vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Venmo froze my account for no reason at all and did not give me a heads up. They have all of my money and I haven't been able to feed my XXXX grandchildren that I have custody of. This is all the money that I have. It's been since last week and I haven't been able to buy groceries. I am crying and begging someone to please help me. I'm not rich and I am very poor. I have almost {$300.00} in the this account and it was got groceries for these babies. Please, Please someone help me. We also had a bad storm come through my town and we have been out of electricity for 13 hours already. People are trapped in their homes and many are dead. I need to feed my sweet granddaughters. I have sent in my driver 's license and changed my email address and password. I have done everything they have asked me to do. Can anyone please help me? How is this fair? This is my hard earn money that I work hard for to feed my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NY

Complaint narrative:
I've been calling daily. No one picks up. My application for IDR was submitted in XXXX and is still pending. My payment is double what the IDR payment should me. I can't pay this high rate. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: Winklevoss Exchange LLC
State: IL

Complaint narrative:
I made transactions, then they blocked my money for verification. They asked for documents and I sent them. They told me to wait 3-5 days. Afterwards they don't answer. I called many times, submitted again requests to unblock my money, sent documents confirming my identity. They still ignore me and dont respond at all now. How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX fraudulently and irresponsibly issued to someone else a XXXX XXXX in my name without using any due diligence whatsoever. 
This happened XXXX. The card was used for over {$10000.00}. 
XXXX also allowed this with an incorrect address ... .I never lived in Florida XXXX 
My credit score for the last 30 or 40 years has always been over 800. 
Experian has me listed with many many exceptional payment histories. Tried to get an XXXX credit card about a month ago but was denied because XXXX Credit Card has dragged my score down to XXXX from over 800..that 's their fault not mine. 
Filed a complaint with Experian but so far no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX we traded this car in from Capital One Auto finance when they took the vehicle and was supposed to pay off the balance, they never sent the check to the new companies then reported me 30 days pass due in XXXX of 2023 which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, XXXX XXXX XXXX, and Experian. 

I am writing to file a complaint regarding inaccurate information on my consumer credit report, specifically related to the XXXX XXXXXXXX XXXX XXXX account number XXXX. I am deeply concerned about the inclusion of unauthorized and inaccurate data, which I believe violates both state and federal laws governing the protection of non-public personal information. 

Under Georgia law and the Fair Credit Reporting Act ( FCRA ), I assert my right to privacy and the accuracy of information within my consumer profile. I did not provide written consent for the reported late payment remarks in XXXX, XXXX, XXXX, XXXX, and XXXX of 2023. I insist on the correction of this information and the removal of derogatory remarks, updating the account status to " paid as agreed '' with no record of late payments. 

I want to emphasize that all information within my consumer profile requires explicit authorization, and I do not recall granting such consent to XXXX XXXXXXXX XXXX XXXXXXXX. I believe this unauthorized access to my non-public personal information is a violation of my privacy rights. 

In accordance with federal law, particularly the Fair Credit Reporting Act, I request that XXXX XXXXXXXX XXXX XXXX ceases furnishing my non-public personal information to third parties, including but not limited to Experian, XXXX, and XXXX. Please refer to the specific codes outlined in the Fair Credit Reporting Act to support this request. 

I appreciate your prompt attention to this matter and request a thorough investigation into the inaccuracies reported. I trust that your intervention will ensure the correction of my consumer profile and uphold the principles of privacy and accuracy as mandated by applicable laws. 

Once the investigation is complete, I would like a comprehensive breakdown of the information shared between Experian and XXXX XXXX Bank regarding my consumer information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Paramount GR Holdings, LLC
State: MO

Complaint narrative:
My husband and I were looking into solar power to cut down on our electric bill. We talked in our home with XXXX XXXX representative XXXX XXXX. He presented how solar panels could save us money. Since I had the better credit, we did the contract under my name. Nothing happened for months ; unable to reach XXXX XXXX, so asked for another representative. On XX/XX/2022 my husband passed away. I called XXXX XXXX and told them I needed to cancel the project, as my Husband had passed away. I have XXXX XXXX XXXX, and the stress and heartache of losing my husband in a sudden death, my XXXXXXXX XXXX got much worse, and my XXXX increased my XXXX  and warned against another fall, he would put me in a XXXX rather than my XXXX. So when I called to say I couldn't go through with the project since I didn't have my husband 's income, and I didn't make enough on XXXX social security to pay for the XXXX contract. A representative from GoodLeap, who I'm not sure how they got involved, named XXXX XXXX. I explained that I was unable to go through with the solar project, and nothing had been done towards work on the solar panels, so I needed to get out of the contract. She ( XXXX ) told me " no worries, we can loan you the money to pay off your solar bill ''. I had 100 % equity in my house at the time. She was very pushy about getting a loan to make sure I could afford the solar project ( $ XXXX ) and also get cash out to use for myself. She said don't you want a new car, travel, or buy new clothes? I was in a panic. XXXX XXXX knew I was in a tender condition, and I feel she's a predatory lender, seeking folks to loan money they know they can't pay back, and foreclose on them. I was in no condition to make such decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit 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 explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: GA

