vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 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: NE

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 report agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Sections 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 2023-03-13 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: NE

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 report agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Sections 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 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX I have been trying to resolve this issue for two years. I called today to try and get XXXX XXXX to send me anew pay off date and amount also. I purchase a XXXX lexus in XX/XX/XXXX. I got a maintance plan and decided it was not worth the money. So instead of sending the money to me, XXXX XXXX sent {$2900.00} applied the money to my account. I wanted the money sent to me so I could do what I wanted with almost {$3000.00}. My car origial pay off date is XX/XX/XXXX. Well, today, I called and it is still XX/XX/XXXX. I told yhe customer service person my payy date should be in XX/XX/XXXX if the {$2900.00} was applied to my account. I could not get any help. The XXXX XXXX has taken my Refud and not applied to my balance at all. I been calling them for two years asking for my new payo date in writing and nothing has change. They are trying to steal that {$2900.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: CA

Complaint narrative:
On XX/XX/2023 I sent out an Investigation Request Letter to TRANSUNION CONSUMER SOLUTIONS by way of The United States Postal Service. Dated XX/XX/2023 Time XXXX with a Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I requested a through investigation be done in regards to inaccuracies on my report and I requested to be provided with original contracts and documentation of the accounts named XXXX XXXX XXXX I also asked if the accounts are not 100 percent accurate ; through 15 U S.C. Sec. 1681i ( a ) that they be deleted.

I was never provided any original documentation to the validity of the Lates on the two XXXX 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 2023-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
I have well over 120 qualifying and employment verified months for my student loans to be forgiven under PLSF. MOHELA has my account and has put me under 2 ninety day reviews even though they have ALL of the correct paperwork verifying my employment as a XXXX  and working at XXXX. My loans also have Senator XXXX XXXX on my account to act as POA since I've had nothing but a mess from XXXX  and now Mohela. Enough is enough. Action needs to take place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022, booked a round-trip flight with XXXX ( Through Capital One rewards ) I used about XXXX miles or around {$950.00} for the flight. 

A week later, I needed the date changed on the flight. I only needed the date moved a few days. Both XXXX and Capital One gave some ridiculous reason as to the " class '' of flight not matching, and that the new flight would cost about {$3000.00} MORE. 

I explained that simply rebooking the flight would only cost me another {$950.00}, and this policy is not only non-sense but clearly fraudulent and specifically destroying any optionality on the side of the consumer. 

Neither XXXX nor Capital One cared, and because they pinned me down for an extra {$3000.00}, I had no choice but to leave it inactive, thereby NOT being able to do anything with the original flight, and losing my original cost. 

Not only is it price-gouging, but it's unethical, immoral, and likely illegal that companies can operate under these shadowy rules they create themselves to gimp money out of unsuspecting consumers. 

I have a XXXX XXXX XXXX  complaint as well, which Capital One refused for reasons they say were " explained '' to me. It's disgusting that I have to go this far to get money which is my own back into my hands. 

