vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and Experian, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX and the consumer reporting agencies, XXXX and Experian, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX never XXXX me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and Experian appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services Immediate deletion of account and {$1000.00} per violation

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 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Pursuant 15 USC 1681s-2 ( a ) ( 1 ), Trans Union continues to report inaccurate information on my consumer report in regard to an XXXX XXXX XXXX  account. This debt has been disputed multiple times without Validation provided by wet ink signature and Trans Union will not remove this account. XXXX XXXX has closed the account since dispute but the balance on still reads {$1200.00}. I want this account removed immediately as its nature is derogatory and contributing to adverse actions when I apply for other credit. Furthermore, Pursuant 15 USC 1681 ( b ) ( 2 ), Trans Union has never received authorization or written consent from I, the Consumer to furnish this negative account and whatever information they've shared without consent.

Pursuant 15 USC 1681 ( o ), the willful noncompliance and negligence is a major violations of my consumer rights ; as prolonged action on the Trans Union 's end has halted my ability to take advantage of better rates on loans and a mortgage to shelter my Family.

Furthermore. Pursuant 15USC 1681 Section 602 clearly states that Consumers have right to privacy and Pursuant 15USC 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Trans Union continues to furnish information on my credit report inaccurately and without consent. They have dishonored requests sent certified mail to correct my consumer report and have not provided proof in inaccuracies.

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 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase Bank closed my accounts without warning or explanation. Then when I went to get my funds they have refused to release them to me. Basically theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and XXXX, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX and the consumer reporting agencies, XXXX and XXXX, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX never informed me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and XXXX appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services Immediate deletion of account and {$1000.00} per violation

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 2023-10-24 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: EQUIFAX, INC.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. Equifax and XXXX, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX and the consumer reporting agencies, Equifax and XXXX, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX never informed me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. Equifax and XXXX appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services Immediate deletion of account and {$1000.00} per violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: NY

Complaint narrative:
It was too hard inquiries on my XXXX XXXX from Equifax. Ive had identity theft from Equifax from their breach, I even had to do a two way authentication after finding out the cards open on my name. 
XXXX XXXX XX/XX/XXXX - hard inquiry XXXX XXXX XX/XX/XXXX -hard inquiry XXXX XXXX  XXXX XX/XX/XXXX {$1000.00} XXXX XX/XX/XXXX {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
- After four years of owning my beloved XXXX XXXX, it stopped running during a WI winter, I needed a vehicle so I searched online- I found an SUV with a {$5500.00} sticker price - I had {$5000.00} cash on hand, and was willing to pay in full - Dealership declined as I was short {$500.00} and convinced me to accept a deal that required {$1500.00} down payment if car loan was opened. He pitched a guaranteed increase in credit score, price tag would not change, and any malfunctions would be covered if added on Gap insurance and warranty, all because he could not budge on the cash offer - I left that night, he called me back with a better deal desperate for a car I return via XXXX, car seat in tow - He offered to trade my inoperable car for to shave the cost down. 
- I agreed to the terms and initiated the car loan XXXXXXXX XXXX XXXX - During signing it was revealed the true cost would total nearly XXXX. Which, although I was upset about the hidden fees, I could not refuse due to my need to get back and forth to work and my 18 month old to child care - By XX/XX/XXXX, the truck 's engine went out - I went back and forth between warranty holders, credit acceptance and XXXX XXXX regarding coverage for the vehicle 's engine- this was a three month process - Continued to pay in full for 8 months XXXX - XXXX {$480.00} ~ XXXX paid off - In XX/XX/XXXXXXXX XXXX I was informed Insurance, nor warranty did not cover the costs of the {$7000.00} job as quoted by XXXX- I then called Credit acceptance and informed them that the cost of the repair exceeded the cost of the vehicle and I would like to use the remainder of my loan to acquire a new vehicle. To which they stated they could not help, but I had to continue to make those payments to settle to XXXX debt. Around this time they quoted and reported to the credit bureaus that it was an {$8500.00} debt ( the amount the loan began with ) - During another phone conversation with CAC in XXXX of XXXX, I informed the supervisor that I wanted to surrender the vehicle, to which they denied me the right. 

