vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 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: MD

Complaint narrative:
The following inaccuracies have been identified in my credit report : Duplication of Account Details : Transunion has incorrectly duplicated the account details of my XXXX XXXX  account onto my XXXX student loan account. This erroneous duplication has led to my XXXX student loan being inaccurately classified as a mortgage account. This misclassification has had adverse effects on my credit profile. 

Incorrect Delinquency Label : Due to the aforementioned duplication of account details, Transunion has incorrectly labeled my XXXX student loan as having been delinquent at some point in its history. I would like to emphasize that my XXXX student loan has never been delinquent. It has always been current and is now closed. 

I kindly request that Transunion take immediate action to rectify these inaccuracies in my credit report. Specifically, I ask that you : Correctly update my XXXX student loan account details to reflect its accurate status as a student loan, not a mortgage account. 
Rectify the payment history details to accurately reflect that my XXXX student loan has never been late or delinquent. 
I understand the importance of accurate credit reporting, not only for my personal financial well-being but also for the credibility of credit reporting agencies like Transunion. I trust that you will promptly investigate and resolve this matter.

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 2023-12-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: Self Financial Inc.
State: IL

Complaint narrative:
I took out a " loan ' from a credit building company Self financial to rebuild my credit. Since joining them my overall credit score has went up as they have told me However My score does not reflect them as a whole. It reflects other credit building apps and credit repair I have done. Every time my credit does take a ding and goes down in points, the credit monitoring services sends me notice that it's because of the self financial products. I've attached a couple emails to show. They have to be reporting something wrong because I have paid every one of my payments on time and before it was due. I have the loan and I have a self-building credit card. It's actually our money we're putting into an account that they charge us interest for using and then they charge you money for the card? It's our money? They also have changed banks one other time during my short time with them so I'm one 's credit report it looks like you have closed out that bank and started another one and then your age of your account goes down. I also meant to pay the credit card off in full and then they applied it to the loan therefore I had to pay another full amount of the credit card to pay the credit card off It's actually self-building credit card. They would not credit me for this I'm on a fixed income that's a lot of money for someone and if they aren't on fixed income. I had to pay for their mistake. This company needs to be investigated to its fullest I have tried to communicate with upper management. I go to reply to the emails they send me and it goes to a non-monitored email so I'm unable to get an email to them. I would like my credit report to reflect my payment history with them and not this frivolous stuff that causes my credit score to go down see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: VA

Complaint narrative:
XXXX XXXX account should not be past due or anything I do not owe them anything. They actually owe me A few dollars. They report inaccurate information and then I have to pay for It by my credit score dropping tremendously.

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 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NV

Complaint narrative:
When scheduling my first payment after the federal pause, I tried to cancel the scheduled standard payment and make a custom payment that went entirely toward my highest interest loan which according to info on their website is within my legal right and wouldnt cause me to show as past due as long as the total payment matched the monthly amount due. Their website crashed several times while adjusting my payment and I was forced to log back in a minimum of five times. The website ended up withdrawing two payments from my bank account, one standard toward all loans and one adjusted to go toward only my highest interest loan. I emailed them to refund one of the payments as my budget does not accommodate double payments and they never responded. I made my second payment on my monthly due date of XX/XX/XXXX, the payment was processed successfully, but they now show my account past due which is incorrect, it should be one month ahead until they refund me. They do not respond to emails and their website is so glitchy and crashes so often requiring you to login multiple times to accomplish any action that I have no faith in their ability to execute even the bare minimum of their responsibilities in servicing my federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: IL

Complaint narrative:
My credit file was comprimised in XXXX data breech.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AL

Complaint narrative:
The utter incompetence, irresponsibility, and unaccountability shown in handling complaints by absolutely choosing to ignore my previous letters sent earlier in 2023. 
They ought to have analyzed and distinguished thereafter between what XXXX be normal activity and that which might suggest an illegal enterprise. This is an ethical standard of industry practice that plays a substantial role in preventing criminals from liquidating and laundering the public 's funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
I transferred funds from my personal bank account into this US-regulated crypto exchange, GEMINI, no problem for that. Then, I bought Bitcoin on their platform, no problem either. 

Then, I asked to withdraw my BTC, and the platform doesn't allow me to do so. I tried several times, from computer and phone 's app. 

On XX/XX/2023, I sent their support an email. Initially I got an answer saying " I am working with my team to resolve your issue. I will be sure to follow up as soon as I have the next steps '' ( From XXXX ). 

That was very first and last email. Never got back to me, although I sent more follow up messages in the next weeks. 

Finally on XX/XX/XXXX I got an answe from another representative, this time XXXX. He said basically the same XXXX said a month earlier. Now, it took 3 more weeks for his next response. 

On his last email, XXXX basically said to me that I can't withdraw the bitcoin I bought on their platform, but I can sell it and withdraw the XXXX. 
My simple and humble question : WHY? 
Why I can put money into their platform and buy crypto without any problem and then I can't withdraw? 
Why they promise on their platform that I can buy crypto and withdraw as soon as my money is confirmed, which happened in a matter of couple of days, and then it's all a lie? I can't withdraw my crypto.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account with Citibank, using a check I got from a job settlement from my lawyer. Two days later my account was closed for fraud and suspicion. The company explained that the check I have is invalid. My lawyer is telling me it works fine.

