vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
I purchased this Nissan XXXX XXXX  from XXXX  XXXX Nissan, according to the XXXX no payments are supposed to be due until XXXX the dealership confirmed this via text ; and on the XXXX. 

XXXX : XXXX Nissan hasnt sent any billing notices ; I have no way of paying this note without a billing notice, the dealership confirmed my online account was attached to someone else 's email ; and had no way of changing it. 

I would like the billing notices to be sent via mail ; with payment options ; and XXXX to abide by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date 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 explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XXXX I have conducted the payment in the amount of XXXX XXXX  from my account with XXXX to account of XXXX XXXXXXXX XXXX XXXXXXXX opened with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX XXXXXXXX was designated under the Executive Order 1384. Considering this, my payment must be blocked by intermediary bank according to XXXX sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX asking them to clarify if the payment was blocked and reported to XXXX and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MO

Complaint narrative:
8 complaints closed with 7 different completely absurd explanations that have absolutely nothing to do with the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them 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 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: FL

Complaint narrative:
The original creditor XXXX  violated FCRA by misstating the balance due. The original creditor sold by debt to collection agency named Trueaccord. On my credit report it says balance due {$120.00}. But true accord is requesting {$120.00}. I will be submitting attachments as proof. The point of action is to remove this collection debt from my credit report immediately. I have asked Trueaccord for validation letter but never received it over and over they wouldnt help. I submitted a validation letter.

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 2024-01-24 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: Collection Management Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX  $ XXXX credit Management Co XXXX XXXX $ XXXX XXXX $ XXXXThese accounts do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: OneMain Finance Corporation
State: TX

Complaint narrative:
XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX $ XXXX XXXX $ XXXXThese accounts do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Google Compare Credit Cards Inc.
State: DE

Complaint narrative:
Event date : XX/XX/ Entity : XXXX XXXX XXXX Ticket number : XXXX Account number : XXXX Our mobile app XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was suspended from sale on Google Play without giving us an opportunity to comply with the Google Play policies. Our app has been on Google Play for over three years, and we have been compliant with all requests from the Google Play App Review team.

As a long-time partner, we have always held ourselves to the highest standards and never meant to go against your policies or mislead our users. 

We are committed to comply with Google Play policies but we have never been given an opportunity to comply with the policy, instead our app been just removed from sale causing over {$500.00} 000 damage due to the cost of product development as well as lost revenue from subscribers that were generating over {$15.00} 000 monthly. 

We would greatly appreciate it if you could provide us with more information so that we can address and fix this as soon as possible. To prove our intentions we have prepared a build of the app that makes the app free for users while we fix the outstanding issues. Please let us upload it and re-instate the app after your cautious review. 

Best, 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 explanation
Consumer complaint received 2024-01-24 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I was alerted that my information was compromised in the XXXX XXXX XXXX, Delete these off of my credit report immediately as I am a victim of the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
The original creditor affirm violated FCRA by misstating the balance due. The original creditor sold by debt to collection agency named XXXX. On my credit report it says balance due {$120.00}. But XXXX XXXX is requesting {$120.00}. I will be submitting attachments as proof. The point of action is to remove this collection debt from my credit report immediately. I have asked XXXX for validation letter but never received it over and over they wouldnt help. I submitted a validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: CO

Complaint narrative:
There were a series of unauthorized reversals done on my account in a three to four day period. The reversals in some cases were payments I made over six months ago. There were a total of at least over thirty reversals done on my checking account without me knowing. This activity is considered suspicious and I don't understand how this didn't raise any alarms to my bank 's fraud department. As soon as I noticed the suspicious activity I notified my bank. They had me supmit information to the fraud department. Now my bank is holding me responsible for the funds that has been stolen out of my account wich they allowed of XXXX withdrawals with out questioning not one of them nor noticing this is malicious like behaviour. I don't understand how over XXXX XXXX follars of reversals are allowed in a three day period from payments mafe months ago were not detected by my bank. And on top of that they are holding me soley responsible for the missing funds. My bank is J.P. Morgan Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Kriya Capital, LLC
State: NC

Complaint narrative:
I was alerted that my information was compromised in the XXXX XXXX XXXX, Delete these off of my credit report immediately as I am a victim of the XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: Source Receivables Management LLC
State: NC

Complaint narrative:
I was alerted that my information was compromised in the XXXX XXXX XXXX, Delete these off of my credit report immediately as I am a victim of the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MO

Complaint narrative:
Experian notified me yet again with another LIE by tell me disputes are ready to view on line, LIE LIE LIE LIE LIE LIE LIE LIE LIE as you can see thats not true and more deceptive practices b this FRAUDULENT CROOKED COMPANY

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 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-01-24 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo Case XXXX last attempted to be addressed XX/XX/23 My checking accounts were all closed suddenly due to concerns about fraud when I fell for a scam and my account password was compromised. The scammers attempted to deposit and subsequently withdraw fake checks multiple times ( all in the same amount, remotely ). 

