vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-11-08 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I purchased a vehicle In XX/XX/2019 and later filed for bankruptcy. This vehicle was listed on the bankruptcy and during that time I was involved in an accident where the car was totaled however the vehicle is listed as a repossession and late payment even though it was paid in full by the insurance company. This is through Exeter Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-11-08 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: NY

Complaint narrative:
Your allegations have disappointed me, and I am dismissing them because you have not provided any substantial evidence to back them up. Dispute these accounts, please! Alternatively, I'll be suing you for a remedy. Anger, displeasure, discomfort, and open frustration. These feelings are the result of your bureau 's excruciatingly sluggish reaction to my identity theft allegation as well as its persistent denial. It's important to emphasize that this is a terrifying scenario. The amount of damage to my financial security and mental health that has resulted from dealing with unauthorized accounts and activities is immense. The emotional whirlwind I've experienced is quite upsetting. I beg you to look into these issues thoroughly as soon as possible, take the bogus accounts off my credit report, and assist me in getting my financial situation back on track. As a victim of identity theft, I'm not requesting preferential treatment ; rather, I'm requesting what is legally mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX. I anticipate receiving a formal acknowledgement of my dispute letter along with a definite promise to look into my identity theft allegation as soon as possible.

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 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am filing for bankruptcy and XXXX XXXX continues to contact both myself and my wife. I have given them my lawyers contact information and told them that any further communication should go through them. When they call I tell them again that all communication needs to go though my lawyer, they say they wont be able to continue the call until they verify my information and keep saying that over and over.

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 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/23, at approximately XXXX, I was attempting to increase my weekly cash in limit on Cash App for investment purposes. One of the first search results on XXXX was linked to a supposed customer service line for Cash App, which was a fake support line. Upon speaking with the representative, they instructed me to sell my investments in order to increase my cash in limit. This was understood to be a requirement in order to reset the weekly limit on my account. I only agreed to do this because I believed it was the valid Cash App customer support line. They ultimately remoted into my smartphone through the XXXX XXXX XXXX access app, stole all of my money in the account ( ~ {$8200.00} ), and then wiped all of my data including account statements, transaction history and tax forms. Once my money had been stolen, they disconnected and hung up the phone. The number they used is ( XXXX ) XXXX. 

Once I identified the fraud, I immediately contacted Cash App to alert them of the scam and notified them that I did not intend to authorize this transaction and it was done under false pretenses. However, upon reviewing my case they quickly rejected my claim and said that it was authorized when it was clearly fraud. I also attempted to inquire about them pulling my transaction history since it is inaccessible to me, and they indicated several times that it was not available. Currently they are refusing to provide a refund for the stolen funds from my account, have again rejected my claim, and are not providing me any supporting documents or transaction history of what occurred. 

I have now lost all of my funds in my account, I am not able to gain access to my transaction history, and have no tax forms for any prior transactions. I find this unacceptable that the company is unwilling to seriously consider my claim given I have provided sufficient evidence of the fraud, and that they seemingly have no backup information tied to my account that they are willing or able to provide me. It's very frustrating as a consumer that this company seems unwilling to help and doesn't seem to have any information I feel I am entitled to as a customer. 

My claim number with Cash App is XXXX for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: GA

Complaint narrative:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX, GA XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08 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: MOHELA
State: WV

Complaint narrative:
I am not sure that MOHELA is properly administering the new SAVE repayment plan on my student loans. On XX/XX/2023, when the COVID pandemic forbearance was still in effect, I applied to switch to the SAVE repayment plan. Please see the attached PDF from studentaid.gov. The interest on my student loan was frozen during the COVID pandemic forbearance. My student loan servicer MOHELA processed my SAVE plan request on or about XX/XX/2023, when the COVID pandemic forbearance was still in effect. Please see attached letter from MOHELA. My monthly payments are {$220.00} under the SAVE Plan. My total student loan balance was {$250000.00} on XX/XX/2023, which is the date the COVID pandemic forbearance ended. Please see the attached screenshot. As of today, XX/XX/2023, my student loan balance is {$250000.00}. Please see the attached PDF of my MOHELA borrower portal homepage. Studentaid.gov specifically states : The SAVE Plan has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the SAVE Plan prevents your balance from growing due to unpaid interest. Please see the attached from studentaid.gov. Even when you add my {$220.00} monthly payment to my {$250000.00} loan balance at the time the COVID pandemic forbearance was in effect, my balance should only be {$250000.00}. My balance should increase to {$250000.00} per month at the most and then revert to {$250000.00} after I make my {$220.00} monthly payment under the SAVE plan. While I am certainly not an expert on the nuances of the SAVE plan, MOHELA has failed to adequately explain its practices to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: OR

Complaint narrative:
US Bank account 1. On XX/XX/XXXX, XXXX, a banker at the XXXX location, opened a business account for me and promised a {$500.00} bonus if I maintained a {$5000.00} account balance. To meet this requirement, she transferred {$5000.00} from my personal checking account to the business account, instructing me to leave it there for at least 60 days to receive the bonus. After more than two months, I still hadn't received the promised {$500.00} bonus. On XX/XX/XXXX, I returned to the bank to file a complaint. XXXX didn't want to resolve the issue and referred me to another banker under her supervision. This new banker claimed it was my fault and insisted I needed to deposit {$5000.00} in new money into the business account, a requirement I was never informed of. However, they never got back to me. On XX/XX/2023, I decided to visit a different branch at XXXX and filed a complaint with XXXX XXXX, the branch manager. He promised to get back to me soon, but I haven't heard anything since then. 

2. XXXX also offered to open a savings account for me, assuring me there would be no fees regardless of the account balance. However, I later discovered that there was a $ 5 monthly fee, which contradicted her initial statement. 

I believe there may be a network-wide issue within the bank covering up the misconduct of its employees. I'm seeking assistance to resolve this stressful situation.

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 2023-11-08 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IN

Complaint narrative:
On XX/XX/XXXX. I contacted MOHELA about XXXX loan forgiveness. They stated I had XXXX qualifying payments for loan forgiveness. I recertified and by the end of XXXX my qualifying payments were at XXXX for both loans. When on the phone, a representative said that I could certify for a job I had in XXXX and XXXX. I sent in the paperwork at the end of XXXX and was approved for XXXX more months. One of my loans was forgiven, but the other portion still shows XXXX. Every correspondence, they representatives and the XXXX XXXX XXXX keep starting I am approved for dates XXXX and XXXX. Besides 2 months in XXXX all have been approved, which as my calculations show is XXXX payments. No one will fix my issue. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: GA

Complaint narrative:
I purchased a vehicle In XX/XX/2019 and later filed for bankruptcy. This vehicle was listed on the bankruptcy and during that time I was involved in an accident where the car was totaled however the vehicle is listed as a repossession and late payment even though it was paid in full by the insurance company. This is through 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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
I have made four payments totaling almost {$600.00} and my loan went down {$59.00} I never was told that I would be paying all my interest upfront

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: AL

Complaint narrative:
XXXX loan repayment recently resumed. I made my first payment to Nelnet on XX/XX/2023. I paid the minimum amount on most loans and added a little extra to my loan with the highest interest rate. 

As of today, two weeks since my payment, the money has not been withdrawn from my bank. I called to see if they had any record of it or issues and my bank said they do not see the payment.

However, the day I paid Nelnet sent me a confirmation email with details about the payment. Their website now says I have a past due balance, shows no payments have been made in my payment history. After spending hours a day on hold ( while at work ) I cant get in touch with anyone from Nelnet to explain the situation.

I am concerned this missed payment is affecting my credit score and that more intense is accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
An inquiry from Navy Federal appeared on my account on XXXX XXXX XXXX, my information was not provided to do so, so this was done without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-11-08 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: OH

Complaint narrative:
I reviewed my Consumer Reports and noticed that I have inaccurate late payments on this account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Account : ( XXXX ) : ( XXXX ) Please remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: OH

Complaint narrative:
I reviewed my Consumer Reports and noticed that I have inaccurate late payments on this account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Account : ( XXXX ) : ( XXXX ) Please remove this account from my credit report.

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 2023-11-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation