vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 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: TX

Complaint narrative:
Account numbers : XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Between XX/XX/2023- XX/XX/2023, I accrued {$190.00}. Out of the {$190.00}, {$180.00} was posted on XX/XX/2023. The remaining {$8.00} was posted XX/XX/XXXX XXXX XXXX XXXX alerted me to my credit score dropping by XXXX points on XX/XX/2023. In the XXXX XXXX app you click on " Recent Changes '' which directs you to a page that says " Balance Increased '' by " Discover Bank '' and recommends that I keep my credit utilization under 30 %. {$190.00} out of {$900.00} is 21.9 %. There were no payments due for the {$190.00} because it was just being posted- but I paid it off in full on XX/XX/2023. I contacted Discover customer care about this matter, and was informed that they did not offer courtesy credit reporting adjustments. I will be sending XXXX the evidence of my previous statements as well, under file XXXX XXXX XXXXXXXX via postal mail on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: FL

Complaint narrative:
XXXX XXXX XXXX  / XXXX  Balance : {$440.00} Open : XX/XX/23 Account status : Derogatory Collection/ Chargeoff Closed : XX/XX/23 Inaccurate reporting/ unauthorized and unverifiable. This account was opened fraudulently. This account is damaging all three credit reports. This is very overwhelming due to fraud.

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 2023-11-18 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: TX

Complaint narrative:
I REQUESTED VALIDATION FROM EACH BUREAU AS I RECEIVED THAT THIS ACCOUNT WAS VERFIED AS MINES I FILED A COMPLAINT ON XX/XX/23 WITH YALL CONSUMER FINANCIAL PROTECTION BUREAU AND GOT A RESPONSE THEY VERIFIED ON XX/XX/23. I THEN SENT AND ASKED FOR A METHOD OF VERIFICATION OUT TO EACH BUREAU ON XX/XX/23 WHICH I HAVE NOT GOT A RESPONSE TO MY DISPUTE. PLEASE RE-INVESTIGATE AND SEND METHOD OF VERIFICATION OR DELETE ASAP!!!! 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: FL

Complaint narrative:
Very disappointed with TransUnion, of all Credit Agencies, your response and clear lack of proper assessment, you've sided with a crooked company that has lied and not corrected their own misreporting, despite my screenshots of information proving so. You also continue to reduce our scores, again without any consideration, which the other agencies have corrected and who properly reviewed all information and took care of correcting information and scores. Despite proof of unfaultered trial payment program, which has not been corrected, you clearly are unable to rationalize the facts. 

XXXX XXXX XXXX XXXX XXXX, shows missed payments on our mortgage, on two occassions, - PRIOR TO THEIR OBTAINING the mortgage from XXXX XXXX, where there was an agreed deferment and already signed documents in place to restart payments, AND XXXX reporting failure of making trial payments to them, which are clearly documented on the account, received documents of confirmation of ALL Trial Payments and agreement to continue planned payments, YET XXXX  and TRANSUNION have failed to remove the INCORRECT INFORMATION FROM THE CREDIT AGENCY PUBLIC RECORDS. WHEREAS the information has been corrected with XXXX AND XXXX ..... 
This has now caused any company using ONLY Transunion to DENY CREDIT, based upon FALSE INFORMATION from XXXX  on TRANSUNIONS site. 
We have also since received a letter from XXXX offering products to us, based upon our " EXCELLENT PAYMENT HISTORY '' XXXX  and TRANSUNION HAVE FAILED to correct and will be subject to litigation with the Documented proof we have from XXXX  THAT EVERYTHING SINCE AND INCLUDING THE TRIAL PERIOD was satisfactorily PAID AND SETTLED.

