vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 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: MOHELA
State: PA

Complaint narrative:
When I first began school, I financed my education partly through personal funds and some federal aid. Initially, I had to take out a loan because I didn't receive grants, and I wasn't able to work due to my mother 's medical issues, combined with being a full-time student. I reached out to Mohela, explaining my situation and expressing concern about repaying the loans. They assured me that my loans might be forgiven, alleviating my worries. 

In XXXX, I contacted Mohela again, as my loans hadn't been forgiven yet. They claimed they had no record of my previous contact, but acknowledged my circumstances and promised to pursue forgiveness. 

Fearing further debt, I worked full-time to finance my education while juggling full-time studies and caring for my mother, who was battling XXXX. 

Furthermore, it's crucial to address the impact on my credit score. Mohela assured me that the loans wouldn't adversely affect my credit, yet they have had a significantly negative impact. Therefore, in addition to loan forgiveness, it's essential for measures to be taken to rectify the damage done to my credit rating. 

In XX/XX/XXXX, shortly before XXXX I reached out to Mohela for the third time. Despite delays in their response, they confirmed my loans were forgiven, acknowledging the challenges I faced. 

However, on XX/XX/XXXX, I received a letter demanding loan repayment, scheduled to begin next month. This poses a significant financial burden as I'm unable to afford these payments, given my current situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got a notification from credit karma that there was a hard inquiry on my account on XX/XX/year> of a captial one bank USA. This was NOT me and this is fraud! My XXXX XXXX shows that someone apply with a credit card under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: TX

Complaint narrative:
Subject : Resolution of Identity Theft-Related Derogatory Accounts on My Credit Report Dear Sir/Madam, I am writing to seek assistance in resolving the issues related to the derogatory accounts on my credit report, which are a result of identity theft. The following actions would be fair and necessary to restore my credit profile and prevent further financial harm caused by the fraudulent accounts : 1. Complete removal of the fraudulent accounts from my credit report to eliminate any negative impact on my credit score.

2. Correction of any errors or inaccuracies in the reporting of the accounts by the creditors to ensure accurate information is reflected. 
3. Issuance of a formal statement from the creditors acknowledging the fraudulent nature of the accounts and confirming their closure.

4. Assurance from the creditors that no further unauthorized accounts will be opened in my name to prevent future incidents of identity theft.

5. Reimbursement or adjustment of any fees or charges incurred as a result of the fraudulent accounts to alleviate any financial burden on me.

6. Clear communication to the credit bureaus regarding the resolution of the disputed accounts to ensure accurate reporting moving forward and to prevent any reoccurrence of similar issues. 

These actions are essential in restoring my credit profile, protecting me from further identity theft-related harm, and ensuring fair and accurate credit reporting. 

I kindly request your prompt attention to this matter and appreciate any assistance you can provide in facilitating the resolution of the identity theft-related derogatory accounts on my credit report. 

Thank you for your time and consideration. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-05-12 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: TX

Complaint narrative:
Subject : Resolution of Identity Theft-Related Derogatory Accounts on My Credit Report Dear Sir/Madam, I am writing to seek assistance in resolving the issues related to the derogatory accounts on my credit report, which are a result of identity theft. The following actions would be fair and necessary to restore my credit profile and prevent further financial harm caused by the fraudulent accounts : 1. Complete removal of the fraudulent accounts from my credit report to eliminate any negative impact on my credit score.

2. Correction of any errors or inaccuracies in the reporting of the accounts by the creditors to ensure accurate information is reflected.

3. Issuance of a formal statement from the creditors acknowledging the fraudulent nature of the accounts and confirming their closure.

4. Assurance from the creditors that no further unauthorized accounts will be opened in my name to prevent future incidents of identity theft.

5. Reimbursement or adjustment of any fees or charges incurred as a result of the fraudulent accounts to alleviate any financial burden on me.

6. Clear communication to the credit bureaus regarding the resolution of the disputed accounts to ensure accurate reporting moving forward and to prevent any reoccurrence of similar issues.

These actions are essential in restoring my credit profile, protecting me from further identity theft-related harm, and ensuring fair and accurate credit reporting.

I kindly request your prompt attention to this matter and appreciate any assistance you can provide in facilitating the resolution of the identity theft-related derogatory accounts on my credit report. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to file a formal complaint against Capital One regarding a misleading offer that I received and subsequent mishandling by their customer service department. 

