vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: VA

Complaint narrative:
I have had hard inquires on my credit report that I did not do and they refused to remove it and credit score drops XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I contacted XXXX, XXXX, and XXXX several times by phone and mail regarding incorrect information reporting on my credit report as collections. The collection companies such as LVNV Funding LLC in the amount of {$620.00} and {$610.00}, XXXX XXXX XXXX in the amount of {$2000.00}, and XXXX XXXX XXXX in the amount of {$1100.00} does not belong to me. I do not have contracts with these creditors. I have not received ant additional information from the credit bureaus showing contracts that has my name, date of birth, address, and or signature stating that I am responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My capital one 360 account got closed ending in XXXX. I had money still in my account, they send me an email promising to mail a check. 6 weeks later and I still havent receive any funds from my closing account. Please help me I have a million bills to pay. I REALLY NEED MY MONEY THAT WAS LEFT IN MY ACCOUNT BEFORE IT CLOSE. Please help me asap!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: OH

Complaint narrative:
I didn't initiated these records, and I unequivocally suspect them to be deceitful.

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX of XXXX, Bank of America approved me for a XXXX interest for 21 months card. I was never told by the bank that they were going to be charging any interest rates prior to 21 months. However, the bank imposed an interest rate that was not agreed upon or discussed with me. I took out the card because I was promised a 0 % interest rate for 21 months. In XXXX of XXXX, I submitted a complaint to CFPB. The outcome was that BOA agreed with my complaint. 

BOA has once again arbitrarily charged me an interest on my credit card, when I agreed to the refund, we agreed to extend the XXXX interest to XX/XX/XXXX. I am ready to pay whatever I owe, but only at XXXX interest rate, it seems BOA has a habit of ripping off its customers. As soon as BOA rectifies their mistake for a second time, I will resume my 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 explanation
Consumer complaint received 2024-02-26 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: 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. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inaccurat
e.

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 2024-02-26 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: OH

Complaint narrative:
I didn't initiated these records, and I unequivocally suspect them to be deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had accidentally made a double payment on my Lowes credit card and when I contacted customer service they only option for refunding my payment would be accepting a paper check to be mailed to me after the payment showed posted for 7 business days. My first issue is getting a paper check.. if a company is able to accept electronic payments they should be able to refund them to the same channel. They claim its more secure for a paper check but then the consumer is at risk for someone stealing mail, the post office losing the check etc.. also to some making a double payment and waiting may not be a big deal but for others it means not being able to get groceries or paying another bill that is due.. clearly on their end they see both payments posted and not returned for insufficient funds but yet I still have to wait? When I requested the paper check to be expedited then they wanted me to provide proof from my bank account that the payments both came out and also to FAX it.. again, with this day and age, nothing is done via fax and paper snail mail.. I am at a loss as to why a large credit card company can not accommodate a request to refund a double payment in a more timely effective manor in todays world. It is extremely inconvenient to the consumer when I have already held up my end of the deal by making my payment but they want to hold on to my money as long as possible. There has to be a federal regulation on how this works but was unable to locate one. Please help!

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 2024-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Hello, My credit score has decreased drastically due to late payment for my student loans. I was unaware these payments were restarting. I did make the payment that was due but I need the bad payment history removed from my report. I contacted my student loan provider they advised they aren't reporting any late payments to the credit bureau until XXXX of 2024. I would really appreciate if someone could get back to me on this matter. I have worked extremely hard to get my score over 700 .. it has not been this low in many years. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This debt popped up on my credit account today I never received notification that this debt existed or to verify by law creditor is to A debt collector must use at least one of the following ways to contact you about your debt before it sends information about the debt to a credit reporting company : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered Also, if you have received a validation notice about a debt from a debt collector, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: TX

Complaint narrative:
Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I believe this limitation is a result of a misunderstanding, as I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

Maintaining a positive and trustworthy relationship with PayPal is important to me, as I have been a dedicated user for an extended period. I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation.

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

Thank you for your consideration. I look forward to your prompt response and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I consistently ensured timely payments, so why is there an error in my credit report? I want those accounts to be accurate, updated, and reflecting on-time payments. I sincerely hope such occurrences will not repeat in the future.

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 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Greetings, upon checking my account I found Bank of America reporting to my profile, I do not own that account I am a victim of identity theft and my identity was stolen I reached out to the company and let them know that I was a victim of identity theft and my information was also leaked in the XXXX XXXX breach. I might add that the information that is reporting on the account also don't belong to me and social security on the account do not match mine I have been trying to recover from this whole ordeal and need this account removed my profile 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 explanation
Consumer complaint received 2024-02-26 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: TX

Complaint narrative:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. These accounts have a low or XXXX balance. 

Open credit card accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-26 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: CT

Complaint narrative:
I submitted an application with my local bank for a Home Equity Loan. 

They submitted a pull on my credit report. I got a call today from a phone number who claimed to be Ira from XXXX XXXX a lending broker partner of XXXX XXXX, who said he got my information from Transunion. He knew my credit score, my address, my name, my social security number, my credit cards and loans. 

He then proceeded to pressure me to try to get a mortgage with them. Stayed on the phone would not take no was very pushy. 

He sent me a text from a number to get me his business number. 

I did not tellthem to send my information to others.

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 2024-02-26 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: Imperium Lending, LLC
State: CT

Complaint narrative:
I submitted an application with my local bank for a XXXX XXXX XXXX. 

They submitted a pull on my credit report. I got a call today from a phone number who claimed to be Ira from XXXX XXXX a lending broker partner of United Mortgage, who said he got my information from XXXX. He knew my credit score, my address, my name, my social security number, my credit cards and loans. 

He then proceeded to pressure me to try to get a mortgage with them. Stayed on the phone would not take no was very pushy. 

He sent me a text from a number to get me his business number. 

I did not tellthem to send my information to others.

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 2024-02-26 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 PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe this restriction is a result of a misunderstanding, as I have always adhered to PayPal 's policies and have not engaged in any unauthorized activities. 

Maintaining a positive and trusted relationship with PayPal is paramount to me, as I have been a loyal user for an extended period. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. Should specific documents or details be required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 non-monetary relief
Consumer complaint received 2024-02-26 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: NJ

Complaint narrative:
These accounts below are fraudulent and needs to be removed immediately XXXX XXXX XXXX XXXX XXXXXXXX during 2017 Equifax had a data breach and unfortunately I was a part of it and my identity was stolen along with XXXX XXXX other people and due to that is now causing fraudulent accounts reporting on my credit report shown above that dose not belong on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: WI

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states " a consumer report agency can not furnish an account without written instructions.

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 2024-02-26 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: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
This account not mine and possibly created from someone else.. I never had an account with this company.

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 2024-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have had this loan for quite some time. And I believe President Biden offered a forgiveness plan. Why cant I have that plan? This loan is ruining my credit and I am asking it to be forgiven please.

Company response to consumer: Closed with explanation