vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
Someone used my information to apply for XXXX XXXX XXXX XXXX XXXX bank, Navy Federal credit union for a credit and auto loan which I didnt authorized it and its sent to collection thats hurting my credit every now and then and needs it to be removed XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX  {$980.00} XX/XX/XXXX XXXX XXXX XXXX  {$320.00} XX/XX/XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX Someone uses my information to apply for all these and wants it to be removed thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
Total Card XXXX XXXX XXXXi charged off my card without giving me an opportunity of arbitration per our contractual agreement due to discrepencies and payments. They wrote off the debt for {$510.00} and reported the charge off to the credit bureaus, then later sold the debt to XXXX XXXX. They are both reporting me as delinquent for the debt. The debt should have never been write off or sold without arbitration when the debt amount was in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: Nelnet, Inc.
State: FL

Complaint narrative:
The Family Educational Rights and Privac

y Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. See 20 USC1232g ( b ). Remove my student loans from my account, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
A consumer transaction that took place XX/XX/2022 between XXXX of Mobile/JP Morgan Chase Bank and myself. I am trying to Rescind my contract due to the failure of the creditor providing me proper notice in accordance to 15 USC 1635 ( i ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX bankruptcy discharged Account # XXXX. 
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.

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 2023-08-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
All three agencies have continuously violated and continue violating my federally protected rights as a consumer, privacy through privacy act of 1974 and as follows THE PRIVACY ACT OF 1974 : The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete; and.

15 U.S.C. 1981 SECTION 2 A State that I, as a consumer, have the RIGHT TO PRIVACY 15 U.S.C. 1981 SECTION 604 SECTION 2 : States that a consumer reporting agency CAN NOT furnish any information on my account without the expressed written instructions of the consumer which is I, and no agency Transunion, XXXX, XXXX has attempted to receive written instructions from I, the consumer, nor have they received any such instructions. My federally protected rights have been continuously and maliciously been violated and neither has attempted to correct to this date. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2023-08-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
All three agencies have continuously violated and continue violating my federally protected rights as a consumer, privacy through privacy act of 1974 and as follows THE PRIVACY ACT OF 1974 : The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete; and. 
15 U.S.C. 1981 SECTION 2 A State that I, as a consumer, have the RIGHT TO PRIVACY 15 U.S.C. 1981 SECTION 604 SECTION 2 : States that a consumer reporting agency CAN NOT furnish any information on my account without the expressed written instructions of the consumer which is I, and no agency XXXX, XXXX, Equifax has attempted to receive written instructions from I, the consumer, nor have they received any such instructions. My federally protected rights have been continuously and maliciously been violated and neither has attempted to correct to this date. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS : ( XXXX ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I sent out identity theft letters to these companies in regard to1 8 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am willing to settle their civil liability damages I have suffered as a result of their violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, American Express, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I sent out identity theft letters to these companies in regard to1 8 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am willing to settle their civil liability damages I have suffered as a result of their violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have recently pulled my credit report in preparation for a home purchase and saw I had an account in dispute status. I called all 3 credit bureaus to get this creditor remark removed an was assured it would be removed. I pulled credit reports again on XX/XX/XXXX and saw the remarks still on my report so I called AGAIN and was assured they would be removed. To date XX/XX/XXXX, they are still showing on my credit report. This is causing me delay in getting my mortgage. This is VERY damaging to me as I was assured twice now that this would be resolved in 48-72 hours. 

ALL DISPUTE NOTATION IN THE CREDITOR REMARKS MUST BE REMOVED FROM MY REPORTS. I DO NOT DISPUTE ANYTHING ON MY CREDIT REPORT. ANYTHING SHOWING DISPUTE ON MY FINE IS INACCURATE INFORMATION AND AS SUCH NEEDS TO BE REMOVED FROM MY FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have recently pulled my credit report in preparation for a home purchase and saw I had an account in dispute status. I called all 3 credit bureaus to get this creditor remark removed an was assured it would be removed. I pulled credit reports again on XX/XX/XXXX and saw the remarks still on my report so I called AGAIN and was assured they would be removed. To date XX/XX/XXXX, they are still showing on my credit report. This is causing me delay in getting my mortgage. This is VERY damaging to me as I was assured twice now that this would be resolved in 48-72 hours. 