On XXXX I received an email from Capital One promoting an offer where if I spent {$500.00} within three months of approval for their Quicksilver One card, I would receive a {$200.00} bonus. Excited by the prospect of earning a reward for my spending, I applied and was approved for the card. 

However, despite meeting the spending requirement within the specified timeframe, I never received the promised {$200.00} bonus. When I reached out to Capital One 's customer service to inquire about the status of the bonus, I was informed that I did not qualify for such an offer. Furthermore, I was told that there are supposedly three different card types for the Quicksilver One card, which I was unaware of and never saw any options for during the application process. 

This experience has left me feeling deceived and misled by Capital One 's marketing tactics. Not only did they fail to deliver on their advertised offer, but their customer service representatives provided conflicting information, adding to my frustration and confusion. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold Capital One accountable for their misleading practices. I request that appropriate action be taken to ensure that consumers are not subjected to similar deceptive marketing tactics in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Opened an Amex Gold card on XX/XX/year> for a Special Welcome bonus offer of XXXX Membership rewards after spending XXXX $ in 6 months + Receive 20 % cash back in statement credits during first 3 months. 

I had chatted with the customer service rep asking them after 15 days of spending on my card about the bonus points details. They denied me the offer and said it was denied and told me the reason for the denial was that I had applied for an American express gold and XXXX XXXX with XXXX or something previously. I told them that I have an email saying approved first of all. Then I have never in my life applied for either of these XXXX cards and I dont even have a XXXX account until XX/XX/XXXX. They transferrred me to the supervisor and the supervisor denied it and said the samething. They even escalated the issue for me but when I asked them about the status of the escalation, they had no answer to that and they continued saying that it was denied. I have told them again and again I clicked on the referral offer and opened the credit card and never had either of these american express card in my whole life. 

I asked them to provide me a proof where they see I have opened any of these credit cards ever. They had no answer to that. They refuse to help me any which way. I even told them that I would be filing a complaint and they did not care about it. 

I have everything in the chat history of american express online chat and they should have it too. I do not know if I should continue using the card or not as this has made me waste so much time and I am loosing out by opening a new card and it has been filed on my credit report now. This is absurd on behalf of american express. 

I asked them to provide or email me the chat transcript and they said they can not do that as they do not have the provision to send me the details. I am unable to download it but was given this no by them to check on the transcript - XXXX is the reference number for the chat transcript you had with us till date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: TX

Complaint narrative:
Subject : Resolution of Identity Theft-Related Derogatory Accounts on My Credit Report Dear Sir/Madam, I am writing to seek assistance in resolving the issues related to the derogatory accounts on my credit report, which are a result of identity theft. The following actions would be fair and necessary to restore my credit profile and prevent further financial harm caused by the fraudulent accounts : 1. Complete removal of the fraudulent accounts from my credit report to eliminate any negative impact on my credit score.

2. Correction of any errors or inaccuracies in the reporting of the accounts by the creditors to ensure accurate information is reflected.

3. Issuance of a formal statement from the creditors acknowledging the fraudulent nature of the accounts and confirming their closure.

4. Assurance from the creditors that no further unauthorized accounts will be opened in my name to prevent future incidents of identity theft.

5. Reimbursement or adjustment of any fees or charges incurred as a result of the fraudulent accounts to alleviate any financial burden on me.

6. Clear communication to the credit bureaus regarding the resolution of the disputed accounts to ensure accurate reporting moving forward and to prevent any reoccurrence of similar issues.

These actions are essential in restoring my credit profile, protecting me from further identity theft-related harm, and ensuring fair and accurate credit reporting.

I kindly request your prompt attention to this matter and appreciate any assistance you can provide in facilitating the resolution of the identity theft-related derogatory accounts on my credit report. 

Thank you for your time and consideration. 

Sincerely, 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 2024-05-12 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: PA

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account ls hurting my ability to obtain credit. it is my understanding that you will investigate these item for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-12 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: PA

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account ls hurting my ability to obtain credit. it is my understanding that you will investigate these item for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: DC

Complaint narrative:
In accordance with the Fair Credit Report act.

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number : XXXX Account name : Child SPRT Account number : XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 602 A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 XXXX  than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just recently looked at my credit report XX/XX/year>, and I saw some hard inquires that did not have permissible purpose. I also attached evidence. 

[ XXXX XXXX Date XX/XX/year> ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX Date XX/XX/year> ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2024-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
After I contacted the CFPB, PAYPAL said they were going to correct the issues.

