vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 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: Nelnet, Inc.
State: CO

Complaint narrative:
A Parent Plus Loan application and credit inquiry were submitted without my permission. The two colleges my children attend and the Dept of Education deny utilizing my social security number and submitting an application for a loan without my permission. I have contacted Federal Student Aid and the Dept of Education Inspector General on multiple occasions since that occurred and was told that they are unaware of who is responsible for this federal crime. The agency that appears on my credit report on XX/XX/23 is the Dept of Education and I received a letter that my loan application was denied. This has adversely affected me because I had approved loan applications on file with both colleges and someone submitted another application that was denied which caused the previous application to be rejected. I am now being asked to pay for over {$30000.00} in educational expenses. I did not submit the application on XX/XX/23 and each agency that I contact informs me they aren't aware of who did. The Dept of Education will not take responsibility for the loan application or credit inquiry that appears on my file, although their name is reflected on my credit file. I have a police report with my local county asking for assistance with holding whatever entity responsible for unlawfully using my social security number, submitting an application in my name, and accessing my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Someone sent money to this checking through XXXX accidently. I reached out to the bank because I don't have access to this account because it is locked letting them know this person sent this money in error and I wanted to not except the XXXX or have it returned. They told me I could do it from the account, but I do not have access to the account since it is locked. I explained to them again this money was not meant for me and the person who sent it is now trying to hold me accountable and still they refused to send the money back or reject the payment. Also, wouldn't give me access to the account so I could return the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This account was opened fraudulently.

This is a Violation of 15USC1611. The debt is not mine own. Rightfully I should not be held accountable for someone else using my information. I have provided FTC affidavits and proved that such allegations are false. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations.

15 U.S. 1681 - The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA.

Section 812 - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-11-08 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: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-11-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-11-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a check to SLS to pay down my line of credit. I sent it over night. It was for {$240000.00}. SLS received it on XX/XX/XXXX at noon. I called Tuesday XX/XX/XXXX XXXX to see why it was not posted. The rep for SLS said they received and sent it back. XXXX asked why? she said her supervisor said I sent it to the address for payoffs. I said on the back of the mortgage statement it says all payments mail and gives a po box . Right under it, it says overnight payments mailed and gives an address. It does not say anything about payoffs. No one from SLS called me, they just sent it back. I asked to speak to a supervisor and she said one would call within XXXX hours. no one called. I called today and they said someone would call me by Friday the XXXX. I am now going to pay them off. This is not how customers need to be treated. I think they should back my payment to Friday XX/XX/XXXX when received. I would be happy to send you a copy of my statement. I guess they make up the rules has they go along. I in good faith paid to send it overnight because I did not want it to get lost in the mail. Now I don't know where that large check is.

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 2023-11-08 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: EQUIFAX, INC.
State: GA

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 Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX  I applied for housing is key a government program that helps with back pay on rent and I was living at XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I got an email somewhere in XXXX around XX/XX/XXXX telling me that I was awarded a check for {$9200.00} and it was sent to my address on file and I called them up to ask them to change that address and they told me that the check was already dispersed which means that somebody had a cashed it or attempted to cash it and so I went to the address on file and I asked the people there if they knew anything about this and they told me that they put the check out to go to back to the USPS mail and that they've noticed that somebody may have stolen. So one of the tenants tells me that there is possibly a male subject that may have stolen it there that may have cashed it at a Chase Bank so I called Chase bank and they confirm that somebody did and that they were going to stop payment on it but they did not.. after I told him the check was fraudulently cashed and that I did not sign it they still continue to let that person have the cash go in the bank and take it out I confronted the teller and the teller told me that she's not the fraud department I have to take it to the parking lot and call up the fraud department and talk to them about it but that she couldn't help me at all. I also reached out to the government agency that provided me the check and I asked them to also look into it but I have not got a response All I got was the customer service lady told me that they would get back to me within two days and I haven't heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I got several calls from Chase XXXX XXXX business relation XXXX XXXX XXXX XXXX for CD promotion rate 4.88 % and thinking about opening it if they can do DocuSign for signing up this product.

