vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
In short, we purchased XXXX pieces from XXXX through a PayPal purchase. The second piece was not done correctly and the shop agreed to refund the payment. 

When he processed the refund, he did it incorrectly and sent it as though I was the business and he was the customer. It was over {$600.00} so it is showing as a taxable transaction and showed a fee associated. We both submitted claims and have tried working with PayPal to reverse the charge as it was done incorrectly and was a mistake. Nothing has worked. 

Now it is showing that the refund is being held and requires my tax ID but I am not a business. We even tried submitting it a different way and it actually took out another {$650.00} from my account instead of replacing it! We have finally reversed the second charge so there is just the original outstanding charge that should be cancelled so that the seller can submit it properly. 

The business and myself agree that this was done as a mistake or incorrectly. It needs to be reversed so that he can process it the right way but so far as have been told by PayPal they can't reverse or cancel any transactions which isn't right. I shouldn't be penalized as a business when I am the consumer only trying to receive the money the business owes me back. 

Please assist with how we can reverse the charge and ensure that I am not showing as a taxable transaction. Thank you for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated : XXXX XXXX The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I did not receive any notice about this account. I'm not aware of this past due balance or even if it's mine to begin with. This company placed the account on my credit report without notice or verification. I do not have any past due accounts either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: AL

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
BSI financial has decided to retaliate against me for the complaints I have submitted. In XXXX I submitted my payment, apparently their was an increase in my payment due to property tax increase so they placed my payment on hold and did not post to my account and caused it to look like a 30 day late for XXXX. In XXXX the following month my house was sold and loan was paid off in XXXX, they continued to report a 30 day late for XXXX. I have attempted to resolve with them and the reps hang up on me or say no supervisor is available. I also was told a dispute was submitted but its all lies. I need help please. It seems as though they have decided to retaliate against me. I was previously in forbearance years ago due to XXXX. My dads wife died of XXXX and then he was sick and I had to care for him for over a year until he was better. I had no choice I had to quit my job to take care of him. I dont understand why this company has treated me like this. This is so unfair. They got their money I am done I dont owe them anything. Look at all my previous complaints through CFPB and other people saying the same things. I cant find a home to rent because they ruin my score recently. Please help us. BSI told me I had to sell my house or I was going to lose my house. I did as they told me. Now I dont have a house or apartment because my score has been damaged by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: LA

Complaint narrative:
See Prior Complaint # XXXX, filed XX/XX/2024, that was closed but is still unresolved. GoodLeap responded on XX/XX/XXXX that a small number of Loans were " affected by a systematic error '' and 'a representative will be in contact with you until resolved " I have never received verbal communication only a canned email. I have called and left messages to contact me, attempting to have this corrected before my account was drafted for the incorrect amount again. I have received no calls or follow up. On XX/XX/XXXX my account was again drafted the incorrect amount. I placed more phone calls and sent emails and have received no further communication. On XX/XX/XXXX I received notification of the amount of the upcoming draft for XX/XX/XXXX, and again GoodLeap is showing that they will again draft the incorrect amount. I have called numerous times and requested to speak to XXXX XXXX, compliance escalation specialist and XXXX XXXX, XXXXXXXX XXXX representative. I have left messages with the call center representatives to have both contact me, as I have been told repeatedly that they can not transfer me to anyone. My only option is to email them. I have done this repeatedly. On XX/XX/XXXX they will again draft the incorrect amount for the XXXX time. I have been attempting to have GoodLeap correct these drafting errors since XXXX  when I was notified of the incorrect draft amount. As a Customer, I should not have to wait several months while Goodleap figures out how to correct their systematic computer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV FINXACT CORE
State: LA

Complaint narrative:
I tried to cancel XXXX XXXX several times thru the bank. Each time they gave me another phone # to call & each time I was rerouted several times & on hold for multiple hours. 
I closed my business account & thought this would close the merchant services. 
I received a collection letter for {$170.00}. It was {$27.00} for XXXX XXXX XXXX  {$150.00} for the collection company. 
I never used their service.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to be clear that this complaint is not a mistake or sent in error. My credit report has some information that are false and not the maximum possible accuracy. This inaccurate information is causing me undue stress and it's affecting both my life and credit score negatively.

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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: UT

Complaint narrative:
My account was with XXXX XXXX. My original limit was XXXX dollars and my balance was XXXX. However, over time, they lowered the amount to XXXX, however, my balance was still XXXX. XXXX XXXX continued to charge the minimum amount until I lowered the amount to XXXX ( roughly XXXX ). I missed a payment in XX/XX/XXXX, and XXXX required that I pay both XXXX and XXXX payments by XX/XX/XXXX, for a total of XXXX. 

In between that month, my loan was sold to First National Bank of Omaha. They were requiring me to pay the full amount of XXXX by XX/XX/XXXX, instead of the XXXX. I had little to now warning and didn't even know that my account had been sold, only that when I went online I couldn't pay the bill. I went to my email and found a statement from XXXX, saying I had a balance with them. I called to report it as identify theft on XX/XX/XXXX, and that was when I was notified my account had been sold to them. 

I was finally able to pay the XXXX on XX/XX/XXXX, but am unable to pay the full XXXX by XX/XX/XXXX. Initially I wasn't even able to pay the XXXX, because I didn't have the account number, couldn't sign up online to pay, and had no idea my account had been transferred. I still don't have the card number. They have agreed to mail it to me, but I have yet to receive it. 

I would like to be given an extension until XX/XX/XXXX to pay the additional XXXX along with information about the new balance that would be due XX/XX/XXXX. I don't think I should have to pay late fees or take a hit on my credit report, with so little warning and no consideration of the historical context. This practice of requiring the full amount without notice, feels unfair, deceptive, and abusive.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
To my understanding, the banks are in the business or purchasing securities, thats it. At law it is very clear that I issued a security, namely a promissary note which the bank has already purchased. What the bank is doing is very different than what it presents to the public that it's doing. The bank purchased MY promissary note and told me they would transfer it to my account with them. However, I am aware no money is transferred at all, rather deposited. Which inturn, the deposit is merely the banks record of it's debt to the public and it also owes money to myself. 

Please refer to 15 USC 1691 & 12 CFR1002 15 USC 1691 ( ECOA ) and 12 CFR 1002 ( Regulation B ) work together to promote fair and equitable access to credit by prohibiting discriminatory practices and ensuring transparency and accountability in credit transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: FL

Complaint narrative:
In accordance with the fair credit reporting bank XXXX act account # XXXX, has vioted my rights 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 funish a account without my written instructions

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : 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 2024-06-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : 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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Someone tried to open a Chase credit card using my information, prior to XX/XX/XXXX. 
Chase denied the application and sent me a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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 am a victim of identity theft please remove this fraud inquiry from my credit report

Company response to consumer: Closed with explanation