vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 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: IN

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. 

Account name : # XXXX, XXXX XXXX Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX  XXXX Account Name : # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, US Sept. of Education has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which antedates the report more than XXXX 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 2024-04-28 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I recently viewed my credit report and noticed there was fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: WA

Complaint narrative:
Hi on Friday XX/XX/year> I reached out to IQ DATA/ASSURANT to look into a debt that I was never made aware of to resolve from an old apartment complex I lived in. I explained the situation and immediately the rep was rude I explained that i could pay the debt but requested that it be removed from my credit report as its keeping me from getting into housing. I tried to set up payment for my next pay date which is the next week and he said that wasn't an option I had to pay in full today XXXX dollars or they wont remove it at all. I got angry and upset and I hung up. I decided to call back to see if I could get a more reasonable rep on the phone but it was worse he stated the same thing then told me to borrow the money to pay the debt if I wanted it removed. I pleaded with him and explained again that I was trying to resolve this then he proceeded to tell me that the prior rep is already taking action against me in some form but wasn't specific but it felt very threatening. I only just found out about this debt XXXX weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
Referring to complaint XXXX I used to own to an XXXX XXXX ( XXXX model ), which I sold in XX/XX/XXXX to XXXX XXXX  XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ). This sale was as part of trade-in while buying a new car from this XXXX dealership XXXX I am now being told that this sold XXXX XXXX was involved in an accident on XX/XX/XXXX and I am being asked by " Lien Enforcement Inc '' that I owe a debt amounting to {$1800.00}. 
I am attaching along the proof of trade-in from the dealership - " Notice of Release of liability '' and " DMV Vehicle Transfer form ''. This clearly provides evidence that starting XX/XX/XXXX, I have nothing to do with the XXXX car in question here. The debt collection company needs to work with DMV to sort out the new owner of this car. They need to stop calling me anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have an American Express XXXX XXXX with {$41.00} on it still. I am trying to use it online but it keeps declining. The card is advertised as something that can be used anywhere as long as it has enough money on it. They simply say to use it elsewhere until it works but I dont want to do that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Requested proof that this debt belongs to me XXXX 's with no reply

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 2024-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
So apparently for the last XXXX or 6 months I have been dealing with an online scanner using my data to take out a loan in affirm company to buy stuff online. When I saw that I owe money to XXXX, I was like wait. I never took out a loan for XXXX to only find out that theres all these other loans and that I am past due I am delinquent the money was being taken out of my chase credit cards, so Im not quite sure how someone had my credit card my Social Security birthday address email whatever it is and pretending to be me taking out this loan. I contacted a firm about XXXX times along with XXXX XXXX which I submitted a complaints about them as well and it just seems like the XXXX companies can not work together to figure out this dire situation. I take pride in my credit and it has now given me XXXX dings on my credit for late payments. I originally according to XXXX paid for these loans through my credit card that I contacted them as this is fraud, they gave me they reverse the charges. Give me a new card. It was done again same thing again they gave me they reverse the charges giving you card now its being done again, and Its like Im living a nightmare. I have no idea what to do where to turn to because every time I talk to somebody its several things that they can not give me a complete answer. Theres another department I talk to you that departments not there. Ill have to call tomorrow morning then when I do call that department, not there theyre busy and its just this ongoing battle uphill against myself and as a single parent, I am struggling already and it is not fear that I have to struggle even more to figure out. Can I even get a loan to get a part or a condo? I dont even know because no one will help me here and I feel like Im in a bad dream.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank keep getting hacked. In the last month of XXXX through XXXX I have had about XXXX phone calls with the fraud department and they have taken off the charges and fees given me about XXXX new replacement credit cards because the charges and fees keep coming back onto my account, so there is XXXX protection, I just called today as I saw from XXXX weeks of having a - {$40.00} balance that my balance now is over {$2000.00} and the same charges that I was disputing are now back on so then I go onto this XXXX  website that someone opened up in my name to only find out that the money chase took out did not go to that company, so where is my money? I asked Chase this question and their response to me was I am so sorry maam the department that you are trying to call is not there you have to call in in the morning and then I definitely asked the lady to please have someone else read the computer to see if theres anything that they can see as to why this keeps happening so then she puts me on hold she calls the fraud department then they tell her that my files and recovery department but they have no idea why. This makes sense to me because fraud is the steppingstone to recovery so who in fraud or what happened in fraud that caused recovery to then charge me again without consulting me and why am I not able to get these answers? Why is it OK for a company to take out money for something I did not purchase to only then out of nowhere put those purchases back on plus fees not to mention Im still dealing with this XXXX XXXX who saying that I have not paid these bills because again someone made up these accounts under my name, Social Security, whatever it was, and now my credit is getting crushed and I still can not get a complete answer. This is enough to make someone hospitalized due to the stress. It is causing, I take very great pride in my credit. Ive never had the situation happen in my XXXX years of life and Im not quite sure why its happening now. Ive never had this issue with any other bank besides Chase. 

