vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: WA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: WI

Complaint narrative:
XX/XX/XXXX, XXXX Nelnet sold the debt to XXXX Loans. 

XX/XX/XXXX, XXXX Nelnet balance shows XXXX. 

Proof : XXXX ) I have a letter from Nelnet indicating there is no balance with them, yet they are still reporting a balance of over XXXX. 
XXXX is ignoring the hard documentation issued by the Nelnet. 

XXXX ) Student portal shows no balance as of XX/XX/2023. 

Disputes Resolved disputes You've previously resolved XXXX disputes with XXXX You've previously resolved 10 disputes with XXXX DEPT OF ED / NELNET Submitted on XX/XX/2023 Not Changed DEPT OF ED / NELNET Submitted on XX/XX/2023 Not Changed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
XXXX has inaccurate information on my credit report about New City Funding account # XXXX stats that I made a payment XX/XX/2019 I never made a payment to the Company in 2019  of XXXX falsely updating information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: Chime Financial Inc
State: CA

Complaint narrative:
Ive received multiple emails from chime.com, and never applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was sent a collections notice from the Portfolio Recovery on XX/XX/23 On XX/XX/23 I sent them a demand for investigation under the Fair Credit Reporting Act section 623 subsection 8D Proving that they have any rights to collect alleged debt. 

I received verification of debt on XX/XX/23 I then sent a second demand on XX/XX/23 explaining my first letter was a proof of contract and not a request for verification. I received back a letter explaining that's all the information I would receive. They have since placed my information on the credit reporting agencies and directly are affecting my credit history. 

on XX/XX/23 I received notice from XXXX and Assoc out of XXXX Tx notifying me that I had been placed for collection with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear PayPal Support, I am writing to seek your urgent assistance regarding a matter that has caused significant distress and inconvenience for me.

I swear I am a poor person and I am facing financial issues. I beg to you its a request please lift limitations or release my funds. I have no words how to explain my condition. Its my request please help me, I am in very bad condition. You have your own family so please help me in this situation and release my funds or lift all limitations. 
I trust you will help me On XX/XX/, I engaged with a PayPal support representative via chat, and following our interaction, I was informed that by submitting my photo ID and bank statement, any limitations on my account would be promptly lifted. However, to my dismay, within five minutes of this resolution, my account was inexplicably restricted permanently. 

I want to emphasize that I swear I have not engaged in any activities that would warrant such severe measures. In my earnest effort to resolve this matter, I am attaching my bank statement and photo ID for your thorough review. I understand the importance of adhering to PayPal 's policies and assure you that I have always maintained the utmost compliance.

I find myself in a challenging financial situation, and the limitations on my account have only added to my difficulties. I humbly request your kind intervention to reconsider the imposed restrictions and facilitate the release of my funds. I am a humble individual facing financial hardships, and this situation has left me in a state of distress. 

I sincerely appeal to your compassion and understanding, as I trust in PayPal 's commitment to fairness and customer support. I implore you to consider the impact this has on my life and the lives of those who depend on me. Your assistance in this matter would be profoundly appreciated, and I am confident that, with your help, a resolution can be reached promptly.

Thank you for taking the time to review my case. I am hopeful that you will extend your support in lifting the limitations on my account and releasing my funds. 

Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
I am writing to file a formal complaint against Capital One for improper use of my consumer report and continued reporting of an account that was allegedly included in a bankruptcy in XXXX. I have contacted Capital One, expressing my desire to opt out of any use or sharing of my nonpublic personal information, and despite my efforts, the issue persists. 

Capital One has improperly used my consumer report in violation of my rights. Despite my clear indication to opt out of any use or sharing of my nonpublic personal information, Capital One has continued to access my consumer report without authorization. An account that was allegedly included in a bankruptcy in XXXX is still being reported by Capital One. This reporting is inaccurate and has a detrimental impact on my credit history. 

I have previously contacted Capital One XXXX XX/XX/XXXX by telephone and by notorized formal written request, to address these issues and have opted out of any use or sharing of my nonpublic personal information. Despite my efforts, the problems persist, and I have not received a satisfactory resolution from Capital One. 

I request that the Consumer Financial Protection Bureau investigate the improper use of my consumer report by Capital One and their continued reporting of an account supposedly included in a bankruptcy. 
I request that Capital One be required to promptly remove any nonpublic personal information they have inappropriately accessed or used. 
I request compensation to the maximum extent allowed by law for the inaccuracies in reporting, the improper use of my consumer report, and any resulting harm to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Account XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
. 
XX/XX/2023 Claim was filed by me over the phone for unrecognized pending charges to my account not done or authorized by me. 
XX/XX/2023- JP Morgan Chase Bank credited my account for the unrecognized charges to my account I had reported. 

XX/XX/2023 I Called JP Morgan Chase Bank to inquire about the reversal of the credit made on XX/XX/2023. The representative said to call back at later time that day. The claims department did not open until XXXX eastern standard time.. 

XX/XX/2023 Called JP Morgan Chase Bank for second time that day to inquire regarding the reversal of the credit. Representative stated that after their investigation it was determined XXXX XXXX was used by phone to make the transactions. I explained to the representative that it was not me who made those charges and do not know how my account was accessed. I was also told that my filing was not done in a timely manner, which I feel my reporting of the fraudulent charges were not delayed. As soon as I became aware of the charges on my account I immediately reported the charges ( XX/XX/2023 ). At that time some of the charges were still pending and that is the first moment I became aware of the fraudulent charges. The pending charges prompted me to look at past transactions and thats how I became aware of the other fraudulent transactions that had already been processed/paid from my account ( later told that I am at fault for not reporting immediately ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: WI

Complaint narrative:
XX/XX/XXXX, XXXX XXXX sold the debt to XXXX Loans. 

XX/XX/XXXX, XXXX XXXX balance shows XXXX. 

Proof : XXXX ) I have a letter from XXXX indicating there is no balance with them, yet they are still reporting a balance of over XXXX. 
Transunion is ignoring the hard documentation issued by the XXXX. 

XXXX ) XXXX portal shows no balance as of XX/XX/2023. 

Disputes Resolved disputes You've previously resolved 10 disputes with TransUnion You've previously resolved 10 disputes with TransUnion DEPT OF ED / XXXX Submitted on XX/XX/2023 Not Changed DEPT OF ED / XXXX Submitted on XX/XX/2023 Not Changed

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 2024-01-04 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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: AMERICA FIRST FEDERAL CREDIT UNION
State: OR

Complaint narrative:
America 's First Credit Union is an esteemed credit union in the United States, unfortunately they are currently reporting on a ghost debt that was paid off in XXXX. This ghost debt is not only still on my credit report, but the company is now refusing to remove the negative marks and late payment history from my credit report or file for a recorded closed and paid off secured card, or tradeline as XXXX, the associate helping with the matter explained. Reporting on or trying to collect a ghost debt that is almost 7 years old is illegal and unlawful. The reporting of a ghost debt in the attempt to collect said ghost debt is illegal and unlawful and does not give creditors an accurate scope of my creditworthiness and instead muddies it up and I have to prove my merit to the creditor by disproving these vicious credit predators and their counterpart credit reporters! America 's first credit union, XXXX, XXXX XXXX and XXXX are all to blame on this ghost debt from XXXX still haunting my credit profile into XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: CO

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
Consumer complaint received 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
The representative was very rude she was waving her hands and rolling her eyes and being very belligerent. She did not want to disclose her name or how much services would be when asked. She was very unprofessional and dressed in bed attire while on duty. She appeared to not be interested in working or providing customer service. This location is in XXXX on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TX

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2024-01-04 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: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2024-01-04 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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