vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-07 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: TX

Complaint narrative:
I have never applied for any vehicles since 2012. Its someone that showed me recently all the inquiries that i have on my credits reports and i was shocked because i dont recognized any of this. please help me remove them because i never applied for any vehicle and dont have current vehicle linked on my credit. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have never applied for any vehicles since 2012. Its someone that showed me recently all the inquiries that i have on my credits reports and i was shocked because i dont recognized any of this. please help me remove them because i never applied for any vehicle and dont have current vehicle linked on my credit. 

Thank you

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 2024-02-07 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: GA

Complaint narrative:
I RECENTLY REQUEST INFORMATION FROM XXXX AND EXPERIAN FOR REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT AND BY THE FCRA, 15 USC 1681i ( 6 ) ( b ) ( 3 ). I HAVE COPIES OF EACH ACCOUNTS THAT I HAVE ATTACHED BELOW

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 2024-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I received a letter dated XX/XX/XXXX that my loans were discharged through borrower defense. However, theses loans were consolidated with XXXX back in XXXX. In the letter it states that my current servicer of consolidation will reduce my balance. I have submitted a separate complaint to XXXX about this as well. They state they have not received the amount discharged outlined in this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: NY

Complaint narrative:
My daughters loans were taken out through Parent Plus loans which according to the TPD so Mohela sent a notification that all her loans were sent to XXXX who did the Total Permanent Discharge of all of her loans dated XX/XX/scrub>XXXX  I have the letter from XXXX that all of her loans were TPD status I am disable and have been for awhile. 

And they keep sending me correspondence as if they are not aware of the status. I have terrible aXXXX due to this I have been put on XXXX XXXX  due to the constant negligence of Mohela. They are aware that all loans were TPD status. If you log on to studentaide.gov the balance shows {$0.00}. on all loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I earned XXXX gift cards from my work ( {$200.00} and {$400.00} ) which I wanted to use for purchases on XXXX. I have tried everything to get these cards accepted but to no avail. I made several calls to Amex who told me that they are " temporarily unavailable '' for use on XXXX due to " technical upgrades ''. Unfortunately, Amex gift cards still can not be used on XXXX. This was in XXXX, and it is still not resolved. I also tried using the cards on XXXX, XXXX, XXXX, XXXX and XXXX with the same results. 

How can Amex offer these " gift '' cards that do not work anywhere? I feel like I am being robbed of XXXX I earned. Can you help resolve this issue? I am sure I am not the only one who is having this problem.

Thank you for you time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NY

Complaint narrative:
Loan was paid off on XX/XX/XXXX. I did receive a paper lien release, however, the electronic lien in Texas was never removed and I have been unable to register the car or sell it as there is no clear title. I have called Hyundai Motor Finance numerous times, most recently on XX/XX/XXXX. Each time I am promised that the lien will be electronically released, and a new title issued. I spoke with the Texas XXXX on XX/XX/XXXX and the electronic lien is still in place. There is an open work request at Hyundai # XXXX. The car loan was under XXXX XXXX XXXX. I am currently XXXX overseas with the XXXX XXXX and would appreciate contacting my mother, XXXX XXXX at XXXX XXXX as it will be very difficult to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Mohela has changed rules, sent various statements, changed the amount of those statements and did not apply a huge payment toward my account for the upcoming/current charges owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am being taken advantage of as a consumer by ChexSystems. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX NOTICE : Pursuant to the laws set forth below, you : XXXX, TRANSUNION, and XXXX are in violation of multiple laws set forth by Congress in regard to MY consumer report. YOU : XXXX, TRANSUNION, and XXXX have willfully violated my Constitutional Rights and are subject to penalty fines and/or jail time. 


Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES. ( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
Pursuant to the laws set forth ; I DID NOT GIVE YOU : XXXX, XXXX, AND TRANSUNION, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. 

I look forward to resolving these violations and hearing from you soon. 
Thank you. 