There were also charges all over the place like XXXX ( which I do use but on another account, I company in XXXX and I was never there )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: IN

Complaint narrative:
On XX/XX/year>, I formally communicated to your agency via certified mail that I was the victim of identity theft. Despite this notification, as of today, XX/XX/year>, your agency persists in reporting information that arose as a result of this identity theft. Under Section 605B, which governs the Block of Information Resulting from Identity Theft, consumer reporting agencies are mandated to inform furnishers of information, including financial institutions, when there is a possibility that reported data may stem from identity theft and that an identity theft report has been filed. 

In accordance with this requirement, I provided FTC report number XXXX and requested a block on the fraudulent information. Upon your receipt of this notice, Section 623 ( a ) ( 6 ) compels furnishers to cease the reporting of any information in a consumers file that the consumer identifies as resulting from identity theft. This action must be taken no later than 4 business days following the receipt of : ( 1 ) adequate proof of the consumers identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of the specific information by the consumer; and ( 4 ) a consumer statement affirming that the information does not pertain to any transactions made by them.

I have fulfilled all these conditions, which will be substantiated by the documentation attached to this complaint. However, your agency has not complied with the Federal Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c2, which requires the blocking of information identified as resulting from identity theft within the stipulated timeframe. This constitutes a violation of the law, making your agency civilly liable for willful noncompliance. I am entitled to seek actual damages sustained due to this oversight, as outlined under 15 U.S. Code 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: IN

Complaint narrative:
On XX/XX/year>, I formally communicated to your agency via certified mail that I was the victim of identity theft. Despite this notification, as of today, XX/XX/year>, your agency persists in reporting information that arose as a result of this identity theft. Under Section XXXX, which governs the Block of Information Resulting from Identity Theft, consumer reporting agencies are mandated to inform furnishers of information, including financial institutions, when there is a possibility that reported data may stem from identity theft and that an identity theft report has been filed. 

In accordance with this requirement, I provided FTC report number XXXX and requested a block on the fraudulent information. Upon your receipt of this notice, Section 623 ( a ) ( 6 ) compels furnishers to cease the reporting of any information in a consumers file that the consumer identifies as resulting from identity theft. This action must be taken no later than 4 business days following the receipt of : ( 1 ) adequate proof of the consumers identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of the specific information by the consumer; and ( 4 ) a consumer statement affirming that the information does not pertain to any transactions made by them.

I have fulfilled all these conditions, which will be substantiated by the documentation attached to this complaint. However, your agency has not complied with the Federal Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c2, which requires the blocking of information identified as resulting from identity theft within the stipulated timeframe. This constitutes a violation of the law, making your agency civilly liable for willful noncompliance. I am entitled to seek actual damages sustained due to this oversight, as outlined under 15 U.S. Code 1681n.

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 2024-04-28 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: OR

Complaint narrative:
Started going XXXX XXXX online back in XXXX for a degree that hey made up. I was told to apply for a student loan at the time while XXXX XXXX XXXX XXXX  and a few months into the program a guy named XXXX XXXX told the VA that I was not XXXX XXXX XXXXXXXX XXXX  during the time I was clearly XXXX XXXX XXXX XXXX XXXX. I was unemployed and the XXXX XXXX  money was my only income to pay my bills at the time. I had to XXXX XXXX XXXX because I couldnt afford to keep XXXX XXXX and actively keep looking for work during the bad economic times then. They treated to keep my XXXX XXXX XXXX until the XXXX XXXX were paid off. Doing this I couldnt use the credits I earned to XXXX XXXX XXXX and decided to quit pursuing a degree until I could pay the loan off. Recently I saw all of XXXX XXXX loans were supposed to have been forgiven because President Biden saw the fraudulent degrees this school was scamming students with back around XXXX or so. Recently because the first loan Forgiveness didnt pas in congress the loans were supposed to resume, but my loans were sold a couple times and the amount even went up from a little over {$7000.00} to now a little over {$20000.00}. Nelnet is the current owner of the loan bought from XXXX XXXX without my authorization they have sold my loans between each other several times adding there own fees to it. I tried to get ahold of Nelnet on the phone and online, but cant get through to them. Between this school and my divorce I had to file bankruptcy because of my debts. Unfortunately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope you're doing well. I need to report an error I found on my credit report. It says I made a late payment, but I actually paid on time. It's important that credit reports are accurate, so I'm reaching out. 

I've attached a copy of my credit report with the supposed late payment date ( XX/XX/2024 ). Can you investigate this? If you can't find proof of a late payment, can you fix it to show that I paid on time? 

Thanks for your help and quick action on 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 2024-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Its the same old tricks from Venmo : XXXX ) allowed me to buy XXXX ; charged fee XXXX ) wont let me send XXXX XXXX ) allowed me to sell XXXX ( to get my money back ) ; charged fee. 
XXXX ) holding my money for a week after selling ( unheard of in industry ). 

Dont reference your XXXX XXXX  XXXX. You are a XXXX XXXX company that should have your license revoked. Its all over XXXX, you pull the same stunts with everyone. Why the XXXX XXXX or the CFPB hasnt fined you more or taken your XXXX license away is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Requested proof that this debt belongs to me XXXX 's with no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called Experians membership department located in the XXXX on XX/XX/year>, on or around late afternoon PDT. I spoke to a female XXXX agent named XXXX. She gave me false and misleading statements. She told me I could fax documents to experian at ( XXXX ) XXXX. I told the agent Experians dispute department doesnt have a fax number and doesnt accept faxes. However, XXXX was adamant that I could fax documents. I then asked for her supervisor to confirm. I then spoke to a male XXXX who identified as the supervisor. He confirmed the fax number is correct and that I can in fact, send documents to the fax number for the dispute department. Then I called the fax number to make sure it was a fax line. And as I suspected, it wasnt a fax number ; it was a hospital in XXXX Nebraska. Im sick and tired of the XXXX department providing false and misleading statements. Also, because experian has a history of ignoring CFPB complaints with generic responses that dont correlate to the complaint, I will also escalate my complaint with the : XXXX and OAG.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
After the pandemic, banks, and the main mortgage guarantors meaning FHA, XXXX, the VA, as well as government mortgage companies XXXX XXXX and XXXX XXXX  granted grace periods or offered mortgage relief options through my mortgage loan servicer in my state to their customers affected by COVID-19. 

I reviewed my consumer report and noticed that I had 3 late payments on a mortgage account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report accurately. 

Please investigate and provide proof with statements showing that these payments were late. If proof cant I demand these payments be updated to on time as they should be as I was never late. 
Thanks.

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 2024-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I got married in XX/XX/XXXX to XXXX XXXX in XXXX Ny and in XXXX of XXXX My credit score was okay and better than hers so I thought I would be a good husband and sign my name on the contract for the auto loan through credit acceptance but as circumstances would have it we soon separated then as of XX/XX/XXXX officially divorced. I never driven the XXXX XXXX XXXX  and to my understanding through my last communication with XXXX via text message I believe it is about two years ago now she once again had another vehicle repoed and I'm quite sure it has been resold and to this day I'm the one that still receives statements from credit acceptance expectant payments and they even have given me the option to pay off the loan at a significant reduction but since it was never my vehicle except for my stupid signature how long can they keep my credit score hostage for something that was never mine and vehicle more then likely got resold can I get their negative credit reporting at the end of the month off my 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