vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am writing to file a formal complaint against Midland Credit Management for violations of the Fair Credit Reporting Act ( FCRA ) related to inaccuracies in my credit report. These inaccuracies pertain to an account originally owned by XXXX XXXX and subsequently acquired by Midland Credit Management. 

**Specific Violations : ** * **15 U.S.C. 1681 ( b ) & Section 604 ( a ) ( 2 ) : ** Midland Credit Management furnished my credit information to consumer reporting agencies without my express written consent, infringing upon my right to privacy.

* **15 U.S.C. 1681s-2 ( b ) : ** Upon my initial dispute of the reported information, Midland Credit Management failed to conduct a reasonable investigation to verify its accuracy. 
* **Potential 15 U.S.C. 1666b Violation : ** If the alleged late payment on the XXXX XXXX account was not in fact late, Midland Credit Management 's reporting of it as such may constitute a violation of this provision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: PA

Complaint narrative:
I have disputed the attached accounts multiple times for inaccuracy and false reporting. The are not any accounts I recognize opening and accounts have so many discrepancies that I question the integrity. I have a right to accuracy and completeness on my report so I have requested that the inaccurate accounts be removed but they are still reporting. The accounts do not even show a notice of dispute so I KNOW there was not investigation completed. The account must be removed since it is impossible to verify the because of all the inaccuracies and discrepancies.

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 2024-01-09 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: OH

Complaint narrative:
I recently received a copy of my credit profile and there are ( XXXX ) incorrect address that I have never lived. ( XXXX ) incorrect employers that I have never worked. There are ( XXXX ) inquiries that I never authorized I want all of this deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: VA

Complaint narrative:
It is not belong to me. It is fraud! This is causing me a lot of stress and 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 2024-01-09 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I haven't received any response from them. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to be deleted immediately 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear CFPB Team, I am writing to seek your assistance in resolving a dispute with PayPal regarding a transaction with XXXX XXXX XXXXXXXX. On XX/XX/2023, I filed a dispute with PayPal for a transaction in the amount of {$3800.00}. After initiating the dispute, I was offered a full refund in exchange for returning the item. I duly returned the item, and it was delivered to the address provided by PayPal on XX/XX/2023, with XXXX tracking number XXXX. 

Despite providing numerous pieces of evidence to the PayPal Resolution Center and complying with their requirements, I have not yet received the promised refund. I have also been in communication with a supervisor at PayPal customer service, who assured me that I would receive the refund. However, the refund has not been processed, and the delay in resolving this matter has caused me significant concern. 

I am reaching out to the CFPB in the hope that you can facilitate a timely and fair resolution to this matter. I have worked hard for this money and have made every effort to comply with PayPal 's procedures. I believe that the involvement of an impartial third party is necessary to ensure that I receive the refund that is rightfully mine. 

I kindly request your assistance in reviewing this case and helping to expedite the refund process. Your attention to this matter would be greatly appreciated. 

Thank you for your time and attention. I am hopeful that with your intervention, this issue can be resolved promptly and fairly. 

Sincerely, XXXX XXXX XXXX number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo Bank added XXXXXXXX XXXX  to my new truck which I had the same full coverage as the day I bought it. The XXXX was put in the loan at a high interest rate which raised my truck payment alot and I could not afford the payment after. 
I called wells Fargo and talked to them several times in the XXXX XXXX XXXX the scammers working there assured me I need this to keep my truck. I struggled with the payment and had made 7 late payments and in MN is the bank takes those payments then before a repo there required to send a XXXX letter. The Bank violated mn law and had the truck stolen and then never sent a letter as to where the auction was. 
Months later they finally sent a letter saying they sold the truck for way less than it was worth. Come to find out they ran another scam they sold my loan to another bank and the Truck was left in my name for years waiting on Wells to settle with me. I was forced to also file bankruptcy and that was alot of money and destroyed my credit. 
Wells Fargo Used a bad arbitration place and all I ended up with was pennys on the dollar. They didnt even fix my credit report nothing. They XXXX and should be shut down They say there going to make it right and they XXXX XXXX again.

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 2024-01-09 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: NY

Complaint narrative:
Your agency has repeatedly ignored my requests to fix inaccuracies on my credit report, violating the Fair Credit Reporting Act. Despite my efforts to resolve the matter with the creditor, your refusal to verify information displays negligence. The following errors are still on my credit report, adding to the distress caused by your agency 's actions : The only address that should be reporting on my file is " XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX '' Please REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I called and sent letters to EXPERIAN about the generic letter that I received about my disputes. There are two bankruptcies that are reporting on my credit report that are fraud and not mine along with an account from XXXX XXXX XXXX texas, and 5 inquiries. As a consumer this is very frustrating and against my rights according to the 1978 FDCPA 15 U.S.C. 1692-1692P.

