vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: AL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding inaccurate account reporting by XXXX related to my loans. The account numbers in question are : - XXXX - XXXX - XXXX - XXXX The loan agreement clearly states, You may prepay the unpaid balance at any time without penalty and maXXXX be entitled to receive a refund of unearned charges in accordance with law. However, XXXX has reported these accounts in a manner that contradicts this provision. 

Furthermore, the agreement specifies XXXX XXXX agreements or commitments to loan money, extend credit, or to forbear from enforcing repayment of a debt, including promises to extend or renew such debt, are not enforceable. To protect you ( borrower ) and XXXX XXXX from misunderstanding or disappointment, any agreements XXXX XXXX  and you reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between XXXX XXXX and you, except as we may later agree in writing to modify.There has been no follow up addressing that these terms had changed or agreement to a change of terms. 

I have attempted to resolve this issue directly with XXXX but have not received a satisfactory response. As a result, I am seeking your assistance in addressing this matter and ensuring that my credit report accurately reflects the terms of the loan agreement. 

Thank you for your attention to this issue. I look forward to your response.

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 2024-10-31 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: CO

Complaint narrative:
On XX/XX/XXXX my Capital One card was used for a purchase on XXXX website for the amount of {$94.00}. The item arrived broken and the package was returned to XXXX for a refund via XXXX. However, XXXX lost the package for nearly a year. The package was eventually located and returned to XXXXXXXX XXXX XXXX XXXX. I previously filed a chargeback but the case was denied due to sufficient evidence. When I discovered that the package had been returned to XXXX I reached out to Capital One again and provided the proof that the package had been returned. That proof is attached to this complaint. Capital One sent me a letter back that says, in part, it lacks all of the previously requested information needed to validate your dispute. This letter is dated XX/XX/XXXX despite being received on XX/XX/XXXX. This means that Capital One didnt review the proof that the package was returned. The case number for this complaint is XXXX and the last four of my account number is XXXX. I need someone to review the attached proof of return and credit my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: AZ

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, personal credit card account opened at Capital XXXX opened on XX/XX/XXXX Personal Credit card account opened at XXXX XXXX opened on XX/XX/XXXX, an auto loan account opened at XXXX opened XXXX XX/XX/XXXX under the account number XXXX, personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX Cred XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, Medical account opened at Synerprise account opened on XX/XX/XXXX account number XXXX, Property Management account XXXX at Management Supp opened on XX/XX/XXXX account number XXXX, and Public Record XXXX XXXX Chapter XXXX Bankruptcy opened on XX/XX/XXXX account number XXXX. These hard inquiries XXXX XXXX XXXX, and Arizona XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-31 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: AZ

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, personal credit card account opened at Capital XXXX opened on XX/XX/XXXX Personal Credit card account opened at XXXX XXXX opened on XX/XX/XXXX, an auto loan account opened at XXXX opened XXXX XX/XX/XXXX under the account number XXXX, personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX Cred XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, Medical account opened at Synerprise account opened on XX/XX/XXXX account number XXXX, Property Management account XXXX at Management Supp opened on XX/XX/XXXX account number XXXX, and Public Record XXXX XXXX Chapter XXXX Bankruptcy opened on XX/XX/XXXX account number XXXX. These hard inquiries XXXX XXXX XXXX, and Arizona XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-31 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: WA

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

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 2024-10-31 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: WA

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My problem at this point is with Bank of America. 

I was charged {$7000.00} from the time from of XX/XX/XXXX to XX/XX/XXXX. The posting times differ from the dates they were made but they were made between the XXXX and XXXX of XXXX. 

