vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 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: EQUIFAX, 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. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX 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, 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 explanation
Consumer complaint received 2023-10-28 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: FL

Complaint narrative:
inaccurate information was reported to XXXX, Transunion and XXXX, XXXX XXXX XXXX reported late payment, wrong information was reported

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the account as irrelevant and once I get their notification, everything seems unchanged. Some I don't recognize on my credit report I reported it as theft of identity, but the record stays on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal XXXX XXXX Credit card I called them yesterday and let them know that I was going thru a financial hardship. My father just passed and all of my money is going to my mother at this point because she needs her sons help. I asked them what they can do for me the represenatives states they couldnt do anything for me at all. Its past the months to state you need help. I asked could they take away the late payments they told me they cant. I asked can they help me lower the payments they told me no. They insisted on using my secured money that was sat aside to get rid of the balance I told them no because I already gave them a Security collateral that is a application and asked them to use that to pay the interest and equity to the principal balance they told me I didnt have equity or interest in this business. It clearly states on there website they every person that holds an account has equity so they lied to me and was ignorant to me then hung up on me they did this multiple times. I have no help at the moment XXXX a single dad raising XXXX children they wont do nothing to help me out and I see that this very wrong to do to a consumer. They are not acting in good faith at all and they are using money that is not theres. They told me banks loan money and I know this for a fact that that no bank loans money at all. They loan a security interest and bonds so I need help with this they threatened to close my account if I did not make the payment in which I could not make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Information was reporting incorrectly causing high interest rate on my house loan. When I showed proof of material paid off and sent it they said they would take care of it and never did. I sent Information 3 times XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. No response either time I also simply can not refinance now because the interest rates now are higher than when I first purchased my home. 

Also, the material that was paid off had been paid off for over 2 years ... ..why would they still be reporting a negative balance on a 2 year paid off account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: WI

Complaint narrative:
I loved Earnest at first when I refinanced and consolidated my private student loans. The rate was good and experience fine. 

The bad parts come after my in-school ( for grad school ) deferment. My deferment extension was denied ( due to being in a business PhD and not law or medical school ). This should tell you XXXX things : XXXX ) the company has very poor risk management ( they are not able to deal with risk on a more granular level than if you will be a doctor or lawyer - making no use of publicly-available job and salary data ) and XXXX ) the customer service agents are inept ( a representative told me on the phone not to worry about the extension- which was then denied by a different person ). 

The above is now in the past- the company has responded ( poorly ), but they have done so. Here is where this complaint begins : When repayment began, the roughly {$260.00} minimum payment the representative quoted on the phone in XXXX ( I have a follow-up email from her, which doesn't record the amount, that was sent on XX/XX/XXXX - the call should be recorded ) when we discussed what the worst case scenario of an extension application would be ) had become nearly {$400.00} by XXXX. How could she be so wrong? How could the company miss the mark that much, by not only encouraging me not plan for much given the chance of an extension and then being off my nearly double? 

Then the worst part : I received a paper bill indicating {$0.00} due by XX/XX/XXXX. When I log into my account to see why repayment hadn't begun, I notice the {$380.00} payment required by XX/XX/XXXX. This is trickery in its clearest form and a very clear effort to both XXXX ) rack up fees and XXXX ) extend the length of the loan and interest-bearing period. I received the paper bill on XX/XX/XXXX with the due date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX : XXXX XXXX Bank : XXXX I receive inquires from these banks which credit credentials dont report to personal credit I have no a knowledge ment of this transaction XXXX asking for quick removal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MD

Complaint narrative:
XX/XX/XXXX, while at work I contacted my bank for fraudulent charges. Then contacted cash App. There were multiple transactions and declined transactions but they managed to get it through, but as soon as I seen the email I contacted cash app claimed a error and fraud and the case was closed within XXXX hours of opening it XXXX. I have asked for documentation as of the XXXX and they haven't provided it as quick as they have closed the dispute. This is a violation as the beneficial owner of the account CASH APP has a Fidicuary obligation to act in the best interest of the principal. Using charge offs under the name of the principal. I am requesting all funds held in escrow in the name of the principal be released to offset this error to discharge. If this is not XXXX XXXX than I request a full reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: EQUIFAX, INC.
State: FL

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 168XXXX. 

