vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 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: FL

Complaint narrative:
This company XXXX has incorrupt information on my credit report. They said I did a settlement thats a lie I paid in full they keep going back-and-forth with me saying Ive never paid it. I have now got a lawyer they said that they were going to remove the XXXX dollar one that they Maliciously reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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

Complaint narrative:
This complaint is referred to Provider : Paypal Account email : XXXX My company name : XXXX XXXX XXXX Phone : XXXX The business account was suspended without any explanation and frozen money for 180 days. Those funds are extremely important for small growing businesses to operate and survive. 

From our side, we meet all required expectations to run a business with Paypal. We sell physical goods, and - all our shipments were on time according to our shipping policy- we have a low return rate- we have a low dispute rate- we have all the necessary documents to sell our products So, what should we do to have an opportunity to sell our products?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX XXXX Date of Inquiry XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX  XXXX Date of Inquiry XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXX/XX/2023, XXXX XXXXXXXX Date of Inquiry XX/XX/2023 & XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I filed bankruptcy in 2013 and its still on my credit report I need it off there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I set up bill past with Bank of America for a number of my accounts, I deposit the money to cover each bill. Soon after my creditors started calling asking for payments. One of the biggest creditors stated that they received no money ( or check ). I described the amount and date of the payment they were suppose to receive -They stated they did not received the payment. 

The amount of money which the merchant was suppose to receive f {$100.00} was never returned to my checking account. I asked Banko of America what happened to the payment money Since the merchant was not paid the {$100.00} should have goone back to my account. 

I was told by Bank Of America Reps that the money was never taken from my account?? My amount has steadily gone down. The same thing happened with another of my creditors for {$39.00}. I called to confirm that they had gotten paid. They stated that they had not when the account in my bill pay was showing it was paid. 

I had set up about 7 accounts for payment only 5 got paid. I want Bank of America to find and replace the {$140.00} - ( {$100.00} payment & a {$39.00} ) - which was not paid as well- taken from my bank totaling {$140.00} These are not all the issues I have had with this bank, MY small business account had been swarmed with over draft charges, More than once causing me to close it. 

1 would like my monies replaced immediately. or I will be forced to take legal action. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Attended XXXX University, formerly XXXX College, which was a private for-profit university in XXXX, Tennessee. It closed in XX/XX/2014 due to Bankruptcy. Federal Aid had already disbursed to the University prior to shutting their doors. Have tried every imaginable way to recuperate the Student Aide balance already paid out that was never returned. 

With Student Loan Forbearance now ending it would be a great financial stress relief to use the Federal Aide never returned to pay down my Student Loan Balance. 

FASFA portal will also support claim and give exact dates and amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: GA

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
Consumer complaint received 2024-01-21 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: DE

Complaint narrative:
I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed you of my right to exercise your nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank fraud my account and overdrawn my checking account by {$19000.00}. This happened on XX/XX/year>. 


Since then I was trying to reach customer service, Chase bank branch, executive office but all attempts to fix the issue was invein. I would like to let public know how Chase customer service handle people concerns. I cant use the money I owned because Chase system was down during this transaction for some reasons. 

I have emailed executives office and I filed complain case number XXXX. 
I will send a different emails showing my complaint to Chase multiple times contains images to prove that I have tried all my options. 

I would like my voice to be heard please. If this was other way around I would be in jail since I owe money to the bank but they owe me and I cant use my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: FL

Complaint narrative:
I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this letter, regarding the dispute of certaininformati on in my credit fi le. I am specifically addressing the fraudulent informati on listed below as a victi m of identity theft ; SeeFraudulent Collection Summary in my letter attached. 
I want to emphasize that I did not authorize anyone to use my name or personal informati on to obtain money, credit, loans, goods, orservices menti oned in this report. 
I did not receive any benefits, funds, goods, or services associated with the events described in the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: MD

