vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the alleged debt associated with. I have reason to believe this claim is invalid, as my personal identifying information was compromised in a recent data breach. I did not authorize any credit transaction or account associated with this alleged debt.

Pursuant to Section 604 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), any use of my consumer report must meet the criteria for permissible purposes. This includes valid written instructions from me or a legitimate credit transaction involving my authorization. Neither condition applies in this case.

Please cease collection activities and provide evidence substantiating this claim. Failure to provide verification will result in a request to all consumer reporting agencies to delete this erroneous information from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NC

Complaint narrative:
This will be my fourth or fifth complaint with this company. Every issue I bring up its we are unable to help you at this time. But when my account was inaccurate on their part it was an easy fix. I have reached out to both the CFPB and the XXXX  multiple times. This is the only service provider that refuses to remove the late payments from my credit after giving them information about why I was unable to make my payments on time. 

As mentioned in my previous complaint, on XX/XX/2024 I suffered a XXXX  which landed me in the hospital for XXXX days. After XXXX surgeries, I was okay to go home but would be out of work for the next XXXX weeks. My mental, physical and emotional health took such a hit that I contemplated XXXX XXXX XXXX XXXX Once I went back to work I was put on a modified work schedule. I knew I would need another XXXX in a few months. Fast forward to XX/XX/2024 I underwent my XXXX XXXX and was out of work for XXXX weeks ( I had to go back early for financial reasons ). 

I am not asking for forgiveness but to remove all late payments from all XXXX of my loans so that I can refinance and have an easier monthly payment. The last information I was given was that Firstmark Services is not the same thing as Firstmark Services Trust ( which I find hard to believe ). All information searched doesnt display that there is even a trust. 

( There is also a medical journal article about my surgery that I am willing to share with corporate and any other medical information needed. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year> at XXXX XXXXM my phone was stolen. At XXXX XXXX, I noticed that an unauthorized Venmo payment of {$640.00} to XXXX XXXX ( Venmo XXXXXXXX XXXX XXXX XXXX, Transaction ID : XXXX ) had taken place, which was only possible through his access to my stolen phone. I immediately froze my bank account and called a Venmo representative, who I instructed to freeze my Venmo account. I then initiated Venmo 's payment dispute process. I thought that this would be a fairly open-and-shut case given the stolen phone, the unusually large sum for the one time payment, and the fact that I had never made a payment to this account before. 

Much to my surprise, the following day Venmo itself covered the {$640.00} transaction on my behalf and is now holding me responsible for the payment. Furthermore, they later denied my dispute because their internal investigation somehow concluded that the transaction " is consistent with your payment history. '' I am deeply concerned with how Venmo has handled my unauthorized transaction. Because of this terrible experience I will no longer be using this app and will also encourage my friends and family to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Complaint Regarding Unauthorized Hold on Pre-Authorization Funds Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against Capital One regarding an unauthorized hold on pre-authorization funds that has not been released back to my account, despite numerous attempts to resolve the matter directly with the bank.

I have reached out to Capital One on several occasions regarding this issue. My last correspondence with them was on XX/XX/XXXX, when I requested the release of the pre-authorization hold and the return of the funds to my account. The pre-authorization funds in question were held by Capital One for a rental from XXXX XXXX XXXX totaling {$1200.00}. Capital One returned {$200.00} to my card but has yet to release the remaining {$1000.00}. 

Despite contacting XXXX, who confirmed that they had requested on XX/XX/year> the release of the pre-authorization funds and provided a pre-authorization code XXXX, Capital One has not acknowledged or processed the release. I have repeatedly asked Capital One to verify the validity of the pre-authorization code and to release the hold on my funds, but they continue to deny having any records of such a hold on my account. 

I have provided Capital One with copies of all receipts from XXXX, showing the pre-authorization transactions from XX/XX/XXXX to XX/XX/XXXX, totaling {$1200.00}. Each week, XXXX would collect the rental fee and place it in a temporary account until the vehicle was returned. Upon returning the vehicle, XXXX billed me the final rental total of {$1000.00}. 

