vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
There is inaccurate information on my credit report. This company has not resolved the complaint and therefore are not in compliance with the FCRA laws

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and I have a few concerns Based on : 15 U.S. Code 1681 3 ( a ) ( b ) ( c ) Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; XXXX XXXX Original creditor : XXXX XXXX XXXX Account number:XXXX Date opened : XX/XX/XXXX Account type : Collection XXXX. XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
Account number XXXX Date opened : XX/XX/XXXX Account type : Collection Please delete these items as soon as possible! 
Also XXXX has stated that they dont have any information furnished to my credit report and if this is the case then these are not my accounts. 

XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXXDEPT OF ED Account number:XXXX XXXX XXXX Account number : XXXX XXXX I need more clarity as the reports with the three credit bureaus does not make sense.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and I have a few concerns Based on : 15 U.S. Code 1681 3 ( a ) ( b ) ( c ) Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number:XXXX Date opened : XX/XX/XXXX Account type : Collection XXXX. XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
Account number XXXX Date opened : XX/XX/XXXX Account type : Collection Please delete these items as soon as possible! 
Also XXXX has stated that they dont have any information furnished to my credit report and if this is the case then these are not my accounts. 

XXXXXXXX XXXX  XXXX Account number XXXX XXXX Account number XXXX XXXX/DEPT OF ED Account number:XXXX balanceXXXX XXXXXXXX Account number : XXXX XXXX I need more clarity as the reports with the three credit bureaus does not make sense.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-06-26 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:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 was not given my written instructions XXXX XXXX account number is XXXX .... 

transunions states balance is {$3100.00} XXXX  states balance is {$0.00} XXXX states balance is {$3100.00} date opened transunion states XX/XX/2017 inaccurate XXXX states XX/XX/201XXXX XXXX  states XX/XX/2017

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 2022-06-26 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:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 was not given my written instructions XXXX XXXX account number is XXXX .... 

XXXX states balance is {$3100.00} XXXX states balance is {$0.00} equifax states balance is {$3100.00} date opened XXXX states XX/XX/2017 inaccurate XXXX states XX/XX/2017 equifax states XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 i did not give any written instructions XXXX XXXX XXXX  account number is XXXX ..... 

XXXX states account balance is {$3500.00} experian states balance is {$3500.00} XXXX  states balance is {$0.00} date opened XXXX states XX/XX/2017 inaccurate experian states XX/XX/2017 XXXX  states XX/XX/2017

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 2022-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I sent out a validation letter to validate the information and there was nothing sent for me to validate. I was never given the initial investigation on this matter to even dispute it in the first place. I have nothing in writing to validate that this alleged debt belongs to me.

In pursuant to UCC 3-302 I am requesting the original security signed by me providing you the right to collect on this account. Until you provide me this information you are to cease and desist all communication and collection activities including credit reporting and criminal activity with the postal system unless it is dealing with any request I have made. Also, XXXX out the balance to XXXX dollars leaving me with no responsibility for the alleged debt. 

If nothing is done within 15 days I will proceed with this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
For weeks I have repeatedly attempted to contact Macy 's Customer Services via online chats, emails, fax, phone calls and registered letters in order to prove that I paid them the due amount ON TIME. Provided them copies of documents which show that the full amount was paid, debited electronically from my XXXX XXXX XXXX checking account on XX/XX/22. To no avail. As of today no action/response/acknowledgement from Macy's/CitiXXXX XXXX XXXX Bank came XXXX All I have been receiving are online alerts and Statements with penalties. 
This is affecting my credit rating as well.

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 2022-06-26 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:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 i did not give any written instructions XXXXXXXX XXXX XXXX account number is XXXX ..... 

transunion states account balance is {$3500.00} XXXX  states balance is {$3500.00} transunion states balance is {$0.00} date opened transunion states XX/XX/2017 inaccurate XXXX states XX/XX/2017 XXXX  states XX/XX/2017

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 2022-06-26 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:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 i did not give any written instructions XXXXXXXX XXXX XXXX account number is XXXX ..... 

