vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Dear XXXX XXXX XXXX XXXX  ; MIDLAND CREDIT MNG ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations.

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. Please provide the following promptly : Evidence of your
authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges.

I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding the inadequate response I received from XXXX XXXX XXXX XXXX concerning a dispute on account number XXXX, which reports a balance of {$3200.00} charged off. 

On XX/XX/XXXX, I submitted a dispute to XXXX XXXX XXXX XXXX explaining that this account was the result of identity theft and has been on my credit report for longer than seven years.

My primary concern, which was that this account has passed the seven-year mark from the date of delinquency, was not addressed in any of the correspondence I received from XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), negative information should be removed from credit reports after seven years. This account, therefore, should no longer appear on my credit report.

Despite this, the response I received only addressed the identity theft claim and falsely validated the account without providing any evidence to support their claim. 


Furthermore, XXXX XXXX XXXX XXXX inaccurately stated that a payment was made in XXXX in the amount of {$0.00}. This statement makes no sense and appears to be a tactic to re-age the account to keep it on my credit report, which is both unfair and illegal. No payments have been made on this account, and I do not own or have access to it. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action to ensure that this account is removed from my credit report as it has exceeded the seven-year limit. Additionally, please ensure that XXXX XXXX XXXX XXXX ceases the practice of re-aging accounts to extend their presence on credit reports. 

Thank you for your prompt attention to this serious matter. I look forward to your swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached 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 non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
New auto loan. Sent enrollment email. Filled out auto withdrawal forms. Attempted a small payment a week prior to due date. Called customer service a few days after. Customer service stated give it XXXX days to post. Due date came and went. Customer service said request went through. Told to wait XXXX additional days. On the XXXX day called and found new account was delinquent. Paid immediately using debit. Forced to pay a {$30.00} fine for late payment. Asked if they could debit the same checking account with debit provided. Stated theyd send another enrollment form when ach cleared. Essentially Im taking the same gamble again and may be stuck paying more fines. Wont elevate concerns to management, not dealing in good faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX, I requested a student loan refund ( approximately {$8000.00} ) from my loan servicer Nelnet. The Department of US Treasury issued my check from XXXX XXXX Missouri to my permanent address on XX/XX/XXXX. After a few weeks of not having received my check, I reached out to Nelnet to inquire and they said to continue waiting. Nelnet eventually said that they would cancel the check and issue me a new one. However, after several months of waiting, in XXXX of XXXX I was informed that the check had already been fraudulently cashed. Nelnet advised me to file a police report to initiate the investigation so that they can proceed with issuing a new check for me. Nelnet sent me the image of the cashed check in XXXX of XXXX and I immediately filed the report in XXXX of XXXX. In XXXX of XXXX I received a call from Nelnet that they had processed all necessary documents to the Department of Treasury. On XX/XX/XXXX, I received a call from Nelnet alleging that because it had been more than a year since the check had been cashed, I am not entitled to a fraud package to receive my money back. I have been in contact with the Nelnet escalation team over the last month and today XX/XX/XXXX I was informed that they are not able to provide a solution for me and that my refund check will not be reissued. 

Nelnet never informed me about this deadline for submitting a fraud package and the speed at which every step of the process has been handled by Nelnet is inexcusably slow. Nelnet is liable for this negligent delay as I have had no way of expediting this process. During the past 1.5 years, I have called Nelnet many times and waited for many hours on hold trying to push my case forward to no avail. If Nelnet was aware of this deadline, I can not understand why the information would not have been processed with more urgency. I would like to escalate this matter and expect Nelnet to identify a solution for me to receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: CA

Complaint narrative:
Recently checking my credit report I noticed that I have been a victim identity theft, and found numerous credit inquirires I have no knowledge of here are the inquirires that I have found, XXXX  XXXX XX/XX/year> Please remove these fraudulent inquirires from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was scammed by someone calling me using my bank phone number, impersonating himself to be my bank agent. They had me locked out of my bank account and told me to send them 4k. They had my identity, credit card numbers and access to my bank account. They told me I was part of a money laundering sceam. They had me cashapp them 4k through my checking account and when I realized I was being scammed it was too late. Cashapp wouldn't reimburse the money and my bank won't reimburse me for the money they sole from my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: MD

Complaint narrative:
I keep disputing the same mistake and maybe fools to take it off of my credit report I sent in a letter from XXXX XXXX expressing what I owe them. How is this company allowed to charge me more when I do not owe that so I do not owe this account for them, holding up my credit for years now with misinformation and will not take it down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: WV

Complaint narrative:
In XXXX XXXX XXXX my wife was at a seminar and in exhibition hall a man said he has a laser and cream that would help a scar she had. He said it would be covered by flex safe account. He said it was XXXX and she thought he meant XXXX. She signed what she was told was shipping papers without looking in detai and he took XXXX XXXX for payment. I got notified of XXXX charge called her and she called him and canceled. The charge is still there even with 4 disputes with XXXX. We never received anything from vendor. I have tried to deal with him also. I cant believe it would go in verdors favor when we havent received anything. This is fraud in my opinion. XXXX XXXX was company and credit card was XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I offered a promotion to apply for a credit card and receive XXXX miles and XXXX XXXX XXXX. I clicked the link and was brought to an application. I filled out the application and was approved. The first card was lost in the mail. They sent a second card. After spending the {$4500.00}, I only received XXXX miles and XXXX XXXX When I called to question, they told me that the offer was never available. After researching, I found that the card they sent was not the card I applied for. I have been back and forth. After being told there is nothing they can do I went to XXXX and asked if this happened to other people and it XXXX XXXX XXXX XXXX ) turns out there are quite a few people they have done this bait and switch to. I sent them the image of link that I clicked. They still said that offer never existed. I was told I had a point of contact named XXXX. ( ext. XXXX ) I called him twice and left voice messages, yet he never returned a call. Now they say they are done. I have been cheated out of XXXX XXXX and XXXX miles. Additionally, the card I would have used for that {$4500.00} would have given me 2 % back in cash. 

