vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Without fail, I have ensured that payments on this account are made promptly, avoiding any instances of being overdue. The reasons behind the presence of late payment remarks on my accounts are unclear to me. As stipulated by 15 USC 1666b - Billing Error, corrections must be made.

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 2024-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I am unable to log in to my nelnet account. I have not been provided any reasonable means to reset my password or otherwise gain access. I have contacted a customer service representative and they refused to provide me the ability to gain login access to my own account. I can not receive my tax information from them. I can not change payment terms. I can not access or update my information. I have been given no ability to access my own account. They justify this by saying they don't have an updated email from me, but we have been in email communications so they clearly do. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: AZ

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 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 2024-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TAG Intermediate Holding Company, LLC
State: CA

Complaint narrative:
I noticed that my car needed an oil change, thus, I went in for these services on XX/XX/XXXX. I took the opportunity to tell the dealer that my car was also making a weird noise and was pulling itself when I attempted to drive it, and commented that the water valve was not working. The dealer requested that I take it to their mechanic of choice, thus, I consented. On XX/XX/XXXX I called for an update, however, the mechanic informed that my car was in line for a revision/diagnostic. On XX/XX/XXXX the mechanic informed me that the car 's transmission and shock absorbers were not functioning properly and suggested that this be fixed immediately. The dealer informed me that these expenses were not covered by the car 's warranty, thus, I would be responsible for the costs of {$850.00}. However, I recall that when I signed for this car on XX/XX/XXXX I was promised 3 years of covered warranty for oil changes, faulty parts, etc. 

On XX/XX/XXXX around XXXX I went to the dealer to informed them of this issue and request that the dealer take responsibility for these costs. The lady revised my warranty and stated I had no warranty despite this previously promised to me for 3 years. 
The lady refused to provide a list of the warranties that my car does have and promised to follow up. 

On XX/XX/XXXX XXXX, I received another call from the dealer stating that if I chose to return the car, I had that option, however, I would not receive my down payment or the monthly payments previously made in return. 

I have only had this car for 3-months, thus I know that it will not be reliable or safe for my family in the long run. I would like to return this car for a more reliable car, however, I think it is unfair that I have invested into a faulty car and will not be compensated for the loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: OH

Complaint narrative:
I am writing to dispute and challenge the accuracy of information on my credit report maintained by your agency. Upon reviewing my credit report, I discovered that an old address is still being reported, which is inaccurate and misleading. Additionally, I believe there have been violations of the Fair Credit Reporting Act ( FCRA ) in this regard. 

This address is outdated and no longer associated with me. As per FCRA guidelines, credit reporting agencies are required to ensure the accuracy and completeness of consumer information. However, the inclusion of this obsolete address is a clear violation of FCRA regulations. 

Moreover, the presence of this outdated address on my credit report could potentially harm my creditworthiness by leading to confusion or misunderstanding about my current financial situation. It is imperative that this information be promptly corrected to reflect my true and accurate credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received both an email and a text alert from XXXX that my credit file had been updated. When I went into my XXXX credit file, I saw that there were XXXX hard inquiries from Capital One : XXXX on XX/XX/24 and XXXX on XX/XX/24. It was suggested that I contact Capital One first, which I did, and they confirmed with me that they could not find any information about a credit card being opened with my personal information. I then received an email from Capital One saying that they could not process the application for a XXXX XXXX XXXX credit card in my name. I then proceeded with calling the dispute line at XXXX to dispute these XXXX inquiries on my credit report. When speaking to them, I was advised to also file an identity theft claim with the XXXX. I was routed from their website to your website to file the claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I do Not recognize the following credit inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX I have asked for them to be removed by the Credit bureaus and they have not done so. 

I am attaching an Identity theft report. 

I am requesting for these inquiries to be removed ASAP. 

They are 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 2024-03-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I do Not recognize the following credit inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX I have asked for them to be removed by the Credit bureaus and they have not done so. 

I am attaching an Identity theft report. 

I am requesting for these inquiries to be removed ASAP. 

They are 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 2024-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I use Zelle through XXXX Bank. In early XXXX some user sent me money because he mistyped the email address he meant to send it to. Zelle through XXXX XXXX  does not give you any option to accept or refuse the transfer- it just automatically does into your account. 

It appears that when the other user reported his mistake to his bank, they did something to get my access to Zelle completely blocked. Zelle refuses to engage with me or provide any sort of reason for preventing me from using the system despite having provided indisputable documentation to my bank that I had nothing to do with this transfer and it was a mistake on the other side. 

