vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 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: GA

Complaint narrative:
In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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 2023-02-03 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: FL

Complaint narrative:
In XXXX, I took out a Federal Parent Plus loan. In XXXX, it was switched to a private loan. I was never notified. In fact, I have never been contacted by mail, email or phone of any changes at all On XX/XX/XXXX, I was incorrectly advised of a deferment date. I have been given different answers each time I call Nelnet. I was told I believe in XXXX, XXXX that I was ahead on my payments because I had payed interest each month of XXXX $ during the first year of the pandemic. Thus I was in deferment till XXXX. On XXXX XXXX, i called to report difficulty with changing my password and was told a payment was due in XXXX ( which was o totally different amount than my original payment. The woman I to then asked many questions and put my loan in deferment until XX/XX/XXXX. She told me this and I documented it for my records. Today I was told by the Nelnet agent that nothing to that affect had been documented on XX/XX/XXXX and her note was that I had refused to pay. I had already been told I was in overpayment until XX/XX/XXXX. 
I was sent the application for XXXX on XXXX/XXXX and she instructed me how to fill outback. I was told today when I called that it was incorrectly filled out XXXX I need to submit a second application which I am doing today. I am a senior citizen on a fixed income who has never missed a scheduled payment and even paid halfway through the pandemic. I have been given misinformation, lied to and dont know where to turn. The original Loan was taken out through XXXX. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I pulled my Consumer report and I am showing Transunion Credit Reporting agency is reporting 7 inquiries from companies I did not authorize nor recognize.They are violating federal laws 15 USC 1692g ( debt validation ) as they never validated the debt with the original creditor. They have violated 15 USC 1681 ( Consumers Privacy rights ), they have also violated FDCPA. They are reporting inaccurate information on my consumer report hindering me from obtaining credit for a car. I sent certified mail demanding removal on XX/XX/XXXX and they have failed to respond. According to federal laws they have 30 days to respond and are outside of the response time window. 


15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. 

I demand removal of the misinformation being reported without my consent. They are also invading my privacy which is against federal laws.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, I sent your company a dispute letter last month, XX/XX/2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, BBB, and the XXXX XXXX XXXX XXXX XXXX so I'm resending the documents that I sent last month for you to look into.

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 2023-02-03 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: OH

Complaint narrative:
I am sending this to get negative accounts, charge offs and late payments removed from my XXXX credit report. Under the 609 code I am requesting that the information on my credit report for the following accounts be verified by providing me the original contract, a pay off disclosure, interest rate disclosure, balance history, payment history and credit insurance. If they are not verified I would like them removed and deleted off of my XXXX and TransUnion credit report. 

XXXX XXXX. {$530.00} Account # XXXX  XXXX XXXX XXXX  XXXX 
Opened XX/XX/XXXX Status open Last reported XXXX, XXXX XXXX XXXX XXXX {$310.00} Account # XXXX XXXX XXXX XXXX Opened XXXX, XXXX Status open Last reported XXXX XXXX XXXX XXXX XXXX. {$25.00} XXXX XXXX XXXX XXXXXXXX. 
Opened XXXX XXXX XXXX open Last reported 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 2023-02-03 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: NJ

Complaint narrative:
Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXXXXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I made XXXX payments of {$60.00} and {$65.00} on XX/XX/XXXX, but the store charged me another {$60.00}, XXXX charges total of {$65.00}, {$60.00}, and {$60.00}. I contacted CapitalOne regarding the XXXX charge and received a conflicting response from them. XXXX response told me that the XXXX {$60.00} was credited back to my account, but the XXXX response said I was responsible for the XXXX {$60.00}. I called CapitalOne dispute center, and after XXXX hours and a half on the phone, I was told that I am responsible for the XXXX {$60.00} because I did not send them a document showing that I did not make the XXXX {$60.00}. The store sent CaptialOne XXXX receipts with XXXX different signatures ( none of them are mine ), and I explained to CapitalOne that none were mine. The store did not ask me to sign any receipt at the time of the service. CapitalOne still insists that I do not have any document showing that I did not make the XXXX charge of {$60.00} and charged me {$60.00}. 

CaptitalOne sent me a letter saying that they credited me the {$60.00} on XX/XX/XXXX, but it is a false statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: ALLY FINANCIAL INC.
State: NH

Complaint narrative:
Ally Financial, and its agents have abused and deceived me as a consumer for their unfair practices of sharing " Our '' credit experience with third party organizations without prior consent/ permission from me the consumer. XXXX a agent whom works for this corporation stated that Ally believes they are furnishing accurate and complete information or our credit experience with you ( consumer ) labeled in exhibit ( A ) and therefor she will not request the removal from the reporting agencies. this is in violation of 15 usc 1681 a ( 2 ) ( i ) the fair credit reporting act Exclusions section meaning whats supposed to be excluded from a consumer report congress makes it clear that a report containing information solely as to transactions or experiences between the consumer and the person making the report ; must be excluded.

Ally was certified mailed to cease this form of communication including reporting to the credit reporting agencies. your organization never gave me a opt out clause to let me know as a consumer i have the right to opt out of credit reporting which is a violation of the gramm leach bililey act 15 usc 6801.

Note ; Ally has received and signed for all documents i have the green return receipts with signatures. this includes cease and desist, affidavit of Truth, invoice, notice of default opportunity to cure.

