vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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! Auto loan from. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$22000.00} Reported balance Highest balance You've paid off XXXX % of this loan {$23000.00} OVERVIEW Highest balance Monthly payment Opened Term Account Details {$23000.00} {$0.00} XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX  months ( XXXX  years ) PAYMENT HISTORY Last payment Payment status Worst payment status XX/XX/XXXX No Info ACCOUNT DETAILS Account status Type Responsibility Remarks Open Auto loan Individual Charged off as bad debt Dispute resolved; reported by XXXX XXXX XX/XX/XXXX days late XXXX This account show in all XXXX major credit report agencies XXXX. XXXX. EQUIFAX. please have this account removed and updated immediately thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I received an email on XX/XX/23 from my previous student loan lender, Great Lakes, informing me that they were merging with Nelnet. In this email I was also advised that the transfer would begin on XX/XX/23. On XX/XX/23 I received an email from Nelnet informing me that my information had been successfully transferred to Nelnet from Great Lakes and I could set up my account. I did set up an account through Nelnet and was very disappointed to see that they had not added any of my previous payment document to my account. I sent them an email right away requesting they send me that information. I did not receive an email back until XX/XX/23 and it was very impersonal automated response : Thank you for your email. We apologize for not responding sooner. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). If youve already contacted us by a different means and/or resolved your issue, please disregard. Otherwise, we believe that one of these options may be the best way to find what you need : where you can view your loan details, apply for repayment assistance, and more. 
For answers to common questions, check out our FAQs page. 
For information about all aspects of federal student aid, please visit XXXX. 

Im a former Great Lakes borrower and looking for my payment history. How do I get it? Were in the process of obtaining payment histories from Great Lakes and making them available to view through your XXXX account in the coming weeks. Please look for new documents to appear in your Inbox once your payment history is available. 

After I received this email I have been patiently waiting for those documents to appear on my Nelnet Account. I am not pleased that student loan payments have resumed and I still dont have this information. I looked at my account today XX/XX/23 and my account actually stated that my loans should be available if I opened my inbox on my account and after following their directions and only seeing the history from this past months statement I preceded to email them again stating that I had not received any of my past payment history and that if I didnt in the next 30 days I would be opening a lawsuit against them. That is why I am filing this complaint. They are withholding information that I am entitled to have full access to and it is simply unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LDF Holdings, LLC
State: KY

Complaint narrative:
I took a loan from Lendumo on XX/XX/2023 but the money did not arrive until XX/XX/2023, at which time I immediately repaid the loan, however, the company insists on me paying interest for 2 days that I did not have the money. In the loan agreement it states that I being accruing interest on the disbursement date, and that in some circumstances the funds are not deposited as expected, and in that case the " disbursement date '' will be automatically adjusted in the system when the funds are disbursed. I have repaid the {$2500.00} but was still charged {$84.00} in interest that I refuse to pay. 

I suspect they are doing this to many unfortunate consumers, collecting XXXX XXXX XXXX from struggling families across the nation. They are telling me if I refuse to pay this illegally generated interest that I will never be able to borrow money from them again. So if you refuse to abide by their fraudulent scheme you're penalized. 

This organization needs to be investigated, and consumers made aware that they could be paying interest that they do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Someone use my bank account and sent out {$5000.00} by zelle XXXX through about XXXX transactions. But i was in sleep at that time. XXXX declined my claim and they said it was approved by face ID. So i guess it might be someone hacked my phone or pc If What XXXX said is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting.

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 16921 XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX  Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it 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 explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This is now in my credit report. It is from an online loan from XXXX XXXX  which I did not do myself. Someone else took this loan out from this particular bank. Is its been sent over to National Credit Adjusters who are trying to collect this money. I have talked to them and discussed to them that I didnt take this loan out. They then told me to go to this website and put in a fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023, I erroneously made a {$3500.00} payment to my Capitol One account. I requested a check for the overpayment of {$3100.00}. My account was frozen a few days later. Capitol One requested a copy of my bank statement, which I found strange. My account is still frozen. Why do I have to provide Capitol One with my personal bank statement?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30 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: IL

