vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have tried correcting this issue but my balance is continuously being reported incorrectly. On XXXX  there was an update which says {$100000.00} which is not my balance. It previously said {$76000.00} which i have been trying to correct. Some of my loans has been discharged. The balances on both Nelnet as well as studentaid.gov says {$30000.00}. This needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Self Financial Inc.
State: KY

Complaint narrative:
Back in XXXX  I believe, I had opened an savings account with SELF credit. Where I had to make monthly payments to self and they will put it in a saving account and report it to the credit bureaus. I made every single payment on time with my saving account and it was also on a 12 month term. I recently was trying to get approved for a home loan and I discovered/ was informed that i had a recent delinquency on my report on a credit card and I didnt recognize nor know what the lender was telling/ describing to me. They then told me it was a self visa credit card and I told them I had a self saving account but no card. Was denied the home loan. I then reached to self and the number that was connected to the account on my credit report was connected to a prior employee at self that hasnt worked there in 9 years I called the number and he was telling me that. I then XXXX  selfs phone number and how to get in touch with them because I no longer had the app on phone so I had to look for their contact information. And while I was doing that I decided to redownload the app because I couldnt trust XXXX  phone number for this business. Ive let self know the issue in the apps chat and also called multiple time and informed them multiple times about this matter and was constantly telling them I do not recognize this card and I didnt authorize it I dont even physically have a self card. I recently just received a XXXX $ Check from self and I dont even know where that money comes from? Im super confused and they still havent removed this fraud off my credit report. And now I have a delinquent account on my credit report it is hurting me tremendously and I will like for it to be removed fixed and repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested that Equifax fix the errors on my report or delete the inaccuracies several times this year. Each time yielding the same result : inaccuracies remain and continuously reflected in my credit reports affecting my scores and my ability to have fair and correct information reported about me to employers and financial institutions. 

15 U.S. Code 1681 ( a ) 1 Congressional findings and statement of purpose 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. 

XXXX XXXX has been reported on my Equifax credit report twice since the first time it was disputed in XXXX of XXXX  and has remained on my report since. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I do not have 2 accounts with XXXX XXXX and should not be admonished and presented unfairly on my Equifax report because of it. This is a complete injustice and should be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing you this statement to delete the following information on my credit. The items I need deleted are listed in the report. I am a victim of identity thief. I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!

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 2023-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have recently reviewed my credit report and noticed that there were a few companies reporting that I have no knowledge of.I have not given written consent to XXXX XXXX XXXX XXXX XXXX company nor have I done any business nor received any goods from this company. As a FEDERALLY PROTECTED CONSUMER, I demand that this account gets removed immediately. I also ask that my CONSUMER report gets updated immediately. I also ask that this company provides proof that I have given written consent for them to report on my CONSUMER report.Thank you.

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 2023-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal Support Team, I am writing to submit a complaint regarding the permanent limitation that was placed on my PayPal account. I strongly believe that this limitation was placed by mistake and I would like to request a re-investigation of my case in order to restore my account.

Firstly, I would like to clarify that I have not violated any PayPal policy, and I have always used my account in accordance with your terms and conditions. Therefore, I was surprised and deeply disappointed when I received notification that my account had been permanently limited.

Secondly, I have carefully reviewed all of the transactions that I have made through my PayPal account, and I am unable to identify any activity that could have triggered this action. I have always been a responsible and honest PayPal user, and I am confident that any investigation of my account will confirm this.

Given the above, I kindly request that PayPal re-investigate my case in order to correct any possible mistake that may have occurred. If my account is found to be in good standing, I respectfully request that you restore it as soon as possible. 

Lastly, I would like to confirm that the email address on my PayPal account is XXXX, and that I am available to provide any additional information or documentation that XXXX be necessary to resolve this matter. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was socially engineered by XXXX scammers and their activities on my account had my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - Needs to be removed payment plan paid in full still reflecting on my current Credit Report. 

* CheckSystems - Removal

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good day!! 
EXPERIAN It's obligated by the FCRA to report accurate accounting, consumer has advised ALL inquiries reported was fraud. said company had 4 days to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN To provide the documentation used to determine inquiry was indeed authorized by consumer EXPERIAN has 10 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an- e-oscar report. if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EXPERIAN Commission file number XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX New York XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  New York XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. EXPERIAN and securitizing commerce data yet refuse provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/ I was checking my credit report and I noticed XXXX Account XXXX XXXX. This Account does not belong to me so please delete it.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: OR

Complaint narrative:
According to my loan documents my loan amount was for {$310.00} and I was debited out of my account for over {$1800.00}. 
Email sent to XXXX on XX/XX/. 
I also can not access the online portal anymore.