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 2023-02-03 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: NJ

Complaint narrative:
Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXXXXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the XXXX code.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Response from lender requests account information which I dont have access to & it states above not to include the information here. How can I resolve this?

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 2023-02-03 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: NV

Complaint narrative:
I submitted a dispute to Equifax back in XXXXXXXX XXXX XXXXXXXX  about two fraudulent accounts on my consumer report, XXXX XXXX XXXX XXXX one in the amount of {$5800.00} and the other amount for {$2500.00}. I submitted over my identity theft affidavit, my police report, and a statement stating the account was fraud and to block this information from my consumer report. Equifax sent a letter statement they were not going to block the account but they were going to investigate the account. On XX/XX/XXXXXXXX  Equifax completed the investigation and update my consumer report saying the account balance decreased by {$420.00} and the other by {$77.00}. The account was also reporting charge off but now the account is reporting as unknown payment history from XX/XX/XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am trying to see how did Equifax investigate a fraudulent account and furthermore how did a account go from charge off to unknown payment history and the account is back open. That is not accurate information that Equifax is reporting on my consumer report. Remove and block this account immediately from my consumer report. If the block is rejected, please send in writing why this block was rejected and what claims does Equifax have to support the rejection of this block. I will attach screenshots below of the status and history of this account. 

Accounts : XXXX XXXX XXXX ; Amount : {$2400.00} Accounts : XXXX XXXX XXXX : Amount : {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/2023, I received a notification that an inquiry was placed on my XXXX credit report for a JPMCB- Card services account. I reviewed the information on XXXX and determined that I never applied for this type of account or any credit within the last 90 days. I immediately disputed the inquiry on XXXX 's online portal, assuming that it was an error and the report came back that it was accurate. I then redisputed the inquiry again and advised that it was a fraudulent inquiry and XXXX again returned stating that it was accurate. On XX/XX/2023, I contacted the number on my credit report for JPMCB- Card services to inquire about the account but the customer service representative could not find my information in the system. She advised me to contact XXXX. Next, I contacted XXXX 's dispute center by telephone and spoke to a woman who advised me to take the next step to dispute the inquiry as fraud and to send in information regarding the fraud. She also advised me to contact the CFPB which I am doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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 to the Fair Reporting Act XXXX Account XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase has charged me late fees and closed one of my accounts. I always thought that the charges were excessive and I never thought they were reasonable charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022 I entered bank of America and opened an checking account. As well as savings account. 
Account is defined as : An extension of a credit by the Code of Federal Regulations and The Consumer Financial Protection agency guidelines, at this time I was not awarded any credit. I was also misguided and never alerted to the FDIC insurance of my accounts {$250000.00} protection in place due to the deposit I made when I opened the account. 
This is a criminal penalty and I am making the complaint to see that this location on XXXX XXXX XXXX in XXXX NY has their financial officer held liable for their role in this denied extension of credit and not making it known that I was insured at the time of the account commencing. 

I want to be contacted by the Bank of America and afforded the opportunity to have a line of credit extended as per the Code of Federal Regulations states that is the law, I want to hold the financial officer liable if he/she refuses to contact me and make this criminal penalty right. 
I want to be told that I am insured by the FDIC by employees of any financial institution,

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 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I got laid off in XX/XX/XXXX and one of the first things I did was contact Rocket Mortgage to put my loan in forbearance as everybody recommended. I was never told that the credit I have spent my life maintaing in peefect shape would forever be ruined. I keep an eye on my report weekly if not daily and as the months went by there were no impacts on my credit report. Then when I get a new job in XXXX and became financially stable I contacted Rocket Mortgage to begin payments. Instead of letting me begin payments they kept putting it off until finally in XX/XX/XXXX they set me up to begin making payments. Immediately afterwards my credit started showing me being extremely delinquent and irradicating 15 years of hard work. 

If I were either told my credit would be ruined or saw any impact to my credit, I would have either not gone into forbearance or ummediately cancelled it no matter what I would have had to do to make the payments happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 at XXXX XXXX  I received a email from a debt collector Amer Assist on behalf of XXXX XXXX XXXX saying that I owed a debt of {$120.00} and it was sent to collections. This is not accurate. I would like someone to please look into the false claim of a debt and harassing emails I am receiving from Amer Assist at work. It is not fair to be harassed by this company for a false debt. It is a violation of the fair credit reporting act to to report an inaccurate statement of balance due. As per FCRA Violations when an agency, business or individual fails to exercise proper care or takes action that a reasonable person would not with regard to your credit information, that is negligent behavior as XXXX XXXX XXXX XXXX has done. I would like XXXX XXXX to correct this false debt allegation and have Amer Assit stop harassing me via email and phone calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: NJ

Complaint narrative:
Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: FL

Complaint narrative:
I have two cards from Direct Express to get my retirement money every month.this month of XXXX they cancelled my card without my concerned and send me a new one witch is block.both cards now are blocked and I can't get my money.i am an old person that has health problems, XXXX XXXX XXXX XXXX, and probably I have another XXXX XXXX XXXX XXXX.i called Direct Express for more than 5 days also the Social security.now because neither wanted to help me I decided to open a bank account and tell Social security office to send the money there but I have to call Direct Express they said.i call Direct Express but they don't want to send my money to my bank acct

Company response to consumer: Closed with explanation