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: FC HoldCo LLC
State: LA

Complaint narrative:
I pulled my credit report and noticed some inquires that I did not authorize. On my XXXX report, there were the following inquiries that I did not authorize flagship credit aceptan, and XXXX XXXX XXXX XXXX. This showed it was done on XX/XX/2023. 
On my XXXX report, I show the following inquiries ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX again, and XXXX XXXX  on XX/XX/2023. I did not authorize these. On my XXXX report, I show the following inquires were done on XX/XX/2023 that I did not authorize : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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! Auto loan from. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$22000.00} Reported balance Highest balance You've paid off XXXX % of this loan {$23000.00} OVERVIEW Highest balance Monthly payment Opened Term Account Details {$23000.00} {$0.00} XX/XX/XXXX ( XXXX yrs, XXXX mos ) 72 months ( 6 years ) PAYMENT HISTORY Last payment Payment status Worst payment status XX/XX/XXXX No Info ACCOUNT DETAILS Account status Type Responsibility Remarks Open Auto loan Individual Charged off as bad debt Dispute resolved; reported by XXXX XXXX XX/XX/XXXX days late XXXX This account show in all XXXX major credit report agencies XXXX. XXXX. XXXX. please have this account removed and updated immediately thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
A fraudulent capitalone account was opened in my name inXX/XX/2022 acct # XXXX the contact information phone number adress none of it belong to me I disputed with the credit bureau and the creditor capital one I filed a police report identity theft report sent this information certified mail to prove this crime took place I then called to check on the progress of having it removed from my account spoke to 4 people before being told they were not going to remove it from my credit report when I have submitted everything required by the federal law and Fair Credit Reporting Act capital one still refuses to remove this item they are in violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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:
I took a look on my credit report and these inquiries unauthorized and fraudulently reporting on my credit report ( XXXX XX/XX/XXXXXXXX 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 2023-10-30 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:
I took a look on my credit report and these inquiries unauthorized and fraudulently reporting on my credit report ( XXXXXXXX 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 2023-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT SYSTEM. IN COMPLAINT NATIONAL CREDIT SYSTEM states that this account has been charged off. I have never given NATIONAL CREDIT SYSTEM any permission to share any of my identifying information with this non-affiliated third-party ( XXXX XXXX XXXX XXXX XXXX ). I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the definition of a charge off, pursuant to 7 CFR 1956.54, is " The writing off of a debt and termination of collection activity without release of personal liability. 'XXXX XXXX XXXX stated that " we are obligated to report true and accurate information to the credit reporting agencies. '' This is false information. Nowhere in the FCRA does it state that they're required to report negative information to my consumer report. Being that I don't owe NATIONAL CREDIT SYSTEM ANYTHING I have reason to believe that NATIONAL CREDIT SYSTEM is choosing to share this non-public negative information to my consumer report with fore thought and malice as an attempt to bring harm to me and my financial reputation. I am demanding that this account is to be removed from my consumer report along with any negative information that is attached to this account. 

I DEMAND THIS ACCOUNT TO BE UPDATED TO PAID AS AGREED OR REMOVED FROM MY CONSUMER REPORTS OR I'LL BE FILING FOR LITIGATION AND DEMANDING {$1000.00} PER VIOLATION. 

XXXX XXXX XXXX - account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Google gets updated credit card numbers from bank without my authoriization. 

I changed my credit card number and kept the same bank. 
My bank sent Google my new numbers without my authorization. 
I charge {$25.00} a year for my Google domain name. Google no longer owns my domain because they sold it to XXXX so there is no need for them to have my credit card number. 
I tried to remove my credit card from Google and it will not let me. Although there is no reason for them to have my credit card since I am not buying anything, they will not let me remove it. I need to give them another credit card to replace it if I want it removed. 

1. I have never had any credit card automatically updated by a bank after changing it. I always need to go in and add my new card to the business to continue auto pay. I thought this was illegal. 

2. Google is not allowing me to remove my credit card from their business when I owe them no money. I thought this was also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have one business credit card ( XXXX ) through Truist for my small business, XXXX XXXX XXXX, XXXX. My business checking is also with Truist. In XX/XX/2023, a second credit card appeared on my online accounting. The balance due mirrors the balance due on my Truist XXXX credit card, but Truist is showing that the total amount owed to them is double that XXXX balance amount. For example, I owe {$100.00} on my Truist XXXX card. Online accounting shows this, but also shows a second credit card with a {$100.00} balance as well. My Truists online banking accounting says I have {$200.00} in loans/credit. Truist has been very difficult to contact. I waited 52 minutes to speak with someone on the phone and had to hang up because I had a meeting. I waited 41 minutes a second time on the phone and the Truist employee said the second credit card is simply how Truist handles their accounting. That was the only explanation given. I went to my local branch and waited 15 minutes to speak to someone. The teller said she had no idea why there was a second credit card on my account. I requested a phone call meeting with Truist today ( XX/XX/23) and although I received email confirmation about the call, no one called me. I finally left work early and met with Truist employees in person at my local branch this afternoon ( XX/XX/23 ). After they contacted costumer service, I was told Truist has a glitch in its system. Thats their word. They offered no additional insight other than I wont be charged interest for the doubled amount due, told not to worry, and encouraged to be cautious when I make payments online that I pay the correct card. I have no reassurance other than one persons word. She did not understand nor could she explain the disparity. The two credit card accounts do not match : one is in my name, one is in my businesss name and yet they have different credit limits. I have been trying to get an explanation and remedy now for 2 months. I have lost confidence in this bank. I do not suspect fraud, but should I? I definitely suspect incompetence. I suppose I will just have to watch closely that Im not hit with interest/fees for double the amount owed. I only have one business credit card, but Truists accounting shows two, with the same charge amount, and can not explain why or correct their error.

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