vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from 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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: ID

Complaint narrative:
This company keeps calling us concerning a debt that is for a person who does not live here. We keep telling them this and to stop contacting this number, but we continue getting calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a booking through capital one travel to stay at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX The booking was made at XXXX, as I was driving from Indiana to Texas and needed a place to rest for the night. I was not planning on getting to the hotel before XXXX, but figured I'll make a booking in advance. 
At no point during the reservation process - including the " policies '' that are detailed in the booking page - was I told I had to get to the hotel before XXXX  ( otherwise, for obvious reasons, I wouldn't have made the booking ). 

When I got to the hotel, I was told I was marked as a " no show '' and they can not give me my room, but I can book a new one ( and pay for it as a new reservation ). 

I was trying to get capital one to resolve it, or refund me. 
They said it is my problem that I did not call the hotel to tell them I am arriving after XXXX, and that in the email they sent me after I booked ( a non-refundable booking ) it stated I had to be there before XXXX. 
Not only did I not open the email until I got to the hotel ( why would I? The web page said my booking was confirmed ) - but even if I had opened it - I was still not going to make it before XXXX, and couldn't cancel the reservation as it is non-refundable. 

The hotel refused to accommodate me, Capital one say they won't refund me. 
I think it is wrong on their behalf to not state at the time of booking ( before I confirm & pay ) that I must be at the hotel before XXXX, or call the hotel if I don't. 

When I called capital one they said I deserve nothing. 

This seems like bad faith behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11 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: Nelnet, Inc.
State: WI

Complaint narrative:
I sent out two letters to the department XXXX XXXXnelnet and credit bureaus to provide verification that its my debt with my signature on XX/XX/2023 and XX/XX/2023 the company never sent the verification and credit bureaus did not respond either with proof. they put this on my credit without notifying me before hand and altered my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
Direct deposits are missing from my account, the bank he no answer why it never credited me. Also a merchant credited my account and also withdrew that same credit the bank performed a reversal never gave me a temporary credit and even after it was approved didnt credit my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC.
State: WA

Complaint narrative:
My XXXX card was lost/stolen. Someone found it and started to withdraw money from my XXXX account. My complaint is that the bank did not take appropriate measures to secure the bank account. The card was used over and over again to withdraw money. My family and I are never sick so I did not actively monitor the activity on the card. I was unaware that cash could even be withdrawn from an XXXX account. I have been reimbursed according to Optum Bank policies and FDIC federal laws. I understand my rights however, the bank should be liable for taking measures to protect money I have placed in their bank in good faith- I feel reasonable measures were not in place. 
1 ) How did the unauthorized user get a pin to withdraw cash from a teller machine?

2 ) There were 182 unauthorized transactions, why didn't the bank have appropriate safeguards in place to protect funds set aside for the specific purpose of healthcare and notify me that there were anomalies in my account like other banks do? 

The FBI is reporting, " causes tens of billions of dollars in losses each year. It can raise health insurance premiums, expose you to unnecessary medical procedures, and increase taxes '', a simple pin or notification that a cash withdrawal took place would have prevented this. 

I was approximately 25 days past the 60 day requirement to notify the bank of unauthorized activity. I have lost over {$17000.00} in XXXX funds and was reimbursed for about {$20000.00}. Optum Bank should put into place basic security for XXXX account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This company has been reporting inaccurate names, phone numbers and address on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS ACCOUNT IS REPORTING INACCURATELY. THEY MISSED 2 MONTHS OF REPORTING. THEY OBVIOUSLY DID NOT HAVE THE RIGHT INFORMATION, SO THEY PUT NOTHING AT ALL. I AM ALSO NOT 120 DAYS LATE IN XX/XX/2021. THIS REQUIRES IMMEDIATE CORRECTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Army and Air Force Exchange Service
State: OK

Complaint narrative:
I received a credit card from Military Star, I did not apply for!

