vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My loan refund was electronically deposited into my ex husbands bank account. Despite the fact the check was to be sent physically to my current, on file address. 

Nelnet keeps directing me to XXXX And refuses to direct me to fraud department Customer service is XXXX XXXX! 
She said she can only give information on active loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: MO

Complaint narrative:
Never enrolled as a student. Not day in Wisconsin or Missouri ever never in Tennessee either. Many states of USA same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IL

Complaint narrative:
XXXX continues to report this alleged bankruptcy. I contacted the clerk of court and requested validation of this alleged bankruptcy and they stated they do not release court records to anyone other than the parties to the case or legal counsel. 

I have requested validation of this alleged bankruptcy and XXXX has provided me with no records of this alleged bankruptcy nor has LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
Last XXXX I realized I never got my third stimulus check. I called the IRS, after a failed attempt of my own to track it down so they could start a trace. I was using OPT+ as my bank card. They have since closed their US market with no forwarding contact information. I called the bank they used as their middleman, Axiom, I was given a phone number, its no longer in service. I then called OptPlus XXXX offices and was given an e-mail address ; I was told that's the only way you can contact them ; I emailed them on XX/XX/XXXX and have not heard back. They are not answering the IRS inquiries either. 

I don't have my old card number but I do have the routing number and my account number that I was given by the IRS. 

Routing Number XXXX Acct. - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a current JP Morgan Chase with multiple accounts, and have been for over 30 years. Recently, my father opened new accounts and his local Chase branch. He requested that I also be given access to the accounts. He was told this would require me to physically visit my own branch to finalize the access. 

On XX/XX/2023 I visited my local branch and attempted to have the account access set up. In the course of the process, the bank employee began to ask me non-relevant questions to my service visit. This include information that I consider private and do not share with third parties unless it is related to the service. The demanded information included employment status, employer name and details, salary range, and numerous other items. These had no relationship to the requested service of accessing an existing account and was merely an attempt to gather data clearly for future sales and marketing purposes. 

When I informed the bank employee I wasn't willing to share information that isn't legally required, I was told that he could not proceed and therefore would not give me access to the account. 

It appears that JP Morgan Chase has adopted a policy that forces employees to gather, and its existing customers to share, confidential information it has earned no right to. They use the current customer status as a mechanism to force the customer to share that data without any recourse, despite the information neither being legally required nor necessary to provide the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
PennyMac received my loan in XXXX from XXXXXXXX XXXX PennyMac paid my XXXX insurance premium and was notified of the XXXX premiums for insurance that were due. PennyMac did not pay my XXXX home insurance premium. XXXX ( home insurance ) therefore terminated my homeowners insurance. Neither XXXX nor PennyMac notified me of the loss of coverage on any platform. My escrow account has enough to pay for any premiums, and I have never been late on a single mortgage payment. 

My house was burglarized on XX/XX/XXXX and I was unable to file an insurance claim due to a lapse in coverage. 

When speaking to a PennyMac representative, backup insurance was offered, but it only covered home damage, not lost or stolen items. I was also told by the representative that I should have contacted XXXX to inform them that I had switched from XXXXXXXX XXXX to PennyMac when I received the welcome letter from PennyMac. This was told to me by the representative before I discovered that PennyMac was already aware of which insurance company to pay, having paid the XXXX premium. 

XXXX and PennyMac should have notified me of my termination of coverage. PennyMac should have paid the premium.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Inquires are on my reports I didnt authorize

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It all started with a change in my credit report about a charge on a XXXX Bank credit card associated with an address that is not mine, after that we contacted Experian and began the procedures with the fraud report, we also contacted XXXX Bank and they removed that account from my history to protect my identity and sent me a letter with all the information. XXXX informed me that I should file a police report at : XXXX, and that is what I am doing.

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 2023-09-15 00:00:00
Product: Credit 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: Winklevoss Exchange LLC
State: CA

Complaint narrative:
XX/XX/XXXX  To : GEMINI Card Holder Service Account Ending : XXXX Purchase made XX/XX/XXXX at XXXX XXXX  Disputed to Gemini on XX/XX/XXXX at XXXX XXXX  Hello, After I submitted my complaint on XX/XX/XXXX, I sent an email to the XXXX XXXX XXXX, requesting proof of no access to the system since XX/XX/XXXX to current day ( XX/XX/XXXX ,XXXX  ). ( attached email ). 

After I sent the email asking for proof of no access, I received a notification of new access to the system, they gave me access on XX/XX/XXXX  ( attached proof ). 

Then I sent another email to the merchant requesting the money back for contract violation, I did not have access from XX/XX/XXXX to XX/XX/XXXX  this is 72 days with no access, If we count the days from XX/XX/XXXX  to XX/XX/, it is 53 days with no access, right? 

If they received the funds on XX/XX/XXXX  the merchant needed to give me access immediately instead of told me to pay again if I needed access to the system on XX/XX/. 

Again, here there are the proofs per your request. Please advise, that I never completed the course, and I never was able to complete any requirement. 

XXXX XXXX  will never send me the proof of no access from XX/XX/XXXX to XX/XX/XXXX, but sending me new access to the system on XX/XX/XXXX  this is enough proof. 