Here is my communication : XX/XX/XXXX - XXXX from XXXX XXXX, TX XX/XX/XXXX - supervisor XXXX case # XXXX XXXX XXXX XXXX TX XX/XX/XXXX - supervisor XXXX - case # XXXX told there was never this offer and if I had the image to send in secured link Sent image : XXXX XXXX supervisor XXXX - case # XXXX XX/XX/XXXX - supervisor XXXX told XXXX was my point of contact at extension XXXX. I left voicemail - never was called back XX/XX/XXXX called XXXX again and no return call XX/XX/XXXX - spoke with supervisor who told me they weren't going to honor the offer as the card did not provide that offer. When I asked for his name and location, he hung up. 
XX/XX/XXXX - spoke with XXXX supervisor stated they will not do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
Can you please invest in making your online experience/portal for customers better? You make it so difficult and cumbersome for people to complete simple tasks like submitting a principal only payment. As the Hyundai system is currently set up, there is no option for you to make a principal payment online by yourself, which is something you can easily do with other automakers. Instead, you have to get a hold of a live representative for payment allocation, and the only non-fee payment option is to mail a check or make a payment online, and you have to reach back out to another agent to have it allocated properly. What sense does that make? And then theres no way to get support online - no online chat or message service available. The way this is setup makes it difficult for customers to get ahead of their loan payments, which makes it easier for Hyundai Motor Finance to collect more interest than they normally would if they had this feature enabled in the online portal. I have 2 principal payments that Ill need to make over the next month, one 3-digit payment and one 5-digit payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Vanderbilt Mortgage and Finance , Inc. regarding their handling of my mortgage following my XXXX XXXX  bankruptcy discharge. My mortgage account was included in my bankruptcy case, which was discharged on XX/XX/XXXX. Despite this, Vanderbilt Mortgage has taken legal action against me, including filing a civil summons. Vanderbilt Mortgage contacted me on XX/XX/XXXX and XX/XX/XXXX over the phone about the outstanding balance on my mortgage. I requested a loss mitigation so my home will not go into foreclosure which they were not able to offer because they denied it. However, after receiving the civil summons filed by the XXXX XXXX XXXX, XXXX. on XX/XX/XXXX, I called to discuss my account and options. The law firm instructed me to discuss everything with the mortgage company which I did. Being I also have XXXX XXXXXXXX due to the Covid 19 pandemic and this financial hardship I am still trying my best. On XX/XX/XXXX XXXX XXXX from Vanderbilt Mortgage called and He asked if I could pay the past due amount of {$18000.00}. I requested payment arrangements due to my XXXX XXXX discharge, but he repeatedly stated that the case was dismissed due to non-payment, which is incorrect. I also inquired if they had received my answer to the complaint, and he mentioned that he had just received an email about it before our call. XXXX XXXX said he would contact the attorney, and I should as well, to confirm receipt of the notice and discuss the next steps. I also received a notice through USPS about a hearing set for XX/XX/XXXX at XXXXXXXX XXXX. I believed that following my XXXX XXXX discharge, Vanderbilt Mortgage should not contact me personally about the mortgage debt. Their continued contact and the civil summons have caused significant stress and confusion along with the financial hardship I am facing. I believe their actions may violate consumer protection laws and discharge injunction pursuant to 11 U.S.C. 524 ( a ) ( 2 ). Enclosed with this letter are copies of my XXXX XXXX  bankruptcy discharge order and recent communications with Vanderbilt Mortgage. I respectfully request that the CFPB investigate this matter and assist in finding a resolution. Thank you for your attention to this issue. 
Sincerely, XXXX XXXX Enclosures : XXXX XXXX Bankruptcy Discharge Order and Recent Communications from Vanderbilt Mortgage

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC.
State: NJ

Complaint narrative:
XXXX XXXX account opened by my employer XX/XX/XXXX contribution made by my employer of {$620.00} XX/XX/XXXX qualified distribution in amount of {$620.00}. This was not authorized by me and no one at the bank can tell me where it is. 

The initial contribution of {$620.00} disappeared off of the statement. No one can explain why XX/XX/XXXX and XX/XX/XXXX contributions were made {$620.00} respectively. 
Given the first contribution disappeared and the unauthorized qualified distribution was made in the same amount I am left with a balance of {$620.00}. 
I have not accessed this account at all for any reason. 
I have called the bank daily without any resolution. Their response is 3-5 business for research. 
This contribution is an ongoing {$620.00} every 2 weeks from my paycheck for my XXXX account. This will continue. I dont want to stop the contributions because I will loose approximately {$3000.00}. over the course of the year due to the pretax nature of the contributions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: TX

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous items that do 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 explanation