vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I noticed that i had many unauthorized charges on my account on XX/XX/XXXX for many amounts of both XXXX XXXX XXXX XXXX XXXXXXXX. When i called Customer Service, they forward me to the Fraud Dept. 

I spoke with XXXX. He said that he saw them and several other charges in the amounts of both XXXX, and {$600.00} XXXX. XXXX said he could clearly see that someone was authorizing the account to see what they could get. He also noticed a transactoin for " XXXX  '' and resturant subscriptions. None of which I made. He refunded the account and told me that he stopped the card and put in a re-issue [ of the card ] request. 

Today, XX/XX/XXXX, I have XXXX additional charges in the amounts of XXXX XXXX XXXX XXXX XXXXXXXX. I am XXXX, as the sub account was supposed to be closed and a card reissued I called customer service and spent XXXX mins on the phone with them. I am so unhappy and livid by their disservice The rep and her supervisor could not tell me that -- if the sub account was reissued and closed on XXXX -- why charges were happening the day after. WHY ARE THEY ALLOWING A DEACTIVED CARD TO CHARGE???! They did not reverse the charges, but rather, opened a Dispute. So, now i have to wait until 45 days for money back that should never have left my account to begin with. 

Noone can tell me why the account was still active. I want my money back and i want to make a government complaint agaisnt their disservice.

I called back and demanded XXXX  support, but they would not allow me to speak to someone that may be able to understand/answer my complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2024, I asked, the U.S. Department of Education to no longer sell my personal information. I, the consumer, have suffered harm and injury due to these companies selling my private consumer information. These companies make claims to protect their consumers, at the same time all of their recent XXXX annual reporting ( under risk ) mention clear violations of U.S. Code title 15, including ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( d ) Limitations on the sharing of account number information for marketing purposes. A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.

15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
I have sent the companies in the mail, documentation stating, " Per the FCRA, as a federally protected consumer, I am now opting out of any and all obligations, written, unwritten, verbal and nonverbal per 15 USC 6802. '' None of the companies have responded via mail and continue to sell my private information without my consent.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I asked, the U.S. Department of Education to no longer sell my personal information. I, the consumer, have suffered harm and injury due to these companies selling my private consumer information. These companies make claims to protect their consumers, at the same time all of their recent XXXX annual reporting ( under risk ) mention clear violations of U.S. Code title 15, including ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( d ) Limitations on the sharing of account number information for marketing purposes. A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 
15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
I have sent the companies in the mail, documentation stating, " Per the FCRA, as a federally protected consumer, I am now opting out of any and all obligations, written, unwritten, verbal and nonverbal per 15 USC 6802. '' None of the companies have responded via mail and continue to sell my private information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I am not liable for this debt with credit acceptance, I do not have a contract with credit acceptance corporation. they did not provide with the contract i requested over the phone. I paid it off with the inquire of covid 19 relief they 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 explanation
Consumer complaint received 2024-03-19 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: NJ

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries 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 explanation
Consumer complaint received 2024-03-19 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: NJ

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: GA

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX This is a written notice of dispute, which gives me the ability to dispute any information on my consumer credit report. My initial dispute was due to the inconsistency of the information provided on my credit report, which was not in compliance with FCRA guidelines and violates my consumer rights. 

As a result of the dispute, I have received a response from each consumer reporting agency. 

Experian investigations results status remains as verified after two reinvestigations.

TransUnion credit file dated XX/XX/2024, File number XXXX - deleted XXXX XXXX XXXX file dated XX/XX/2024, Confirmation # XXXX deleted XXXX & XXXX Supporting documentation : Included is a copy of TransUnion and XXXX credit report that contains the investigation results. XXXX and TransUnion still remain inaccurate, incomplete, and unverifiable after the investigation. 

DEMANDED ACTION : Remove from my credit report pursuant to FCRA 623 ( a ) ( 1 ) ( B ) and 623 ( b ) ( 1 ) ( d ) ( e ), 15 USC1681e ( b ), 15 USC 1681i ( 5 ) Account : XXXX XXXX XXXX- Account Number : XXXX Account : XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2024-03-19 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: SC

Complaint narrative:
I show a bankruptcy on my credit report XXXX XXXX XXXX XXXX XXXX with a Reference # XXXX. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2024-03-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I show a bankruptcy on my credit report XXXX XXXX XXXX XXXX  XXXX with a Reference # XXXX. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: SC

Complaint narrative:
XXXX XXXX To Whom this may concern, I am writing to Correct My personal information on file with your company.

Please update my only address and remove all other addresses as they are not recieveable to me usps I dont know who these addresses belong to remove all other addresses and update my address

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 2024-03-19 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: SC

Complaint narrative:
XXXX XXXX To Whom this may concern, I am writing to Correct My personal information on file with your company.

