vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 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: PA

Complaint narrative:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2015 in accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 reporting agency can not furnish a account without my written instructions

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 2022-11-08 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: U.S. BANCORP
State: HI

Complaint narrative:
Im really not sure what more to say. There were two accounts, apparently opened with US Bank that do not belong to me. Nobodys denying the fact that the account somebody opened them. It just wasnt me. I have reported the identity theft to all three credit bureaus.

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 2022-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Late last year I was contacted via XXXX using the name XXXX XXXX. She/he persuaded me to go to XXXX and continue chatting using the phone number : XXXX XXXX XXXX. After a short time, she/he convinced me to open a coinbase wallet and join a mining pool run by XXXXt. Over the next 9 months I 'invested " over XXXX XXXX USD buying Ethereum but when I tried to sell the Ethereum XXXX XXXX disappeared along with all my money. All monies were sent to this XXXX. I have contacted Coinbase who absolutely refuse to take any action repeating over and over again that the only way for anyone to access my Coinbase Wallet is if my 12-word recovery phrase has been compromised and that did not happen. Furthermore Coinbase was made aware of fraudulent dapps operating on their platform as early as XX/XX/2021 as shown in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX COINBASE WALLET, COINBASE, INC., AND COINBASE GLOBAL , INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I just received letter XXXX and XXXX closing XXXX of my capital one credit cards all of a sudden with no warning due to return payments. I always corrected these and never once did I received a phone call or anything on these cards or hey if it happens again we will close your accounts. I have a car loan with a perfect payment history. I will never purchase a car or any products with capital one ever again. Customer service is a joke and they dont care. Worst treatment of an established customer that I have ever encountered. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: RI

Complaint narrative:
continuous false and misleading advertising by Credit Karma. Who continuously states that my chances for approval of credit are excellent, but I get denied every time I fill out applications for the recommended cards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I have an inquiry from One Main Financial on XX/XX/2022 that I do not recognize and did not authorize. It negatively affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Misspelled Name ( XXXX XXXX ) { XXXX, XXXX, ) Dispute ignored and put back on my account Consumer Financing reported on my account should not be XXXXXXXX XXXX that reported on my account which I never lived at the address reported They have incorrect and outdated information This incorrect information is causing me to reflect a inaccurate credit score causing me to get denied when I should be approved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: PA

Complaint narrative:
As of XX/XX/2022, I am a XXXX XXXX XXXX pursing my XXXX XXXX XXXX in XXXX XXXX XXXX ( XXXX ) at XXXX XXXX XXXX  XXXX During this program, I am not employed, have no steady disposable income, and am paying for housing and other necessities by way of XXXX XXXX XXXX and XXXX XXXX XXXX 

Firstmark Services, who service XXXX private loans for previous educational endeavors, refuse to grant me in-school deferment for the time I am pursuing my XXXX. It was verbally relayed to me during the XXXX XXXX XXXX  I would be eligible for in-school deferment. I can not recall the actual date. I submitted the appropriate confirmation of my status as a XXXX XXXX. They continue to reject this much needed deferment, thus seriously damaging my credit score and causing mental distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: PA

Complaint narrative:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2015 in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 reporting agency can not furnish a account without my written instructions

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 2022-11-08 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Hyundai Motor Finance XXXX. 
I have an original account number with XXXX. 
I have an escalation complaint number with XXXX. 
I paid off the lease, I have a bill of sale dated XX/XX/XXXX. 
XXXX XXXX XXXX XXXX sent me a Colorado title because I leased the vehicle in Colorado. 
The problem is that when I moved to Georgia in XXXX, the XXXX in Georgia did not generate a XXXX request for a state to state title transfer. 
I paid off the lease on XX/XX/XXXX, went into the GA DMV to get the vehicle put into my wife and my names. They realized the mistake they made from 2 years ago and took my original Colorado title and sent it to the state of GA to generate a new GA title. They mailed the original GA title to the XXXX dealership in CO where I leased the vehicle, I had to call the dealership and they agreed to overnight the original GA title to XXXX XXXX XXXX. In XXXX, Texas. XXXX in XXXX TX received the overnight pack on XX/XX/XXXX at XXXX signed for by XXXX XXXX XXXX very detailed instructions to sign XXXX back of the original GA title and mail it back to my home address so I can take the GA title to the GA XXXX XXXX get the vehicle put in my name. 
I have been calling them for 2 months. 
They mailed me a letter of no interest or a lien release for this vehicle dated XX/XX/XXXX stating they have no right, title, or interest in this vehicle. 
I have been calling them for two months trying to get them to fill out and sign the back of the original GA title they have in their possession. 
The case is now in their specialty escalation group but no one will return my phone calls. I have all of my dates, times, and contacts I have spoken to regarding this matter for two months but no one will contact me. They claim that the XXXX TX title department does not have a phone so there is no way to contact them. 
The XXXX now handling my escalated case is XXXX. I left a message for her on XX/XX/XXXX and XXXX but they wont give me her direct line.