My phone was stolen and stupidly I had all of my passwords written in my notes app so whoever took it was able to not only access all of my apps but also use my card attached to XXXX XXXX. I filed a dispute with Bank of America originally I believe on XXXX the XXXX. I then reached out to XXXX of the merchant ( XXXX ) via phone they told me there was nothing that could be done because the safeguarding of account information is not their responsibility. On XXXX the XXXX Bank of America denied the claim. I immediately called provided detailed information that my phone was stolen with all of my information I had to change my information for all of my accounts I got charged separately on my XXXX account and my credit card as well. They took all of this information and resubmitted the claim. Bank of America then reopened the claim and told me a reopened claim will take XXXX days to complete compared to the usual XXXX that was on XXXX the XXXX I have contacted them multiple times and they have stated they are waiting for the merchant ( XXXX  ) to send the relevant information showing I was the one who made the transactions. I finally called today being the XXXX days is almost up and the response was the same the merchant still has not provided the information almost a month later. They then stated it could take up to another XXXX  days for the investigation. Its ridiculous at this point I wasnt provided a credit which i understand but its a lot of money to be out and its going on XXXX months.

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 2024-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: NM

Complaint narrative:
Vehicle was a lemon. The dealership nor the west lake would not help to get my vehicle back on the road so I surrendered the vehicle in doing so I still see the loan on my credit. There wasnt even XXXX miles on the vehicle when I tried to turn it in.

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 2024-10-31 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: TN

Complaint narrative:
This complaint is regarding PayPal. I use them to safely make online purchases with other retailers. I store several different payment methods ( i.e. bank accounts, credit cards as well as PayPal credit options ) withthem. 

I purchased XXXX separate purchases with XXXX on Saturday, XX/XX/XXXX using PayPal. After choosing PayPal as my payor, a window pops up giving you options. 

1 ) I was given the ability to change my payment method from my previous choice.

2 ) I chose PayPal credit ( I have a viable credit line with them that is good standing ), and hit " submit ''.

3 ) The transaction is approved using the PayPal credit.

4 ) However, instead of using PayPal credit as requested, PayPal chose to use a credit card that no longer exists since it was the last one used at XXXX. 
5 ) That credit card was declined and the transactions defaulted to a bank account that I don't maintain a balance.

6 ) I was charged two ( XXXX ), separate {$35.00} NSF fees for those transactions. 
7 ) PayPal refused to reverse those bank transactions and use the PayPal credit as requested AND PayPal is refusing to reimburse me for the XXXX NSF fees. 

I feel that PayPal should have either... 

1 ) Not provided an option for me to change my payment method -OR- 2 ) Declined the transaction using the PayPal credit -OR- 3 ) Informed me that they were going to use the credit cared that was cancelled so that I could let them know to cancel the XXXX transactions. 

Please assist me in getting my NSF fees reimbursed AND inform PayPal of the need to be upfront with transactions like this in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco Popular lied and hided information on their response to the CFPB complain # XXXX. 

On their response, Banco Popular stated that " There were no previous records of claims or call recordings identified. '' That is a lie. 

On the XX/XX/year> card statement there is evidence of the late payment reversal. Banco Popular on purpose left that evidence out on their response. 

Banco Popular reversed the late payment fee BECAUSE I presented a complaint. That is a fact. In no other way a late payment fee is reversed. 

During my complaint, Banco Popular promised to not report the disputed late payment ; the very same one successfully resolved in my favor. 

So, the Bank wrongfully reported a late payment even after resolving on my favor the dispute. Banco Popular is inaccurately reporting a delayed payment that was disputed, and officially confirmed on the XX/XX/year> statement, resolved on my favor, but still reported to the credit bureaus. 

This is simply wrong. 

Banco Popular needs to behave honorably, and just like the dispute of the late charge was all reversed, remove the mark on my report on all credit bureaus so that both actions are accurate. 

Not doing so, is an inaccurate reporting and that is against the applicable laws and regulations and further actions will be pursue when the times comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I divorced XXXX XXXX XXXX XX/XX/year>. He was granted the residence at XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, AZ XXXX, and I quit claimed title to him. 
XXXX took an option to have deferred payments during COVID which made the loan go into default. 
He claims to now be current with the mortgage. 
I am upset because it continually drags MY credit score down. 
I have remarried and have Stellar credit for the past 22 years.

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 2024-10-31 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: EQUIFAX, 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.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-31 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: DC

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation