vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 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: CA

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-16 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: CA

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-15 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:
In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1668B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I submitted a FTC report as well and Transunion is allowing XXXX XXXX XXXX XXXX to violate my Fair Credit Reporting Act.

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 2023-12-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a gift card for my birthday in XXXX. Used it at XXXX, returned what I bought, bought something else. Then I didn't use it until the day after XXXX and there was no money left on it. The charges were made on XX/XX/XXXX, the same day I noticed them and I called immediately. 

I contacted one of the places that was charged, never heard back. The other charge was for some sort of crypto thing and they had no way to find out where the money went. 

I put in a dispute and they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Nelnet illegally capitalized interest on my loan and is ignoring my requests to rectify the situation. I have been in the same IBR plan for several years. Nelnet demanded I recertify with them separately, even though I already recertified through studentaid.gov for my other loan with another servicer. The deadline to request recertification was XX/XX/23. I could not recertify for Nelnet on studentaid.gov, because I already had for 2023. So I called Nelnet and they said to upload a self-certified income document, which I did XX/XX/23. Then they sent me an IDR application and I submitted the application and uploaded the documents to their upload portal on XX/XX/23, as instructed by their customer service agent. Then in XXXX they wanted another application. So I emailed it this time. Then on XX/XX/23 Nelnet capitalized about {$2200.00} in accrued interest. But they should not have done it because I never entered deferment or ended/changed my plan. 

Then I asked them on the phone why they capitalized, which took 2 hours on hold! They said it did not happen. But I have the statements to prove they did it. Then I emailed them several weeks ago and got no response. 

Nelnet should reverse the capitalization of accrued interest because I never entered deferment or ended my plan. Any delay in processing my recertification was their fault. And they need to get more customer service. 2 hours for a call is unacceptable. And nobody at Nelnet responds to emails. They purposely make it impossible to get information or get things resolved. Super shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have sent debt validation letter since XX/XX/XXXX  XXXX XXXX  XX/XX/XXXX  and again on XX/XX/XXXX  I also went throught the XXXX  and have file complaints through this company and XXXX XXXX and XXXX that my social security number has been confiscated on several occasions and unauthorized accounts have bee open in my name. These companies fail to investigate these accounts and I haven't received any validation of debts from the company either inwhich the company 's are violating the laws of the FCRA BY NOT REPLYING WITH THE 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I sent a letter to Mariner Finance 2 months ago requesting that the following account be removed from my credit report due to incorrect reporting. Per my dispute letter sent XX/XX/23, under 15 U.S. Code 1681b Permissible purposes of consumer reports, I XXXX XXXX, never gave you any written consent to report anything on my consumer report. I also sent a letter dated XX/XX/2023 informing you that the account is reporting inaccurately. You are furnishing different dates for the open date, date last updated, and different high balances. I am fully aware that this is a violation of the FCRA, and I am liable for monetary compensation. I am requesting that the account XXXX is removed from my credit report immediately. Please see the attached dispute letter that is dated, and time stamped for your reference. Failure to address this matter promptly will leave me with no choice but to pursue legal action, filing a statement of claim against Mariner Finance for clear and apparent negligence, FCRA violations, and the XXXX XXXX caused by the serious financial problems and distress resulting from these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I was a XXXX student in XXXX and someone used my social security number and my ID and built 7 different accounts under my name without my permission, the bills start showing up from XXXX until XXXX with total aroundXXXX , which i never purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was a XXXX student in XXXX and someone used my social security number and my ID and built 7 different accounts under my name without my permission, the bills start showing up from XXXX until XXXX with total aroundXXXX , which i never purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: DISCOVER BANK
State: SC

Complaint narrative:
I was a XXXX student in XXXX and someone used my social security number and my ID and built 7 different accounts under my name without my permission, the bills start showing up from XXXX until XXXX with total aroundXXXX , which i never purchased

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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 XXXX XXXX they keep reporting me late I keep writing them theyre halfway communicating with me they dont have a phone number to be rich theyre not corresponding to any of my emails My account has a XXXX balance on them. Im paid up in full and they reported me late and when I ask them to correct it, they went and reported me 60 days late the next day to be funny. This company is purposely trying to mess up 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 non-monetary relief
Consumer complaint received 2023-12-16 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: FL

Complaint narrative:
I XXXX XXXX they keep reporting me late I keep writing them theyre halfway communicating with me they dont have a phone number to be rich theyre not corresponding to any of my emails My account has a XXXX balance on them. Im paid up in full and they reported me late and when I ask them to correct it, they went and reported me 60 days late the next day to be funny. This company is purposely trying to mess up my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX they keep reporting me late I keep writing them theyre halfway communicating with me they dont have a phone number to be rich theyre not corresponding to any of my emails My account has a XXXX balance on them. Im paid up in full and they reported me late and when I ask them to correct it, they went and reported me 60 days late the next day to be funny. This company is purposely trying to mess up 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 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been having this credit card for 5 years and have yet to receive a credit limit increase on my card in which when i signed up for this card i was told i would be able to request a increase. I have had m y credit run multiple times and still have NOT been able to get a credit increase. I have a good paying record with this company as well. One of my cards was a secured card and i have yet to even get a increase and i was also told on that card if i made 6 on time payments i would receive the increase automatically but each time they run my credit with a hard inquiry and leave that mark on my credit without me receiving a increase and actually being denied as if im not a valued customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to you today in accordance with the provisions outlined in the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), which emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy.

