vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX consumer credit bureaus. I would like the following fraudulent account removed from my credit report immediately. 

XXXX XXXX XXXX XX/XX/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 an account without my handwritten 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 explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
This debt was disputed with the first collection agency. Now replaced with ERC. I didn't live in Georgia at the time the bill was created. I live in XXXX XXXX FL. I have asked for a wet signature but Noone have been able to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am being hit with a hard inquiry CAPITAL ONE Inquiry date of XXXX XXXX XXXX I never applied for any new cards on said date and this inquiry was not made by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have received this letter in reference to a credit card that has been closed by the company Barclays - closed by them in XXXX XXXX the account was paid in full, on time, with no disputes. closed by them for inactivity - which is accurate being i did not use the card once i had paid it off. 

i have called them twice, which both times they have insisted that the account is closed and that no further action is necessary on my part and they i will not recieve any further information. clearly they are still requesting information, and i believe they are preying on innocent consumers the letter insists that i send them sensitive and personal documentation that i believe to be both invasive and illegal especially considering none of this information was necessary for the opening of the original account nor was it ever requested while the account was opened. 

i believe it to be illegal for a credit card company to request the information they are requesting for anyone whether that be an active account or inactive and thus they should be stopped as sensitive information could easily be lost in the mail or could be compromised in any fashion leading to identity theft. additionally when i called the company ( twice ) they insisted that this was their policy for all accounts despite the clear security flaws and potential issues.

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I been receiving credit card at home I didnt apply for, I been calling all of the lender to cancel. but some of them not answering my calls

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I been receiving credit card at home I didnt apply for, I been calling all of the lender to cancel. but some of them not answering my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. 

Account name : XXXX  XXXX and account # XXXX, Account name : US Bank and account # XXXX, Account name : XXXX and account # XXXX, Account name : XXXX XXXX  and account # 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 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
Per the IRS, charge offs and other cancelled debt is considered taxable. The creditor is REQUIRED to report all charge offs, canceled, or forgiven debt via a XXXX. I have never received this form from the company, and I would like to, in good faith, give them a chance to send the XXXX to IRS before doing so myself. 

Furthermore, this complaint is to inform XXXX and XXXX that Charge offs are considered INCOME, taxable income, that must be reported ; and income should never be disclosed on the consumer credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
To Whom it May Concern, I'm XXXX and waiting for XXXX XXXX  XXXX, I have a hearing on XX/XX/XXXX. XXXX XXXX has been denying requests for payment arrangements. I have XXXX XXXX XXXX XXXXXXXX. I am immunocompromised, and had been working 10-15 hours a week just to survive, to not lose my home. 

My federal student loans have been forgiven because of my XXXX. 

Ive contacted UAS since XXXX, I submitted information multiple times and each time I was told that I did not submit the information required for a payment plan. They have denied all forbearance and one account is a {$370.00} a month. I don't even make that in two weeks. Last month I had to make a payment on a credit card and this month I'll have to do the same, otherwise they will report my credit and lower my credit score significantly. 

XXXX XXXX has been showing predatory loan practices with me for years now. My original student loan balance was {$25000.00} and it is now at {$40000.00}. I graduated from university XXXX of XXXX and was diagnosed in XXXX and XXXX of XXXX. While waiting for XXXX they have been stacking interest and fees that will make it impossible for me to pay back. 

My home is all I have left and I guess they have the loan secured by my home, which I never authorized. I really need help. I currently can't even use my right hand, as I developed XXXX XXXX XXXX over the holidays. 

In short, XXXX has been delaying a payment plan and it is forcing me to pay and amount that is over 50 % of my income and they are actively ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Securus J Holdings, LLC
State: NC

Complaint narrative:
Well first I received a {$7.00} check which doesn't even amount to the cost of using the card transaction fees and all sorts of other fees for a product we was forced to use JPay I was released from prison XXXX of 2018 with {$27000.00} and was given a debit card to use with outrageous transactions and fees a third of that money went transactions and fees as I recall correct me if I'm wrong though now how is {$7.00} check make up for that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and I have reviewed my credit report and found fraudulent accounts and inquiries. I contact both the XXXX number : XXXX, and credit bureau to resolve the matter and it has not been resolved or removed from my credit file. 

Below are the account that was not authorized by me : 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, 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:
I am being hit with a hard inquiry XXXX XXXX  Inquiry date of XXXXXXXX XXXX XXXX. I never applied for any new cards on said date and this inquiry was not made by me.