Zelle 's blocking my access to the system now prevents me from doing anything to return the money to reverse the mistaken transfer. The only option they have left me would be to wire the money through some XXXX party service which leaves me at risk because there is no guarantee that the other user wouldn't find some way to get the transaction reversed and if he were to pursue that - from Zelle 's point of view, they would only see the original transaction and not that I returned money. 

I am being threatened with a lawsuit if I do not return the money but at the same time my bank is telling me not to return the money through an alternate method as there are common scams that involve this. 

Zelle has unjustifiably left me in an impossible position having spent nearly XXXX hours of time on the phone with XXXX Bank trying to resolve this but Zelle refuses to discuss the issue other than say I am permanently blocked from using the system. They provide no reason and refuse to be willing to conduct any sort of inquiry as to what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have previously notified the bureaus that I am a victim if identity theft, and yet they continue to let fraudulent items be added to my credit report.

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 2024-03-28 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: NC

Complaint narrative:
I have previously notified the bureaus that I am a victim if identity theft, and yet they continue to let fraudulent items be added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Perhaps its my failure to perform due diligence, but I was XXXX  and I read the ad saying to get my direct deposit XXXX days early but once I signed up for it, I found out that it takes XXXX pay cycles to get my money which means they hold my check for XXXX to XXXX weeks. I can not live without my paycheck. I have a family to feed and theyre holding the money for what reason I dont know because I checked with my companies AP and XXXX already been distributed but theyre holding the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime Ticket # XXXX Dispute # XXXX Dispute # XXXX Dispute # XXXX Dispute # XXXX Dispute # XXXX Hello and thank you so much for helping out, I spoke with the dispute team at Chime early XXXX to report these transactions. 

I was promised that these would be resolved by XX/XX/XXXX, it is now XX/XX/XXXX with no resolution. 

Ive provided them the police report and have reached out to the dispute team and no one has been able to help out. 

Ive provided all the details to the team and I have been neglected The agent said that they contacted those merchants on XX/XX/XXXX, however, they have not heard a response yet so I dont know why they are taking so long to resolve this issue when Ive XXXX all the details. 

I need support as the investigative team is not doing their job and resolving this issue for these disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: MD

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-03-28 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: NC

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 XXXX party. They in fact did not come from a XXXX 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 2024-03-28 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: GA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-03-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR

Complaint narrative:
I found out that there was a collection from Genesis regarding XXXX apartments in XXXX through XXXX XXXX. 

I received an initial notice from Genesis on XX/XX/XXXX via email to XXXX. Reference # XXXX. It stated I had an agreement with XXXX at XXXX regarding apartment # XXXX in XXXX XXXX, Nevada. There were no attachments of the agreement, contract, or proof that I moved in. 

I responded on XX/XX/XXXX stating I received their email and to please send a copy of the contract as I did not receive it and never entered into any contract for moving into this apartment. Therefore, I dispute this debt. 

On the XX/XX/XXXX, Genesis sent me an email with a summary of move out charges with a move out date of XX/XX/XXXX and the application. The application shows that I paid {$60.00} for a tenant screening report and was only in their portal as a prospective tenant for XX/XX/XXXX and XX/XX/XXXX of XXXX. I did not receive a copy of my tenant screening report. At that time I was denied because I needed to make XXXX x rent and was working as a temp during covid. I continued to rent my house and did not downsize at that time. 

Numerous other emails and phone calls to both Genesis, XXXX, and XXXX have not resulted in any true validation nor concern for this false and very misleading data on my credit report. It is very disturbing to know that XXXX continues to use underhanded and incorrect false statements without full disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I received {$350.00} worth of gift cards that are American Express. I have tried to use them in-store ( via swipe ) and online ( via cards ) and they get declined no matter what. I have activated them and have confirmed their status as active via Amex 's online site. I have confirmed the balance is on the card electronically and I confirm that I have not used them and have kept them in my possession at all times. I have tried to use these cards multiple times. These cards are not expired. The company has not helped me resolve it. 

The merchant ( American Express ) has told me that there are " restricted merchants '' but they won't tell me where I can use the card. This is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I contacted capital one on XX/XX/2024 about an account that was paid in full as agreed but they continue to report outdated information which is damaging my credit, when the account is no longer active.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company acted without my authorization.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
It was XXXX late payments reported for XXXX and XXXX of 2023 and I don't recollect having any payments late and this is a direct violation of my rights in the Fair Credit Reporting Act XXXX XXXX XXXX

Company response to consumer: Closed with explanation