vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 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: IL

Complaint narrative:
I have had a XXXX XXXX XXXX XXXX  with a {$13000.00} balance on my credit report since XX/XX/2014, in which Transunion had recently decided to close by mistake. This account should still be Open and reporting on my 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 2023-12-17 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I'm trying to get dates and amounts of every overdraft fee I have gotten since I opened the account. and questions answered about why they keep opting me in overdraft protection without my authorization and why my pending and approved transactions always seem to rearrange themselves every Tuesday morning in a way that makes my account go into the negative. Regions bank is doing some shady stuff for real.

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 2023-12-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
XXXX reporting information is inaccurate and according to the FCRA this account has to be deleted for reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please 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 non-monetary relief
Consumer complaint received 2023-12-17 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: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Credit Reports didn't correct wrong information concerning an Auto Loan with Green State Credit Union. The loan was NOT part of the bankruptcy, document provided. Green State Credit Union will not correct the error. I have sent documents to GSCU ( bankruptcy record and open Auto loan account ) loan is open and is being paid consistently on time with no delinquent or late payments. I have been denied housing because of bad credit including the incorrect item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been trying to fix my credit for years. I have paid lots of money to credit repair agencies and my credit is still an issue. As a regular consumer who doesnt understand how to fix my creditit becomes very overwhelming! I am trying to buy a house a call and even opening a simple checking account has become difficult. Due to circumstances I no longer have dates, amounts etc. I do know there are charge offs with balances and debt that has been on my credit report longer then XXXX yrs that continues to be sold to third party companies. Please help me gain my creditworthiness back.

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 2023-12-17 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: MOHELA
State: CT

Complaint narrative:
On XX/XX/XXXX my father and I sent in a check in the mail for {$10000.00} to my MOHELA student loan as we are ready to pay it off in full. The check had my account info and a letter enclosed of what the check was for. The check was cashed on XX/XX/16. After calling MOHELA customer service XXXX times, being left on hold for XXXX hours daily, and submitting proof of the check being cashed customer service has not helped one bit in telling me why my money has not only not been applied to my account but it is lost in their system. MOHELA cashed my check and refuses to document that anywhere. Upon hours with unhelpful XXXX, we learned that MOHELA is marketing their new platform on their current platform and we apparently sent the check to their new XXXX XXXX XXXX though it was listed on their website to send checks to. MOHELA said they would submit a claim which could take XXXX business days but I am not sure this will go anywhere. There is no reason why MOHELA cant note to submit my payment to the correct XXXX XXXX XXXX few towns over or refund my payment. I am left paying more interest on this loan and XXXX negligence is causing mental and financial stress on my family as this loan should have been paid off by now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: TX

Complaint narrative:
XXXX reporting information is inaccurate and according to the FCRA this account has to be deleted for reporting inaccurate information.

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 2023-12-17 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: TX

Complaint narrative:
XXXX reporting information is inaccurate and according to the FCRA this account has to be deleted for reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: TX

Complaint narrative:
XXXX reporting information is inaccurate and according to the FCRA this account has to be deleted for reporting inaccurate information.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Asked company for credit score and credit report despite paying them monthly with no assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Per XXXX, enacted in XXXX, is a federal law designed to safeguard the privacy of student education records. As per Section 20 USC 1232g ( b ), XXXX applies to any public or private elementary, secondary, or post-secondary school. It grants students the right to control the disclosure of their education records, ensuring that such information is not disclosed without their consent. I sent letter to Nelnet on XX/XX/XXXX to cease reporting my information to the all credit reporting agencies, including XXXX, XXXX, and XXXX effective immediately and indefinitely. I obtained my credit report on XX/XX/XXXX and it is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Sent out letters to all 3 credit bureaus to get inaccurate information 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 non-monetary relief
Consumer complaint received 2023-12-17 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: NC

Complaint narrative:
Sent out letters to all 3 credit bureaus to get inaccurate information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: GA

Complaint narrative:
I moved from XXXX XXXX XXXX  at the end of XXXX. When I updated my auto insurance, my rate increased by almost 60 % ( and I have a good driving record ). My insurance carrier provided information on how to contact LexisNexis to obtain a copy of my XXXX XXXX Report which was a factor in determining my rate increase. I have attempted to do this twice online and once via their automated telephone line where you can not reach a human being, and continue to receive letters via US Mail over a week later that they are " unable to process request '' even though I have provided them with my drivers license number, full name, current address and zip code, current phone number, full social security number and full date of birth. 

They are requesting additional documentation to prove I am who I say I am which they should already know, or be able to easily ascertain through their client, my insurance carrier. There also was no opportunity on their online portal to submit this type of documentation. 

According to my insurance company, I only have 60 days to receive a copy of the LexisNexis report they considered. I feel like LexisNexis is deliberately giving me the runaround and making it difficult to impossible to obtain this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: GA

Complaint narrative:
This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove these accounts and inquiry.