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, 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:
I am being hit with a hard inquiry XXXX XXXX Inquiry date of XXXX XXXX XXXX. I never applied for any new cards on said date and this inquiry was not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Please know that due to covid pandemic we fell behind on our mortgage loan. The company requested personal and financial information for over a year and we always complied. 
we were then told that we had to make XXXX trial payments before our loan would be modified. 
we made all payments on time and then XXXX  days later we got a notice from the lender that our loan is in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: IN

Complaint narrative:
On XX/XX/2023 at approximately XXXX XXXX EST I contacted the original creditor XXXX  XXXX XXXX. I was advised I had an outstanding balance of {$850.00}. They advised me to reach out to Key 2 Recovery, a debt collector, to settle the account. I then found their website and logged in using my personal information, and they showed a balance of {$1100.00}. I submitted an online dispute and advised that I had just been told by the original creditor the amount owed was sent to them as {$850.00}. Key 2 Recovery then called me and said they were given a file in the amount of {$1100.00} by XXXX XXXXXXXX XXXX. I advised I had JUST talked to the university and the file was sent over as {$850.00}, per the original creditors. The collection agent then demanded XXXX XXXX DOLLARS to settle the debt. This is outrageous, in excess of any allowable fees, interest, or charges allowable in my state, and a misrepresentation. The amount originally owed was also grossly misrepresented and the representative lied about the original amount sent over. These unlawful tactics need to be dealt with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of Federal Student Loans as of XX/XX/2023. I have given Nelnet with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take XXXX weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting XXXX weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! 

I have provided Nelnet with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. Exhibit A will provide proof of received document via XXXX. As well as Exhibit B - XXXX with Nelnet confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/2023 I sent XXXX to XXXX XXXX XXXX on PayPal. They said in order for them to ship my item I had to wait until the money was no longer on hold by PayPal since I paid using PayPal good and services. Days passed and I had no updates so ever about my item and the shipment status. Several days after I bought a friend of mine contacted me to tell me that person was a well known scammer and that they have been doing this for a long time. 

I asked the seller for a refund and they said that the money was already in their bank account and that PayPal couldnt do anything. Of course I immediately made a PayPal case, but PayPal quickly closed it. Then as a second option I called my bank and submitted a report for this transaction, but it has been over 10 days and I havent gotten any update from my bank what so ever other that they have cancelled my visa without my permission. The visa registered on my PayPal and which I used to paid the seller has been cancelled by my bank. 

Yesterday I spoke to the seller AGAIN after exposing them for scamming me and hundreds of people. Their response was thousands of posts and I still keep scamming. Many people have exposed them as a scammer since last year, but unfortunately PayPal has not closed their accounts so they just let them do this fraud. 


I have included here pictures of the PayPal transaction as well as the conversation with the seller. 

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has a practice of charging overdraft fees eventhought the money was actually there when the transactions were done. I have had an acct. with them for 22 years.

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 monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: IL

Complaint narrative:
My vehicle was repossessed on the weekend of XX/XX/XXXX. On XX/XX/XXXX, I contacted and paid Westlake Financial the total sum amount of {$2200.00} which I was told included missed payments, late fees and repossession fees. The breakdown discussed was also displayed in my online account summary. A week later or possibly sooner, I see an additional $ XXXX in repossession fees added to my account after I had already paid and retrieved my vehicle. I contacted the company to request something in writing that shows that additional fees could be assessed afterwards and was told there is nothing in writing but that I owed the amount. I think this is completely unfair and unethical. The company is evidently attempting to place in a worse financial situation without any documentation to support their ability to do so

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a hard inquiry on XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2022, When I spoke to the customer service rep they had told me would be a soft pull on my credit. I tried to explain this to XXXX around XX/XX/2022 and they weren't having any of it. I would have never asked for a increase had I known they were going to give me a hard inquiry. The hard inquiry was done without my consent.

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Per the IRS, charge offs and other cancelled debt is considered taxable. The creditor is XXXX to report all charge offs, canceled, or forgiven debt via a XXXX. I have never received this form from the company, and I would like to, in good faith, give them a chance to send the XXXX to IRS before doing so myself. 

Furthermore, this complaint is to inform XXXX and Transunion that Charge offs are considered INCOME, taxable income, that must be reported ; and income should never be disclosed on the consumer 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Per the IRS, charge offs and other cancelled debt is considered taxable. The creditor is XXXX  to report all charge offs, canceled, or forgiven debt via a XXXX. I have never received this form from the company, and I would like to, in good faith, give them a chance to send the XXXX to IRS before doing so myself. 

Furthermore, this complaint is to inform Experian and XXXX that Charge offs are considered INCOME, taxable income, that must be reported ; and income should never be disclosed on the consumer 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 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