vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services
State: HI

Complaint narrative:
I leased a vehicle from Mercedes-Benz XXXX XXXX which is financed by Mercedes Benzs Financial Services arm . As a convertible, it had an annoying drip every time it rained. The dealership was less than helpful after replacing the flashing. And I decided I would never buy/lease another vehicle. As I neared the end of my lease, I decided to buy a new/use XXXX and return the XXXX. Ultimately, it worked out that I could return it early. I spoke with the local dealership and they said I could just bring it in early as long as I made all payments. When I brought it in, they said it was in immaculate condition, which it was and only XXXX miles. They also had XXXX extra weeks to sell the vehicle. About a week later, I received a bill that included a {$590.00} turn in fee and {$22.00} early termination fee. I am sure both fees are listed on the extensive paper work reviewed XXXX years ago. But a {$590.00} junk fee on a XXXX XXXXXXXX transaction, I was shocked. It was not covered verbally at lease inception nor in person or on the phone in several calls leading up to the return ( and all parties know I wouldnt be buying or leasing another XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received an email today XX/XX/23 indicating that I applied for a Chase Freedom Unlimited credit card which I didn't. My credit report was hit and now has a hard inquiry. I spoke to the credit card company and they supposedly cancelled the application and are supposed to put a request in to the credit reporting agency to restore my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Email : XXXX 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 identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX Account Open Date : XX/XX/2021 XXXX XXXX  Account Open Date : XX/XX/2021 XXXX XXXX Account Open Date : XX/XX/2021 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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Experian, Re : XXXX XXXX XXXX Account I am currently in the market to buy a new home and car and was reviewing my credit report. While I was reviewing my report, I noticed an errors on XXXX XXXX Bank Account. You are reporting information about me which is inaccurate. This account has been closed as reported. Other 2 credit Bureaus have this account as closed while on Experian it is listed as open. This account was closed in XXXX of 2023. This account has not been properly verified. Delete the following account immediately for failing to comply with FCRA : Re : XXXX XXXX Bank Account

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 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have the apple credit card from Goldman Sachs. XXXX has disabled my account from receding XXXX XXXX rewards and has also disabled being able to receive and send XXXX XXXX, When I call to ask them why they tell me its against company policy to tell my why. Im not even receiving XXXX XXXX rewards anymore, I used to at least still receive it and was able to use it to pay off the apple card, now I cant even do that!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
Their card was never received nor ever activated yet they are attempting to bill bogus charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom May Concern These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I have a very " old '' student loan that I have been paying on forever. I am co-signed on this private student loan and have made ALL of the payments. Several years ago this was sold by XXXX XXXX to Nelnet ( doing business as Firstmark Services ). At the current terms I won't have it paid off until approx. XXXX - when I will be XXXX XXXX XXXX. 

The payoff as off today is $ XXXX.I have offered to pay approx XXXX XXXX down in one cash payment now and then request that the balance remaining be " re-financed '' as a 3-4 year loan. I was told this was not an option/not possible. I simply can not pay another 12 years of additional interest.

I need help with this. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
This is regarding an issue that dates back to XXXX, which we have followed up on numerous times over the past 3 years but to my disappointment appears to still remain unresolved. My most recent Credit Report is still showing a late payment from Nissan and significantly impacting my credit score. I have provided these details previously to Nissan directly and it is very frustrating that 3 years later I am still having to follow up for this to be cleared up, hence I am forced to report this. 

