vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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: TX

Complaint narrative:
I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking # .is noted on the attached documents. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate.

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 2023-02-23 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: TX

Complaint narrative:
Venmo Personal account base and business account ( XXXX XXXX ). Application does not allow account deletion for business account. Business account must be deleted by Venmo customer service prior to deletion of personal account. Personal account can allegedly be deleted via app after business profile has been removed. 
Although app reflects business account has been removed, application cites business account must be removed first. Venmo customer service is no longer responding to assist in the account closure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Company states the following : Apple Card Customer : XXXX XXXX XXXX, XXXX We reviewed your credit limit increase request. 
Goldman Sachs Bank USA could not approve your request for a credit limit increase because : Your monthly debt obligations are high relative to the income you reported on your application - examples of debt may include credit cards, loans or monthly housing payments ( how so? ) Goldman Sachs Bank USA received your credit score from XXXX XXXX XXXX. ( X ) Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 

Your credit score ( XXXX XXXX Score XXXX ) as of XXXX XXXX, 2023 : XXXX ( Abuse of My Reports Contingent upon " Income Stated '' - 2nd attempt this month for XXXX XXXX XXXX  ( Also Incorrect ) Credit scores range from a low of XXXX  to a high of XXXX. 

Goldman Sachs Bank USA does not make credit decisions on the basis of race, color, religion, national origin, sex, sexual orientation, gender identity or expression, marital status, age, or military status, among others. We also do not consider your assets in checking, savings, or investment accounts unless you were asked to provide this information during your Apple Card application. 

Learn more about how your Apple Card credit limit was determined Your credit line increase request did not result in a hard inquiry on your credit report. 

Key factors that adversely affected your XXXX XXXX Score XXXX : Length of time accounts have been established Lack of recent installment loan information Too many inquiries last 12 months No recent bank/national revolving balances If you have any questions regarding your credit score, you should contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX This decision was based in whole or in part on a report from the consumer reporting bureau ( s ) listed below. The bureaus themselves played no part in making this decision and are unable to supply specific reasons why your credit request has been denied. 

You have a right under the Fair Credit Reporting Act to know the information contained in your credit file. You also have a right to a free copy of your report from the reporting bureau ( s ), if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report ( s ) you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting bureau ( s ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Company will also not lower APR ( I have many cards, which have been paid on time every month in full for over 5 years )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Since XXXX last year credit drops XXXX points, back up XX/XX/ 2023 and again XXXX XXXX, 2023 XXXX points down. Reach out to credit bureaus and being told to get a XXXXinancial advisor as they just explain the factors. Credit has not have any drastic change, if anything should be positive as an old account was removed and balances lowered. I need this to be verify as I can never be at peace knowing my credit score is accurate or at least I am being informed of any changes. I understand 5-10 even 15 but XXXX point is just concerning and they really do not help.

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 2023-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed a couple accounts reporting on my credit that I do not recognize

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 2023-02-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed a couple accounts reporting on my credit that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states consumer reporting agency can not furnish in account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for purpose of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: PA

Complaint narrative:
I went to some car dealerships and my credit was ran more times than I authorized. I would like to have them removed. 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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I went to some car dealerships and my credit was ran more times than I authorized. I would like to have them removed. 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 explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 

I have already disputed with each bureau, but they did not remove nor prove validation. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from 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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
the company TRANSWORLD SYSTEM INC. tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed with an innacurate amount and bought from another company. when i never signed any documents with this debt collector and must be removed as soon as possible. 