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Credit Card closed my account on XXXX because I did not update my data, and when I contacted them, they informed me that they had sent me an email on XXXX. 
I informed them that I thought the email was a scam and that is why I did not contact them, knowing that no one from the company contacted me by phone or by letter, and they closed my account. I asked them to file a complaint, but they refused at first. After that, they informed me that the complaint had been filed on XX/XX/2024, number XXXX. But no one contacted me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing you this notice to update the information in my consumer report. See letter attached for my accurate personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My oldest credit card which is XXXX  XXXX XXXX XXXX card with a limit of {$80000.00} has strangely disappeared from my credit report on XXXX  the credit bureaus ( XXXX, Equifax and XXXX ) and I have contacted them individually since XXXX, XXXX  when I XXXX  noticed it and nothing has been done, I keep calling them and they say same thing XXXX  time that they see it from their end but I do not see it when I check my report and more importantly the banks and creditors do not see as well and that has affected my credit card and loan applications because my credit profile without the XXXX  XXXX XXXX XXXX card looks not good enough. I have already contacted XXXX  XXXX XXXX and they told me they report my credit to these bureaus and it is a problem from them and not XXXX. 
Also Equifax since XXXX has totally wiped out my credit history and when I check my profile every is blank and I have contacted since XX/XX/year> and nothing has been done. Kindly help me fix my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victim of identi ty theft ; SeeFraudulent Collection Account Summary below.

I want to emphasize that I did not authorize anyone to use my name or personal informati on to obtain money, credit, loans, goods, orservices menti oned in this report.

I did not receive any benefi ts, funds, goods, or services associated with the events described in the report.

Furthermore, I have no knowledge or informati on about the individual ( s ) who uti lized my personal informati on or identi fi cati ondocuments without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
This company has given me a line of credit on XXXX XXXX which initially was supposed to be a monthly payment plan in which changed after line of credit was received of the amount of XXXX dollars into a bi-weekly plan of monthly payments being twice the amount. Also if i may add ive made all payments on time according to schedule they kept charging a XXXX dollar statement fee for 2 payments a month. Now as of XX/XX/XXXX they received two payments from me. As of XX/XX/XXXX they reported on my credit as late payment and it hasn't been 90 days past due after speaking with me on further payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: VA

Complaint narrative:
This company has given me a line of credit on XXXX XXXX which initially was supposed to be a monthly payment plan in which changed after line of credit was received of the amount of XXXX dollars into a bi-weekly plan of monthly payments being twice the amount. Also if i may add ive made all payments on time according to schedule they kept charging a XXXX dollar statement fee for 2 payments a month. Now as of XX/XX/XXXX they received two payments from me. As of XX/XX/XXXX they reported on my credit as late payment and it hasn't been 90 days past due after speaking with me on further payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
This company reported a late payment on my credit report and i wasn't 90days past due i have always kept up with payments and ive tried to speak with them on this matter and the results where not successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I had signed up for a 1.99 % rate sometime last year. Received my statement/bill/summary yesterday and noticed the dollar amount of interest had gone way up. Called CITI and was told by agent that I was informed on my XX/XX/XXXX statement page 3. No it was page 4. One line among pages of lines. Offer XXXX promotional APR ended XX/XX/23. Nothing other than that. No email or text or letter saying that your promotional rate was ending. 
They make it so inconspicuous that unless you read all pages line by line they hope you will not see it. The rate went from 1.99 % to 21.9 %. 
I paid off the balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: MT

Complaint narrative:
I have filed a number of disputes with experian regarding the negative info in my credit report. I at first filed disputes say this is not my account and I don't owe these third party collections anything as I have no signed contact with them. No one has asked or supplied proof. Also the original accounts they clam I owe have been over the 7 years drop off time and they refuse to remove then info from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: DE

Complaint narrative:
I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like Equifax and XXXX to exercise fairness, impartiality, and respect for my privacy These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed you of my right to exercise your nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.

Company response to consumer: Closed with non-monetary relief