vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XX/XX/XXXX : I wrote a letter requesting validation for the debt in the amount of {$3900.00} Midland Credit Management claims I owe them along with the contract bearing my signature showing that I had ( or ever have had ) a contractual agreement to pay them. I, also, informed them that if they were unable to provide validation, they were in violation of FCRA & FDCPA and therefore must request all credit reporting agencies delete their entry from my credit report. I informed them that failure to respond in 30 days of receipt of this letter could result in small claims legal action at my local venue. 

Midland Credit Management did not respond to this letter. Instead, they sent another bill attempting to collect the debt from me the following month. 

XX/XX/XXXX : As a courtesy, I sent a follow up letter reminding them that by not responding in a timely manner, they had violated federal law and failed to provide any viable evidence bearing my signature to show the debt was reporting accurately. I informed them that since they had violated federal law by not properly investigating in a timely manner, they must now remove the debt from my credit report. 

XXXX XXXX : I received a response from Midland Credit Management stating that they had conducted an investigation and their records were accurate, but they didn't provide any documentation that proves they did a complete investigation or contracts with my signature that proves I owe them. 

Furthermore, Midland Credit Management is reporting the open date as XX/XX/XXXX but they didn't show up on my credit report until months later so they are indeed reporting inaccurate information along with being unable to provide contracts between them and me with my signature. 

I have asked Midland Credit Management twice to remove the debt from my credit report if they are unable to validate the debt or are reporting inaccurately and they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: CITIBANK, N.A.
State: OK

Complaint narrative:
I recently had my credit report pulled for a potential mortgage loan. On my XXXX credit report, it shows that I am an authorized user on a CitiBank CBNA credit card that is open and active. This card was opened XX/XX/2012. At the time I was a XXXX, XXXX XXXX XXXX and a XXXX  of the State of California, in the XXXX XXXX XXXX. I have never authorized my information to be used with Citibank credit cards. The credit card currently has a {$9900.00} balance which is severely damaging my credit and ability to buy a home. I repeatedly called CitiBank to resolve the issue, however they are unwilling to help me without a full account number, or full name and social security number of the primary account number. I have no access to that information since my name was used fraudulently on this account. CitiBank refused to help me or remove this fraud even though it shows 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 non-monetary relief
Consumer complaint received 2023-06-08 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: NV

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: CA

Complaint narrative:
THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

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 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
XXXX XXXX is charging fees that are excessive and posted in an order to assure that they are able to charge as many fees as possible. I was going through a financial hardship last year and also dealt with fraud. My account had accrued over {$900.00} in NSF Fees. I was unable to get my head above water for weeks. Every paycheck that was deposited was being depleted with NSF Fees. I finally made the decision to leave the bank in XXXX of XXXX. I got a letter from a debt collection agency ( XXXX XXXX ) this week stating I owe South State {$220.00}. I have tried to access my bank statements as they were e-statements so i could see the exact amount of NSF Fees I have paid them. Please look into this and request they send a statement showing these fees. I called the home office and spoke with a representative and told them I was unaware of opting in for overdraft protection. For debit card transactions at ATMs or at merchants, consumers must opt-in, or agree up front, that the bank can charge you an overdraft fee for any debit card transaction that overdraws the account. If you dont opt-in, you cant be charged a fee. I told this representative that I did not want this and to please remove it from my account. They continued to charge me fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

-XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Request for 1099 for Charge Off Dear Sir/Madam, I am writing to request a copy of the 1099 form that your company issued in regards to the charge-off on my account. My account was charged off XX/XX/2023, and I am preparing my tax returns for the year. To ensure accurate reporting, I must include the amount of the charge off in my tax returns. 

As your company charged off my account, I recognize that your company must have reported the amount charged off as income to the IRS. Therefore, I would appreciate it if you could provide me with a copy of the 1099 form issued by your company for the period referred to above.

Please send me a copy of the 1099 form at your earliest convenience to the address provided above. Please notify me if there are any fees associated with providing me with this form. If you require any further information from me, please let me know. 

I look forward to your prompt response and resolution of this matter. 

Thank you. 