Absolutely disgusting. Will not stop until every single enforcement agency knows and does something about these nasty companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My husband, XXXX XXXX, and I attempted to purchase a backhoe using XXXX XXXX. The listing company was XXXX XXXX XXXX. Located at XXXX XXXX XXXX, XXXX, FL XXXX. After researching the company, I determined that it was a legitimate business. The purchase price of the backhoe was {$28000.00} and the shipping was {$2800.00}. I was advised by " XXXX '' from XXXX XXXX XXXX that we would need to wire transfer the money after he sent us an invoice. We wire transferred the money on Thursday, XX/XX/2023. We went to our bank, XXXX XXXX, and made the wire transfer to Chase Bank, in the name of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Account XXXX. XXXX. On Monday of the next week, XX/XX/2023, I tried contacting " XXXX '' from XXXX XXXX XXXX. There was no response, and he did not respond to email either. The next day I contacted the owner of the company, XXXX XXXX. XXXX XXXX advised that it was not her company that we bought the backhoe from. She stated that her company and her name were fraudulently used to sell this equipment and that approximately two weeks prior to this she received a call from another person who also thought they had purchased a piece of equipment from her company. On XX/XX/2023, I attempted to contact Chase Bank fraud department. The person I spoke to advised me to contact my bank, XXXX XXXX. I contacted my banker, XXXX XXXX, and advised him of the situation. He immediately submitted paperwork to Chase Bank that this was a fraudulent wire transfer. He also advised that he had a contact at Chase Bank that he could call. XXXX XXXX called me back a little while later and advised that his contact told him that the money was still in the account and that Chase Bank had a restriction on the account. I then received a letter from XXXX XXXX, stating that " As the money will not be returned from the receiving bank, we are not able to reimburse you. '' I once again called XXXX XXXX and spoke with him about this letter. He said that he would call his contact at Chase Bank and inquire into the account. He later called me and advised me that his contact had told him that the money was still in the account, the restriction was still on the account and that Chase Bank was not able to get a hold of the account holder to ask their permission to release my money to me. His contact advised that I would need to take another route to have my money returned to me. In the interim, XXXX XXXX, the owner of XXXX XXXX and/or her husband, filed a police report with XXXX XXXX XXXX XXXX XXXX Department XXXX I was contacted by a XXXX XXXX. XXXX XXXX requested that I file a police report with my local XXXX XXXX XXXX which I did. I have attached the following documents to this complaint : 1. Invoice - Unredacted 2. Bill of Sale - Unredacted XXXX. Wire transfer - Unredacted XXXX. XXXX XXXX Police Report - Unredacted XXXX. XXXX XXXX XXXX Police Report - Unredacted 6. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is reporting late payments from XXXX when they agreed to put me on a hardship program due to a death in the family in XXXX and loss of job. They advised that I had 120 days to make payment. What they DID NOT advise is that I had to make the minimum payment each month. That does not make sense because then there is no point of the hardship program. 

Then in XXXX I lost my job due to XXXX. I was effected by a late payout of unemployment money and stimulus payments. Capital One said that they were going to give forbearance to those effected. As soon as I received the stimulus and unemployment, I paid off the credit card. 

Capital One is being unethical by denying these issues. Had they given proper instruction, the cards would have never been paid late even. I would have borrowed money to cover the minimum payments had they properly disclosed the process. Their staff inaccurately represented their hardship program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On Friday XX/XX/XXXX I received an alert on my XXXX credit reporting app about a Hard Inquiry that was placed on my credit report by Comenity CapitalXXXX XXXX It was after hours so I had to wait to file the dispute over the phone Monday morning during XXXX 's business hours. When I called. they advised that the card was opened by a sporting goods store and that I would need to file the dispute with the store. XXXX started the dispute process and found it to be fraud and had the inquiry removed. I located the contact number for the company, now known as XXXX XXXX XXXX. I live in XXXX  and they have no locations in PA and I had never heard of them. When I called the company they confirmed that the card was opened online using my personal information. When I told them I had never heard of the store, never even got a card, nor an email, they confirmed that the email on file is not my personal email. I requested the account be closed as fraud and they advised that they would note the file. I also requested documentation be sent in the mail confirming the fraud and closed account and that is pending. I then went into my local police station to file a report for identity theft. Their office told me they do not release those reports unless they receive a subpoena, but that I could submit the record # to the local Social Security office and that report would be on file, should I decide to file for a new SSN. I also alerted my banking institutions. 

Coincidentally, my cell phone provider the day before this happened ( XX/XX/XXXX ) advised that their network was accessed and my CPNI was released, but no " personal information was leaked ''. Then, 24 hours later, someone used my SSN to open a credit card online. I called them immediately to advise that I think their breach was more than compromised and they have assured me that it was not ; I am, however, skeptical given the timeline of events. 

I have copies all my credit report and the report # should anyone need it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
PSLF : Since XXXX, my student loans have been managed by XXXX, XXXX, XXXX, then to Mohela in XXXX. 
I submitted two ECFs to Mohela XXXX XX/XX/XXXX ( via document upload ). Both ECFs had long since been submitted to XXXX and had not been processed/counted correctly. 