Sirs, I am sending you all the proofs to you. Please refund the full amount of {$8600.00} and all interest charges since XX/XX/. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
THIS IS FOR FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DO NOT AND WILL NOT AGREE WITH THE DECISION THAT WAS MADE ON MY LIFE BASED UPON MY CREDIT REPORT WHICH IS REPORTING FRAUDULENT ACCOUNTS. TRANS UNION YOU STILL ARE VIOLATING MY CONSUMER RIGHTS AND HAVE BEEN VIOLATING MY RIGHTS FOR QUITE SOME TIME. YOU ARE NOW SAYING THAT YOU REFUSE TO REMOVE ANY FRAUDULENT ACCOUNTS KNOWING THAT YOU CONTINUOUSLY BREAK THE LAW. AFTER ALL THE PROPER DOCUMENTATION THAT WAS SENT TO YOU. YOU ARE ALSO SAYING THAT IT IS OK FOR YOU TO BREAK THE LAW. AFTER YOU " RESEARCHED '' THE INFORMATION OF ACCOUNTS, DID YOU RESEARCH THE LAWS THAT WERE SENT TO YOU THAT YOU HAVE VIOLATED? YOU ARE NOW SAYING TO ME, THE CREDITOR AND THE CONSUMER, THAT YOU TRANSUNION IS KNOWINGLY BREAKING THE LAW AND JEOPARDIZING THE INTEGRITY OF THIS COMPANY? LET ME REMIND YOU AGAIN TRANSUNION OF WHAT LAWS THAT YOU HAVE VIOLATED. ALSO YOU HAVE VIOLATED A CEASE AND DESIST AND YOU IGNORED MY FTC REPORT WHICH IS A FACTUAL AND CRUCIAL PIECE OF EVIDENCE IN THIS MATTER PERTAINING TO THESE FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE. VIOLATIONS THAT TRANS UNION HAS COMMITTED AND CONTINUOUSLY COMMIT : 1. THE TRUTH AND LENDING ACT-15 US CODE 1681 a 2. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. 3. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 4.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 5. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 6. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 7. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 8. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( what purpose do you have? ), 11.10. 42 USC 408 ( ILLEGAL ( FRAUD ) TO ASK FOR SOCIAL SECURITY NUMBER ) YOU ARE NOW SUBJECT TO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. AS I HAVE NOW GAVE YOU LAWS THAT ARE REAL LEGAL LAWS WHICH YOU HAVE INCRIMINATED YOURSELF AS COMPANY, TO CONTINUOUSLY COMMIT, WHAT WILL BE DONE ON YOUR BEHALF TO REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( ALL FRAUDULENT ACCOUNTS THAT DO NOT BEAR MY WET SIGNATURE )?

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is governed by 15 USC 1681, and they violated my rights a number of times. I demand the accounts listed below be deleted because According to the 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 

Accounts : XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date Open XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card

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 2023-09-15 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: DC

Complaint narrative:
Hard Inquries need to be removed from my reports. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian and XXXX continue to report this alleged bankruptcy with no validation or verification from the court. I called the clerk of court and they stated they release no such records to any outside party to the filing or legal counsel. I keep asking for verification of this alleged bankruptcy and no such proof exist.

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 2023-09-16 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: Kriya Capital, LLC
State: CA

Complaint narrative:
I contacted each company and requested under USAC 1681c2 to stop sharing my information due to identify their. I never had an account with any of these company nor did I authorize my credit to be pull and used. I kindly ask for items to be removed due to information mismanagement I filed a report with FTC already along with credit companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I recieves a text from a USPS stating my package was delayed and to update address. After updating they said it needed a XXXX ( XXXX XXXX  ) rerouting fee. I paid the fee and was never sent a receipt and later checked my checking account and saw {$500.00} and {$750.00} charge from the company. I failed it with my bank, froze my anccount, got a new card and they still have denied the claim. I have recovered the text message and the site was taken down due to scam reportings. USPS had also put a notice on their official website of this new scam that I had not seen until I was a victim.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 : dept of education/XXXX  Account # : XXXX dept of education/XXXX  Account name : XXXX XXXX Account # 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 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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 : dept of education/XXXX  Account # : XXXX dept of education/XXXX  Account name : XXXX XXXX Account # 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 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 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am applying for a mortgage and my lender advised me there were inquires on my account that I did not apply for which are the following : Remove the 3 inquiries from my Transunion : XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX  | XX/XX/2023 Remove the 2 inquiries from my Experian : XXXX XXXX XXXX XXXX XXXX XXXX They need to be removed immediately I never applied for these and they never permissable purpose

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 2023-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
The last date I was able to make a payment to my account was around XX/XX/XXXX. I have not been able to access my account and profile since XX/XX/XXXX, or since I updated my cell phone number and email. Since XX/XX/XXXX, I have been lied to from Affirm Representatives about when I would have access to my account. On XX/XX/XXXX, I was informed by an Affirm Supervisor that I would be able to access my account by XX/XX/XXXX. I can not access my account today. The Supervisor I spoke with today said it could take an additional 3-5 business days to access my account with my updated information and to make a payment. I sent an email to the CEO of Affirm today which states the following : Dear CEO, I am very displeased with the way your Affirm Representatives have handled me gaining access back into my Affirm account. 

I changed my cell phone number around XX/XX/XXXX, and updated my Affirm account. Since, I have not been able to gain access back in to my account. To make matters worse, someone elses first name, last name, account purchase history, and email address was showing in my account with my new number. 

I have called and spoke with an Affirm Representative and/or Supervisor almost every single day regarding this matter with no avail. Most of them seem untrained and have no clue as to what is going on. I have sent the front and back copy of my drivers license and I have taken a photograph as required by your system in order to access my account. 

I am concern with intentional identity theft at this point in the process. 

Please assist with this matter, and advise on how to move forward as soon as possible. 

Sincerely, XXXX XXXX XXXX If I am unable to make payments to my account due to their database system issue, then I should not be held liable in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.

Complaint narrative:
I buy a product through this link XXXX XXXX XXXX the seller get money and don't send me anything. 
He is a fraud. 
I paid XXXX at XXXX  year XXXX XXXX XXXX  year XX/XX/XXXX this company said can't get back money please help me

Company response to consumer: Closed with explanation