vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I made a purchase using Paypal. I did receive the product but requested to return and receive a refund. The seller received the product and stated that they were going to issue the refund. When it was never received and the seller quit responding I filed a dispute with Paypal. They initially provided the refund but then later took it back stating that the transactiong was handled properly. Now Paypal is showing that I owe them {$140.00} for the refund that they provided. I have went back and forth with Paypal providing all documentation showing that the item was received back by the seller and all communication showing that the seller agreed to issue the refund and never did. Everytime I reach out to Paypal I continue to have to send the same information over and over again with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
My student loan payments were paused due to the CARES Act until XX/XX/year>, as a result of the COVID-19 pandemic. However, I recently discovered that there is a late payment being reported on my credit file for the period during which my student loan payments were on hold. 

I would like to request that you investigate this matter and correct the inaccurate reporting on my credit account. The late payment does not accurately reflect my financial responsibility during the designated pause period for my student loan payments. I have been diligent in managing my finances and ensuring that all my obligations are met on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Reported account as fraudulent and to be removed ( Credence Resource Management ) as well as XXXX, XXXX, and XXXX keep reporting account on my report without giving a detailed description of how account was verified, the steps took to verify, or providing me with the original contacts with wet ink signature and all disclosures forms with my wet ink signature as well. Multiple violations of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: NY

Complaint narrative:
This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 
XXXX XXXX XXXX  Account number XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.

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 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/year>, Resurgent Capital Services responded to my CFPB complaint from XX/XX/year>. Their response letter stated that their office would initiate no further contact with me. Since then, I have received multiple emails ( as recent as XX/XX/year> ) and texts messages ( as recent as XX/XX/year> ) from them attempting to collect debt. Their unwanted communications are in violation of Federal and California fair debt collection laws and have caused me XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: NV

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # # # # # # # XXXX, XXXX XXXX XXXX, I : # xxxxx XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX : # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX  XXXX XXXX : # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX  XXXX XXXX : # xxxxxxxxxxxx XXXX, XXXX XXXX  : # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX : # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX : # xxxxxx XXXX, XXXX XXXX XXXX : # xxxxxx XXXX, XXXX : # xxxxxxxxxxxx XXXX, XXXX  : # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXXXXXX XXXX XXXX # xxxxxx XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Company did not resolve the issue of my claim, instead just sent multiple emails asking for information that was sent already in regards to my claim. I'm receiving multiple emails asking for information in regards to my claim but when I send over h the information I get no confirmation it was received and then on the deadline I get an email stating my claim was denied because I didn't give it to them. XXXX, I have saved every email and every email asking if my information was received. 

The company claimed I did not send information and then closed the claim, only decided to reopen it up because I made a public statement in regards to it, I don't hear or receive anything in regards to the claim when I send information. Why open and close open and close claim. If sending an email to your XXXX isn't accurate let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: CA

Complaint narrative:
SELF FINANCIAL LEAD- ACCOUNT # XXXX I am writing to inform you that there is inaccurate information being reported on my consumer report, which is a violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is mandatory for you to report accurate information to credit reporting agencies. 

I am hereby formally notifying you of my demand for arbitration in accordance with my rights under the FCRA. You are granted XXXX  days to rectify and remove the inaccurate information from my report. Failure to satisfactorily address this matter within the stipulated timeframe will compel me to proceed with arbitration. 

Under the FCRA, your company may be liable for fees associated with arbitration, including up to {$2000.00} for the arbitrators fees, in addition to damages resulting from willful neglect and non-compliance, as outlined in 15 USC 1681n. 

This communication serves as my final attempt to resolve this matter amicably before pursuing formal arbitration proceedings. 

I will present my factual evidence in arbitration that proves that this account is being reported inaccurately, inconsistently, incomplete, and deviates from the standard regulations of FCRA or you can remove the account and save time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: DISCOVER BANK
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please update the following account and paid, never late. 

Discover Bank Ending in XXXX Date of Late Payments- XXXX of XXXX XXXX, XXXX & XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: CA

Complaint narrative:
THIS ACCOUNT REPORTS DIFFERENT INFORMATION IN THE AGENCIES WHERE THE ACCOUNT IS REPORTED, IT IS ALSO NOT REPORTED IN THE XXXX CREDIT AGENCIES, ALSO INFORMATION SUCH AS THE LAST PAYMENT DATE, THE LAST VERIFICATION DATE, AMONG OTHERS, DOES NOT MATCH, PLEASE REQUEST TO DELETE IT IMMEDIATELY, FROM MY CREDIT HISTORY IN THE XXXX AGENCIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: CA

Complaint narrative:
THIS ACCOUNT REPORTS DIFFERENT INFORMATION IN THE AGENCIES WHERE THE ACCOUNT IS REPORTED, IT IS ALSO NOT REPORTED IN THE XXXX CREDIT AGENCIES, ALSO INFORMATION SUCH AS THE LAST PAYMENT DATE, THE LAST VERIFICATION DATE, AMONG OTHERS, DOES NOT MATCH, PLEASE REQUEST TO DELETE IT IMMEDIATELY, FROM MY CREDIT HISTORY IN THE XXXX AGENCIES.