I understand closing the account for fraud concerns. I dont understand being prohibited from opening another checking account with them ever again. I have continued to make payments on my Line of Credit and credit card that is still active with them, which are much more difficult to use and/or pay without the ease of transferring funds instantly to and from a Wells Fargo account via the mobile app or online. I have to draw from my Line of Credit via a XXXX minute process inside a physical branch location each time in order to transfer to an outside bank. 

Im writing primarily to complain about the sudden account closures with no ability to appeal the closure and/or open a new checking account ever again.

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 2024-01-24 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: FL

Complaint narrative:
I am writing to express my concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by [ XXXX and XXXX ]. I believe my rights under these acts have been compromised in the following ways : 1. Lack of Consent : I have not provided explicit consent, whether verbal, non-verbal, written, or implied, for the sharing of my nonpublic personal information with credit reporting agencies or nonaffiliated third parties, which may constitute a violation of FCRA Section 604 ( a ) ( 2 ) and GLBA Section 6802 ( b ) ( c ).

2. Nondisclosure Option : I was not adequately informed of my right to exercise the nondisclosure option, as required by GLBA Section 6802 ( b ) ( c ).

3. Adverse Information Reporting : The reporting of adverse information that antedates the report by more than seven years, as specified in FCRA Section 1681C ( a ) ( 5 ), is potentially in violation of the law.

4. Inaccurate Information : I have reason to believe that the information being reported is inaccurate and not maintained with reasonable procedures, as required by FCRA Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e.

In light of these concerns, I am choosing to opt-out of any services that involve the sharing of my nonpublic personal information with credit reporting agencies or nonaffiliated third parties. I kindly request the CFPB 's assistance in addressing these issues and ensuring that my rights are protected under the FCRA and GLBA.

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 2024-01-24 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:
I am writing to express my concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by [ XXXX and Equifax ]. I believe my rights under these acts have been compromised in the following ways : 1. Lack of Consent : I have not provided explicit consent, whether verbal, non-verbal, written, or implied, for the sharing of my nonpublic personal information with credit reporting agencies or nonaffiliated third parties, which may constitute a violation of FCRA Section 604 ( a ) ( 2 ) and GLBA Section 6802 ( b ) ( c ).

2. Nondisclosure Option : I was not adequately informed of my right to exercise the nondisclosure option, as required by GLBA Section 6802 ( b ) ( c ).

3. Adverse Information Reporting : The reporting of adverse information that antedates the report by more than seven years, as specified in FCRA Section 1681C ( a ) ( 5 ), is potentially in violation of the law.

4. Inaccurate Information : I have reason to believe that the information being reported is inaccurate and not maintained with reasonable procedures, as required by FCRA Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e.

In light of these concerns, I am choosing to opt-out of any services that involve the sharing of my nonpublic personal information with credit reporting agencies or nonaffiliated third parties. I kindly request the CFPB 's assistance in addressing these issues and ensuring that my rights are protected under the FCRA and GLBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MO

Complaint narrative:
Experian closed 3 complaints in seconds of each other all with different absolutely ridiculous explanations

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I have used this app for years now. I used the app for credit building I had a previous loan I was paying off before I moved into a new address last summer, once that loan was paid off I initiated a new credit building loan because it helped with my credit building process. The new loan was initiated through the app in which the company operates through. 

After taking out the new loan I tried updating my address on file, the company stated I had to wait 30 days in order to update my address and in the process my account was temporarily closed. I and my significant other have joint accounts I've used with this same company for years but they stated I had to prove I had access to the accounts my significant other needed to send in a notarized form to state I could use the account, as well as a picture of both our Identification cards, along with bank statements, government documents, and a bill as proof of address. 

I completed the steps and each time I was told it was incorrect, this company found numerous issues with my documentation because it wasn't 60 days dated from my previous address after they have on file that I've tried updating my address before my account was closed due to whatever they deemed fraudulent activity in which there were none. My significant other has her payroll check as well going to the accounts and apparently it was too many transactions going to our accounts Moneylion considered fraud although we bank with XXXX and have been with them for over 10 years now. 

The only way to pay for the installment loan is through the app the company shut me out I've tried talking to different representatives as well as managers explaining that I've had a change of address I even sent over my lease agreement with my significant other on the documents to show we live together. The company has since reported nonpayment to my credit report and I've taken a tremendous drop in my credit rating and it's hurting my families livelihood. I recently had a XXXX and was going to purchase a bigger vehicle as well as look into purchasing my first family home, but this company has hurt my progression at this point and refuse to fix the issue. I've tried everything on my end I don't have any documentation dates 60 days back from an address I moved away from months ago.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc.
State: MI

Complaint narrative:
Through XXXX XXXX XXXX - their XXXX XXXX sent me a bill for service in XX/XX/XXXX. I paid that bill upon receipt. They sent me a bill in XXXX saying it was outstanding, I called to confirmed I paid and they said yes my account just wasn't updated. This happened again in XX/XX/XXXX with a similar call and then in the beginning of XXXX XXXX I called again to inquire why my account wasnt being updated and they said they would fix it. 2 weeks later I received a text from a collection group Nationwide Credit & Collection and they were taking over my account. I called the XXXX XXXX billing group again and said they would correct the issue, a week has passed and they sent me a new bill.

Company response to consumer: Closed with explanation