vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had paypal balance of {$25.00} and a prepaid card from XXXX of {$50.00}. I was attemtping to buy something above the price of the prepaid card and Paypal wasn't allowing me to split the payment between my balance and the prepaid card the only way I could afford it so I transferred {$25.00} from my PayPal balance to the Prepaid Card. It ended up being {$24.00} to the prepaid card after Paypal transfer fees. On XXXX it shows the same amount as a purchase and it was deducted from my account and also from my paypal account. Both companies are pointing the fingers at each other and not understanding the situation. I filed a dispute with Paypal and it was denied they told me the money was sent I filed a dispute with XXXX and they told me it takes up to 90 days and I'm sorry I'm not waiting that long. I lived on a fixed income and {$50.00} nearly that I've lost is a lot of money to me. I don't know who's fault it is its just pointing fingers on my paypal account it shows the money transfer from the Paypal balance to the XXXX  prepaid but on the XXXX website it shows a purchase from Paypal. This has to be some sort of major screw up or potential fraud on their behalf. If the card isn't loadable it shouldn't allow you to attempt to load it and outright deny it. But instead of that it deducted the money from both ends. The companies of course are playing XXXX not understanding what I'm explaining with no help at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have noticed several fraudulent accounts being furnished on my credit report for the month of XXXX. I am really frustrated after finding out about this situation as I couldnt believe that someone could have access to my credit profile without my knowledge and used my identity for their own advantage. Please take these fraudulent items off of my record as soon as possible. 

I have already created an Identity Report for my own protection as I dont want my name to be put in shame due to these deceptive items found on my files that I have no knowledge of. Please see the following fake accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have noticed several fraudulent accounts being furnished on my credit report for the month of XXXX. I am really frustrated after finding out about this situation as I couldnt believe that someone could have access to my credit profile without my knowledge and used my identity for their own advantage. Please take these fraudulent items off of my record as soon as possible. 

I have already created an Identity Report for my own protection as I dont want my name to be put in shame due to these deceptive items found on my files that I have no knowledge of. Please see the following fake accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I suddenly lost acces to my account. My user name and password is not recognized. I have not received any response from their support or fraud teams. It is Gemini  XXXX XXXX!! 
Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: AR

Complaint narrative:
I did not receive a written notice/debt validation letter from the last complaint I filed against this company. The debt agency did not send actual proof of notifying me of the debt validation. Instead they sent a new bill. The amount is incorrect and there is no legal right to sue in the state of Arkansas because I do not have a contractual agreement with this junk debt collecting agency. This debt collector did not follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: FL

Complaint narrative:
Equifax, I was a victim of identity theft and the below hard inquiry is unauthorized and fraudulent. 

XXXX XXXX  XXXX - XX/XX/2023 Please have this removed as soon as possible as its damaging my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A copy of my Identity Theft Report and proof of my identity .

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have continuously tried to call Nelnet to request information regarding my student loans. When I call, I'm faced with long wait times that are never answered by an advisor. I've only been able to get through once and it was in XXXX of XXXX. The advisor, XXXX, advised me to call back closer to when a payment was actually due, which would be XX/XX/XXXX as she did not have any information due to awaiting the government 's decision on student loan forgiveness. After the decision was made by the Supreme Court to not uphold student loan forgiveness, I immediately started trying to reach Nelnet, as my payment was not available on the website. 

Finally on XX/XX/XXXX - I was given a payment amount of {$31.00}. I paid that amount, but tried to call again to make sure that is what I owed and to understand what repayment plan I am on. 

I logged back in not long after and my payment was then changed to {$210.00}. This seemed to be a more likely amount for my loan and what I owed. I made a half payment of {$100.00} on XX/XX/XXXX, preparing to make the other half on XX/XX/XXXX ( with a due date of XX/XX/XXXX ). I called again, to understand this is what I owed and to understand what repayment plan I was on - again, I could not reach a customer service agent. 

I logged in today XX/XX/XXXX to make the other half of my supposed payment, and the payment amount then changed to {$140.00}. I have been on hold ever since trying to resolve this. 