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 2024-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MCS CLAIMS SERVICES, INC
State: NJ

Complaint narrative:
I received a letter dated on XX/XX/year> from MCS Claim Services INC about a medical bill that has now gone into collections from XXXX for {$1000.00}. I sent a letter through certified mail on XX/XX/year> requesting information regarding the debt, validating that it is mine as I am currently on a debt repayment plan with XXXX paying roughly {$400.00} every month. The mail was tracked and delivered on XX/XX/year> with confirmation from XXXX to the address found on their letter. They did not respond to me for almost 3 months. When they did respond on XX/XX/year> they did not verify that this debt was mine, instead they sent me a letter attempting to collect the debt saying that I confirmed to promise to pay the debt when I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: CA

Complaint narrative:
I was informed by a few companies ( XXXX, XXXX XXXX, XXXX. ) that my account was denied due to information listed on Equifax, XXXX XXXX XXXX. Equifax, XXXX XXXX XXXX are XXXX XXXX not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - Equifax, XXXX XXXX XXXX is not correct in what they are doing. All 3 credit report agencies are selling my information, they are not confirming with me what is correct and are only allowing the companies to post negative items on my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: CA

Complaint narrative:
I was informed by a few companies ( XXXX, XXXX XXXX, XXXX. ) that my account was denied due to information listed on XXXX, XXXX XXXX Experian. XXXX, Experian XXXX XXXX are XXXX XXXX not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, Experian XXXX XXXX is not correct in what they are doing. All XXXX credit report agencies are selling my information, they are not confirming with me what is correct and are only allowing the companies to post negative items on my credit,

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 2024-06-15 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: TN

Complaint narrative:
I have been disputing this debt for months due to several inaccuracies. By law, correct and valid information should only be reported. 

This is in violation of codes : 15 USC 1681e ( b ) 15 USC 1681i ( 5 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: FL

Complaint narrative:
I reported account as fraudulent to Experian as well to XXXX and XXXX XXXX XXXX. Account continues to be reported on my credit report even as I sent in dispute asking account to be investigated in accordance with FCRA. I ask for all original contracts and disclosure forms with my wet ink signature which all companies have fell to produce. As well as giving a detailed description on steps taken to show how account was verified other than creditor saying it has been which is in violation of FCRA. I have requested account to be investigated twice with same results. Ive attached the consumer law codes with every request that backs up everything I said but account keeps coming back verified

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 2024-06-15 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I called midland credit management inc told them I have no knowledge of this debt and let them know that it wasnt me and it was someone with my name and I asked them to remove it because its not me. Midland said they couldnt verify the collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abily with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: MI

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abily with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-06-15 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: TN

Complaint narrative:
have been disputing this debt for months due to several inaccuracies. By law, correct and valid information should only be reported. 

This is in violation of codes : 15 USC 1681e ( b ) 15 USC 1681i ( 5 )

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 2024-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> my father passed away. He had a used car loan at Randolph Brooks Federal Credit Union. On XX/XX/year> I went to the bank to pay off the car loan so I could get the title to the car. The bank informed me AFTER I paid the loan that they would not release the title to the car until I paid off another existing loan my father had with the bank ( line of credit ). They also said they would not talk to me about any other debts my father had with the bank or release any money that was in his accounts to me even though I was listed as the beneficiary. They said I needed to submit the Death Certificate first before they would do anything with me. However, they still took my money ( {$4500.00} ) to pay off the loan. 

On XX/XX/year> I went back to the bank with the Death Certificate and gave it to them. I asked for the amount owed on the line of credit loan AND an e-mail that stated that once I paid the line of credit if I would be given the title. They said I would have to pay {$530.00} and after I paid that amount I could be issued the title to the car. 

On XX/XX/year> I went to the bank and paid the amount owed on the line of credit at {$530.00}. I did speak with a member of XXXX XXXX ( XXXX XXXX and I was informed that now they would release the car title to me. 

On XX/XX/year> I received the car title ( hard copy ) from the Texas Department of Motor Vehicles in the mail. It was dated XX/XX/year>. The postage date on the envelope was XX/XX/year>. I would have received the title to my father 's car had I paid off my fathers loan or not. 

I feel as though I was tricked by the bank to be responsible for the debt of my father. I was told that the title wasn't going to be released until I paid the loan and yet it was released anyway. In good faith I did what was told to me by the financial institution ( RBFCU ) and lost {$530.00} of my personal money when I should not have been responsible for my father 's debt. They took my money on XX/XX/year> to pay the loan but still held onto the title in coercion to get me to pay my father 's debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The information being reported on my XXXX XXXX. This account was never late and or 60 days past due. The account was paid in full on XX/XX/year> there was 30 day a late payment reflecting on XX/XX/year>. That information was reporting error. They corrected the error, and in return the credit bureaus updated the information and reported that XX/XX/year> was 60 days late which is incorrect.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The information being reported on my XXXX XXXX. This account was never late and or 60 days past due. The account was paid in full on XX/XX/year> there was 30 day a late payment reflecting on XX/XX/year>. That information was reporting error. They corrected the error, and in return the credit bureaus updated the information and reported that XX/XX/year> was 60 days late which is incorrect.

Company response to consumer: Closed with non-monetary relief