Current eligible count on tracker : XXXX payments. Current qualifying : XXXX. The two ECFs I submitted to Mohela via document upload and per PSLF Waiver were submitted XX/XX/XXXX were finally processed by Mohela in XX/XX/XXXX, as was shown on document upload page, yet my tracker did not get updated. I called/chatted/messaged with Mohela several times. I was assured several times my tracker count would be updated. Time passed. Tracker was still not updated. I called, chatted, messaged some more. Still, tracker not updated. This was through and up to XX/XX/XXXX. Each time, Mohela CSRs, and Mohela messages told me my issue " had been handled '' or " wait 90 days. '' My issue had not been handled. There was no change on my Tracker, still. 

I called again on XX/XX/XXXX. XXXX told me there seemed to have been an error and those two ECFs signed and dated years ago, back to XXXX, " had not been processed correctly. '' Later, XX/XX/XXXX, I received a message on Mohela " We apologize for any inconvenience this may have caused. Your most recent PSLF applications were not processed correctly. We submitted a request on XX/XX/XXXX to reprocess your Public Service Loan Forgiveness ( PSLF ) applications received on XX/XX/XXXX... unprecedented... '' Please help. As mentioned, both of the two ECFs had long since been submitted to XXXX and should have, long ago, been applied per the PSLF waiver. I have been in PSLF since XX/XX/XXXX. I understand Mohela is busy and employees may be overwhelmed, but mine is not a complicated issue to take care of. I should have been finished with PSLF some years ago. I have been working In public service since XXXX. Thank you for your time and assistance. 

Two ECFs previously submitted to Mohela ( and XXXX ) are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, my card was illegally skimmed by ATM skimmers, who likely modified a machine I used near XXXX, TX, on XXXX XXXX, XXXX. The thieves made their way to a XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX, where they used my skimmed card information to withdraw {$100.00} seven times, resulting in almost {$800.00} of stolen money. At the time, I was at home ( with my wallet ) eating lunch when I received two ATM Decline fees for XXXX cents each. Because I have never withdrawn so much money in a single day, I didnt understand what an ATM Decline fee even was! Upon checking my account, I see that my funds have suddenly dropped from {$1600.00} to {$870.00}, and the ATM Decline mechanism probably saved my money from being wiped out in a single day. I believe that the thieves modified the machine at another XXXX XXXX ATM and then stealthily made their way to a different location to avoid suspicion. 

Afterward, I immediately called American Express Serves customer service team to understand what was going on, and they discovered that my card had been illegally used at a local gas station. They instructed me to freeze my account, cancel my card, and open an investigation immediately to stop the thieves from stealing again. 

However, American Express Serve refused to credit me the stolen money, accusing me of authorizing the transactions instead. When I asked them how they arrived to that conclusion, they instructed me to write them at XXXX XXXX XXXX, XXXX, Georgia, XXXX, which I did, but I havent heard back from them yet. I am formally accusing American Express Serve with financial malpractice, not protecting their customers from XXXX XXXX XXXX, and refusing to offer customers provisional credit without any evidence. 

Thank you for reading my short statement!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Somehow money was sent from my account another account I do not know or havent ever sent anything to. Around 5 charges were sent from XXXX to XXXX to a random person I do not know totaling {$320.00}. I let the bank know but they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ, XXXX D.O.B XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Experian, I am writing to dispute the following items on my credit report and would like swift action to be taken immediately. 

I have noticed that you have several addresses reported on my credit report. This a violation according to the fair credit reporting act. I live at XXXX XXXX XXXX, XXXX, NJ, XXXX XXXX XXXX. All other addresses shown are incorrect as I DO NOT LIVE at any of those addresses. I demand that you update my file to show only ONE address which is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX. 

Yours truly, XXXX XXXX.

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 2023-03-13 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: Experian Information Solutions Inc.
State: VT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I Contacted the company thru phone and they offered no resolution the late payment from XXXX of 2020 was not late.

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 2023-03-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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. the accounts i am talking about are listed below : inquiries : XXXX XXXX accounts to delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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