Despite providing all necessary documentation and repeated requests for the release of the pre-authorization funds, Capital One has failed to release the hold and return the funds to my account. I am seeking your assistance in resolving this matter and ensuring that Capital One complies with their obligations regarding pre-authorization holds. 
Capital One keep confusing the credit that was place on my account for dispute issue that I thought I was being charged double billed by XXXX be along Capital One never released the temporary hold from the pre authorization fund. 

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

Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: WI

Complaint narrative:
On numerous of occasions, I have spoken with a rep and told them the details of when I will pay, or I have made a payment, and they continuous contact me. They would call while I am at work and have harassed me even after I told them I was out of work due to health reason ( XXXX ) and was giving them my last even if I did not have money for myself and my kids to eat. On XX/XX/XXXX, I was contacted by XXXX, a representative of the company, I told him I made a payment on XX/XX/XXXX and would need time to pay since I have been out of work and just started my current job. He confirmed and we disconnected the call. On XX/XX/XXXX, XXXX called again after I specifically told them all the details. The company has harassed me for years and has made my life XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: MI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have had a credit card for over 30 years with no issues and excellent credit. Capital One emailed me that my bank account had insufficient funds to pay for my credit card debt on XX/XX/XXXX. The same minute I received their email, I injected the funds required to pay for the credit card. I immediately called them and they told me I should wait for the system which is set on auto pay, to get the auto payment processed again. I waited two days and this was not happening, I ended up submitting the payment manually online. Because of this " wait '', the bank charged me : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ), charged me XXXX ( XX/XX/XXXX ), refunded me XXXX ( XX/XX/XXXX ), refunded XXXX ( XX/XX/XXXX ), and charged me XXXX ( XX/XX/XXXX ). I called them at least XXXX times since XX/XX/XXXX and asked them to check their recordings where they gave me INCORRECT instructions, the reason why I waited and ended up getting interest charges that should have never been issued. I have called them at least XXXX times, and every time they say they will correct they do not correct. This morning I spent XXXX with multiple representatives passing the ball to the next and not resolving the issue. They owe me XXXX and they need to credit me back for that amount. The last person said she would not be able to refund me what they owe me because the system does not allow her. They need to correct their mistake and refund me my money. 
Also, their system showed different information in XXXX and now in XXXX, I hope the amount they owe me remains the same next month I check it. I am taking snapshots this time. 
Thank you for your attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KS

Complaint narrative:
On XX/XX/year>, I received a letter from Mohela stating " On XX/XX/year>, a federal court issued a stay preventing the Department of Education ( ED ) from operating the Saving on a Valuable Education ( SAVE ) Plan. As a result of this ruling, ED has directed MOHELA to put your account into a forbearance ... While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' Then, on XX/XX/year>, I received a letter from Mohela stating, " In an effort to keep you updated on your federal loan ( s ), we have enclosed details about your loan ( s ), including the accrued interest, interest rate, and interest, totaling {$580.00}. I had continued to pay on my student loans during XXXX forbearance and was tracking that my accrued interest should be {$0.00}. On XX/XX/year> at XXXXXXXX XXXX, I called Mohela and spoke with a rep named XXXX. She informed me that letter was sent in error. I asked if there would be an updated letter and she informed me she would have to see.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It is appalling that you have ignored my repeated requests to correct accounts on my credit report that are in litigation and not properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
There are several accounts listed on my credit report that I believe are a result of identity theft which i clearly stated last month. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

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 2024-12-04 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: NY

Complaint narrative:
There are several accounts listed on my credit report that I believe are a result of identity theft which i clearly stated last month. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

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 2024-12-04 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: WV

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-12-04 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: WV

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT This is now my THIRD time mailing you about some unverifiable items on my credit report. To recap what I have done so far : I have contacted the creditors directly ( multiple times ), and all have failed to provided ANY form of verification, authorization, or proof of permissible purpose I have contacted XXXX multiple times informing you of this, and you have failed to verify these inquiries. 

Since neither XXXX or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible permission. If you fail to do so, I will be lodging a complaint with the Consumer Financial Protection Bureau and detailing your neglect regarding this very serious issue. Please remove the following inquiries from my credit report immediately :

Company response to consumer: Closed with non-monetary relief