I cancelled the plan to open because Chase can't do it the same date XX/XX/ we schedule for a Zoom meeting. Without any documents given to me, signature of any forms from me, the new CD account was open without my authorization nor acknowledgement. 
We then got a letter in the mail saying our account would be restricted then closed soon if we don't sign the documents from Chase. 
XXXX I wrote an email to Chase XXXX XXXX to escalate the issue seeking for help when I were on the trip overseas and ask for postpone on the account restrictions and closure. I didn't get a positive resolve, then I wrote a compliant to CEO 's email get a reply from XXXX XXXX XXXX 
Till today, Chase hasn't done anything to investigate what happened nor resolve the restrictions they threaten to us then closing our account of their mistake. I was told over the phone Chase can't start looking into it if this case is not resolved XXXX with XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: GA

Complaint narrative:
I get Social Security Disability every month. I received my payment of {$1800.00} on XX/XX/XXXX. I was overdrawn in my Wells Fargo credit card/installment loan accounts at the time of my SSDI deposit. Wells Fargo took it upon themselves to take {$400.00} out of my check to pay for the overdraft, without a garnishment or legal notification. These are government benefits that I need to live on. I am currently struggling financially and in the process of a XXXX  XXXX bankruptcy. After speaking with a couple of customer service representatives at the bank, they refused to refund me the funds that were taken out of my account. Could you please investigate this matter, and, have Wells Fargo send me a check for {$400.00}, the amount of the funds illegally withdrawn? 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 2023-11-08 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: TN

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to respectfully appeal the permanent limitation placed on my PayPal account with the email address XXXX. 

First and foremost, I believe that this limitation may have been imposed in error. I have always strived to use my PayPal account in full compliance with PayPal 's policies and guidelines. I have not engaged in any activities that would warrant such a severe action, and I take my responsibilities as a PayPal user seriously.

I kindly request that PayPal conduct a thorough re-evaluation of my account and the circumstances that led to its permanent limitation. I am confident that upon review, it will become evident that I have not violated any PayPal policies.

Having relied on PayPal for my online transactions and payments, the permanent limitation of my account has caused considerable inconvenience and disruption to my financial activities. I humbly ask PayPal to reconsider its decision and, if possible, to reinstate my account, enabling me to resume using your platform for my online transactions.

I understand that PayPal 's primary concern is to maintain the integrity of its platform and protect its users. I assure you that I share these same goals and am committed to using PayPal in a responsible and compliant manner.

I kindly request that you provide me with an opportunity to address any concerns or issues that may have led to this limitation, and I am more than willing to cooperate fully to resolve this matter.

I appreciate your attention to this appeal and kindly ask for a prompt review of my case. Restoring my PayPal account would greatly alleviate the difficulties I am currently facing.

Thank you for your understanding, and I look forward to a favorable resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FC HoldCo LLC
State: NY

Complaint narrative:
The information on my credit report is inaccurate and under 15 usc 1681i ( 5 ) I need this deleted from from my credit report immediately I attached documents to support my reasoning and they also shared my info with relatives calling them and harassed them and myself The data above has not been certified to meet any specific reporting standards, and is therefore unreliable. I insist that any inaccurate, incomplete, or unsupported material be removed immediately. 

Also, see the image above for FLAGSHIP CRD ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
When I scrutinized Balance Owed ( XXXX ) presenting {$7100.00} XXXX noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by XXXX XXXX. If I can't trust what's in my credit report, then there is no point to having XXXX at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! 

I was looking at Date Reported ( - ) expressing XX/XX/XXXX It is imperative that you make sure the information in your records complies with all industry standards for accuracy. I am shocked to see deviations from mandatory regulations and compliance guidelines for this account! It's clear there must be some kind of error -- please delete this account immediately! Fix things before more damage gets done. 
Upon inspecting Account Type ( XXXX ) exhibiting Installment. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from XXXX XXXX standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions. 

Viewing Date of Last Activity ( XXXX ) demonstrating XXXX You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation?

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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy. 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-11-08 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: DC

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 2023-11-08 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: DC

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