Complaint narrative:
State employees credit union failed to provide loan verification letter. Proof sent to XXXX to have account updated or removed. Account was closed and charged off. SECU is still reporting late payments to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: 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 2024-01-09 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: 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 non-monetary relief
Consumer complaint received 2024-01-09 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 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 2024-01-09 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: OH

Complaint narrative:
On XX/XX/XXXX we traded this car in from XXXX XXXX XXXX finance when they took the vehicle and was supposed to pay off the balance, they never sent the check to the new companies then reported me 30 days pass due in XXXX of 2023 which is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: SC

Complaint narrative:
I let the company know that Im the registered owner of the securities and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: SC

Complaint narrative:
I let the company know that Im the XXXX XXXX XXXX XXXX XXXX and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I let the company know that XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MS

Complaint narrative:
Re : Delinquency Notice / Civil Action Notice USPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ( FACTS ) This notice is to inform you that you are well over 90 to 120 days late on this outstanding balance that you know you owe the consumer in the amount of such credit that should have been released on this account as well as the attached completed record officially signed off on by the Department of Veterans Affairs as well as your banking or financial policies in requesting any consumer to complete such Form 4506-C and VA Form XX/XX/219 XXXX. Policies and procedures and applicable laws, regulations, and statutes are critical, we have asked for your legal counsel of record direct contact information as it is required before addressing this in a court of law. We have been overly patient with you and to this date, you have not returned any outstanding debt that you owe and should be in your files or system. At this point, we have exhausted all our administrative responsibilities and remedies, and all Consumer Financial Protection Bureau notes and records will be used. You have shown unprofessional service and conduct by doing what you have done here which has triggered others to fall suit without your supportive records. Now turn over your legal counsel of record, name, address, and phone number through the Consumer Financial Protection Bureaus Portal so that I can have it with all your responses on this site. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: TN

Complaint narrative:
I am requesting that it will be removed 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 explanation
Consumer complaint received 2024-01-09 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: PA

Complaint narrative:
I understand the customer service rep that answers the phone at the 3 credit bureaus is not the owner nor the ones thats running these credit bureaus. It took me between 8 to 10 years to get my credit together, Im still not done but its in good standards. XXXX XXXX XXXX  and going back and forth with Experian for the last 6 days about reporting wrong information from these creditors without know evidence. The more I fight about the hard inquiry and the hard delinquent on my credit report Experian come back with more discrepancies and lies and know proof. I havent any hard inquiries know delinquents in 9 years, only thing should be on all 3 of my credit report is my student loan I have to pay off which is not going to take to long. I had a rough times over the years with beating XXXX going through a XXXX XXXX, still dealing with XXXX XXXX  but still willing to fight until I get it right. I dont approve of a companies reporting lies, because Im filing a complaint, if I need to contact my family attorney I can do that as well, I dont respect 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 explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: NY

Complaint narrative:
Deceptive collection on money not owed. bill was paid..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: FL

Complaint narrative:
Against my knowledge or consent, a personal loan for {$4000.00} was made by the on-line Discover Bank on XX/XX/XXXX. I had no knowledge of the loan on my credit report until I tried financing something else on XX/XX/XXXX. In an effort to save my credit, I immediately paid the loan off even though they had written off the loan. 
I have been in dispute with Discover Bank ever since. I believe the loan was taken out in my name by XXXX XXXX who XXXX a XXXX XXXX He had access to all of my personal information. 
I have asked the lending company for proof that it was me that took out the loan. Specifically, signature, copy of ID, thumb print or anything else they used to approve the loan other than an on-line application.. To this date, they have furnished me with no copies of proof. I have spoken to them many times and they admitted it was not me as the XXXX XXXX XXXX XXXX tried to take over the loan. However, they will not officially release me from the responsibility of the loan because they know they have wrong information on my credit report and that the may have to reimburse me the XXXX. I have filed complaints with the credit services and the last one was done by XXXX XXXX. I specifically asked them to not just take the word of the financial institution and ask for any form of identification that it was me that took out the loan other than information provided on an on-line application. XXXX did not do that. They stated that the loan company certified it was me that took out the loan but again provided no copies of my identification. I am retired, own my own home outright and have nearly the max amount of money in my checking account alone that the government would insure. I have never taken out any type of personal loan in my life. I have hundreds of thousands of dollars available to me and would have no need to take out a personal loan. This is is case of on-line identity theft and neither the bank or credit bureau seems to be able to understand that. All I have asked for is a form of physical proof that it was me that took out the loan. Signature or copy of government issued ID would be the most logical. They cant do it and the negative event is still on my credit report.

Company response to consumer: Closed with explanation