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 explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Great Lakes ' transfer of student loans to Nelnet is resulting in borrowers ' credit scores to be negatively impacted, including my own. I received a credit alert from XXXX this afternoon stating my credit score dropped after the original Great Lakes loan went from its full balance down to {$0.00}. I anticipate the other two major bureaus to report similarly and also result in score drops. In addition, based on the way loans are handled on credit reports, I anticipate additional damage due to the new Nelnet loan being added. The executive director of the XXXX  stated the Department of Education provided guidance to servicers on how to handle loans to prevent any negative impact to credit reports. This guidance was to only change the name of the servicer. This obviously is not how this was handled. In addition, multiple borrowers have posted online about similar experiences with these changes costing anywhere from 50 to 100 point drops in credit scores. As someone attempting to purchase a home in an already difficult interest rate environment, this is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
A fake email from XXXX was sent to me saying I need to authorize in order to receive the money. Instead of receiving the money and selling the tickets I was scammed and taken {$300.00} from me. Chase bank did say it was a scam but they were not able to give me my money back. That person is out there scamming people and taking so much money. He cant get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Wallet Stolen XX/XX/2019 resulting in fraudulent inquiries for lines of credit using my 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 2023-06-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX and Equifax dropped my score by XXXX points. I put a complaint in, but to see their specific reason I would have to pay them. I believe this is unfair. They should provide a detailed response for free. My utilization is less than 24 %, all my payments are on time, I have owned my home for 33 years. My mortgage is less than 30 % of its value. All my payments are on time. I am paying off my credit cards, with a new equity loan, using less than XXXX dollars of it. I would like an realistic response and one that is free, telling me why the drop in plain and detailed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: IN

Complaint narrative:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach and the black market, I need these 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 2023-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IN

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS is trying to collect {$1600.00} from me from a XXXX XXXX bill I never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Dear PayPal Team, I hope this message finds you well. I am writing to express my concern about the recent limitation placed on my PayPal account, registered under the email address XXXX. I have been informed that this limitation is permanent, which is causing me significant inconvenience. I strongly believe that this action may have been a mistake, and I respectfully request your assistance in revisiting this decision. 

I am confident that I have adhered to all the policies and guidelines that govern the use of PayPal services. As a diligent user of your platform, I have consistently maintained a high level of adherence to PayPal 's user conduct and transaction guidelines. I always strive to ensure that my transactions are transparent and within the legal and ethical boundaries set forth by PayPal. Therefore, I am baffled and distressed by the abrupt limitation placed on my account. 

I kindly request a comprehensive re-investigation into my account activities. As I am certain that I have not violated any PayPal policy, I believe that this inquiry will clarify that the limitation on my account might be an oversight. I understand that PayPal has a strong commitment to keeping its platform safe and reliable for its users, and I am confident that a detailed review of my account will reaffirm my compliance with PayPal 's rules and regulations. 

Should there be any specific transactions or activities that have led to this restriction, I would appreciate it if you could provide me with the necessary details. I am ready to provide any further information or clarification that may be required during the re-investigation. 

The functionality of my PayPal account is critical for my personal and professional transactions. A permanent limitation poses a significant hurdle for me, which I hope can be rectified swiftly. 

Thank you in advance for your assistance and understanding. I am looking forward to a positive resolution and the restoration of my account 's full functionality. 

Yours sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
As of XX/XX/2023, a total amount of {$2800.00} was spent from my account on unauthorized transactions when my personal information and phone was stolen. After filing a police report, I disputed the transaction and requested that my debit card be blocked, cancelled, and replaced. Maybe even the entire account if that has been compromised. Citibank performed an investigation into the dispute and responded by saying that part of it was fraud and the other part isn't fraud. So they provided me credit back to my account for part of the dispute in the amount of {$760.00}. In reality, I had no business with the merchant and ALL charges were unauthorized. Citibank then made me file an appeal for the decision on the remaining unpaid balance and I still have yet to receive my money back nor have I received an update on the investigation. They have been giving me false promises and misleading information such as, " I will receive a provisional credit within 10 business days while they are conduction the investigation which may take up to 90 days. '' It has been 30 days since I originally filed the claim. I am now set back a month behind on bills because of their inability to protect the funds of a consumer/client.

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 2023-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
on XX/XX/XXXX I noticed that PayPal wrongfully restricted. 
I did not recieve any notification or mail, I just found out about it by chance. 

PayPal has not provided any help, or put any effort to solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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