vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within XXXX  days now this account in violation XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within XXXX  days now this account in violation XXXX  XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within XXXX  days now this account in violation XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX. Subject : CREDIT MANGEMENT LP Opt-Out Request for Sale or Sharing of Personal Information Dear. CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to assert my rights under California Civil Code Section 1798.120 and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section 1798.120 ( a ). As outlined in Section 1798.120 ( b ), I expect your agency to provide the required notice to me, in accordance with Section 1798.135 ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section 1798.120 ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section 1798.120 ( d ), to cease the sale or sharing of my personal information. As per Section 1798.135 ( c ) ( 4 ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: CA

Complaint narrative:
I applied to XXXX in XXXX and provided necessary documentation in XXXX. I have not heard back about my application, so in XXXX I called Nelnet. I waited XXXX hours to speak to a representative and they said they are " processing '' my application. Nelnet told me they were " processing '' my applciation a week prior as well and it's been well over a month that it has been " processing ''. 

The representative also let me know my account is in forbearance and I would not have to make a payment in XXXX but that is not reflected in my account and an auto payment was made in XXXX. 

I don't believe it should take 3 months to " process '' an application, I should have a response by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

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 2023-11-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mortgage Research Center, LLC
State: WA

Complaint narrative:
Veterans United is unethical regarding how they apply additional funds paid in conjunction with monthly mortgage payments. Specifically, they are keeping the money from being applied to principal to reduce overall mortgage debt in a timely manner. 

XXXX XXXX - A detailed review of my account with VU servicing shows more than 12 months of extra payments being held as " Unapplied Funds ''. When I called the service center the agent told me that it was a VA Policy to do so in the best interest of XXXX XXXX veterans. I know this isn't true, so eventually I got a manager to admit that it is a VU policy, and that if I want to change it, I have to submit additional paperwork to have my extra payment amount applied to principal. 
I also called the VA Regional Loan Center - the VA Loan advisor that I spoke with said this is very unusual and should be immediately challenged and changed through a complain with the CFPB. 

After researching VA Servicer Handbook M26-4, RESPA guidelines , TILA, and 38 CFR 36.4311, it seems to me that VU is skirting the actual law and additional regulations in order to retain these extra payments without informing their customers. As a financial matter, these extra funds are likely providing returns to VU that are not being disclosed and/or shared with the Veterans who have made the extra payments. I'm not a lawyer, but if it isn't strictly criminal or a violation of regulation, the action is definitely unethical.

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 2023-11-16 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: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: NJ

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. 
I do not recognize XXXX XXXX XXXXt According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed 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 non-monetary relief
Consumer complaint received 2023-11-16 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: NY

Complaint narrative:
On XX/XX/, I sent a dispute letter to TransUnion regarding fraudulent charges on a XXXX XXXX account, which were attributed to me due to identity theft. The account in question had unauthorized charges totaling {$310.00}. I provided comprehensive evidence, including a police report and an FTC Identity Theft report. TransUnion acknowledged the fraud and DELETED the account from my credit file on XX/XX/. 

However, as of XX/XX/, I discovered that TransUnion had reasserted the previously deleted fraudulent account back onto my credit file. This action is not only against my rights under the Fair Credit Reporting Act but has also continued to severely impair my access to credit, including business credit linked to my personal file. This reinstatement happened despite the submission of substantial evidence and the acknowledgment of identity fraud. 

This incident is the latest in a series of unsuccessful attempts to resolve this issue, marking either the second or third time I am addressing this complaint to the CFPB. The continual mishandling of my credit file by TransUnion in light of clear evidence of identity theft has caused ongoing financial and personal distress.

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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OR

Complaint narrative:
My US bank checking account was suddenly closed without notice or any communication between myself and the bank due to fraud activity. Someone had given me a fake check to cash so the bank simply cut all ties with me even though I was unaware of the check being fake. 

On XX/XX/2023 my employer XXXX paid me XXXX deposits in the amounts of XXXX and XXXX to my US Bank checking account. The funds were frozen by the bank and I was told after many phone calls to help desk as well as a branch manager that the funds were to be returned to my company so they could reissue them to my new bank with XXXX XXXX. This never happened... US Bank instead " claim '' they sent a physical check to my mailing address on XX/XX/XXXX. I was in XXXX XXXX during this time but my family said the check never arrived in the mail, ever. 

Upon returning home from XXXX XXXX I have called US Bank 5 times I order to have the check issued and sent to me so I can be done with this nightmare process. I have even demanded to speak to a supervisor and they deny me this right. The last agent I spoke with told me the name of a US Bank supervisor named XXXX XXXX whose title is CSR manager. I was guaranteed and promised I would be receiving a call from this supervisor by the end of the day. This was 4 days ago ad I have not received a call or email or any form of communication from US Bank whatsoever. 

Please help me! US Bank is withholding my money from me and is intentionally avoiding paying me my check from 3 months ago!