Just like any loan I would take out, I intend to pay it back, but unlike every other loan I have taken out, this has been a very challenging process. I should be able to see my payment every month and when it's due and easily pay it. Not log in several times a month, with the amount changing. The fear of daily accruing interest is also troubling me through this process. It's also very concerning I can not reach a human person to discuss this with. I understand the system is overwhelmed, but I am doing my part and should not be punished for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Credit Karma, LLC
State: OK

Complaint narrative:
On XX/XX/23 I went online to an ad that claimed there was a sale on some shoes from the company oncloud. When I placed my order for my daughters shoes it came up with a message declined, but checking my account it showed they took out the money for XXXX. I then tried to contact company at the email and phone number provided by website. The email and phone number was not a working number or email tried to contact company that took the money not a working number. Contacted my bank on XX/XX/23 and to date have not heard anything from my bank regarding issue. When I call my bank they say they are looking into it but have not determined anything yet to just wait until they complete investigation which has been almost 60 days. I provided all numbers and email addresses to my bank to help resolve issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 Fisrtmark Services sent me a stamente on the following the oustanding principal balance was {$6400.00} the interest was {$60.00} the company was unable to explain why the payments was handled in this manner I told them the discrepancy was arbitrary and innacurate. On XX/XX/2023 I received a new statment with corrections on the oustanding balance the new amount was {$5700.00} the interest was {$59.00}. How I am going to trust FirstMark Services? based on this enormous discrepancies charges on my loan? Is obvious to me that they are mishandling the payments. On XX/XX/2023 I sent a payment in the amount of {$1700.00} the company charme for {$800.00} to paid the supposedly oustanding interest of my loan the remainder of {$950.00} was towards the principal. even though I have not received any statement they the company claim I still owe an oustandi interest of {$59.00} for the current month of XXXX. Every time I called the company give me a different balances o denied I have made payments or simple hang up. Is very frustrating dealing with this company who has demostrated a luck of integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I applied for a Navy Federal credit card to execute several balance transfers. The promotion they sent me featured and introductory APR of XXXX % on purchases for the first twelve months and no balance transfer fee. After my requested balance transfers were executed, I learned that I would be charged an APR of XXXX  % on the balance transfers I requested. This was not disclosed in any of their marketing material. They mention there's no balance transfer fee, but don't disclose the fact that transferred balances will be subject to the XXXX  % APR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX, is reporting my account for the month of XXXX, 2019 90 days late on my XXXX, consumer report and a 120 days late for the same time on my XXXX, Experian consumer report. This error is causing the student loan accounts to report negative.

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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2023, I sent an international wire to my XXXX account via Wells Fargo ( XXXX wires go through Wells Fargo ). The money ( {$7000.00} ) was removed from my account in XXXX XXXXXXXX XXXX in XXXX but never was deposited to my account at XXXX. 
Over multiple phone calls and 2 months, I learned that Wells Fargo deposited the {$7000.00} into an unknown account at Wells Fargo ( same account number as my XXXX account number ) without verifying the name of the recipient, without checking that it was for benefit of XXXX XXXX. 
Wells Fargo is unwilling to revert the funds back to my account in XXXX, or send them to my XXXX account as I originally intended. They are asking for unlimited indemnification from my bank in XXXX to process a wire recall and my bank is unable to provide unlimited indemnification to Wells Fargo ( they are willing to sign if there are caps ). 
I am at a loss as to how I can get my money back from Wells Fargo. I need your help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I have been trying to correct inaccurate items on my credit with equifax for quite sometime now I have sent them documents verifying who I am, I have provided them with my address where I have resided for years, there are several addresses on my account to which do not and have NEVER belonged to me. Equifax has been reporting false information and saying they verified false information that has been damaging to me and my credit profile hindering me from a fair credit report which is illegal and should be remedied immediately. I started this process of dispute months ago due to identity theft from previous years when my items were stolen, my items have come up on the dark web several times and I have been fighting to get these things removed and every time they send me something saying they have verified I have asked time And time again for proof of how these items were verified and what information was used to supposedly verify them because there is no way these accounts have been linked to the correct person or verified as accurate and true. I have reached out to the individual companies and they send me back to contact equifax. This company has already been in hot water for reporting false information for breaches of people information so I would like these items fixed immediately. I am providing a copy of my ftc report, a copy of these inaccurate items that they continue to claim they verified which I am seeing now is just pure laziness and refusal to provide people with complete accuracy this company would like to suppress people and prevent them from being able to fix things without having to jump through hoops when these items should have check for legitimacy before they were allowed to ruin my life.

Company response to consumer: Closed with explanation