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 XXXXXXXX, 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 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 2023-10-28 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: FL

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-10-28 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: FL

Complaint narrative:
the information supplied by REVVI card to XXXX, XXXX and Transunion was inaccurate, A late payment was reported.

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 2023-10-28 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2023-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
" You sent XXXX XXXX via XXXX network To : XXXX " However it's been over XXXX hours and on https : XXXX or any other blockchain for this address " XXXX " it does not show that any amount of this such has been deposited to this address on XX/XX/2023. My account was also frozen/ blocked and I am unable to login to my account to view the pending transaction " If it even is pending, I am not sure at this point since they blocked my account ". I have also tried to re-verify with my passport and driver ID of XXXX / XXXX to unblock my account and they are denying me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, at the XXXX ATM on XXXX XXXX ( at XXXX XXXX ) in XXXX, I tried to access my checking account two times with no result. The first try was for {$200.00}. The second try was for {$300.00}. I tried a third time successfully and received {$300.00}. At the time I did not expect any deductions for the first and second try as I had not accessed any cash. I didn't know there was a problem until I checked my account days later. On XX/XX/XXXX, I called customer service. They said they would reverse the withdrawal and they did. On XX/XX/XXXX, I noticed the {$200.00} and {$300.00} were showing as withdrawals. I called customer service again but got no explanation other than, " That's what the record shows. '' On XX/XX/XXXX, I went to the bank in person and told the teller that I money I never got out was taken from my account. He said, " That machine has been giving us issues lately, '' and directed me to the branch manager " XXXX '' ( XXXX XXXX XXXX ). XXXX XXXX called customer service and repeated the same " that's what the record shows ''. I asked him to check the camera footage. He totally dismissed me. On XX/XX/XXXX, I gave XXXX XXXX with the XXXX Police Department the information. He left me a voice message saying he contacted XXXX XXXX, a XXXX XXXX, who said he would call me. I never heard from him. On XX/XX/XXXX, I went back to XXXX and asked for XXXX XXXX, but the manager I'd spoken with before, XXXX XXXX, denied knowing XXXX XXXX. The same day I went to the XXXX Police to ask for a copy of the incident report which took about XXXX days to obtain. It is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Chime Financial Inc
State: OK

Complaint narrative:
it has chime stride on it now its hard to get off collection!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MT

Complaint narrative:
I have tried submitting a repayment plan multiple times. It takes took XXXX weeks for the plan to be approved and then it wasn't even applied to my account. I also have my account on auto-debit, but no payments have been taken out of my account. I am trying to pay down my student loans, but nothing about this company is working. I am getting frustrated. 

I have tried submitting multiple emails ( early XX/XX/2023 ) with Nelnet to explain my issues, but haven't heard anything and it's now the end of XX/XX/2023. 

I am concerned that I am going to either be charged the incorrect amount or there will be late fees applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
inaccurate information was reported to Equifax, XXXX and XXXX, XXXX XXXX XXXX reported late payment, wrong information was reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
inaccurate information was reported to XXXX, XXXX and Experian, XXXX XXXX XXXX reported late payment, wrong information was reported

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 2023-10-28 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: GA

Complaint narrative:
I am a victim of identity theft. I already contacted the credit bureaus on XX/XX/2023 and again on XX/XX/2023 through certified mail. However, they sent me an updated credit report stating the accounts have been verified. I need to have these accounts removed they are not mine. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed. 

XXXX : XXXXXXXX XXXX XXXX : XXXX XXXX : XXXX I also submitted my identity theft report from the Federal Trade Commission, and my husband 's police report to the company, and they are still reporting inaccurate information.

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
the information supplied by XXXX  card to Equifax, XXXX and XXXX was inaccurate, A late payment was reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
the information supplied by XXXX card to XXXX, Experian and XXXX was inaccurate, A late payment was reported.

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 2023-10-28 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. The information listed in the attached documents, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I have reach out to Equifax and have sent them a letter pertaining to my issue, however no changes have been made to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
It happened XX/XX/23 reporting wrong information and hung up in my face when I called. I want XXXX for false information reporting.

Company response to consumer: Closed with explanation