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 2023-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: FL

Complaint narrative:
I received a letter in XXXX saying I owed XXXX XXXX. After receiving letter, I attempted to login into my XXXX which was now locked out. I called XXXX who transferred me to a 3rd party collector American Coradius International LLC. After finally getting a hold of an agent with above mentioned company I asked what the debt was for, and she had no information just the amount and asked me to pay said amount. Since then, I haven't received any other correspondence in regard to said Debt, so I called XXXX again and they transferred me to the same company which gave me the same answer. Both times there was a language barrier as the collection agency seems to be a call center at this point, I'm not sure if it's a scam or if there's an actual debt to XXXX. I have a limit on my XXXX card and have received statements for from XXXX for my credit card and no showing of this debt. and without access to XXXX, I'm not sure what the XXXX is for or how i incurred this Debt and no way to dispute the debt either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Lendtable Inc.
State: VA

Complaint narrative:
On Tuesday XX/XX/XXXX I reached out to them to see how to resolve payment and they demanded the whole balance due of {$1900.00} by debit card or my XXXX k plan.This morning at around XXXX am I contacted my XXXX and I was told they never heard of this company or are not associated with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: CT

Complaint narrative:
TransUnion is in compliance with XXXXXXXX XXXX, collection and reporting fraudulent information from XXXX XXXX without any CLEAR AND CONVINCING EVIDENCE. 

XXXXXXXX XXXX is reporting two FRAUDULENT accounts to TransUnion ( 1 ) Acc # - XXXX and a balance of {$2000.00}. 
( 2 ) Acc # XXXX and a balance of {$2700.00}. 
These two FRAUDULENT accounts have been damaging my credibility reporting FRAUDULENT errors, TransUnion Consumer Solutions verified the two FRAUDULENT accounts as VERIFIED, while they erred and failed, denied and ignored my request of a legal copy of a contract with me and XXXX XXXX, according to the FCRA NON DISCLOSURE WITHOUT CONSENT IS IDENTITY THEFT. I never give XXXXXXXX XXXX any permissible purpose to obtain my information, I personally ask that they delete these two accounts.

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 2023-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I received a letter in XXXX saying I owed PAYPAL XXXX. After receiving letter, I attempted to login into my PayPal which was now locked out. I called PayPal who transferred me to a 3rd party collector XXXX XXXX XXXX XXXX. After finally getting a hold of an agent with above mentioned company I asked what the debt was for, and she had no information just the amount and asked me to pay said amount. Since then, I haven't received any other correspondence in regard to said Debt, so I called PayPal again and they transferred me to the same company which gave me the same answer. Both times there was a language barrier as the collection agency seems to be a call center at this point, I'm not sure if it's a scam or if there's an actual debt to PayPal. I have a limit on my PayPal card and have received statements for from PayPal for my credit card and no showing of this debt. and without access to PayPal, I'm not sure what the XXXX is for or how i incurred this Debt and no way to dispute the debt either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: FL

Complaint narrative:
Im begging you please remove this to the 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 2023-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
Per the SCRA ( Service Members Relief Act ) more specifically the Ohio Law ext 164 notes that Ohio extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. I am a Ohio resident and my place of entry into XXXX XXXX was Ohio.

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 2023-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Company claimed they provided information to best known address but I never received letter or information of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I received a notice from an attorney as well as the sheriff today with a summons to court for a credit card I knew absolutely nothing about. It was from XXXX, since then I disputed 2 credit cards my ex husband took out in my name and charged over {$15000.00} and other cards he put me in debt from I went through the national debt relief program. I tried speaking with the credit card company, they couldnt help me, I tried calling the collections dept, they kept hanging up on me, so I just called the credit bureau and they recommended I filed a complaint that I was a victim of fraud.

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 2023-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have to check my records for specific dates, but they should have all phone conversations recorded. I was unaware PNC Bank would operate like this. 

In the middle of the year XXXX I was getting ready to pay off my car loan. I called in to make sure that was ok and that my contact and mailing address were up to date. I did this regardless that I was already getting mailing from PNC bank at my current address - including the loan payment slips. 

When I did not receive the title in XXXX I began making calls. 

First call I was told it was not mailed yet and my address was up to date. 
Second call I was told it was mailed to an old address. I demanded a lien release letter. I did not receive that. 
Third call I was told I should have received the letter and they would resend again. 
Fourth call I escalated the situation by mentioning the word " legal '' as I found out online it would command some action by their team. They finally mailed me the lien release letter but expect me to take the time and money to go get a replacement title. 

I have been to the DMV twice with long wait times and had to leave after wasting over an hour each time because my work and job is very demanding. I have no choice but to plead with the CFPB to assist me with this. After they collected all their interest, they decide they do not have do do anything. I am facing many hardships trying to get this title to sell the car.

Company response to consumer: Closed with explanation