vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
It is It is my belief and information, that my Credit Denial was a rush to judgement and I feel discriminated against which are both are a violation of my constitutionally protected rights. Everytime I ask for a reconsideration, I get the same computer generated response. I applied for the wrong application and immediately applied for the right one after XXXX denial reason is saying pending application. I asked the Agent to delete the first one and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: CT

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2023-09-07 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 non-monetary relief
Consumer complaint received 2023-09-07 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: VA

Complaint narrative:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: SC

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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

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 2023-09-07 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The company reported me as 30 days past due but during that 30-day period, I was unable to manually go to their website and make a payment. I did eventually call them to report the problem and was informed I could also make the payment by phone so I did immediately. I actually have 2 loans with this company and did not have problems accessing the other loan and made that payment on time. They are now showing on my credit report as 30 days late and it is negatively impacting my credit. I disputed the record but they refused to change it.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received a Chime debit card in the mail on XXXX. I did not apply for nor want this card. I called the customer service number on the card to inquire as to why this account was opened in my name & what is the email/banking account associated with the account. I called 3 times & spoke with 3 different representatives. When I would start asking questions, all three calls were mysteriously dropped. I want to close this card that was fraudulently opened, but nobody will help me do that or tell me whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
I was initially denied credit by MEI XXXX to purchase a vehicle. I was given a Adverse Action letter showing why I was denied. I advised the Finance Manager that I had frozen my credit and from being viewed. I advised that I have proof of income which exceeds the required amount needed to secure the asset. After complaining to the company that the laws are being broken in this transaction, the agent of the company advised me that credit would be extended on the conditions that I provide a down payment. I advised the company that this is against the law. The Finance Manager stated that {$3500.00} would get me " Anything on the Car lot ''. I only had {$2000.00} and needed a car bad because my car was stolen on XX/XX/2023. The company knew I needed a car bad so I can live my life and made it extremely hard for me as much as they possibly could. On XX/XX/XXXX, I asked for my refund via phone call with the finance manager twice during that call. The finance manager stated that I needed to speak with his XXXX to get a refund. I advised the finance manager that notice to agent is notice to principal. He reiterated that all refunds come from the XXXX and that he couldn't help me. I sent an email to XXXX XXXX XXXX of MEI XXXX on XX/XX/XXXX in regards to refund. Money has not been returned as of today. 

I sent email communication to the manager XXXX to discuss my contract and to request refund. XXXX advised me that the company is following all State and Federal laws. I advised XXXX of what happened at his location. I told him that his team would only allow me credit if I put a down payment in after denial of credit letter was generated. In my response, I stated that I wanted a refund of my down payment since the vehicle was returned less than XXXX from the time of signing the agreement. I wrote him to say that I had more questions as it pertained to the account and that in good faith I wanted the company to hold the vehicle until we can figure out the contract. I advised XXXX that the contract never clearly stated that I " owe '' a debt and I wanted more clarity to justify the numbers listed on the agreement. 

He replied that the only way to get a refund was to sign an agreement releasing liability. I paid the {$2000.00} before any agreement was signed. I clearly stated that I wanted a refund since they have the car, my private information, as well as my down payment. I thought returning my down payment was only fair until we get the contract situated. I have a receipt to prove I paid {$2000.00} for the down payment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Growing up in the United States I thought to be able to work and be able to afford not using my grandma for financial support was to become college educated so I can get a job that could afford basic rent outside and bills. I struggled and worked making XXXX dollars more than minimum wage yet still not enough to pay for my education due to the extremely high cost for in state tuition to graduate. I did my best and ultimately got my XXXX degree. I then after finishing I had more than XXXX in student loans. As a XXXX there is no interest free option of my loans and I honestly was not enough financial literate to understand what I was getting into. Either way I come to learn there is no options available for Muslims to be able to get interest free loans after I became a citizen later and then trying to understand all the financial aspects of what principal and interest means. I understand why our constitution believes the idea of " we the people '' make up the government yet then there is interest on we the people and learned in school we have XXXX branches of government for checks and balances to prevent a monarchy where can be corrupt and no longer serve its own people so we are better than that. Why is there no interest free options and why should there be capitalization and interest on XXXX citizens to the government that is made of its own citizens. Who is profiting from this usury? Is its own citizens or a company? As these are federal student loans to its own citizens where not all believe in usury ( XXXX in XXXX ) for the very reasons many are having hardship being able to get passed them today. Why does our tax dollars believes in public libraries and high schools but afterwards it's a cutoff. Where college is for contributing to society but high school and public education is tax funded but college isn't. Where XXXX XXXX believed we need to be educated to contribute well to our country and put it into our foundation of our laws. Where today the government isn't making it free to be educated after high school and many are not getting their education to be able to contribute to society contrary to the original intent of why that idea was put in. So we as a society can be educated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
At the beginning of XX/XX/XXXX, I received a letter from Bank of America stating their XXXX XXXX XXXX program was being discontinued. Consequently, the XXXX XXXX XXXX credit cards were to be converted into their Unlimited Cash Rewards cards. The letter stated if my accounts were open and qualifying payments were made from XX/XX/XXXX through XX/XX/XXXX, I would receive a final one-time statement credit of {$20.00} on each account within the next XXXX weeks. On all the cards, a final qualifying payment was made on XX/XX/XXXX. With regard to the XXXX week waiting period, if we were to start from XX/XX/XXXX, XXXX weeks later would be XX/XX/XXXX. Today is XX/XX/XXXX and I have yet to see the {$20.00} credits on any of my XXXX accounts ending in XXXX, XXXX, XXXX, XXXX, and XXXX. I upheld my end of the terms and I wish Bank of America will do the same.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) These Addresses are not mine. Never Lived at any 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
Consumer complaint received 2023-09-07 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: MI

Complaint narrative:
Dear XXXX, I am writing to dispute the inclusion of a credit account associated with XXXX XXXX  ACCOUNT # : XXXX on my credit report. I was only an authorized user on this account it doesn't belong to me. I did not provide consent for its reporting, as stipulated by 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ).

I request the immediate removal of this unauthorized account from my credit report, as it is adversely affecting my creditworthiness and preventing me from pursuing financial opportunities such as securing a new car, obtaining a loan, or purchasing a home. 

I appreciate your prompt attention to this matter and kindly request updates on the progress of this investigation. 


Sincerely, 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 non-monetary relief
Consumer complaint received 2023-09-07 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The Civil Rights Division of the Department of Justice, created in XXXX by the enactment of the Civil Rights Act of XXXX, works to uphold the civil and constitutional rights of all persons in the United States, particularly some of the most vulnerable members of our society. The Division enforces federal statutes prohibiting discrimination on the basis of race, XXXX, XXXX ( including XXXX, XXXX orientation, and gender identity ), XXXX, religion, familial status, national origin, and citizenship status. I confirm that this is a violation of civil rights and I will seek compensation for the damages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: AL

Complaint narrative:
The information on my student is currently incorrect. The loans from the schools XXXX University ( which is now XXXX XXXX ) and XXXX University Should of been remove and forgiven from my account due to a class action lawsuit. The amount of student loans is around XXXX in loans. Instead the loan amount is double to over a XXXX because XXXX student XXXX calculated the Consolidated student loans as additional student loans. The only loans that should remain on the account is the student loan from XXXX XXXX in the amount of {$3600.00}. When I spoke to the loan servicer Nelnet they said the information base on the what they receive from XXXX XXXX aid. I have paperwork from the school and bankruptcy courts stating the XXXX loan amounts are incorrect. I also have ledge from Bankruptcy that shows that I paid over XXXX in student loans while in Chapter XXXX bankruptcy. XXXX XXXX loan show no information on this on the site. Due to the bankruptcy payment I should get that refunded to me minus the XXXX I own to XXXX XXXX. Not sure why this is happening but it is also damaging my credit file.

Company response to consumer: Closed with explanation