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 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am currently on XXXX XXXX XXXX ( XXXX ) and requested through XXXX a Bank of America debit card for faster payment. On the XXXX state website it states you can request an emergency wire transfer if you are waiting to receive your card and already got payment by contacting customer service. I called XX/XX/XXXX and requested a wire transfer since I have not received the card. The customer service representative said she could not do that because I have to receive the card first, activate it, then I can receive my money. I asked her if she can provide that policy because that is not what it says on the state website. I called again on XX/XX/XXXX and was told the same thing. I asked for a supervisor this time and asked them to provide a copy of that policy. I asked him to view the XXXX XXXX website because that is not what it says. He then said he will do it. He asked what ID I was going to use at XXXX XXXX to pick up the cash. I told him military ID. He then asked for the ID number and I asked him if he needed the XXXX number on the card or the health benefits number. He then questioned if it was a VA health card and I told him no. I informed him I was a 100 % XXXX veteran and was issued a XXXX military ID card. He then stated it was not an acceptable government ID and the only acceptable military ID they can take is XXXX XXXX. I asked him where it says that on the XXXX XXXX website, Bank of America website, and XXXX XXXX website and he could not find it stating that. I asked for their policy on government military ID card and he could not provide it as well. I told him I would waive all rights and liability if XXXX XXXX does not accept my ID because he stated it would take 30-45 days to receive money if XXXX XXXX does not accept my ID and holds the funds. He said he can only release {$300.00} out of {$1900.00}. I was on the phone with him for an hour and he said that is the best I can do. I explained to him I was on a military base earlier in the day and my XXXX issued ID card was accepted at which point he insisted that I have to be XXXX XXXX. He then said the {$300.00} is all I can receive to take or wait for my debit card in the mail. That payment he would not release caused hardship and emotional distress. I felt discriminated based on the fact I told him I was a XXXX veteran.

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 2023-12-06 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: VA

Complaint narrative:
This credit card is reporting inaccurately. 

XXXX says that the last payment was made on XX/XX/2023. I reported that this information is inaccurate and they verified it as accurate as of XX/XX/2023. 

XXXX reports date of last payment as XX/XX/2023, i reported that this information is inaccurate and they have validated it as accurate as of XX/XX/2023. 

Experian is reporting that {$0.00} was paid on XX/XX/2023 as of XX/XX/2023. 

Experian shows that the account was XXXX pays due in XXXX of 2023 but also shows a payment of {$220.00} on XXXX XXXX. 

XXXX shows a payment of {$220.00} being made on XX/XX/2023 and XXXX does not show a date for the month of XXXX. 

Even though there are numerous inaccuracies, all of the agencies have reproted this account being accurate when I contacted them regarding the discrepancies.

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a Quick Silver Capital One credit card that was opened after being marketed to and told that this card is international friendly. I have been having issues completing purchases online as their system does not successfully send me the XXXX codes, which were previously XXXX after a prior complaint. Other reputable systems allow for a phone call to receive, however their reps have been rude and dismissive, most recently on XX/XX/2023, when i called to let them know about the reoccurence of the issue ( which seems to occur after paying my bill in full or over the amount ) After informing an agent in the fraud protection dept that i was overseas and as such the XXXX was a bit much given that I could not be expected to have access to my local number at all times, he transferred me to an unrelated dept. I also informed every agent i spoke to of how this issue was previously resolved, they refused to assist. I finally spoke with a supervisor in Fraud protection who also refused to assist.

I am alone internationally and had it not been for some local currency cushion which is not meant to be spent in this way, i would have been unable to eat. 
Please note also, that there are only XXXX types of charges on this card on an ongoing basis. Food delivery and XXXX. There was no reason to flag my account. 
Logs of my calls can be found in their system on XX/XX/XXXX, XXXX and XX/XX/2023. 
The first 2 times my issue was resolved and my transactions required no XXXX untill i over paid my bill on the XXXX of XXXX, resuming the issue. 
I smell an analyst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I first noticed the debt was added to my credit on XX/XX/2022. I then tried to reach out to the company but they wouldnt provide me with any information they informed me that the account was already given to a collection agency and I would have to reach out to them for any additional concerns I may have. I informed them several times that the account wasnt mine and I never occupied the unit I even requested a copy of the lease and any information they may have given them but I was again denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: VA

Complaint narrative:
I have several PLUS loans. I requested that all the loans be under the same type of repayment plan. In other words, a request to change some of the loans from the standard repayment plan to the extended payment plan. This request was made on XX/XX/2023, and has not been processed yet. It is now XX/XX/2023. At the same time, they put my loans in forebearance although I didnt request it. I have made the payments to all of the loans, since repayment started in XXXX. 

Also, I it looks like they are overcharging interest on XXXX of my loans. They are as follows : principal, {$15000.00}, interest accrued {$4300.00} ; principal {$16000.00}, interest accrued {$4600.00} ; principal {$12000.00}, interest accrued {$3500.00}. 

Please help me to get all my PLUS loans under the same repayment plan, Extended Repayment Plan. Also, please help me to get Mohela to correct the interest accrued on the loans identified. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NC

Complaint narrative:
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 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 I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.

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 2023-12-06 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: NC

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open 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 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 of 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