EXPERIAN has displayed no proof of validation and only send me something generic saying its validated. 

I also sent them my police report and my FTC report which shows fraud from the accounts that I've disputed. FCRA 605B ( 15 U.S.C. 1681C-2 ) was also submitted to block these fraudulent accounts along with fraud inquiries, bankruptcies, and address. The accounts are hindering me from obtaining credit and housing.

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 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
Portfolio Recovery Associates continues to call me about a debt that I do not owe. The statute of limitations was over five years ago and it has since then been removed from my credit. This has continued over the last few years and they will not stop calling even after I have told them so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Credit Card Company closed my account and placed a charge off on it. I was nerver billed for any outstanding balance. I reached out XX/XX/24 to see if I could retify this issue. I offered to pay the balance on the account if the charge off would be removed and state paid as agreed. I didn't request a deletion as there is only one small amount that's due, otherwise the account has a perfect credit history. I would like to keep this account if the chargeoff is removed as it would help my credit score. 

Account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have disputed this alleged bankruptcy with Experian on numerous occasions. One of the first times I disputed this alleged bankruptcy they responded back with verified via the bankruptcy court. I reached out to the bankruptcy court who says they do not provide that information to the bureaus. I disputed this alleged bankruptcy again with Experian including the bankruptcy court letter and they responded back with verified via XXXX XXXX I contacted XXXX XXXX who stated the alleged bankruptcy is unverifiable and also froze my credit. I disputed again with Experian and provided the bankruptcy court letter and the XXXX XXXX letter and this time they just said it was verified. I recently ordered my XXXX XXXX report and there is no bankruptcy attached to my report. 

I disputed this alleged bankruptcy with Experian on XXXX, XXXX, and numerous of other times including a phone call on 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 2024-01-09 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: VA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: KY

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX Account XXXX Date Open : XX/XX/XXXX Balance : {$280.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: KY

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX Account XXXX Date Open : XX/XX/XXXX Balance : {$280.00}

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 non-monetary relief
Consumer complaint received 2024-01-09 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: TD BANK US HOLDING COMPANY
State: ID

Complaint narrative:
TD auto in companys Statements in the investigation clearly states that the account was paid in full and that they have a duty to report accurately following the FCRA guidelines. In review of my credit report they are not in accordance with this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KS

Complaint narrative:
Since applying for XXXX my application has been in processing XX/XX/2023. Now over electronic communication I received notification my payment is due XX/XX/XXXX. It is not based off XXXX. I can't get a real person on the phone to process my application as anyone on any forums says that is what step I need to take ( not offered online ). When I call and provide my social security the automatic message isn't ( even today ) updated like my online account is. But I need to speak with someone to get my XXXX application processed. I've done all the steps on my end. How can they randomly charge me double what my payment should be? It is not the payment per XXXX. How can they not have anyone answering the phone? On XXXX I asked for a call back Vs waiting the 60 min hold. I got a call back after 1 hour, when I answered no one said anything. The line was mute. No second attempt by them even was made. It is maddening! 

To be clear, my XXXX application still says processing on my account. How long is too long??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a college student urgently reporting the closure of my Bank of America ( BOA ) account in XX/XX/, with no clear reason provided. Despite three months of review, the representative mentioned that BOA closed my case and sent out all the checks. However, the reality is that the majority of my funds are still under review. 
This discrepancy raises concerns about misinformation from customer service. I kindly request your intervention to expedite the return of my funds and address the misleading information provided, as it has added to my financial distress.

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 2024-01-09 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: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
My realtor got me in contact with XXXX XXXX from XXXX XXXX XXXX as I was looking into what I could get financed for or what the XXXX purchase price of a home would be under my name. Not once on the initial phone call I had with XXXX did she say she would be doing a hard pull on my credit to look into my details. I had assumed it would be a soft pull, but then I got a notification on my phone that it was a hard pull while I was talking to her. 
At the time I felt like I had to work with her since my credit was already pulled and affected by this. So I worked with XXXX to get her the documents she had requested as well. 
Several weeks go by and she had not gotten back to me. I emailed her on XX/XX/XXXX asking clarifying questions and she got back to me on XX/XX/XXXX stating she was ill and had helped family out but would get back to me the next business day, however she never did. 
Almost 3 weeks later I email her back to close out my application and remove the hard pull on my credit as I was not going to be conducting further business with them. 
Their Compliance XXXX XXXX XXXX stated that they would not remove the hard pull as they feel it was the correct thing to do. 
I do not agree with this, as I was just looking for preliminary information to start with before I would move forward with them as my mortgage company. I want this hard pull removed from my credit, XXXX ghosted me when she could've easily handed my application off to another person within her branch if she was so ill, it's not fair to have it on my credit report for 2 years before falling off.

Company response to consumer: Closed with explanation