vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: NY

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. XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX, has violated my rights. 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 2024-03-02 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: AL

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX  XXXX ( BANK ), Inquiry Date : XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Experian ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

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 2024-03-02 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: OH

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 XXXX 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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On my account ending in XXXX XXXX XXXX XXXXXXXX there are numerous XXXX charges. That have not been removed from my account yet because of that it shows that Im past due when Im not the XXXX charges need to be investigated. There were also XXXX  and XXXX accrued illegally during the investigation Period

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 2024-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am an XXXX XXXX I have an education award. On XX/XX/2024, I authorized a payment in full to Nelnet, which was confirmed by the XXXX portal. For what would not be the first time, Nelnet has decided to deprive me of XXXX  by refusing to credit this to my account. Their customer service is not working today. I am instead asking for Nelnet to be fined, my money reimbursed and a written letter on behalf of Nelnet to credit agencies admitting the company 's negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

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 2024-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Someone XXXX purchased items from Best Buy using my account sometime in XX/XX/2023 I noticed this and immediately called to cancel my card and notify best buy that this was an XXXX purchase, they knew it wasnt me who made it authorized this purchase and said they would remove it from my account and may take up to XXXX XXXX cycles for it to clear and its been XXXX of constant calling all to be told every time that its still under investigation with no resolution in sight

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 2024-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a XXXX form from Block Inc. f/k/a Square, Inc./Cash App stating that I earned {$77000.00} in revenue during XXXX and XX/XX/XXXX. I initially thought that the form came from Square, as I have an unused business account with them though I didn't have any transactions with them during XXXX. My account showed that I did not do any business and that they did not issue a XXXX form. I contacted Square and they used the account number on the XXXX to determine that it did not come from them. On XX/XX/XXXX, they stated that it came from Cash App and advised me to contact them. However, I do not, nor have I ever had a Cash App account. 

On XX/XX/XXXX, I contacted Cash App by phone and explained my situation to them. They said that they would escalate my concern to the tax department. 

On XX/XX/XXXX, I received the following response : " If you would like to further pursue this claim, you may wish to contact local law enforcement. Cash App will cooperate with any active investigation and provide any supporting documentation that may assist with their investigation in the matter. 

Law enforcement agents may submit a request for information electronically ( https : //block.xyz/legal/government ) Note : Block does not respond to correspondence sent by non-law enforcement/ government agencies to the addresses above. 

Thanks, XXXX '' On XX/XX/XXXX, I reached out again via email attempting to clarify my situation and asking for a corrected XXXX form. The responded again that they would not speak with me but only law enforcement officials. 

On XX/XX/XXXX, I reached out via X ( XXXX ) on and received the same first response as I had received via email. 

On XX/XX/XXXX, I was in contact with the Maryland XXXX Attorney XXXX XXXX and was instructed to review my credit reports and XXXX XXXX, all of which came back clear. It was determined that it was not likely a case of identity theft. This contact asked me to speak with Cash App XXXX more time to explain this to them. 

On XX/XX/XXXX, I called Cash App and I was given a link to create a ticket, however you must be a Cash App account holder to access the link. Again, I am not a Cash App user. 

The tax deadline is approaching and this is a time sensitive issue. Not having the correct information reported to the IRS will create a significant tax liability. 

I am happy to provide screen shots of customer support emails from Square and Cash App as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
there is a late payment in account that need to be removed 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 explanation
Consumer complaint received 2024-03-02 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: 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. 

XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 
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 2024-03-02 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: Experian Information Solutions 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. 

XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 
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 explanation
Consumer complaint received 2024-03-02 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: AL

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX  ), Inquiry Date : XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Equifax ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SUNCOAST CREDIT UNION
State: NC

Complaint narrative:
To : CFPB XX/XX/2024 Thank you in advance for your assistance, I have a durable power of attorney approved by my sister and Suncoast credit union in Florida. It includes the valid use of online banking. I have used it for 2 years to handle my sister 's finances thru online banking. For the past month now, they will not allow me to access online banking. I have been advised by their Special Accounts Dept that their members may access online banking but no with a POA is permitted to access online banking. 
My sister has XXXX XXXX and can not handle her finances. 
Attached is her Confirmed XXXX XXXX 
How might I pursue, to the best of my ability, to handle my sisters finances? 

This is what Suncoast credit union advised : " Suncoast does not provide online banking to any POA Agents due to our system limitations and security concerns this is not a rejection of your sister 's POA, but the credit unions incapability to provide system access. '' Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I attempted to use the card to pay for my child 's tuition in the amount of {$500.00} on XX/XX/XXXX and the transaction was declined. Somehow this triggered an automatic credit by the school for {$500.00}. The starting balance of the gift card was {$500.00}. After the credit, it was {$1000.00}. The card issuer froze the card and made it unavailable for use. When I contacted them by phone on XX/XX/XXXX, the representative advised that the card was frozen due to the amount exceeding the card balance. They said it will take XXXX months to resolve this issue, which sounds extremely excessive and unreasonable. I am concerned if this is legally allowed. 

I emailed them on XX/XX/XXXX and XXXX with the receipt showing the credit that was issued by the vendor due to the declined transaction. I explained to them previously that there was no purchase receipt because on the vendor 's side, the transaction never posted. 

When I called them today to follow up ( XX/XX/XXXX ), they said the case was closed because they did not have the purchase receipt. I was never contacted with this update. 

As well, I had other gift cards by this issuer that have been extremely difficult to use in standard transactions. Because they were gifted to me, I am stuck with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Climb Credit Inc.
State: TN

Complaint narrative:
I cosigned a private student loan for my daughter. The debt was originally with Climb XXXX. My daughter and I reached out to climb XXXX on XXXX XXXX to advise that we would like to pay the debt. We was advised that the loan was no longer with them and given to collection company XXXX XXXX. The loan was sent to the collection company XXXX XXXX. The debt was paid off on XX/XX/XXXX in full and was advised that XXXX XXXX would send a letter to delete the debt to all the reporting credit bureaus within 90 days of payment. My daughter received a letter through email from XXXX on the date of payment XXXX XXXX and forwarded it to myself. As of XX/XX/XXXX the debt remains on credit report with XXXX, XXXX, and XXXX. We called and spoke with XXXX at XXXX on XX/XX/XXXX and was advised that they had sent communications to all credit bureaus to delete the debit and that was for myself included due to being a co-signer on the loan. We advised XXXX that the debt was still present and XXXX advised that we needed to deal with credit bureaus directly. We called and spoke with a representative at XXXX that same day as to which we were advised they had not received any documentation from XXXX XXXX. 



The account number of the debt is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear MACYS/CBNA XX/XX/2024 Per the FCRA as a federally protected consumer and for The code for " Paid as Agreed '' on the CFPB ( Consumer Financial Protection Bureau ) is AP. 
This code is used to indicate that the consumer has made all payments as agreed upon in the loan or credit agreement, and there are no payment issues or disputes.

also 15 USC 6802, which is a section of the United States Code that relates to the Fair Credit Reporting Act. Specifically, 15 USC 6802 defines a " charge-off '' as a " certificate of indebtedness ''. meaning it should not be reported on my credit as debt

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 2024-03-02 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: AL

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX, Inquiry Date : XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Transunion ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

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 2024-03-02 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 of 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 explanation
Consumer complaint received 2024-03-02 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: Experian Information Solutions 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.

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 explanation