vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: VA

Complaint narrative:
I was trying to get a new credit card, and I realized that I had damage to my credit report. According to the 15 U.S.C. 1681 law, there should be no damages on my credit report because it is a defamation of my character.

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 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a tax refund check for my amended return on a government issued US Treasury check and capital one has put over a two month hold on it to verify the funds Ive attached the email from capital one stating that they dont think the funds will clear, from the US Treasury themselves as well as my amended return transcripts stating how much I would be receiving and when. Im a single mom and I have already waited almost an entire year for this refund check and I really need the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: DE

Complaint narrative:
Dear Ombudsman, I hope this letter finds you well. I am writing to bring to your attention a matter regarding my student loans, specifically concerning the forgiveness program. I recently became aware that there might have been an oversight in the forgiveness process that resulted in only a portion of my loans being forgiven. I contacted MOHELA and they informed me it was too late and there was nothing they could do. 
I am truly grateful for the assistance I have received in the form of loan forgiveness for some of my student loans. However, I recently discovered that I could have potentially qualified for forgiveness on all of my loans had I been informed about the option to consolidate two specific loans into the ones that were forgiven. 
Unfortunately, I was not aware of the consolidation option at the time, and I believe this lack of information has led to an oversight in my case. I understand the importance of following the correct procedures to ensure eligibility for loan forgiveness, and I want to rectify any oversight that may have occurred. 
I kindly request that you investigate this matter further to determine if there was indeed an error in the processing of my loan forgiveness. If it is confirmed that the consolidation of the two loans was necessary for full forgiveness, I respectfully ask for your reconsideration and the inclusion of those loans in the forgiveness program. 
I am committed to fulfilling all requirements and ensuring that I meet the necessary criteria for loan forgiveness. I believe that had I been informed about the consolidation option, I would have taken the appropriate steps to include all eligible loans. 
I appreciate your prompt attention to this matter and look forward to your response. As you look through this information, can you please put my account into forbearance. 
Thank you for your understanding and assistance in resolving this issue. I am eager to work collaboratively to ensure that all eligible loans are considered for forgiveness. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ON OR ABOUT 3 MONTHS AGO, I SPOKE TO TRANSUNION, XXXX AND XXXX IN REGARDS TO REMOVING AN INACCURATE ACCOUNT ON MY CREDIT FILE. ALL 3 AGENCIES TOLD ME TO REACH OUT TO THE CREDITOR " XXXX XXXX '' WHICH I DID. XXXX RESPONDED TO MY DISPUTE LETTING ME KNOW THAT THE ACCOUNT DOES NOT BELONG TO THEM AND IT BELONGS TO ANOTHER COMPANY CALLED XXXX XXXX. I RELAYED THIS INFORMATION TO ALL 3 CREDIT AGENCIES AND THEY HAVE ALL RESPONDED BY TELLING ME THIS ACCOUNT IS VALID, VERIFIED OR UPDATED. THEY HAVE ALSO STATED THAT THE ACCOUNT IN DISPUTE IS " RESOLVED ''. MY QUESTION TO THE CREDIT AGENCIES IS : HOW CAN THIS MATTER BE RESOLVED IF THE ACCOUNT DOES NOT BELONG TO THE CREDITOR REPORTING IT? I WILL ATTACH A LETTER REQUESTING VALIDATION, PROOF OF OWNERSHIP, AND A LETTER FROM THE CREDITOR THAT IS REPORTING STATING THAT THE ACCOUNT DOES NOT BELONG TO THEM.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ON OR ABOUT 3 MONTHS AGO, I SPOKE TO XXXX, EQUIFAX AND XXXX IN REGARDS TO REMOVING AN INACCURATE ACCOUNT ON MY CREDIT FILE. ALL 3 AGENCIES TOLD ME TO REACH OUT TO THE CREDITOR " XXXX XXXX '' WHICH I DID. XXXX RESPONDED TO MY DISPUTE LETTING ME KNOW THAT THE ACCOUNT DOES NOT BELONG TO THEM AND IT BELONGS TO ANOTHER COMPANY CALLED XXXX XXXX. I RELAYED THIS INFORMATION TO ALL 3 CREDIT AGENCIES AND THEY HAVE ALL RESPONDED BY TELLING ME THIS ACCOUNT IS VALID, VERIFIED OR UPDATED. THEY HAVE ALSO STATED THAT THE ACCOUNT IN DISPUTE IS " RESOLVED ''. MY QUESTION TO THE CREDIT AGENCIES IS : HOW CAN THIS MATTER BE RESOLVED IF THE ACCOUNT DOES NOT BELONG TO THE CREDITOR REPORTING IT? I WILL ATTACH A LETTER REQUESTING VALIDATION, PROOF OF OWNERSHIP, AND A LETTER FROM THE CREDITOR THAT IS REPORTING STATING THAT THE ACCOUNT DOES NOT BELONG TO THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please review the attached documents. I request the bureau to commence an investigation into these accounts, as I have never been late, yet they are erroneously reporting me as such.