They are still blocking payments from going through They are lying and trying to make up additional issues as reasoning on why they restricted my account.

My account was solely restricted by PayPal because my XXXX XXXX reversed a nefarious charge from a digital seller that I bought a digital product from. 
Paypal reversed 1 charge my bank said there were 2 Now PAYPAL IS BLOCKING TRANSACTIONS FOR THE PAY IN FOUR PAYMENTS. THEY HAVE THE AUDACITY TO TELL ME THAT THE PAYMENT DIDNT GO THROUGH AFTER THEY BLOCKED THE PAYMENT COMING FROM XXXX XXXX XXXX XXXX XXXX MY BANK. THEY ARE CAUSING CHAOS FOR ALL MY FUTURE PAYMENTS UTILIZING THE PAY IN FOUR FEATURE. THEY HAVE CLERKS WHO ARE OUTSOURCED THAT BARELY COMPREHEND WHATS GOING ON AND THEY BLOCK ACCESS TO MANAGMENT TO SOLVE ISSUES. U CANT GET A PERSON FROM STATESIDE WHEN REQUESTED TO SOLVE ISSUES.

PAYPAL IS MAKING UP ADDITIONAL FAKE ISSUES NOT PERTAINING TO THE ISSUETO PROVIDE AN EXPLANATION AS TO WHY THEY RESTRICTED MY ACCOUNT AND CAUSED MAJOR PAYMENT PROBLEMS.

THERE WASNT ANY SABOTAGE TO MY ACCOUNT. MY BANK REVERSED A XXXX XXXX CHARGE AND THEY ESCALATED THAT CHARGE REVERSAL AS IF IT WAS A MAJOR ACCOUNT BREECH. AFTER I SPOKE TO THE ACCOUNT EXECUTIVE, WHO WAS AMERICAN, SHE TOLD ME MY ACCOUNT WOULD BE RESTORED.

SUBSEQUENTLY I CONTINUE TO RECEIVE EMAILS AND TEXT MESSAGES OF NON PAYMENT OF BILLS DUE TO PAYPAL RESTRICTIONS ON MY BANK, XXXX XXXX XXXX XXXX. 
XXXX IS BLOCKING PAYMENTS FROM MY BANK. 
I STILL CANT BELIEVE WHAT THEY HAVE DONE. IT IS JUST UNBELIEVABLY RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: HI

Complaint narrative:
15 of the United States Code, Section 1681b, specifically addresses permissible purposes for obtaining consumer reports under the Fair Credit Reporting Act ( FCRA ). Subsections ( a ) and ( c ) outline important provisions related to accessing and using consumer credit information. Here 's a breakdown of each subsection : Subsection ( a ) of 15 USC 1681b : This subsection delineates the permissible purposes for which a consumer report may be obtained by a third party. Permissible purposes include : For use in connection with a credit transaction initiated by the consumer. 
Review or collection of an account of the consumer. 
Employment purposes, including evaluation for employment, promotion, reassignment, or retention. 
Underwriting insurance. 
Government license or benefit determination. 
Legitimate business needs in connection with a business transaction initiated by the consumer. 
Subsection ( a ) serves to establish guidelines for the lawful acquisition and utilization of consumer reports, emphasizing the importance of appropriate and authorized access to such sensitive information. 
Subsection ( c ) of 15 USC 1681b : This subsection imposes restrictions on the use of consumer reports obtained for employment purposes, specifically regarding adverse actions based on information contained within such reports. 
Before taking adverse action based on information from a consumer report obtained for employment purposes, the user must provide the consumer with : A copy of the consumer report. 
A summary of consumer rights under the FCRA. 
Notification of the adverse action to be taken. 
Subsection ( c ) aims to safeguard the rights of consumers by ensuring transparency and accountability in the employment screening process, enabling individuals to address inaccuracies or discrepancies in their consumer reports. 
In summary, Sections 1681b ( a ) and ( c ) of Title 15 delineate the permissible purposes for accessing consumer reports and impose requirements on users to adhere to legal guidelines and provide necessary disclosures to consumers, respectively. These provisions are integral to promoting fair and responsible practices in consumer credit reporting and employment screening. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Upon reviewing the report recently, I discovered discrepancies that require immediate attention and correction. These inaccuracies with your company not only tarnish my creditworthiness but also affect my financial opportunities and standing. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Citicards CBNA Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I do not reconigze this credit inquires in my credit report i have asked them to be removed. I am attachig a FTC complain to support this complain.

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