- In XXXX of XXXX, I called CAC to once again come to an agreement. The associate explained there was nothing they could do and I still need to pay every month. I explained to them that I will not continue paying the nearly {$500.00} bill for a vehicle that hasnt worked in months, so it would be best if they just picked it up. 
- By the end of the month, CAC repossessed the vehicle, closed the account and reported to the credit bureaus an involuntary repossession - After repossession, the vehicle was sold in a local auction - 3 years later, Credit Acceptance is reporting increasing values to credit bureaus, with a balance now exceeding {$9400.00}

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 monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried applying for the credit card and I was informed that the information on my application and the information on my consumer report did not match. After reviewing my report personally I realize that my name is incorrect. 
My only name is : XXXX XXXX XXXX I would like all other variations of my name, removed from my consumer report, because it is damaging my financial health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried applying for the credit card and I was informed that the information on my application and the information on my consumer report did not match. After reviewing my report personally I realize that my name is incorrect. 
My only name is : XXXX XXXX XXXX I would like all other variations of my name, removed from my consumer report, because it is damaging my financial health

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 2023-10-24 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: VA

Complaint narrative:
Automatic payment did not process on date selected leading to interest building on incorrect amount and past due. Had to make another payment to make the due date. Waited on hold 3 hours, no answer from helmet nor any response from my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: TN

Complaint narrative:
XXXX XXXX XXXX was paid a lease break fee in XX/XX/ and our contractural obligation was severed civilly. First property management has reported an ADDITIONAL account on my report showing as 120 days late with an accrued balance from XXXXXXXX XXXXXXXXcurrent. Now there is collection on my account for this amount totaling in THREE instances of the same inaccurate account information. See docket XXXX, there should be NO phone number on my report, and NO address '. 


The following inquires need to be removed from my report as I did not initiate a transaction with these companies and they have no permissible purpose to have run my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All previous attempts to solve this issue with the credit bureaus directly has proven unsuccessful. FTC ID report filed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MD

Complaint narrative:
Square 's customer service attitude is perfunctory, and they arbitrarily quote payment terms to limit customer funds. Even according to the 12 and 36 payment terms they provide, there is no explanation ( right ) that Square can retain customer funds permanently, it is illegal, and the customer account team is arrogant and rude. Do not reply to customer emails and ignore customer requests. I requested that my funds should be released immediately as promised in the email when they deactivated my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, my identity was used fraudulently to obtain a personal loan from Affirm , Inc in the amount of {$670.00}. I became aware of this via email in late XXXX that a payment was due. I made phone calls to Affirm , Inc on XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. Each time I called and explained the fact that the account was fraudulently created and requested an investigation to clear my name of this issue. They promised each time to send an email follow-up to me within XXXX business days, but never did. I obtained case number XXXX on the XX/XX/XXXX phone call. Affirm, XXXX also reported my address as " XXXX XXXX XXXX, XXXX, AL XXXX '' as shown on my XXXX credit report. I never lived in Alabama and expressed this each time I called Affirm , inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: IN

Complaint narrative:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the ( 9 ) nine inquiries and inaccurate personal information showing on the credit file with Equifax. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I have tried several times to get a hold of this company moohela and give them my information and all they do is hold the call transfer me and leave me waiting for over an hour until the line gets cut.I am already being charged when I shouldve gotten forgiveness for my loans but I am unable to get a hold of anyone in this company and was transferred from one loan provider to the other and this one is the worst one Ive had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Unifin Inc.
State: CT

Complaint narrative:
Unifin is sending me text messages at XXXX XXXX which is not a reasonable time to text anyone regarding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: MA

Complaint narrative:
I am writing to report a dispute regarding inaccurate information on my credit report, which I initially brought to TransUnion 's attention on XX/XX/XXXX. To date, I have not received a response from TransUnion regarding this matter. The inaccurate information pertains to the following account : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}

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