vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANKMOBILE TECHNOLOGIES, INC
State: NV

Complaint narrative:
Hello my name is XXXX XXXX XXXX I am submitting this claim today because my bank has put my account in the negative of the amount {$3800.00}, because I unauthorized deposits and use the funds from a account belonging to a XXXX XXXX and XXXX XXXX. I was told initially that bankmobile would reverse and refund those deposits and funds, and return it to their XXXX XXXX  respectfully However, upon having further contact with the account holders/merchants, I learned that the bank never sent them anything and so my account is in the negative for no reason ; and the bank refuses to disclose any information to me, XXXX, or XXXX XXXX regarding these funds, or where they went. So, I asked that you guys please provide a solution to this problem. I uploaded all the documentation surrounding these claims and accounts, along with the approval of the banks statement that they would return and reverse the funds to XXXX XXXX and XXXX XXXX. you can also see by the statement that my account is in the negative as well. Due to me receiving provisional credit, my account is not negative {$3800.00}, but {$2600.00}... please help again with these disputes matters

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 2023-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-08-19 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: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect 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 non-monetary relief
Consumer complaint received 2023-08-19 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: NC

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 2023-08-19 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: NC

Complaint narrative:
I

n 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 2023-08-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Westlake Services, LLC
State: GA

Complaint narrative:
They company will disable my vehicle when there was a agreement on file then they came to repo my vehicle after the payment was paid doing the time of arrangement I gave them there money an they still repoed the car an had me pay more to get it back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-08-19 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: TX

Complaint narrative:
I am submitting my complaint about corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The Experian and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct this late/open account immediately. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and Experian Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Please change the status to Paid or simply " correct '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance : {$6300.00}.

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 2023-08-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: VA

Complaint narrative:
On XX/XX/2023 at XXXX XXXX  I made an XXXX reservation in a Klarna credit card ending in XXXX for {$1700.00}. Later on that morning I cancel the reservation and XXXX issue the total refund back to the card. 

I have provided verification to Klarna Dispute Department and they continue to insist that I own them {$1700.00} even when presented with receipts that the money was refunded back to them. This dispute has been on going since XXXX till today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries 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 explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Hello, On XX/XX/XXXX I received an email from studentaid.gov " We reviewed your application and determined that you are eligible for loan relief under the plan. We have sent this approval along to your loan servicer. You do not need to take any further action ''. 

Unfortunately that was a lie, and my federal student loan through Great Lakes was sold to Nelnet and appeared back on my credit report and my loan was re opened with that new lender who had sent me all the information I needed to know in regards to my interest starting to accrue in XXXX and my first payment in XXXX. 

I am currently unemployed and have family that has offered to come together and help me settle on my student loan amount, so that it doesn't sit and accrue interest and then I have no chance at digging myself out of an interest nightmare or risk not making any payments or making income driven payments that don't even cover the cost of the interest on the loan. 

On XX/XX/XXXX at XXXX I contacted customer service ( XXXX ) at Nelnet asking what information they would need from me to submit a request for a settlement amount? The response was " we do not even offer settlements for student loans '' So I had asked what I could do about that, was there any other way around that and she asked me if I was a teacher and they have a program for that. I do not qualify for that and I also do not work for a non-profit as I had mentioned twice I was currently unemployed and looking to settle on my loan with help from my family while I had it. There was still no option for me to settle on an amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX XXXX  XXXX Balance {$900.00} XXXX XXXX XXXXXXXX Balance {$900.00}

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 2023-08-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX XXXX  XXXX Balance {$900.00} XXXX XXXX  XXXX Balance {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Today, XX/XX/2023, Harpeth Financial took everything out of my account and my son 's account WITHOUT notifying me!!! I have no idea who they are or even who they represent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-08-19 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: WI

Complaint narrative:
After denial of an new home around the beginning of 2023 I learned that my credit report had fraudulent accounts and incorrect information all over my credit report It really had me shocked and sad because after my brother recently passed away I wanted to get away and start fresh to many memories in my home town all this incorrect information stopped my XXXX boys and me for being able to obtain housing which left me back in forth in hotels I had to come back and live with my mom with XXXX kids in a XXXX bedroom apartment all because the credit buruoes are reporting fraudulent accounts and wrong information after I tried to get this fixed with the credit bureaus on XX/XX/2023 and and they did not help me remove the accounts nor did they do a proper investigation I start doing my research on credit and I found under the ftra it most be deleted out all 3 credit bureous were breaking the law and that 603 - 15 U.S.C. 1681a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope this letter finds you in good health and high spirits. I am writing to bring a concerning matter to your attention regarding the living conditions in my current housing facility. I am currently enrolled at XXXX XXXX and require a suitable environment to study and live in order to ensure the successful pursuit of my academic goals. 

I regret to inform you that I have been facing severe mistreatment, theft, and verbal abuse from certain residents in my housing unit. Specifically, two residents named XXXX XXXX and XXXX XXXX have been unlawfully tampering with mail, stealing personal belongings, and subjecting me to constant verbal abuse. These repeated incidents have created an unsafe and unsettling atmosphere within the housing facility. 

As a dedicated XXXX, it is essential for me to have a peaceful and clean living environment where I can focus on my studies without constant disturbances or fear. The mistreatment, theft, and verbal abuse I have experienced have not only disrupted my daily routine but have also affected my mental well-being, hindering my academic performance. 

I kindly request your prompt intervention in addressing this matter and facilitating a transfer to an alternate housing facility where I can feel safe, secure, and able to concentrate on my studies. I believe that as a responsible authority committed to upholding justice and ensuring the well-being of individuals under your supervision, you will take necessary action to rectify this unfortunate 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 explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I never signed a contract with Westlake Portfolio Management they are reporting to my credit report for an auto loan debt. They are NOT my Lienholder and also repossessed my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX a notice from a leasing consultant at XXXX XXXX XXXX XXXX a potential apartment location. It stated that they could not access my Equifax credit file due to a block through XXXX XXXXXXXX XXXX 
XXXX XXXX to create an Equifax account on the website was given the error code NH and was instructed to call the customer care number. After speaking to a representative, she told me to mail in documents to verify my identity ( i.e. driver 's license and SSN card ) because she was unable to find my credit file based on the information given. The possible issue could be a merged file or a thin credit file, in which I had no credit history for that bureau. However, I have had 2 credit cards and student loans for the past two years. She said it would take 5 business days for them to process the information/ request. One representative instructed me to call my credit card lender to send an off-cycle report to all 3 bureaus to find discrepancies in my credit file. 
XXXXXXXX XXXX-Mailed my documents with USPS Priority Mail Express . 
XXXX XXXX-Documents have been delivered to the mailing facility waiting for pick-up. 
XXXX XXXX-Documents were picked up. 
XXXX XXXXattempted to call Equifax again and was told the information was either not received or not processed. ( Called a few days earlier and an Equifax representative stated that if my file is not real then they could generate one based on my information. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: CT

Complaint narrative:
These following credit inquiries are unauthorized XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief