vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 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: TX

Complaint narrative:
This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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

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 2023-09-28 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: TX

Complaint narrative:
My loans are serviced through Nelnet, and I submitted a payment that should have gone through on XX/XX/23, but it finally processed XX/XX/23, with the interest still being charged on the original loan balance for those four days before the payment ( basically, I'm being charged more on interest than I should ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NH

Complaint narrative:
On XX/XX/2023 I submitted COMPLAINT ID XXXX wherein I demanded " Access to my account. Every and all bank statements mailed to my address. ". 

On XX/XX/2023 Ally Bank responded me to refer to their policy on XXXX accounts which states in section XXXX. on page XXXX and XXXX : " As the XXXX, you agree that once we have reason to believe that the minor on the account has reached the termination age under applicable law, we may, but arent obligated to, take any or all of the following actions with respect to the XXXX or XXXX account without further consent or direction from you : Limit access to the account Restrict any deposits into the account Restrict any debits, withdrawals, or transfers from the account Communicate with the former minor regarding the account, including by providing them with account and tax statements Accept instructions from the former minor regarding the account ; and Pay account funds to the former minor '' On XX/XX/2023 I called Ally Bank and provided instructions to provide me full and exclusive access and administrative control of my XXXX account. Ally Bank refused to do this, violating their own policy. I requested to speak to their Legal Team and I was told I can only do this in a court room.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. 

Wrong employees 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 Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2023-09-28 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: MS

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-09-28 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: MS

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
U have been disputing this item for over a year this is not my account removed this tradeline immediately it is affecting my credit score and I cant take out a mortgage if this is still on my credit..you guys sent me a letter saying it was deemed fraudulent so please remove this off my credit report I can sue for damages for inaccurate reporting by federal law you have 30 days to investigate this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: GA

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 2023-09-28 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: NV

Complaint narrative:
I have {$4900.00} in a personal venmo account. The company has prevented me from accessing my funds. I received an email from them on XX/XX/XXXX informing me that my account has been frozen. I then proceeded to provide the information from them ( copy of my driver 's license ) to validate my identity. I have been unable to reach a live person who can tell me why my account was frozen, what it will take to unfreeze and by when. I need access to my money. It is very frustrating that this company does not even have the courtesy to respond to any of my attempts to contact them. This is theft!!! They have no right to hold on to my funds without providing me with a valid reason for doing so and a course of action to obtain my funds. This is MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NY

Complaint narrative:
There are billing issues on my accounts and should be removed. U.S. Code 1666b states that a payment should never be considered late for any reason.

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 2023-09-28 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: VA

Complaint narrative:
During the past few days I tried to make a purchase of a specific item over {$400.00}. Four times the purchase was denied by the bank. Yet, the bank applied each declination against my credit limit, a total of more than {$1600.00} erroneously applied. Today, when I tried to make two small purchases, well under {$50.00}, the bank declined both purchases. When I contacted the bank, I was told that it would take about 10 business days, or about two weeks, to remove the charges because they are PENDING, even though all were declined. Total incompetence and anti-consumer action by Capital One, owned in large part by Walmart.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: FL

Complaint narrative:
In according with the fair Credit Reporting Act XXXX XXXX # XXXX ( XXXX XXXX XXXX # XXXX ( XXXX  XXXXXXXX XXXX  XXXX ), # XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX  ), # XXXX ( XXXX XXXX XXXX, are violating 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 furbish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
They just poof numbers and call nonstop on my cellphone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
These inquires have been added to my credit report without my authorization Citizens one auto Fi- XX/XX/XXXX   I disputed them and they remained on my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XXXX I received a Business loanfrom XXXX for the amount of {$34000.00}. The terms of the loan were {$590.00} weekly billing.Prior to signing for the loan I was told after fifty percent of the loan is paid off I would be able to refinance the loan and get additional funds. I paid the loan from XXXX through XXXX XXXX on time payments without any discrepancies. The loan was paid off fifty percent so I contacted XXXX on XXXX to refinance for additional funds and was rejected. This puts my business in a bad position to continue to operate. These fraudulent loan practices are unacceptable and are terrible for small businesses. This company needs to be held accountable for these fraudulent tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: NV

Complaint narrative:
XXXX XXXX NOT FINISH INVESTIGATION ABOUT BANKRUPTCY. 
XXXX XXXX SENT LETTER STATING NO BANKRUPTCY ONMMY CONSUMER REPORT AND THEY HAVE NOT DELETE IT FROM MY 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 2023-09-28 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: Block, Inc.
State: OR

Complaint narrative:
Cash app usually lets users at paper money. They used to on my account. I discovered I no longer had the feature and I asked why. They told me they disabled it and wouldn't enable it and refused to give any information as to why. I asked to be transferred to someone who can answer and they said no, there is no information and I could never ask why and " thank you for my patience ''. I do not understand why I am not allowed access to my own financial information. I believe they are hiding something.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: TX

Complaint narrative:
Please see the attached dispute letter that was sent to your agency 2 months ago. You have failed to complete an investigation into the accounts mentioned in the dispute letter. There are 3 accounts reporting on my credit report that has no record of when the account was opened. How is this complete and accurate information if I can not fact check an account that you are reporting to my credit report. It has been well over 60 days since I sent your company a letter and these unverified accounts are still reporting. XXXX and XXXX have removed this account. I am demanding the following accounts to be removed within 7 days due to negligence and many FCRA violations : XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
I was making an airline purchase for a one way ticket for my wife and 18 month old and placed the ticket on hold, but instead my account was charged the full amount the next day for XXXX and XXXX from XXXX XXXX. I did not realized this until later on when my wife placed an order through XXXX for same date and time that my account was charged twice for same flight, date and time. I have tried since XX/XX/XXXX  get in contact with the airline and nobody pick up the phone.I disputed these transactions with my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All three credit bureaus are not reflecting my Student loan has been paid in full for XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent pay in full letter to all three bureaus.

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 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was charged about XXXX from an eyewear store. This was not me. I was not present. I was also charged a large charge on XXXX rental car ( about XXXX ). Again this was not me. 

The credit card company isnt resolving the charges. Instead they have told me I must investigate this myself. 

I am not a detective. I was literally not present at these locations. I have had this card for years with no issues. 

For them to refuse to resolve these charges ( approx {$7000.00} ) and demand that I investigate on my own is not proper for a credit card company that I trust to do the bare minimum in protecting me from obvious fraud. 

I reported fraud last month, canceled the card and was issued a new one and they still accepted fraudulent charges only a few weeks later. 

I can not be expected to go investigate this myself. They say the credit card was present at these transactions. Well maybe someone stole the card from my mailbox? I have no idea - but a huge credit card company ( Capital One ) should not be telling me to do my own investigating. They should refund me and then go about retrieving the funds themselves. They are a XXXX dollar organization. I have work and responsibilities to attend to. They need to give me my money back. 

In the meantime, to add insult to injury theyre charging me interest etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28 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: ME

Complaint narrative:
In according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX 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 furbish an account without my written instructions.

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 2023-09-28 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: ME

Complaint narrative:
In according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX 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 furbish an account without my written instructions.

Company response to consumer: Closed with explanation