XXXX states account balance is {$3500.00} XXXX states balance is {$3500.00} XXXX states balance is {$0.00} date opened XXXX states XX/XX/2017 inaccurate XXXX states XX/XX/2017 equifax states XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I opened an account with Venmo. Shortly after I linked my personal checking account and made a transfer to the Venmo account. While my transfer was pending, Venmo sent a promotion to me to get {$5.00} into the account so I could use it. I completed the steps for the promotion and the money was deposited. Shortly after my transfer came in. The same day of my transfer, I receive an email stating I violated their user agreement. The email also requested my identification to prove I was me. I requested the company respond back to me with an explanation of how I violated the user agreement since I only have the deposits in my account. No other transactions. A couple days later, I demanded a response on the accusation they have made against me. They still failed to respond. I demanded again a response and advised I was filing consumer complaints against them with multiple agencies. Meanwhile, my Venmo account shows all my identity documents have been verified. I tried to withdraw the money but was not able to. I even tried to just take the money I transferred and was not able to. So I am filing a complaint with your agency to help me resolve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-26 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report. 

I submitted a Complaint ( XXXX ), for Improper use of your report, account came back as verified by TRANSUNION. 
Account : XXXX XXXX XXXX Account # XXXX. 

The Credit bureaus stated my account had been properly investigated but how is this possible if the " date opened '', " date reported '', and " date of last activity '' is inaccurate. This ground for removal and they also violate my rights under 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 an account without my written instruction.

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 2022-06-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: AR

Complaint narrative:
My husband XXXX XXXX XXXX XXXX daughter works for U.S.Bank & now she works for XXXX XXXX a computer company. She took out a student loan in his name we received a copy in XXXX he is disable from birth with XXXX XXXX he Can Not read & can only write very little. In XX/XX/XXXX we hired XXXX XXXX XXXX XXXX they showed us where & how she's been able to pull off this Identity Theft on her Dad, they went back to XXXX she got credit at XXXX XXXX & all the U.S.Bank positive accounts were done by her. She's a notary too, XXXX caught her signing his assets over to herself. We have contacted U.S.Bank over & over for years. They foreclosed on us for a mortgage we didn't do auction date XX/XX/XXXX then again XX/XX/XXXX, XXXX again on XX/XX/XXXX & now number XXXX XX/XX/XXXX. We stopped all six with documents they didn't think we had without a XXXX. We filed an Identity Theft Report with the FTC. In XX/XX/XXXX a lifelong friend found online three checking accounts in my husband s name we knew nothing about, they went to U.S.Bank closed that one they didn't give them any paperwork they went to XXXX XXXX & closed a joint checking account thy asked them how could she open a joint checking account without him being there they said that they didn't know they gave them no statements either, my husband & I closed the last one thge next day at XXXXXXXX XXXX XXXX XXXX XXXXXXXX they gave us some of the statements. On the cancelled checks the one in the middle is where she printed his name as XXXX then she sign his name he wasn't there & didn't give her consent & her & her ex husband bankrupt in XXXX with our property. On the fraudulent document stating he had sold XXXX  XXXX acres the seal is over the writing on the first page & we have 2 witnesses that was there when she sign his name it wasn't in XXXX as she stated it was done in XXXX. U.S.Bank in XXXXXXXX XXXX sold XXXX acres on XX/XX/XXXX the first auction date was XXXX you ALL ... XXXX XXXX XXXX XXXX XXXX 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 2022-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Was encouraged by loan servicer, Nelnet, to enter into a spousal consolidation loan in XXXX. In XXXX the PSLF program was created, and while I have worked for a qualifying employer for the past 17 years, my loans are not eligible for PSLF because my ex-spouse does not qualify and there is no mechanism to de-consolidate our joint loans into direct loans that would allow me to qualify for the program. I have spent years getting inaccurate and inconsistent information about my eligibility and how to access the program. I have now paid significantly more than my original loan balance and can not get any of what should be qualifying payments applied to PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The public record of XXXX XXXX  Bankruptcy Reference Number : XXXX from the United States XXXX XXXX XXXX XXXX Minnesota Bankruptcy XXXX in XXXX, Minnesota listed on my Trans Union, XXXX and XXXX credit report, is not my public record. Trans Union, XXXX and XXXX states they got the public record information from XXXX XXXX Risk Solutions. XXXX XXXX Risk Solutions sent me documentation informing me that I dont have a bankruptcy record contained in my XXXX XXXX XXXX file and that they did not verify a bankruptcy record with Trans Union XXXX XXXX or XXXX XXXX The public record information is not my public record or account.