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 2023-11-18 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: ACS Education Services
State: CA

Complaint narrative:
I attended UXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Thereafter, I made payments, first to the Department of Education, then Direct Loan Service Center/ACS . I paid off both loans in full sometime in XXXX. But, when ACS went under, an unknown, incorrect and misleading " balance due '' was sent to XXXX, then XXXX, possibly XXXX, and now XXXX. XXXX mistakenly thinks I owe {$19000.00} on one loan, and {$95000.00} on the second loan. 
XXXX can't or won't give me a history of my student debt. ACS should have all payments made over those many months from XXXX - XXXX. 

Can you help me get a history of all my payments made from ACS, so I can understand why XXXX thinks I owe {$110000.00}??? 

This is making me crazy and sick, and I can't sleep. Thank you so much for any assistance you can offer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello CFPB, I'm a paypal user, I made a withdraw from paypal XXXX my bank but I haven't received my funds in my card ending in XXXX. 
Paypal said, it shows the transfer for XXXX has been processed successfully on XXXX XX/XX/2023 to my card. 
My bank said that we did not receive or have any transfer in pending. 

Withdrawal to a card normally would take up to 5-7 business days depending on the processing speed of the associated bank. 

Until now I still did not receive the amount of XXXX, either on bank or Paypal XXXX 

Please I need your help, to follow Paypal with that problem, cause after my reserches, I found that many people had the same problem as me before. 

I also have problems to contact Paypal support, cause most of time they do not answer or give any attention or help. 

Sincerly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In years past I had a security freeze on my trans union credit report that I didn't initiate and it took many attempts before removing the notice or freeze

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 2023-11-18 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: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
Prosper stated my monthly payment is {$200.00}. Prosper also stated enclosed it is {$330.00}. 

XX/XX/2023 was the date of Debt validation request. By law, Prosper exceeded the FDCPA 30 day required time period substantially.

Prosper failed to maintain records, harassing me with repeated calls, reminders, emails, warnings, and incessant messages by text. Prosper did so while in parallel providing no response to my emails. 

I maintain recordings of admissions that this occurred, emails- inbound and outbound- to verify the same. 

Having made good faith efforts to resolve originally to find no congruent records of any agreement, I responded about this once. Prosper aggressively addressed this with a presumptive conclusion that I seek some " debt validation letter '', to which the records reflect is nonsensical. 

This is further harassment, delay, and mischaracterization of amounts owed. Prosper has included a derogatory note against my creditworthiness without any notice of understanding. They have not explained nor been able to validate autodebits from my checking account, now in excess of {$800.00}. 

They hang up all calls saying a resolution occurred. Never once has the actual resolution occurred. They have lied 100 % of the time, and this is not hyperbolic. 

I can not be more clear on my requests.

Enclosed is the last communication from Prosper purporting that I owe some recurring monthly debt balance prior to agreement. This is fraud, deception, both, and harassment in my observation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: MO

Complaint narrative:
The XXXX XXXX keeping reporting inaccurate information on my credit report about this account down below is the letter i sent them but still saying they verified the account when it hasnot been updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX @ Experian Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding XXXX XXXX XXXX XXXX Account Dear Experian Consumer Assistance, I am writing to formally dispute the information on my credit report related to the XXXX XXXX XXXX XXXX account. The account is currently listed as closed with a balance of {$7300.00}, and it is negatively impacting my credit score.

I have several concerns regarding this account : XXXX. **Inaccuracy of Reporting : ** XXXX  XXXX XXXX XXXX XXXX account is inaccurately reported as active, even though it was closed. The status of " Account charged off '' with a past due amount of {$7300.00} is incorrect, as this account should have been closed in XX/XX/XXXX. 

XXXX. XXXX XXXX : ** Despite my previous disputes, the information remains unchanged. The completion of investigations indicates a persistent disagreement, and I request a thorough reevaluation of the reported details. 

XXXX. **Violations of Fair Credit Reporting Act ( FCRA ) : ** I am aware of my rights under the FCRA XXXX and it appears that the reporting of this account XXXX be in violation of the Act. The inaccurate reporting has caused me financial harm, and I intend to use every consumer protection law available to rectify this situation. 