ALL DISPUTE NOTATION IN THE CREDITOR REMARKS MUST BE REMOVED FROM MY REPORTS. I DO NOT DISPUTE ANYTHING ON MY CREDIT REPORT. ANYTHING SHOWING DISPUTE ON MY FINE IS INACCURATE INFORMATION AND AS SUCH NEEDS TO BE REMOVED FROM MY FILE.

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 2023-08-21 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: EdFinancial Services
State: FL

Complaint narrative:
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XX/XX/1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school.

See 20 USC1232g ( b ).

Remove my student loans from my account, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: GA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
The account is showing as charged off even though it has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: Army and Air Force Exchange Service
State: KS

Complaint narrative:
Someone used my information to apply for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX for a credit and auto loan which I didnt authorized it and its sent to collection thats hurting my credit every now and then and needs it to be removed XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX  {$980.00} XX/XX/XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXX XXXX XXXX {$210.00} XX/XX/XXXX Military star card {$13000.00} XX/XX/XXXX Someone uses my information to apply for all these and wants it to be removed thank you

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 2023-08-21 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: VA

Complaint narrative:
My loans had been paid off since XXXX and when student loan refund talks began I requested my refund from my provider totaling {$9900.00} which is what my account should now reflect as what I owe. The balance they have reflecting is incorrect, the attached documents I sent them on XX/XX/XXXX show the checks and proof of what was sent to me as a refund and what was cashed on my behalf that totaled {$9900.00}. 

When I try to look at my balance history it no longer exists and XXXX XXXX as a loan provider deleted and got rid of all previous payment history and prior balances on the account for me to view. I am aware that requesting a refund readjusts my total debt on my account but being that I had paid off all loans, meaning my account was at {$0.00} and my total refunds were for {$9900.00}, my account should be reflecting as such. In other words, my account should reflect a balance of {$9900.00} and not $ XXXX that it currently reflects. 

I keep getting told it won't be fixed until the transfer is complete but it has been more than 6 months in the state of " transferring ''. At one point my account showed the correct balance of {$9900.00} but that is no longer the case as it shows a balance of $ XXXX. I am also unable to create a new account as mentioned in the email and website and when I finally did it over the phone it only worked once and now gives me an error page every time I try to log in. Repayment will initiate soon and it seems like this wont be done until after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have money in my account and capital one would not let me withdraw it. They told me if I drove to a capital one cafe that they would be able to increase my limit. I drove all the way there and they could not. I had no way to access cash in my account when I needed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: NM

Complaint narrative:
On XX/XX/XXXX received an email from XXXX XXXX They monitor my credit report and informed me that some negative information had been posted to it. I called the collection agency, XXXX, indicated in the XXXX email and was given the following information : Loan Amount : {$1700.00} Loan Date : XX/XX/XXXX Loan Issuer : The Check Giant NM LLC d/b/a/ CashNetUSA, XXXX. XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. In XX/XX/XXXX I was XXXX The home address used was one that I had not been living ay since XX/XX/XXXX, and telephone numbers were from a completely different State. 
I have reported this Identity Theft to the New Mexico State Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I had an account with XXXX that was reported at {$0.00} and closed who is the only other party on original contracts for both contracts of {$1700.00} and {$1000.00}. I then received a new balance from a different company by the name of US DEPT OF EDUCATION which are reporting two different balance for the same contact. I have never had a account or contract with this company nor did I authorize the company to use my person and private information. This is fraud and misrepresentation of my accounts. " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''

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 2023-08-21 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: WI

Complaint narrative:
I had an account with XXXX that was reported at {$0.00} and closed who is the only other party on original contracts for both contracts of {$1700.00} and {$1000.00}. I then received a new balance from a different company by the name of US DEPT OF EDUCATION which are reporting two different balance for the same contact. I have never had a account or contract with this company nor did I authorize the company to use my person and private information. This is fraud and misrepresentation of my accounts. " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
There was a credit card account from a company called RoomsToGo opend with my information that I didnt approve. I reported it to the 3 bureau and froze my account. Days later the card was maxed out with no approval and the investigation is still pending.

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