vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX and XXXX all report my student loans twice. They report the balances as late when the student loans have been XXXX completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with Student Aid Commission. 

Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. 

Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken.

All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge.

All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and Transunion reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the XXXX student loans with no balances... I owe less than $ XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX  ... .on the same day as I applied for the medical credit. So is my score XXXX XXXX or XXXX? Or should it be higher because I have very little debt.

Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt.

All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MN

Complaint narrative:
I started receiving collection calls and letters in the mail from a company called Sequium  Asset Solutions , LLC. I told them I wasn't responsible for the debt and what I needed to do. I have sent in bills with my name and address, property tax statements, driver 's license, police report, utility and phone bills, etc. showing that I live in MN and did not set up home internet and cable in Georgia  at this time. They will not stop sending me letters in the mail and calling me. Everytime I talk to them, they tell me that they are going to take care of it so I don't get contacted anymore and they see the previous notes in their system, but it is never ending. It has now been 6 months of harassment and I can't get them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX IN : XXXX, XXXX XXXX : XXXX, XXXX  : XXXX,, has violated 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 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing in regards to discrepancies I have found on my credit report. I am requesting are-investigation be conducted for the following accounts : Account Name : XXXX Account Number : XXXX Inaccuracy : reporting a balance while reporting as charged-off every month, different balance updated dates, reporting different balances Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX : reporting a balance while reporting as charged-off every month, different balance updated dates Account Name : XXXX XXXX XXXX 
Account XXXX : XXXX Inaccuracy : reporting a balance while reporting as charged-off every month, different balance updated dates, no note that the debt has been disputed By law, all charge-offs are obligated to report with a XXXX balance, if the balance does not say XXXX than that constitutes as inaccurate reporting. These accounts are also reporting a charge off balance each month creating the false representation that the accounts have active payment history which re-ages the debt, forcing it to stay on my report longer, which is illegal. As you are aware, the IRS identifies a charge off as gross or ordinary income as the company has cancelled the debt and written it off as a loss. By law, these companies were supposed to send me a XXXX099c in the mail to file during tax season and failed to do so, not only are they committing tax fraud, they are violating numerous Federal laws of which you are complicit to. Income does not get reported on a consumer report. These accounts have not been properly verified and are being reported inaccurately. Please delete these accounts for inaccurate reporting. I believe this may be an error because these accounts do not belong to me. Please verify and permanently delete these accounts immediately for failing to comply with the FCRA.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC
State: WA

Complaint narrative:
Allied sent me a letter saying I owed {$130.00} but would take less.for an old XXXX  XXXX that was closed and payed off.but they offered a low amount so i called them And said If you take it off credit report I would pay it. They said yes ok!!! I have a witness that was on other line to verify this.I called them and they said they would take care of it.and desputed with XXXX 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX all report my student loans twice. They report the balances as late when the student loans have been XXXX completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with XXXX XXXX XXXX. 

Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. 

Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. 

All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. 

All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and XXXX reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the XXXX student loans with no balances... I owe less than XXXX XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the medical credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. 

Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. 

All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX, XXXX and Experian all report my student loans twice. They report the balances as late when the student loans have been XXXX completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with XXXX XXXX XXXX. 

Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. 

Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. 

All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. 

All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and XXXX reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the XXXX student loans with no balances... I owe less than XXXX XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the medical credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. 

Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. 

All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
This is a follow up on my complaint that you've cloised XX/XX/XXXX. My issues weren't addressed well. I am asking you for your help to have XXXX ( Original Creditor : XXXX XXXX XXXX  with an account number XXXX, date opened XX/XX/XXXX with balance of XXXX. 

The law is very clear as to the civil liability and the remedy available to me for negligent non compliance section 617 if you fail to comply/ I am litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA 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 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
As I already explained in my previous complaint on XX/XX/2023, I have been trying to reach Bank of New York but could not pass the recorded messages. I requested to call back but no one called back. 
In my previous complaint also I requested Bank of New York to give me email address or address to send financial documents and phone number for further communication. Response from Bank of New York does not include requested information. Bank of New York wants me to send financial documents but is not providing the address or email to send. How can I proceed with my case? 
My bank in XXXX XXXX XXXX  XXXX XXXX sent two drafts in my name to Bank of New York which I was not aware of it and I never claimed my money. My money is sitting with bank of New York which I want to claim now. Please help me to connect with Bank of New York. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to formally lodge a complaint and appeal against the permanent limitation imposed on my PayPal account. I believe this limitation has been placed in error, and I would like to request a thorough investigation into my case and the reinstatement of my account, if deemed appropriate. 

Firstly, I wish to emphasize that I have not violated any of PayPal 's policies. I have been a long-standing user of PayPal services XXXX and I have consistently adhered to all terms and conditions set forth by PayPal. I have always strived to maintain a strong and honest relationship with PayPal, utilizing its platform for various personal and business transactions. 

Given the aforementioned points, I am confident that this limitation is a result of an oversight or misunderstanding. It is disheartening to encounter such an issue, especially considering my commitment to abiding by PayPal 's policies and fostering a trustworthy relationship with the company. I kindly request your reconsideration and a fair examination of my account activity. 

I kindly urge PayPal to conduct a comprehensive re-evaluation of my account and its associated transactions. I am confident that upon thorough scrutiny, it will become apparent that there has been no violation or wrongdoing on my part. I sincerely believe in the integrity of PayPal 's systems and trust that a re-investigation will lead to a just resolution. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly request that any future correspondence regarding this matter be directed to this email address for prompt attention. 

I understand that PayPal has a duty to maintain the security and integrity of its platform, and I fully appreciate the measures in place to protect all users. However, I firmly believe that in my case, an error has occurred, leading to the unjust permanent limitation of my account. I trust in PayPal 's commitment to fairness and request your utmost attention to this matter. 

In conclusion, I respectfully appeal to PayPal to re-evaluate my case, consider the absence of any policy violations, and reinstate my PayPal account, allowing me to continue benefiting from the convenience and reliability that PayPal offers. I am confident that a review of my account activity will affirm my innocence and restore my account to good standing. 

Thank you for your attention to this matter, and I eagerly await your prompt response and resolution. 

Yours faithfully, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I was invited to make a balance transfer about 10 months ago that would accrue 0 % interests, which I did. 

I was again invited to make another balance transfer 2 months ago. I checked about previous one, and was told payments would be allocated evenly across both balances. 

With last month 's ( XX/XX/01 ) payment, I saw that the balances weren't decreasing accordingly, but most recent balance was decreasing before older balance. 

I contacted the XXXX XXXX  and was read a long " payment goes to here, then that, then the other '' dissertation, yet they ask for a small minimum payment, which clearly would not meet the necessary timeline to pay the transferred balance in full, but they allocate any monies maid in excess as they see fit.. 

When I asked whether the 2nd balance transfer was just an entrapment to keep me from clearing that first balance, and thus achieve the 0 % interest charge, more blah, blah, blah, blah, blah. Basically saying that the entire balance must be paid in order for the1st balance transfer not accrue interests. 

This seems as entrapment to keep me from capitalizing on the 0 % interest original offer. 

I made a request to allow me to pay off the 1st balance transfer in full, yet it remains " under review ''.

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