vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 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: NC

Complaint narrative:
On XX/XX/XXXXXXXX  I submitted a verification method to Equifax for a recent dispute of several items ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NC XXXX XXXX, As of today XX/XX/XXXXXXXX  I have not received the method of verification. Reporting of inaccurate information is identity theft and Equifax has not performed due diligence of ensuring they are reporting accurate information onto my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The inquiries listed on my credit report do not belong to me. 

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 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 2023-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I was contacted by Portfolio Recovery Associates LLC around XX/XX/XXXX or XXXX. They advised me of my unpaid debt with XXXX XXXX XXXX. I setup payment plans of $ XXXX  monthly. I then login in on the XX/XX/XXXXXXXX  and decided to except a discount payment plan. I paid it off entirely. It was a payment of {$2500.00} of {$5600.00} of debt owed. My concern is the age of the debt. It's from XXXX  or XXXX. Would I still owe debt this old or did I get scammed by Portfolio Recovery Associates LLC? What do you think?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian offers Experian Boost. The allow qualified monthly payments such as rent, insurance, streaming services, & other types of monthly bills to be connected to Experian Boost. I connected my bank account with Experian boost & they were able to download my qualified monthly bills. They require 3 consecutive monthly payments within the past 6 months. The issue is, they are only accounting for 2 months of payments ( XXXX & XXXX ). I have been making monthly payments since XXXX. I have many back & forth conversations with their member support. They requested copies of my bank statements showing these additional payments. Which I provided. One response from them was " the payment description must be exactly the same for all payments. You payment date is different '' No, XXXX the payment date is going to be different. They should know that. After a month of dealing with incompetence, requesting the copies of bank statements, & them providing the same response which doesn't address my issue. I have requested a call from a manager. Which has not happened. I resorted to filing a XXXX  complaint. Experian response was to send me a credit report. Further incompetence, which the company doesn't understand their own service. This delay is costing me time & money from improving my credit score. As of now I have a XXXX credit score due to my bankruptcy. There are many resources available to re establish credit. But, I need a credit score other than XXXX to qualify. This can be easily resolved by a phone call from Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
I received an email stating that I was declined for a loan from NetCredit.com because they could not validate my information. I did not apply for this loan and received no funds. I reached out to them to notify them of the fraud and to deleted the account and rescind any credit reporting they may have submitted to the bureaus. They immediately declined and told me I had to submit a police report before they would take any action ( they even asked me to include my current banking account information in that report?? ). They told me that because of their privacy policy, which I consented to when I applied for the loan ( even though I just told them I did not apply for the loan ), they could not delete my personal information ( though obtain fraudulently ). I asked if they could at least provide the last four digits of the bank account that would have gotten the loan, and they have not responded. I just wanted to verify it wasn't a current account. I then simply went on their website, signed in ( after updating the password ), and got the application and the information I had asked for ( that's just poor customer service imo. They could have instructed me to do that on my own ). I determined on my own that the application had very old account and telephone information, and got the IP address the applicant used to apply ( turns out it was from a XXXX XXXX XXXX XXXX in NY. I worked for XXXX for almost 20 years, but left in 2022 ). They have yet to provide me with any assistance and I have escalated my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The inquiries listed on my credit report do not belong to me. 

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 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 2023-11-19 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:
The inquiries listed on my credit report do not belong to me. 

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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 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: NC

Complaint narrative:
On XX/XX/XXXXXXXX  I mailed a certified letter to Transunion requesting the method of verification for some items on my credit report. As of XX/XX/XXXXXXXX  I have not received that information and the accounts are still being reported of my credit report. Transunion is in violation of the FCRA reason 1 ) they have 15 days from the date of request to submit the verification method to the consumer and they have not done so. 2 ) By reporting inaccurate information Transunion has committed identity theft against me. I am demanding removal of the following accounts in the next 5 days and/ or I will began a lawsuit against Transunion . 

Delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX we are all aware Transunion has a history of reporting misleading and false information on consumers 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 2023-11-19 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: MO

Complaint narrative:
This company continues to violate my consumer rights but reporting inaccurate information on my credit file about and closed auto loan that acts like a revolving credit card account. The credit bureau also says that they verified this account without my consent not have shown me there method on how they verified this account when my images below shown different to what the credit bureau reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
With me being a current victim of Identity Theft/ Fraud and populating the required reports to support my dispute claim. A denial and termination of membership with Financial Institutions was immediately enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: FL

Complaint narrative:
Nelnet has, on multiple occasions, denied/cancelled/returned my student loan payment, under the guise of my bank account having " insufficient funds. '' My bank account has been in good standing each time, as the account used IS ONLY used for student loan repayments and nothing else. A quick search on the Internet confirms that this is not isolated to just myself, and that many have suffered the same problem ( payment returned and interest added despite bank account being in good standing ). Nelnet also has an auto chatbot that does not connect a client to a representative, and only refers to the collected FAQs that do not assist with individual cases. The same can be said for their email and phone support. Nelnet is conducting shady business practices and should be thoroughly investigated for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX e.What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? 
j.Was there any e-mail or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My name is XXXX XXXX and I am a Paypal user with email address XXXX and PayPal has locked my account asking me for documents including my ID card, bank statement, proof of address etc which I provided and in the app it says 1 business day. 

However the block was put over 26 days ago and this has really affected me because I have over {$5000.00} in there that I need to pay rent because my rent has expired and the landlord is on my neck or I'll risk my things being thrown out. 

I need PayPal to unlock my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I purchased this American Express prepaid gift card from XXXX  and the card will not work at all. The card says it's activated, but every purchase gets declined. It won't even let me put it into XXXX XXXX  which I have been able to do before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
bad information they have with me, company best egg account number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: MD

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 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: MD

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
a secured credit card has been opened in my name with 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 2023-11-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
a secured credit card has been opened in my name with 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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 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: DE

Complaint narrative:
I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXXWhat telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? 
j.Was there any e-mail or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease

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