In alignment with this right to privacy, as supported by 15 USC 6801, it is my prerogative to ensure that my private information is not shared. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) delineates that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. As such, it is imperative for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as specified in section 1681b.

Regrettably, my recent examination of my credit report has revealed instances where reasonable procedures may not be adequately maintained by TransUnion, XXXX and XXXX. In adherence to the rights afforded by 12 CFR 1016.7, I am hereby exercising my right to opt out at this time.

I kindly request the removal of the following accounts from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX Request : Please delete this account and any similar accounts from my credit report. 

XXXX Account XXXX : XXXX Request : Kindly remove this account from my credit report. 

XXXX XXXX Account XXXX : XXXX Request : Please delete this account from my credit report. 
XXXX XXXX Account XXXX : XXXX Request : Kindly remove this account from my credit report. 

XXXX Account XXXX : XXXX Request : Please eliminate this inaccurate information from my credit report. 
I appreciate your prompt attention to this matter and the timely removal of the specified accounts 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 2023-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Noticed my Synchrony Bank XXXX XXXX credit card account was closed without any notice in XXXX. Never missed a payment. I asked why my account was closed and was told it was due to my credit score. I asked where in my contract it stated that, and why I never received notice. Was then told there was nothing that could be done and was not given any further explanation.

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 2023-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
I sent {$1000.00} on XX/XX/XXXX  from my XXXX XXXX checking account via Zelle  to my Daughter, XXXX XXXX XXXX XXXX XXXX  account. Unknown to me at the time the funds were transferred to a XXXX account holder. My daughter 's cell phone # that I typed into Zelle was previously the cell phone # of this person at XXXX. I filed a complaint with XXXX XXXX on XX/XX/23, and since then 10 business days have elapsed and XXXX tells me the case is closed, I have not received the {$1000.00} back into my bank account. I called XXXX and they can not help, they said to call XXXX XXXX. Additional info- the woman who used to have this cell phone # is in debt by about $ XXXX, which my daughter has gathered from all the collection calls she receives for this previous owner of the phone #. I believe my daughter might have the name of the woman who received the {$1000.00}, only because my daughter still receives phone calls for this woman. I want to file this complaint right away, but I can follow up and provide the woman 's name. My main question/complaint is how come the banks and Zelle transferred the funds into a person 's bank account and they didn't cross check the name of the recipient with the Name I put into Zelle? The transaction details in my bank account show the name on the account to be XXXX, but the funds were transferred to a different person. Shouldn't the banks and Zelle be cross checking the name that I put in as the recipient to be the same as on the account they are depositing the funds into?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone sent me a link and got into my bank of America account and transfered out {$1600.00} into there account i called bank of America to try to stop the transfer they said they couldn't and just filed the dispute for me instead of stoping the transfer or reverseing it back.

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 2023-12-15 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: TX

Complaint narrative:
I sent a letter to XXXX XXXX 2 months ago requesting that the following account be removed from my credit report due to incorrect reporting. Per my dispute letter sent XX/XX/XXXX, under 15 U.S. Code 1681b Permissible purposes of consumer reports, I XXXX XXXX, never gave you any written consent to report anything on my consumer report. I also sent a letter dated XX/XX/XXXX informing you that the account is reporting inaccurately. You are furnishing different dates for the open date, date last updated, and different high balances. I am fully aware that this is a violation of the FCRA, and I am liable for monetary compensation. I am requesting that the account XXXX is removed from my credit report immediately. Please see the attached dispute letter that is dated, and time stamped for your reference. Failure to address this matter promptly will leave me with no choice but to pursue legal action, filing a statement of claim against XXXX XXXX for clear and apparent negligence, FCRA violations, and the mental anguish caused by the serious financial problems and distress resulting from these inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter to XXXX XXXX 2 months ago requesting that the following account be removed from my credit report due to incorrect reporting. Per my dispute letter sent XX/XX/XXXX, under 15 U.S. Code 1681b Permissible purposes of consumer reports, I XXXX XXXX, never gave you any written consent to report anything on my consumer report. I also sent a letter dated XX/XX/XXXX informing you that the account is reporting inaccurately. You are furnishing different dates for the open date, date last updated, and different high balances. I am fully aware that this is a violation of the FCRA, and I am liable for monetary compensation. I am requesting that the account XXXX is removed from my credit report immediately. Please see the attached dispute letter that is dated, and time stamped for your reference. Failure to address this matter promptly will leave me with no choice but to pursue legal action, filing a statement of claim against XXXX XXXX for clear and apparent negligence, FCRA violations, and the mental anguish caused by the serious financial problems and distress resulting from these inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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:
I have been the victim of the Equifax data breach, XXXX XXXX XXXX XXXX leasing data breach. My information has been compromised I have noticed some more accounts and inquiries on my credit report that someone has opened that i have not AUTHORIZED. I have submitted an FTC report and I have a police report that i had obtained when i first noticed the identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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