In Accordance with the Fair Credit Reporting act XXXX the Account from, TRANSWORLD SYSTEM INC account number XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Experian, I am writing about account XXXX on my credit report and to request that you either provide a method of verification or permanently delete the account. I previously disputed this account with you, and you responded by stating that it was verified and validated as accurate. However, I have since followed up with the original creditor, and they were unable to fulfill my request for validation of the account. 
I am aware that it is my right by law pursuant to 15 USC 1692g to request validation of a debt, and it is concerning that the original creditor was unable to provide any relevant information relating to the debt. Additionally, the original creditor informed me that the account had reached the statute of limitations and that they were no longer actively attempting to collect on the account. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I would like to remind you of the responsibilities of the Credit Reporting Agencies to report complete and accurate information. It is my belief that proper procedures were not followed in the investigation of my dispute, and this behavior could constitute fraud, identity theft, and false and inaccurate reporting. 
This letter is my final attempt to address this issue before I exercise my legal rights as a consumer. I urge you to investigate this matter and take appropriate action to rectify the situation. Failure to do so may result in further legal action on my part. 
Please provide me with a method of verification for the account or remove it permanently from my credit report. I look forward to hearing from you soon. Please provide evidence of the reasonable procedures used to determine the validity and accuracy of the information. Please provide the names numbers and addresses of the people contacted for you to come to your conclusion to insure your procedures were reasonable, impartial, and fair to preserve the rights of the consumer. 
Please provide Documentary evidence and any other valid information. Please request the Disclosure from the furnisher that I signed giving your company permission to furnish the account as a failure to do so could constitute identity theft because my private protected non public information is being shared between two companies in a business transaction that does not involve me except to harm my reputation. 
Please send all required Documents.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
Since XXXX last year credit drops XXXX points, back up XX/XX/2023 and again XXXX XXXX, 2023 XXXX points down. Reach out to credit bureaus and being told to get a financial advisor as they just explain the factors. Credit has not have any drastic change, if anything should be positive as an old account was removed and balances lowered. I need this to be verify as I can never be at peace knowing my credit score is accurate or at least I am being informed of any changes. I understand 5-10 even 15 but XXXX point is just concerning and they really do not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
Since XXXX last year credit drops XXXX points, back up XX/XX/2023 and again XXXX XXXX, 2023 XXXX points down. Reach out to credit bureaus and being told to get a financial advisor as they just explain the factors. Credit has not have any drastic change, if anything should be positive as an old account was removed and balances lowered. I need this to be verify as I can never be at peace knowing my credit score is accurate or at least I am being informed of any changes. I understand 5-10 even 15 but XXXX point is just concerning and they really do not help.

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 2023-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX filed XX/XX/XXXX. XXXX XXXX included. XXXX XXXX. 
XX/XX/XXXX XXXX  XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX issued. 
XXXX picked up by lender. 
Letter dated XX/XX/XXXX received claiming debt was written off XX/XX/XXXX and amount may be taxable. 
XX/XX/XXXX IRS form 1099-C received for {$65000.00}. 
XX/XX/XXXX called Santander and told them this was an old debt that had been discharged in XXXX XXXX  and gave them the case number. They said they would look into it and I was instructed to call them back in 2 days for their decision. 
Called back XX/XX/XXXX. Gave Santander the information again. They told me to email copies of the letters they had sent and they told me to call again in 5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My loan provider informed me that I owe all my federal debt that I have already paid. They are telling me that I owe this money because a check has been sent from the department of treasury for the amount of my debt, so for some reason that means I owe my full debt. This is affecting my credit score EXTRODINARILY. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good morning, I have a complaint against Capital One credit card department. In XX/XX/2023 I was issued a business credit card by Capital One, but I was never given online access to my account to be able to see my balance, purchases, add an accountantetc. I have contacted their customer service department over 7+ times, went through the same steps to fix this technical issue online then told to wait for 5-7 business days for them to resolve this issue but in the end, nothing happens, and I must call again, thus wasting countless hours with them on the phone to no avail. As a result of this, I will probably end up losing the introductory offer on my credit card for not using it. This is a decision I made because Im unable to view my transactions if I used the card or know my balance.

I was never given a case number, and no one from capital one ever bothered to follow up on this issue. Ive been a customer with them for a few years now and Im appalled by the degree of negligence they have shown towards me. All Im asking for is online access to my account to be able to run my business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: PA

Complaint narrative:
Im in the process of buying a home and found fraudulent accounts from DEPTEDXXXX on my credit report in XXXX so I disputed them. The credit bureau did not conduct an investigation. I called twice and both of the customer service representatives told me that they refuse to investigate because there were several payments made on the accounts, so the DEPTEDXXXX accounts are mine and will not be remove. This credit bureau violated the Fair Credit Reporting Act! This unlawful conduct has cost me a lot of stress and financial hardship. 

The DEPTEDXXXX  tradelines on my credit report are fraudulent, inaccurate and incomplete. 
I do not have an account with DEPTEDXXXX. DEPTEDXXXX  accounts have no alleged credit limit, no terms, no scheduled payments and have an incomplete name or a not an actual entity. 

DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX CFPB please require this credit bureau to abide by FCRA and conduct a through investigation.

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