Our lease with Nissan for our XXXX XXXX XXXX ended on XX/XX/XXXX and was paid up completely. However, when we tried to return the car as early as XXXX, despite significant communication with multiple Nissan dealerships to arrange an earlier return, we were told this was not possible as their lots were all full due to the COVID-19 pandemic. We had already secured a new car in XX/XX/XXXX so had no reason to keep the car longer, but were told to hold onto it until they had space, and it was not driven at all. On XX/XX/XXXX, Nissan sent someone over to complete the vehicle inspection ( report attached ), again asking us to keep the car as they still had nowhere to receive it. Once we were able to return the car in XX/XX/XXXX, we reconciled all charges, yet a late payment showed up on my credit report and is impacting my credit rating. We had paid this up completely and the car was physically with us only because they had refused accepting it due to issues on their side. This is completely unacceptable, and we need this credit issue to be reversed immediately as it is having other significant financial implications. We have tried contacting Nissan multiple times with written communications but they have not been responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX al Creditors XXXX, Experian These account have inaccurate chargeoffs on my credit profile.i would like a thorough investigation, retaining to dates, addresses and payment history. The account numbers last for provided. The creditors charged me off and charged {$230.00} and collection agencie XXXX XXXX charging the {$1200.00} .account are came creditor XXXX XXXX XXXX amount {$230.00} XXXX also have some errors on account. It doesnt provide all information needed for verification. I would like investigation aswell for this account. For charge off. 

Account # XXXX Amount {$3800.00}

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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently tried to correct a mistake with a credit bureaus, and have been been told, we updated, or its been verified. The bureaus suppose to be reporting thing correctly at all times. XXXX XXXX send a letter stating I wasnt late the last few months, and the bureaus stated it was verified correctly. Then XXXXXXXX XXXX, XXXX XXXX, XXXX, and XXXX are accounts that first were reported XXXX way then change to charge off. But if after charge off now being reported, the accounts have a balance included, or multiple months with charge off reported, Also, a new account with a student loan, I never had before and never applied too. Lastly, XXXX XXXX XXXX which was I was late XXXX months in a row, and now Im currently on time. I never been late, XXXX XXXX XXXX never sent me anything stating that.

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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized account. Additionally, I have reason to believe that these account may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized account listed on my credit report, which I believe to be a consequence of identity theft, are as follows : XXXX XXXX  XXXX XX/XX/2022 I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.

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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, 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:
Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized account. Additionally, I have reason to believe that these account may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference.

The unauthorized account listed on my credit report, which I believe to be a consequence of identity theft, are as follows : XXXX XXXX  XXXX XX/XX/2022 I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.

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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting.While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services XXXX ( D. Ariz. 2018 ), they may be liable for false reporting. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. 
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
A lot of my personal cards were stolen. There were accounts opened by someone who acted as if they were me. XX/XX/2016, a charge card was opened for the amount of {$300.00}. It was submitted to the credit bureaus as a charge off, I wasn't aware of this. 

Many other cards have been opened under my identify that I wasn't aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX : I mailed by Federal tax return check to " IRS XXXX for {$25000.00} XXXX XXXX : " XXXX '' withdrew the check of {$25000.00} from my account. JP Morgan Chase Bank let her withdraw the money although it being clear wash check. did NOT inform me and send incorrect communication XX/XX/XXXX : i got aware of the check fraud which JP Morgan Chase Bank enabled and did not prevent/support. I opened a check fraud case- and submitted a case at JP Morgan XXXX Local Police and XXXX XXXX XXXX XXXX 
XX/XX/XXXX : I put stop on all my checks- as JP Morgan is prevelant with fraud. 
Multiple times : Every time I called for an update or to fill a form, I am being told to XXXX JP Morgan Chase bank office. This requires to take time off from my work and put my work at risk ( at current time of high layoffs ). 
XX/XX/XXXX : I was told i will not get my money back till XXXX or XX/XX/2023 ( or later ) XX/XX/XXXX : I still have > {$9000.00} in my checking account. Tried to withdraw {$2000.00} from my account. JP Morgan Chase did NOT let me withdraw the money XXXX of above issue. I had to escalate and call my banker. Even for future withdrawals, I was told i will reviewed and it will not be an simple transaction. 

For someone who has defrauded of {$25000.00} and is a victim ( as confirmed by Local police and XXXX XXXX XXXX XXXX ), JP Morgan Chase bank is treating me like I frauded them.

Company response to consumer: Closed with explanation