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 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: MN

Complaint narrative:
Debt from our timeshare company, XXXX XXXX XXXX XXXX, was sent to Meridian to collect. We sent a cease and desist to them and they confirmed receipt of it ( confirmed by XXXX on XX/XX/2023 ), but they kept attacking our credit. We reached out to them again on XX/XX/2023 to see if a settlement option was available to stop collections and close our account with XXXX XXXX XXXX XXXXXXXX. 

At that time, we spoke with XXXX again, they informed us the settlement amount would be {$12000.00} and a letter was sent by XXXX, our account manager, confirming that amount. We followed up on XX/XX/2023 and spoke with XXXX, who informed us the lowest settlement they would offer is $ XXXXWe requested this be emailed to us and she stated it would have to be sent via postal mail since we did not lift our cease and desist and only authorized. 

Well, at no point did we lift our cease and desist ( we wanted a reasonable settlement amount before opening communication with them ), but XXXX has incessantly called XXXX and myself since. This is a violation of the cease and desist we sent, and frankly, we do not want any dealings with Meridian as they can not assist us and we never agreed to work with them. We need to resolve this matter with XXXX XXXX XXXX XXXX directly, especially if the settlement amount can not be lowered to our request of {$2500.00}.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid 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: DC

Complaint narrative:
Subject : Capital One Bank, credit card and personalchecking : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. 
Capital checking XXXX. 

Abusive conduct and Unfair practices are the issue. 

The subject bank cards and account issues are the result of several negative experiences which began in XX/XX/2023. I began my bank relationship with Capital One over 3 years ago, as a credit card customer. During this entire period I never missed a due date and mostly paid off 70 % of the monthly balances. Beginning this year I began a new business venture at XXXX XXXX, and then the problems began. On XXXX XX/XX/XXXX, I was attending business license courses at XXXX XXXX, and having lived at this location over a month, I used both cards extensively. The cards are linked to another savings account for payment. I found that the cards reached credit limit and my payment source was going to be delinquent, because of SSN payment tardiness. In order to meet my financial requirements, I had a business partner, wire a payment to Capone card XXXX, the weekend of XX/XX/XXXX. CapOne held the payment for 8-10 days, without credit and without access to the money sent. The payment was for 90 % of the balance on this card. In addition my payments for the courses, car rentals and rooms were declined repeatedly, though there was available credit for the courses at the very least. The result was a failed business trip and they gave me a negative credit report. CapOne later apologized for the treatment to my surprise. 

The second abusive conduct and unfair practices began on XX/XX/2023. Again I am traveling on business, I am running out of available credit, in anticipation of a problem and in anticipation of an automatic wire deposit, I authorized a {$250.00} payment on XX/XX/XXXX, XX/XX/XXXX, {$100.00} payment, and {$500.00} payment on XX/XX/XXXX. I made a big error in authorizing payments because of a wire transfer error. To complicate things, the auto SSN payment from another account, was agin delayed without my knowledge on XX/XX/2023. To reconcile with Capital One I immediately open. Personal checking account with a wire transfer of funds to cover the credit card balances. The amount transferred was {$3300.00}, more than enough to cover the previous amounts authorized. In addition, I authorized on XX/XX/XXXX, a XXXX credit card payment and on XX/XX/XXXX, another XXXX payment. 
To date, the credit card amount due is incorrect. See screen shot attachment. Also, again Capital One, withheld access to the wire transferred funds without explanation, though they paid themselves on XX/XX/XXXX. I was not given access to the personal checking account until XX/XX/2023. Again they gave me a negative credit report and canceled each card. To date the cards have Never been delinquent. And now my credit rating is below XXXX because of their

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have recently reviewed my credit report and noticed that there were a few companies reporting that I have no knowledge of.I have not given written consent to XXXX XXXX XXXX XXXX XXXX company nor have I done any business nor received any goods from this company. As a FEDERALLY PROTECTED CONSUMER, I demand that this account gets removed immediately. I also ask that my CONSUMER report gets updated immediately. I also ask that this company provides proof that I have given written consent for them to report on my CONSUMER report.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act Capital One Auto Finance # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose. 

Also, this account has been paid in full and hurts my credit and ability to finance in the future,

Company response to consumer: Closed with explanation