Please update my only address and remove all other addresses as they are not recieveable to me usps I dont know who these addresses belong to remove all other addresses and update my address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I am not a victim of this offer. I only write to CFPB because I don't want Seniors or others to fall victim to these types of Offers. Lendmark Financial Services sends checks to vulnerable people in hopes they will take the bait. The document does not describe rates, interest or what can happen if you accept their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I have hard inquires ( negatively affecting credit ) on my credit report that are fraudulent from the following two companies : " XXXX XXXX '' and " Citibank/Home Depot . '' Associated with XXXX and XXXX, respectively. 

I have filed a police report, a complaint with the FTC, and now with the CFPB. I've had success getting 1/3 credit bureaus ( XXXX ) to remove these inquires. The other two ( XXXX and XXXX ) will not. I have talked with both companies and both credit bureaus to no avail. Each one says to go through the other. The companies say that there is " no account '' despite the fact that there doesn't have to be with an " inquiry. '' With that, they " can not and will not '' reach out to the credit bureaus to remove these inquires. I find this hard to believe given they reported the inquiry in the first place. 

On the other hand, the bureaus request that the companies do this. I have provided them with the police report, FTC complaint, XXXX  letter removing the inquiry ( why can't you do the same given the law? ), letters from the companies showing inaccurate information not related to me, and even used a credit protection service via a 3-way call. 

This is insanity. Why can't these FRAUDULENT inquires be removed?

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 2024-03-19 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:
I was looking on my credit report and Ive notice unauthorized accounts, I have no knowledge of these account, i did not apply for them I have file a FTC I have sent multiple letters XX/XX/XXXX, XX/XX/XXXX and another one XX/XX/XXXX proof of social security card, proof of address, and proof of residency. Company has yet to update my credit profile which is violating my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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:
I was looking on my credit report and Ive notice unauthorized accounts, I have no knowledge of these account, i did not apply for them I have file a FTC I have sent multiple letters XX/XX/XXXX, XX/XX/XXXX and another one XX/XX/XXXX proof of social security card, proof of address, and proof of residency. Company has yet to update my credit profile which is violating my rights as a consumer

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 2024-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I signed up for the SAVE plan in fall of 2023. The federal government website clearly states The SAVE Plan has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the SAVE Plan prevents your balance from growing due to unpaid interest. My student loan servicer Nelnet continues to allow my substantial amount of student loans ( Greater than {$250000.00} ) to accrue compounding interest despite being on the SAVE plan and contacting them numerous times to remedy the issue. They are trying to claim I have to wait until 20-25 years have gone by before the interest is forgiven. This is not how the SAVE plan is supposed to work. It is clearly written that the federal government should pay the remaining interest that accrues after I make my required monthly payment. I have contacted them numerous times with no help and the total amount continues to grow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: W&A Intermediate Co., LLC
State: GA

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 explanation
Consumer complaint received 2024-03-19 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: MD

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. The following account is the one I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: NY

Complaint narrative:
my mother passed away and bank refused to continue to take our payment until i was able to get home owner ship put into my name during the time they refused our payment i did all they requested of me i reached out to them and they put use in forclosere witch i had to fight the court case the judge stayed the forcloser to allow us to speak to bank to do modification how ever the bank is not very helpful they are not responsive to me only reason we are in these problem is because they wanted us to take over full owner ship witch we did we also have all documents to show we can pay loan we are just asking the bank to not keep us in court and really help us to resolve these matter all we are going through is based on the banks advice we did and are still doing all they told use to do please help me to resolve these matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
debt was ex husbands, i shouldve been removed as authorized user.

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 2024-03-19 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: IL

Complaint narrative:
XXXX, Transunion, XXXX, XXXX score and any and all reporting agency 's none or un-known to me at the time of this complaint,15 USC 1682 In general, a financial institution, may not furnish personal information to a non-affiliate third party unless such financial institution clearly, disclosed to consumer in writing, or in Eletronic, or other form permitted by regulation prescribed form or other form permitted by regulations described by under 15 USC 6801/ 6802 and 6803 of this Title, This was done without my consent. the furnish of personal and incorrect information, without my written consent. The Consumer controls what gets reported. and any unauthorized reports are illegal. Credit Bureau do not exist.

15 USC 6801 the term consumer report does not include, the violation caused the credit. selling, and giving of my personal information. this private information was reported illegally and not protected by law.

This companies are also reporting late payments of department policy, and this is a violation of Title 15 USC 6802 and 6803.

furnishing of inaccurate by consumer reporting agency, has caused irreparable harm to credit, and wellbeing.

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