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 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I wrote a check XXXX XXXXXXXX for {$3300.00} to XXXX XXXX XXXX XXXX XXXX XXXX. Check was NOT cashed by XXXX XXXX XXXX. Check was cashed by XXXX XXXXXXXX XXXX XXXX, Citizens Bank. 
On my behalf XXXX Bank has reached out to bank of XXXX XXXX  Citizens Bank on XXXX XXXX, XX/XX/2023 & XX/XX/2023 to get a response ; however still no response from XXXX XXXX, Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Bitstamp USA, Inc.
State: NY

Complaint narrative:
Hi, i was scammed by a XXXX XXXX supposedly living in XXXX XXXX, yes she was real i XXXX  her to make sure of that before i started investing with her. Now in actuality it didn't seem like i was investing my money with her. She introduced me to an app that if you look up is a legit app called XXXX. The app is a real legit app, but the link she sent me was to an app that looked just like it. So that app i was actually on was a fraudulent app. It had customer service and everything. It was all quite a good scam. I ended up sending my money to my wallet in bitstamp and through that i would send it to the Wallet id in the app. You guys shut my account down and i have no access to it anymore! no reason was given for this either. I want my account reinstated so i can show you those transactions as well. This is totally illegal : not allowing me the proof I need to reveal transactions that show the carelessness of the bitstamp company.

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 2023-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MS

Complaint narrative:
EdFinancial Services has been sending me emails ever since I first signed up for student loans back in XX/XX/2021 about making an account and making my first payment, with the total loan amount being {$5500.00}. The problem lies in the fact that I have already been paying off my student loans through a different company ( XXXX ) that was issued to me by the school I attended at that time with an amount financed of {$7000.00} ( tuition for the course I was enrolled in was around $ XXXX, and scholarships knocked $ XXXX off of that ). I finally made an account on the new EdFinancial Services website recently just to see what was going on and EdFinancial still has my loan at the starting amount plus interest and a couple of late fees. I am almost finished paying off my student loans, however, I am still to this day getting emails from them about making my first payment. On credit check sites, the student loan tab continues to have the max amount for it because they cite EdFinancial as my loan provider, but on those sites, state that I have never missed a payment ( which I haven't ). I want to know if there is some kind of mistake behind the scenes or if they are even aware of the current situation regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Paramount recovery has called me numerous of times. They called me on XXXX XXXX XXXX XXXX XXXX in the XXXX. I answered one called and they couldn't Identify me. They wanted me to tell my name. I didn't acknowledge them. I hung up the phone. They submitted an collection on my credit report. Please help me with this situation. 
Thank You XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: SD

Complaint narrative:
I received this email : Dear XXXX, We've noticed that you haven't used your Netspend All-Access Account account ending in XXXX, in quite some time. To avoid losing access to your account, please log in online to view all of the features that you have available or to order a new card if needed. 

Sincerely, Netspend All-Access XXXX The Netspend All-Access Account is a deposit account established by XXXX, XXXX XXXX XXXX Member FDIC XXXX Netspend is a service provider to XXXX, XXXX. Certain products and services may be licensed under U.S. Patent Nos. XXXX and XXXX. 
Netspend Corporation XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX Netspend Corporation XXXX All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.

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 2023-12-17 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: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
My Complaint involves Citizen 's Bank and XXXX XXXX. Citizen 's Bank reported a false account on my credit report, a revolving account for {$88.00} a month which I never agreed to. I immediately called the company on numerous occasions advising that I never agreed to this, I asked for a copy of any contract that they have to see if there are fake signatures or find out why they think I have obligated myself to pay this and they said they do not have one, and advised me to contact XXXX. I contacted XXXX to complain and ask for any contract or proof and they too said they do not have this information, to contact Citizen 's Bank. I then demanded that any accounts I tried to have with XXXX be canceled because I never agreed to this and to remove from my credit report. Instead they continued to report to the credit bureaus, reporting late payments that I never agreed to, thus lowering my score. I have disputed with the bureaus with results that it was " Verified. '' How can this be verified with no proof, no contract. I do now owe this debt, I do not know the terms of this debt, no APR, nothing other than the fact that they want me to pay {$88.00} per month for a XXXX vacation package that I tried to sign up for, which based on what was represented to me by XXXX would have cost me {$17.00} per month. I have no idea where this {$88.00} per month materialized from. I NEVER AGREED TO PAY THAT TO CITIZENS BANK OR XXXX. I sent both companies cease and desists letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
A schools first car loan was opened for a used car. 
Schools first receives payments on time from me and continously has reported late payments, without demonstrating any proof or evidence to substantiate the claim. 
Account opened : XX/XX/XXXX Account amount : {$30000.00} I went into the branch and personally spoke to the manager and called customer service for schools first to correct the inaccurate information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: PA

Complaint narrative:
it is my understand that a credit card account can not be deemed over the limit solely on the imposition of interest on that account ( 1026.56 ( j ).

All of the other credit cards issued by banks appear to comply with this interpenetration of this rule except this one. 

Their response did not make sense to the complaint and copies presented were in a font of a copy so small as to be unreadable under normal vision.

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