vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I applied for a registration loan at the Title Max in XXXX XXXX  AZ on XX/XX/year> and took {$500.00} to help get by as I only make {$810.00} per month. The total loan was I believe {$2500.00} as I had received a previous loan from them for that amount and eventually paid that one off. I faithfully made my payments and was surprised when my loan credit went up to {$4000.00} as I borrowed a little at a time to get by. In XXXX of this year I missed a payment because their interest kept the loan high. It feels like it's bleeding me to death. It took my whole check, minus {$12.00} to pay the loan back down to the original {$4000.00} and that's after I made a payment approximately 10 days past my due date. Now because they raise the interest on top of the loan over {$500.00} which is also higher than my payment I will never be able to pay the loan down to the original {$4000.00} I owe. Can you please help me as I need this car as it's the only one that I have? I thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts and inquiries listed below as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of any information resulting from identity theft. 
Inquiries to be Deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts and inquiries listed below as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of any information resulting from identity theft. 
Inquiries to be Deleted : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/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 2024-11-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: OH

Complaint narrative:
Credit Karma said I had outstanding approval odds for a XXXX XXXX Credit card so I applied for that card. They denied me. It affected my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: U.S. BANCORP
State: MO

Complaint narrative:
I have revoked Power of Attorney from US BANK and also sent them a Durable Power of Attorney. If I am continued to be violated against in reference to denying me credit and not retracting my application then I will take further legal matters for discrimination, security fraud and trust fraud. The tracking number from mail I previously sent to your back office is XXXX with the USPS ( United States Postal Service ). It was sent certified mail, so I know it was received. I'll have receipt with that attached below.

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. Account # XXXX And one more thing according to 15 USC 1681s-2 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 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I show a collection account in the amount of {$540.00} from a creditor named XXXX XXXX. I never opened an account with this creditor. I filed a dispute with all three credit bureaus. The current contact on my credit report is TRANSWORLD SYSTEM XXXXXXXX XXXX XXXX XXXX  XXXX PA XXXX at ( XXXX ) XXXX. You call the number and it goes to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERIS BANCORP
State: CO

Complaint narrative:
My contractor walked off the job so I sent a termination letter and issued a stop payment on a check for {$14000.00} on XXXX. 

The bank 's processed the check on XXXX, I called on XXXX, XXXX and XXXX and the bank said this appeared to be a " software bug '' which allowed the check to be processed and that I had followed the proper procedure. The bank then tried to issue a fraud affidavit which failed 30 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Errors were placed on credit reportXXXX XXXX score before errors were XXXX - XXXX on the XXXX bureaus with XXXX XXXX negative report. 

Errors were corrected and false reports were removed but XXXX scores were not corrected, XXXX scores plummeted. In fact, I requested XXXX score be corrected in writing with every contact XXXX scores decreased XXXX times. The XXXX scores only plummeted. 

With every request to correct XXXX score XXXX  scores plunged. Now with only positive payment history XXXX score is XXXX from XXXX - XXXX. With only on time payments and false negative reports removed from credit reports. 

Only positive payments have been reported to all bureaus. XXXX scores should increase not decrease. This is fundamental logic and reasoning. XXXX  scores should not plunge with positive payment history and erroneous negative reports removed. 

Financial aid was on account with score of XXXX - XXXX. 

What I have learned in my wisdom is that if someone is complaining often and are upset if you only listen ; XXXX percent of the time that individual has a very valid point and is rightfully upset. 

Please do not minimize my complaint based on the amount of complaints I have submitted. This is by design. Financial theft, abuse and loss is happening to certain demographics that institutions are banking on those individuals not being heard. 

Thank you for all you do,

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 2024-11-03 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts and inquiries listed below as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of any information resulting from identity theft. 
Inquiries to be Deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/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 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
On XX/XX/year> I deposited {$820.00} into my Robinhood account and purchased XXXX which I planned to send to a friend. After purchasing the XXXX Robinhood restricted my account saying I was unable to transfer or withdraw funds due to a flag in their system. Over the last week I have contacted customer support multiple times. They have requested I verify my identity by submitting pictures of a drivers license and screenshots of my XXXX  holding which I have provided. It is now XX/XX/XXXX and my account is still restricted. They requested information on the friend I tried sending XXXX too which I have provided his name and how I met him. My account is still restricted and I cant withdraw the {$820.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: CA

Complaint narrative:
i have no supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therfore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX  {$2700.00}. Please remove these inquiries. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>.