I kindly request a prompt and thorough investigation into this matter. Please provide me with the results of your investigation and any actions taken to correct the inaccuracies on my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, 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 2023-11-18 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: OH

Complaint narrative:
I signed up on the studentaid.gov website for a lower payment and during this time there is a temporary way of self verifying your income on a document because of new rules to help with student loans. The company Nelnet is not abiding by the current rules which allow that. Also they're charging me a higher interest rate than the zero percent that's stated on my account on the studentaid.gov website. Also they don't answer the phone. I tried calling and was on hold for over an hour and a half and finally gave up. So you can never get anyone on the phone. Instead of allowing the self certification of income they keep mailing me the letter that I've uploaded. I don't work a normal job and have sporadic self employment income so I don't have the verifications they're asking for which is why the education department made the income self certification possible, for situations like mine which Nelnet is not accepting as they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I first attempted to create an account on the Equifax website XX/XX/XXXX. I input all of the information they requested : full name, date of birth, entire social security number, address. I then answered all the questions that were asked. But, still, I was denied access to my credit report. The last time I tried to gain access to my credit report was XXXX. XXXX. XXXX. Again, I input all of my personal information, and again denied access to my credit report. Many consumers online are reporting the same issue. Not only am I being denied access to my credit report, now, Equifax has captured all of my personal information, and I am unable to opt out of the sale/disclosure of this information. Since Equifax has denied access to my credit report, Equifax should not have captured my information. My only intent in attempting to create an account is solely for the purpose of accessing my file. Since I am being denied access, I would like to ask Equifax to provide me with a disclosure of the information they have collected and a process to opt out of the sale/sharing/disclosure of my personal information that I unintentionally provided. However, I can not do this without being allowed to create an account. If Equifax is going to capture a consumer 's information with the risk of not gaining access to the consumer 's file, Equifax should place a warning on their website alerting the consumer of this risk. Furthermore, the consumers ' information belongs to the consumer. Anyone whose information was captured in such a manner, should have an easy process to manage or delete that information they inadvertently provided. So, I am asking the CFPB for assistance with being able to manage how the information Equifax obtained from me is used, and assistance with gaining access to my file. I have accounts with the other XXXX bureaus. So, all the data I input into Equifax 's website is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
On XXXX XXXX I was scammed out of {$6000.00} by an individual posing as a key bank employee. I had to have the account frozen due to the compromise and opened on a new account on XX/XX/2023. I questioned several times about how outstanding transactions such as direct deposits checks or anything associated with the old account. I was assured that the account would be frozen but would remain open so that if this did occur they would basically intercept the transactions verify the validity and push said transactions thru to the new account. That didnt happen I was penalized for {$50.00} on a card that was attached to my bank account so th amount was declined and the penalty {$50.00}. I also had a landscaper have my check declined for {$150.00}. On XX/XX/XXXX, I received a letter from the bank advising me that due to fraudulent activity on the account they were closing the account on XX/XX/2023 the same day I reviewed the letter. It also stated that I should reach update any direct deposits asap. I receive my social security thru direct deposit and had already contacted them to update my account info for my direct deposit. Now today I am received a notice from social security verify that I had updated the information but also to advise that I should keep the account that keybank closed without my knowledge or at least in a timely fashion. This is causing further financial distress because social security has advised it may take 1-2 months to change were they send payment. Key bank has not taken any responsibility or accountability for their contributions to causing me further harm financially and mentally

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18 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:
XXXX XXXX XXXX / XXXX Balance : {$440.00} Open : XX/XX/23 Account status : Derogatory Collection/ Chargeoff Closed : XX/XX/23 Inaccurate reporting/ unauthorized and unverifiable. This account was opened fraudulently. This account is damaging all three credit reports. This is very overwhelming due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: MA

Complaint narrative:
Company did not conduct independent investigation on errors on my credit report. They utilized eOscar to verify all derogatory accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: MA

Complaint narrative:
Company did not conduct independent investigation on errors on my credit report. They utilized eOscar to verify all derogatory 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