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX NOTICE : Pursuant to the laws set forth below, you : EXPERIAN, XXXX, and XXXX are in violation of multiple laws set forth by Congress in regard to MY consumer report. YOU : EXPERIAN, XXXX, and XXXX have willfully violated my Constitutional Rights and are subject to penalty fines and/or jail time. 


Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES. ( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
Pursuant to the laws set forth ; I DID NOT GIVE YOU : EXPERIAN, XXXX, AND XXXX, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. 

I look forward to resolving these violations and hearing from you soon. 
Thank you. 

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 2024-02-08 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a a lot of credit hard inquiries from chase and its within short period of times. Looking to remove all off chase hard inquiries on my report. They have not and will not accept me. Its effecting my credit score significantly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
There was a contract put in place with a solar company under my name. I never met with this company nor did I sign a contract with them. I do not reside on this address. I am not a home owner to this property. I tried contacting the solar company to find out that they went out of Bussiness in 2023. This solar company was " XXXX XXXX XXXX '' I have emails to them explaining that there was fraud in my name before they went out of business. I also tried to contact the finance company associated with this loan, they are " GOODLEAP '' This company presented to want to help me investigate this problem. The home owner contacted the manager there so we try to resolve this misunderstanding. We sent several emails trying to resolve this situation, the finance company said they OPENED A CLAIM TO INVESTIGATE. Once the solar company went out of Business they completely changed their tactic and they have no intention in resolving this issue. They completely ignore me and have harassed me demanding payment on a fraud account that does not pertain to me. They also continue to send me past due bills. There is a substantial amount linked to my credit report from this finance company that need to be addressed right away. Please help me expedite this fraud so that we can finally resolve this. I can provide emails to help explain more in detail this situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: CA

Complaint narrative:
My login has been compromised and I lost so much money. I never used cash app and not too familiar with it. Some how the money was transferred from savings to checking to debit to cash app. I was told the notification was turned off, and that results in not receiving any notification about the transfer. I contacted bank, and they told me to contact Cash App, since all the money was transferred to them. I contacted Cash App customer service, and was told that I can file the dispute. After Cash App found out the amount that was transferred, they told me its not there problem and they can not help me with the dispute. Customer service told me that all the transactions were approved by me. ( I never had the App on my phone and I don't understand how they can say that it is approved by me ). Many transactions took place in the middle of the night or an early morning. She said, if you think this was fraud than you need to file a police report. I contacted police department and reported the fraud. ( I can provide the police report number if needed ). After going through the bank statement with police officer, we found out almost {$8000.00} was gone. Cash App told me that my dispute is denied and they can not help me anymore. 3 times customer service hang up on me. Every single time I contacted, I wrote down the name of the person I spoke with. I asked, if they could transfer me to supervisor, I was told sorry we don't have supervisor here. When I ask for the corporate office number that person hang up on me again. I am not working and disable from my car accident. All I can say Cash App has very poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NJ

Complaint narrative:
I have a a lot of credit hard inquiries from XXXX  and its within short period of times. Looking to remove all off XXXX  hard inquiries on my report. They have not and will not accept me. Its effecting my credit score significantly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. | have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/23 ]. 
Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Possible Financial Inc
State: FL

Complaint narrative:
I reached out on XXXX about a payment that I had on XX/XX/XXXX and XX/XX/XXXX. I was going through a hardship and I had asked to move my payments to XX/XX/XXXX and XX/XX/XXXX. I made the third payment on XX/XX/XXXX. My final payment is XX/XX/XXXX. At XXXXXXXX XXXX I received an email from possible loan telling me that my account is 40 days past due and that I have one payment remaining. And that I am at risk of a charge off. The final payment I have is scheduled for XX/XX/XXXX of {$85.00}. I am on a fixed income, barely making it and already Possible is threatening to send me to collections. When I have been a repeat customer since 2021. I would like the communications and emails to cease-and- desist. My final payment is already scheduled for the XXXX.

Company response to consumer: Closed with non-monetary relief