vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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: Nelnet, Inc.
State: CA

Complaint narrative:
First and foremost per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given DEPT OF EDUCATION/NELNET written , unwritten, verbal & non verbal per 15 USC 6802, 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

When I signed up for my student loans I also signed a Educational Rights and Privacy Act form that says the school will NOT provide transaction history to ANY third party companies.

BUT in fact my personal information is being shared to third parties WITHOUT my consent.

The Family Educational Rights and Privacy Act 1974 ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

Generally, schools must have written permission from the parent or eligible student in order to release any information from a XXXX XXXX XXXX XXXX XXXX XXXXERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.

AS YOU CAN SEE HERE YOU DO NOT SEE WHERE A CONSUMER REPORTING AGENCY LISTED to allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/XXXX I notice there was a charge of {$920.00} on XX/XX/XXXX says then another charge of {$1300.00} on XXXX XXXX {$820.00} on XX/XX/XXXX also says Card payment from Secure Account on a Virtual Card ending in XXXX. I found out that Chime reopen a virtual card in my name ending XXXX card. and Taking money from my direct deposit for the month and add the total to this Virtual Card. this card was closed XX/XX/XXXX. Chime re-open this Virtual Card without my permission. Once you receive your physical card the virtual card is no longer active. I received my new card XX/XX/XXXX. I have been in touch with Chime and the refuse to help me. They can't answer my question. As of today, I don't know if the card has discontinued. They hang up the phone on my face and will not report this issue. Now what card are they going to use now?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case! 

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 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 XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case! 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 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 XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year> I requested a second review of the charge of {$790.00} from XXXX. Navy Federal denied the dispute stating " You were charged for the amount you owed after receiving merchandise or a service '' That is not true because I paid on XX/XX/XXXX and my stay/arrival to the rental property was XX/XX/XXXX. I paid before receiving the service. I paid for a balcony room but when I arrived I had no balcony access. The doors were boarded from the outside preventing balcony access. The business claimed they didn't know the balcony was closed. I provided proof they had notice before my arrival because a notice was posted in the elevator. An internet search of the company shows the countless XXXX complaints against this company for bait and switch scams. I provided Navy Federal with proof of documentation showing I filed complaints against XXXX with the FTC ( Federal Trade Commission ) ; XXXX  ( XXXX XXXX XXXX  ), Florida Attorney General 's Office, Department of Agriculture and Consumer Services. Yet, Navy Federal still denied the second review which indicates they allow companies to prey on banking customers with bait and switch scams.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g

DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in you
r state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXXXXXX fraudulent account XXXX XXXXXXXX XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTCXXXX XXXX CFPB XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I began attending XXXX XXXX XXXX XXXX XXXX XXXX for the fall semester of XXXX. I was seeking a XXXX XXXX in advertising. I applied for FAFSA and was fully enrolled. I began attending classes, and I recall being called to the schools financial aid office to sign additional documents. I believed I was obtaining federal student aid loans, and was unaware that the XXXXXXXX XXXX ( loan ID # XXXX ) was a private loan through the state of MN. The school used false advertising practices, aggressive and pushy sales tactics and deceptive behavior to ensure my enrollment and payment through these loans. My original loan was for {$15000.00}, dispersed in three separate {$5000.00} increments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That spring of XXXX, this school location announced they would be closing and students could either move to another state or attend online if they wished to complete their degree. I intimately chose not to re-enroll until their closure as I had began hearing of credits not transferring or being recognized by other schools/institutions. 

As of today, more than {$6.00} billion worth of loans are set to be forgiven for anyone who went to an XXXX XXXX school between XXXX and XX/XX/XXXX. The Biden administration said the chain of schools lured students with pervasive lies, falsified data and knowingly misinformed students. Unfortunately, this forgiveness currently only applies to federal student loans, despite the fact that the same lies, false data and misinformation was used to aggressively push me into obtaining these loans by XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Attempted to close my HELOC and provided incorrect information on numerous occasions, even after payoff amount was wire transferred to the company. Talked to 5 different individuals in their Home Equity Escalation Depr alone. I have no confidence that any information from this company is accurate ir will be acted on responsibly. This issue was a result of a Hack and I am concerned that the HELOC account may be available for fraud if it is not promptly closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently ensure that my payments are made on time. I'm confident about this. What I'm uncertain about is why this company is reporting me as late for certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased {$50.00} Google XXXX gift card from XXXX. 
On XX/XX/XXXX, I tried to redeem the Google XXXX gift card on Google XXXX but keep getting Couldn't redeem this code. This code can only be used in United States. See Gift Card terms of service. 
On XX/XX/XXXX. Try to contact Google support but couldn't help. 

XXXX  Order # : XXXX Google XXXX  Redeem Code : XXXX XXXX XXXX XXXX Google XXXX  Serial number : 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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Since XX/XX/XXXX, Navy Federal has charged me XXXX overdraft fees ( that's XXXX per month ) totaling over XXXX USD. I have tried tirelessly to request them to lower my interest rate on my checking line of credit ( they don't ) so that I can catch up on payments. 

Navy Federal once again does not take into account people going through issues with their income, and will continue to punish consumers by way of fees. XXXX per fee at XXXX a month is absolutely ridiculous. If they didn't charge for every fee ( a cap? ) or reduced my interest rate on my checking line of credit to get a little breathing room, we wouldnt have this problem. 

Again, it appears that they have gotten too big for themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute letter to Equifax Information Services LLC regarding multiple inaccurate late payments reported on my credit report. The specific accounts and reported late payments are as follows XXXX XXXX XXXX ( Account Number ending in XXXX ) : Reported Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number ending in XXXX ) : Reported Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These reported late payments are inaccurate and unverifiable. I did not provide consent nor verify the accuracy of these late payments to be reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), consumer reporting agencies are required to delete or correct information found to be inaccurate, incomplete, or unverifiable. Despite my request for immediate deletion, Equifax has failed to address and correct these inaccuracies, causing financial harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My cell phone signal was faulty, I received a text message from XXXX XXXX to download a XXXX XXXX. I clicked the link and it took me to my account profile where is downloaded the new esim. This apparently gave the hacker access to everything, including my wife 's information. The hackers locked me out of my phone, disrupted my cell service so I could not authenticate myself for the credit and banking entities. They subsequently opened a PayPal credit card, and charged {$10000.00}. Accessed my credit card and charged {$2500.00}. Accessed my wife 's credit card and charged {$20000.00}. Locked both of us out of our emails and every account we had.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: VA

Complaint narrative:
This account was charged off on the following date ( XX/XX/2020 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
While checking my credit profile I saw I had some inquiries that didn't belong to me.

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