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 2023-12-19 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: CA

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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX 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 : 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 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 2023-12-19 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: CA

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 XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX, Account name : XXXX 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 : 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 2023-12-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The inquiries below does not belong to me I am a victim of identity thief Under 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 terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances 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 copy in demanding the deletion of the accounts listed IMMEDIATELYI

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The inquiries below does not belong to me I am a victim of identity thief Under 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 terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances 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 copy in demanding the deletion of the accounts listed IMMEDIATELYI

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 2023-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Type of Issue : Payment Pending with PayPal XX/XX/XXXX : We received email notification from PayPal stating, " You received a {$130.00} USD payment for your invoice '' from our customer. Relying on what PayPal told us, we shipped products to our customer at the address provided in PayPal 's email. The customer received the products by mail and is happy with them.

At no time did PayPal ever send us any email revealing that they had placed the {$130.00} in funds on hold. We discovered this by chance a month later when looking through old invoices, and discovered PayPal had changed the status to " payment pending '' without ever emailing to tell us that PayPal 's XX/XX/XXXX email was incorrect. 

We contacted PayPal, who told us more information is needed by the customer to complete the transaction ( PayPal refused to tell us what information is missing ).

Our customer said he provided all of the necessary extra information to PayPal. However, PayPal refuses to release funds it holding, or give a courtesy credit to our account ( we have done over {$70000.00} in other transctions with PayPal this year alone, with zero problems ).

PayPal employee " XXXX '' ( employee # XXXX ) told us today ( XX/XX/XXXX ) that we had somehow " misunderstood '' PayPal 's email stating that " You received a {$130.00} USD payment ''. XXXX claimed " you received a payment '' doesn't actually mean what it says. XXXX said PayPal would continue to hold our money until the customer gives them more information ( and again, PayPal won't tell us what information is missing ). 

XXXX also said PayPal doesn't need to send any follow up emails correcting their prior false email which we relied upon, since if we dig through the back end data in our PayPal account we can find that information. Bottom line : PayPal is keeping our money and thinks it did nothing wrong by emailing us that we had " received a payment '' and NOT ever taking any steps to notify us that the payment has been placed on hold prior to us shipping the products to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am specifically requesting a tax statement or written confirmation that the debt associated with this XXXX XXXX XXXX. account # XXXX has been written off. Additionally, I would like to receive any supporting documentation related to the charge-off, including the official date of the charge-off and details about the subsequent resolution and reporting. BUT FAIL TO DUE SO. Please provide the requested information through the credit reporting agency 's secure online portal. If there are any specific forms or procedures required to process this request, kindly provide guidance on how I can complete the necessary steps. I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue. If there are any fees associated with obtaining this information, please inform me in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion refuses to remove XXXX XXXX XXXX. account from my credit report despite XXXX dismissing a debt collection lawsuit if filed against me and XXXX having no intentions of collecting this alleged debt. As previously stated, XXXX dismissed the lawsuit if filed against me and is subject to O.C.G.A. 9-11-41 in the event of any refiling which it has been almost two years since the original filing, so I don't believe there are any intentions of refiling. XXXX failed to respond to my discovery request made pursuant to O.C.G.A 9-11-33 ( a ) ( 2 ), 9-11-34 ( b ) ( 2 ), and 9-11-36 ( a ) ( 2 ) and that would have to be addressed in the event of any refiling of the lawsuit. XXXX is also subject to O.C.G.A. 9-11-36. XXXX failed to respond to the request for admission therefore the matter is admitted pursuant to O.C.G.A. 9-11-36 ( b ) unless the court, on motion, permits withdrawal or amendment of the admission. XXXX 's failure to respond to the discovery request would have to be addressed in the event of any refiling of the same lawsuit. If XXXX refiles the lawsuit and dismisses it again it would serve as an adjudication upon the merits ( which is the same as a dismissal with prejudice ) and XXXX would be barred by law from filing any additional claims against me pursuant to O.C.G.A. 9-11-41a ( 3 ). XXXX is only continuing to report this account on my credit report for the purposes of and with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit and or to have to pay a higher interest rate or receive a lower credit limit if extended a line of credit and some righteous obligation to report this account to the credit bureaus. TransUnion has an obligation to investigate and remove this account from my credit report because XXXX can not continue to use the courts to harass me and file and dismiss lawsuits.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX called me, not on a number listed on my card or the website, to let me know that my account was past due. I hadn't received any letters regarding this and let the representative who called me know that I was going to be making a payment on a specific date. When I went to make the payment, a few days later my credit report was updated with a late payment notification.This all occurred in XXXX and XXXX. 


I also asked for a late payment of discovery card to be removed as the same incident happened with them, again with noprevious history. They referred me to the credit card company who then referred me back to the credit reporting agency. It was just running in circles endlessly.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS IS NOT A DUPLICATE!!! Additional information has been provided!!!! I have requested to have an inquiry removed from Transunion. They are trying to educate me on how long inquiries remain on an account, I dont need education on inquiries, I need the inquiry removed. XXXX XXXX has informed them per letter, I have informed them, XXXX has requested the removal and Transunion is still not complying. This is an application I didnt request per the letter on the investigation shows this and they are adamant about leaving this inquiry on my credit report. Why? They took the unauthorized card information off, why leave the inquiry. It makes no sense enclosed is the letter from synchrony.

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 2023-12-19 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: 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  XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX 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 : 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