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 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding, LLC Care of Resurgent Capital Services L.P XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Collection Account Request for Validation Dear LVNV Funding, LLC Care of Resurgent Capital Services L.P : I hope this letter finds you well. I am writing to formally dispute the validity of the collection account referenced below as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and specifically under 15 U.S.C. 1692g ( often referred to as " validation of debts '' ). My full name is XXXX XXXX XXXX, and my account number is XXXX According to my recent credit report, there is an entry for a collection account with the following details : - Creditor Name : XXXX  - Account Number : XXXX - Amount Due : {$1200.00} I am requesting that you provide validation of this debt, including the following information : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A detailed account statement that outlines the amount claimed, including any charges, interest, or fees.

4. Validation documentation that verifies the debt has not violated any statutes of limitations.

5. Any documentation that substantiates your authority to collect this debt on behalf of the original creditor.

Please note that until I receive this requested validation, I do not intend to make any payments or acknowledge this debt in any manner. Additionally, under 1692g ( b ) of the FDCPA, I request that all collection activities cease until the requested validation is provided. 

I appreciate your prompt attention to this matter and request a response within 30 days from the date of this letter. 

Thank you for your cooperation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been Tring over the last year to get copies of my credit report from Equifax, XXXX, and XXXX. They all say they don't see any trade items on my credit report and I also tried to obtain a loan from a loan company and they said the same thing and I don't understand why this is. I have had credit, and it should be showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I made several attempts resolving this fraudulent account, which has haunted me for 6 1/2 years. I was XXXX  at time account was open, which I provided documentation. Capital One rep was very rude several years ago. Capital One rep stated card was sent to address on credit report and that I am responsible. I explain at time card was sent I was XXXX  and that between my 3 roommates one of them applied for credit in my name. Even though I could not prove who committed the crime, nor could I get in contact with these three individuals. Therefore I filed the police report, which I felt that would give me some closure since I had proof I was XXXX  and provided a police report, plus I filed a identity claim with the FTC. 

I hope I can get closure to closed this account out and finally delete this account from there data so that I can move forward. Enough is enough they keep deny the claim even though I provided the proof that I was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WY

Complaint narrative:
I have a federal student loan through Nelnet an office of federal student aide and I'm unable to log in. I've changed both my password and username every time I log in, I write down my credentials and I go to re-login and it says my information is incorrect. I know I am not alone in this, there's a number of my colleagues who are experiencing this same problem. I can't log into my account to pay my loans and thus they are accruing interest and inevitably ( when I can finally access my account ) I will be paying much more than what I was initially charged. I've tried talking with customer service and they didn't help with my problem, for starters before I even spoke to anyone I was left on the line for an hour and half. The real problem is I can't log into my account it will not let me and this even after changing both a username and password over three different times. This happens every time I try and log in it says my password was 'deactivated ' even though I changed it seconds before. This is beginning to be a serious problem as I have student loans that I absolutely need to repay. I have also tried using different browsers and using the mobile version- none of these work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX, I identified XXXX different unauthorized transactions for just under {$5000.00} each made within the last week. Both transactions were titled as " XXXX XXXX ''. I immediately called Wells Fargo to dispute the transactions and file a claim. Banking associates identified both transactions as happening through a service called XXXX, which I have never used. Banking associates declined to cancel the transactions as they were still pending, but went forward with an investigation. My claim was eventually denied, and the bank told me they believe the transaction was completed by me or authorized by me. Following the date of these transactions, I have tried to make an account with XXXX to find out about these transactions but I could not find a record of them. XXXX has provided me with a written document corroborating that there was no record of an account with my name or banking information at the time of these transactions. 

On XX/XX/XXXX, I also received by mail a notice of a data breach from XXXX XXXX, wherein it details that my personal information, including banking information, was compromised at some point in late XXXX this year.

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 2024-11-03 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: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} inquiry XXXX XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: NC

Complaint narrative:
DISPUTING INQUIRIES ONLY please delete and remove the following inquiries from my credit prole due to right to privacy PREVIOUSLY I DISPUTED THE INQUIRIES ONLY NOT ANY PERSONAL ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : 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. I disputed the credit inquiries by phone and online WITH EACH credit BUREAU BEFORE I led THIS adavit. The credit bureaus have failed to remove the disputed information leaving me no other choice but to le this adavit. The credit consumer agencies HAVE violated my rights PREVIOUSLY BEFORE WITHOUT PROPER OPTIONS I have EXHAUSTED ALL MY remedies when disputing incorrect information from the credit prole other than to report to consumer protection agencies. THE ONLINE DISPUTE CENTER portals do not WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute an incorrect address that appears on myEquifax credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 
Incorrect Address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. 

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I was traveling and came home to a two-month-old statement. Fee was assessed XX/XX/year> for {$770.00}. XXXX  XXXX charges had gone up nearly {$150.00} and now a new card fee was introduced. When I called back to complain I was told that there was nothing that could be done about it. When I asked to speak with a supervisor I was given the option of prorating a refund. I was absolutely lied to with their first defense. She was willing to hang up letting me know that there was nothing that could be done, when in actuality, something could be done.

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