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 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XXXX My mailed payment was received at american XXXXpress> Butr, once again my payment for XXXX was credited for XXXX instead of XXXX. Now, american express want me to make another payment for XXXX, which I already paid, I make my payments, as a XXXX  person, on the first of every month. I can not continue to make XXXX payments every month, instead of the normal XXXX payment a month. Nothing I do, seems to work with american express, The last time I contacted you about this problem, you were unable to do anything about this problem. If Iam wasting my time submitting this report, because you can not do anything about this recurring problem, please inform me and I will stop submitting a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: MA

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing is deliberately posting payments late, so they can illegally charge late fees. Today is XX/XX/2023 and my payment has not been posted. I have never been late on my payments, however, Select Portfolio Servicing continually violate my civil rights by unnecessary harassment and lies, among other violations of my civil rights. I have a paper trail of deceitful, fraudulent, fake documents, that were copied and paste from Select Portfolio Servicing. And I also have my own paper trail, that will prove their deceitful practices. I also receive my annual statements late and the law states that mortgage should arrive in a timely manner. Prior to SPS, I had never had any problems receiving my mortgage statements or payment being posted. Receiving my annual statements on time, and mortgage statements on time, is the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This company has been reporting inaccurate names, phone numbers and addresses on 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 2023-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: OH

Complaint narrative:
I sent numerous written correspondence and submitted a receipt of payment. XXXX has violated my rights under the terms and conditions they granted me at the time of the account opening. The credit reporting agencies violated my right 's as well. According to 15 USC 6505 - 8 Not only was my right to opt out violated, but my right according to 15 USC 6802-5 with respect to obligation with respect to disclosures of personal information was violet also. According to The Family and Education Privacy Act of 1974 all of rights have been trampled. I sent a letter to which I did not receive any type of response as to the status of my account and why my account does not show accurate account information. They are also in direct violation of The Education and privacy act which said the school would not provide transaction history to any third party companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I purchased a car from Hyundai on XX/XX/XXXX. I paid monthly for it until XX/XX/XXXX when I paid a final payment of {$9100.00} paying off the vehicle in-full ( form attached for proof of payment and receipt of payment by HMF ). At that time, I went on their website ( per their policy ) and requested the title be sent to me. It has yet to be received. 1. Their website says it will take 5 days to process this. It is been over 50. 2. I have called multiple times ( see below ) I have since traded-in the vehicle and purchased a new one, but cant move forward because HMF will not release the title, or call me back. Its been paid in full for over 7 weeks. This is an unacceptable delay. I want the title overnighted to me immediately and I also need a notarized Lien Release form for the DMV. ( HMF is still listing the lien on the DMV website ). This is NOT ethical and not good business practices. 

1st call : XXXX/XXXX/XXXX request title be sent to me, referred to website 2nd call : XX/XX/XXXX no title yet " Its approved and in the works, give it 2 more weeks to get to you 3rd call : XX/XX/XXXX XXXX minute phone call at XXXX, again said there was no problem and it was in the works because of the holiday it got delayed '' 4th call : XX/XX/XXXX @ XXXX 28 minute phone call where I spoke with a supervisor, they said the form was denied and they will not accept another request. Stated she " messaged '' them but they didnt answer, she will escalate it to another supervisor and I would hear back that day. ( No return call ). She stated it shouldnt take this long and should have been released, but its been denied for some reason. 
5th call XX/XX/XXXX XXXX No answer, they are closed on weekends, call back during normal business hours. 
6th call XX/XX/XXXX XXXX call total 31 minutes. 26 of which was on-hold. Said nothing to update, she will send an email, requested to speak to a supervisor. Placed on hold and the call disconnected after about 10 more minutes 7th call XX/XX/XXXX XXXX on hold 14 min, XXXX said he had to transfer me to Titles. On hold until 28 minute mark, XXXX picked up, theres no update, she will check with the Back Office Team. She returned to ask if this was related to a name change. My name change was XX/XX/XXXX, so no. Placed back on hold for 1 hour 2 minutes total and call disconnected. 

XX/XX/XXXX Filed complaint with XXXX XX/XX/XXXX Filed complaint with CFPB and email sent to XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: NJ

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-11 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2023-12-11 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: MA

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-11 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: MA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX5 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation