inconsistent across bureaus, with different update dates and 90-day late payment entries. The discrepancies fail to provide a clear and accurate payment history. 
XXXX  High Balance Reporting : Equifax lists the high balance as {$350.00}, while XXXX reports {$370.00}. Such inconsistencies violate Metro 2 compliance standards. 
o Dispute Comments : Equifax states Consumer disputes this information Credit card, while XXXX and XXXX have different remarks. This lack of uniformity causes a misleading representation of my credit report. 
XXXX. Account : XXXX XXXX - [ Account Number : XXXX ] Data Furnisher : XXXX XXXX  Issues Identified : o Account Status and Closure Date : The account is reported as Closed across all bureaus, but with differing closure dates ( Equifax : XX/XX/XXXX, XXXX : XX/XX/XXXX, and XXXX : XX/XX/XXXX ). This inconsistency violates Metro 2 standards for uniformity in reporting. 
XXXX  High Balance Reporting : Equifax reports a high balance of {$1300.00}, while XXXX lists {$730.00}. Discrepancies in high balance reporting create a misleading record. 
o Comments and Dispute Remarks : Each bureau has differing comments regarding the account 's closure, such as Closed or paid account/XXXX  balance on Equifax, Account has been closed due to inactivity on XXXX, and Canceled by credit grantor on XXXX. These inconsistent remarks fail to meet Metro 2 standards for clarity and uniformity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: NY

Complaint narrative:
Date : XX/XX/2022 Amount {$2600.00} Account XXXX is PAID & CLOSED This hindering me from getting a loan a house & a car. 
I'm doing everything possible to moving on with my life. 
But this thing Charged off debt is creating dilemmas in my 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