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 2022-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal refuses to help or acknowledge me for an issue I have regarding an unfair limitation I was given. They will not respond to me and have completely ignored me. About 2 weeks ago my house was burglarized while I was staying with a family member and everything I owned was stolen including my personal information and electronics ( i.e. SSN, Birth Certificate, Taxes, Phones, etc. ) I came home in the early morning of XX/XX/XXXX when I discovered that my house was robbed. I quickly began canceling cards, closing bank accounts and anything related to online cashing, and changing all my personal information. I finally had gotten around to contacting paypal later that same morning. I had no phone at this point in time because it was also part of the stolen items so the only way I was able to get in contact with them was through an old laptop the burglars letf in my garage. The first thing I asked was if they could close my account immediately to stop any fraudulent activity on it if that hadn't already happened. The first response I got directed me to reset my password which I promptly did. After I realized he wouldn't be helping me any further I decided to close the account myself. When I tried to though it said I needed to contact support again, which I reluctantly did. I was asked to show pictures of what the problem was, so I asked to use my coworkers phone and sent pictures of what it said to the support agent. He then responded in a lengthy copy and paste message about breaking tos. After that I was completely ghosted and no one eould respond to me. When I called I was met with the same copy and paste paragraph. All I wanted was to close my account because it had been compromised and I didn't want any personal information left in the account. After doing some research I found that many people had gone through this same exact issue with PayPal unfairly limiting their accounts with no stated reasoning other than breaking tos which led me here. They have still refused contact with me even though I am owed some kind of knowledge of what happened. This is completely fraudulent and this is not the first time things like this has happened. Apparently many others had their accounts revoked to and their money taken out their own account for paypal to keep. In this case I'm not even asking for much from them just a support system which doesn't copy and paste their responses and gor them to close the account which criminals have access to which means they have my bank info cards and ssn still. This is the Reference ID : XXXX My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: MO

Complaint narrative:
SOME FRAUDULENT ACCOUNTS WERE ON MY CREDIT REPORT BUT INQUIRES NEVER GOT REMOVED. XXXX BANK XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX US SM BUS ADMIN ODA

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The public record of XXXX  XXXX Bankruptcy Reference Number : XXXX from the United States XXXX XXXX XXXX XXXX Minnesota Bankruptcy XXXX in XXXX, Minnesota listed on my XXXX XXXX, XXXX and Equifax credit report, is not my public record. XXXX XXXX, XXXX and Equifax states they got the public record information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  sent me documentation informing me that I dont have a bankruptcy record contained in my XXXX XXXX XXXX file and that they did not verify a bankruptcy record with XXXX XXXX XXXX XXXX or Equifax XXXX The public record information is not my public record or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The public record of XXXX XXXX Bankruptcy Reference Number : XXXX from the United States XXXX XXXX XXXX XXXX Minnesota Bankruptcy Court in XXXX, Minnesota listed on my XXXX XXXX, Experian and XXXX credit report, is not my public record. XXXX XXXX, Experian and XXXX states they got the public record information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me documentation informing me that I dont have a bankruptcy record contained in my XXXX XXXX XXXX file and that they did not verify a bankruptcy record with XXXX XXXX XXXX Experian or XXXX XXXX The public record information is not my public record or account.

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