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 2022-11-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act XXXX XXXX account # 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 reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: NV

Complaint narrative:
I looked into my Experian credit report to try and figure out why my score was so low. I found an unpaid auto loan account with " XXXX ''. 

The account no. was shown as XXXX, opened on XX/XX/15, and was shown as a joint account with a person named XXXX XXXX. 

I have never done any business with XXXX, and I do not know any person named 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 2022-11-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX -- Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX  -- Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2022-11-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX -- Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX  -- Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: VA

Complaint narrative:
This company has been reporting that I owe {$250.00} since XXXX of 2017. I paid the balance in full in on XX/XX/2017. When I called them to complain they acknowledged that they received the payment. I feel this should be taken care of immediately and it has adversely been affecting my credit score for years. They also have held onto the Title to my car and led me to believe it was given to the dealer where I purchased the car, XXXX XXXX, which went out of business years ago. I have enclosed proof of final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-11-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I fell behind on my mortgage due to COVID and was not advised by my mortgage company of all my options pertaining to catching up on my 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 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1 : We noticed one of the vendors that we were using XXXX XXXX charged us didn't get any authorization for {$3700.00}, so we contacted Chase immediately via Secure message immediately on XX/XX/XXXX at XXXX XXXX  The original message is attached below. A : We requested a refund. B : We want to stop all future payments from this vendor. 

2 : Then we contacted Chase via secure message on Chase online banking again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as well for the same request : We want to stop all future payments from this vendor. 

3 : Yet, we got charged again on XX/XX/XXXX for {$7900.00}. Even though we wrote to Chase XXXX  times in half a month period. 

4 : And today we called Chase again, and we got transferred XXXX  times back and forth between their dispute department and customer service department, however, their customer service XXXX told us they can not do anything and can not be refunded. So in total, we lost over XXXX, because Chase can not stop the XXXX on time. 

5 : And they told us the claim that we filed on their secure message system was already closed, even though we didn't receive any notification. And there is no instruction on how to continue the claim. We would like to get a refund of the {$7900.00} from Chase because Chase didn't block the transaction. ( First unauthorized transaction it is the vendor 's issue, however, the second transaction after we informed Chase for half a month, and we still get charged it is for sure Chase 's responsibility. ) 6 : We contacted customer services, and their customer service told us the first complaint for the {$3700.00}, is already closed because we didn't send any proof. But no one told us to send us the proof and where to send it. They just closed the complaint without informing us. 
We told customer service please not close the case, we have proof just need to know where to send it. Then they told us the only way to send the proof is by fax or mail. However the fax no one responded, and we tried over 10 times. 

7 : Also today, from Chase XXXX office, they were calling and blaming us can not stop the transaction on time because we were using the secure message channel on their website, and blame us the reason they can not put the stop transaction block on time is that we didn't go to the branch to handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give EQUIFAX, XXXX, XXXX written permission to furnish these accounts listed below. 


1. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The following account is not mine XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Hi, Comenity Bank has not reported any updated balance on my account since XX/XX/2022. I reached out several times to them. My balance is {$0.00} but it shows on my credit report that I have an outstanding balance of {$9000.00}. They sent me a message on XX/XX/XXXX stating that because of a recent system update they are not reporting account updates to credit bureaus while our processed align for accuracy. I would assume that they suppose to report after 90 days maximum, this is very inconvenient for me. 
Thank you for your help.

Company response to consumer: Closed with non-monetary relief