vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mintex Inc.
State: IL

Complaint narrative:
Refused to resolve traffic tickets or allow me make proper payment arrangements. Misleading customer service. Told me I didnt have to pay tickets I do still have to pay in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX I emailed them this. XXXX " I called to pay like always but was informed you will no longer take a full year up front. With that new policy and not being able to come to XXXX these last years we decided to just move our stuff out. I am in Oklahoma so I needed to find a family member to move my stuff for me. XXXX XX/XX/XXXX he called and said they were headed down tomorrow. On XX/XX/XXXX he cleaned out the unit, on XX/XX/XXXX I turned in the 30 days notice and then tried to pay a little later. I don't not remember what day but it was early in the month. I couldn't get anyone to take payment over the phone, they said they couldn't do it although that's how I paid for years. So I went online to pay and it said my account balance was XXXX. I thought they ran the card that had been on file. Then I get a letter in the mail from a collection agency saying I owe XXXX. I called and couldn't get through so I found a chat option that your company uses through XXXX. I have the old manager admitting that I did turn in notice on XX/XX/XXXX. I saved the entire chat if you'd like to see it. 

I don't understand any of this. 

In XXXX, I tried to pay the full year in advance. 
XX/XX/XXXX my cousin comes to move my stuff out and I fill out the 30 day notice online. 
Few days later I went to pay but it said I owe XXXX. 
I get a letter in the mail later that is dated XX/XX/XXXX from a collection agency saying I owe XXXX. 
I have been trying to resolve this issue ever since. 
I didn't even get 30 days from the XX/XX/XXXX before somebody turned me over to collections '' If I no longer had an account like they claim when I was turned over to National Credit Systems how was I able to log into the system with my account number and unit # and have the system tell me I had a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Auto Credit of Virginia Inc.
State: VA

Complaint narrative:
Company continues to garnishment my wages for interest amount owed after principal has been paid in full and will not give me information about how the interest amount got to the amount that it is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
I have tried contacting this company and the website says to contact XXXX and then the card says to contact XXXX but I ask for the fraud department and Im told that they dont have one to transfer me to. The email they provided me was for fiserv and that isnt the financial institution that is providing the cards. This card is for XXXX XXXX and I seem to have to be transferred to a different department to even speak with someone in customer service. I also believe that my phone has been hacked. I have tried numerous times to work with XXXX and have also gotten a new phone. This has been something I have gone through before and had to end up filing 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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX claims a late payment was made ... I have never been late to my knowledge ; I previously disputed this inn-accuracy, and was unhappy with the results. As a result, I demanded proof of investigation, bank statements, and records of ALL payments made, and missed ; and as of today still have not received proper documentation to convince me of claim made to support reporting a delinquency in the account. 15 U.S. 1666 ( A ) ( 2 ) ( B ) " creditor may not report to any third party that the amount of obligor is delinquent, because the obligor has failed to pay an amount which he has indicated ... unless creditor notifies the obligor of the name, address, and amount of each party to whom creditor is reporting information concerning the delinquency. '' which XXXXXXXX XXXX XXXX has failed to do as the law requires.

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 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OR

Complaint narrative:
Dear Customer Financial Protection Bureau ( CFPB ) Representative, On XX/XX/XXXX, my Discover credit card account was unexpectedly closed without a clear explanation. This closure occurred just one day before XX/XX/XXXX, which is the date when I would have reached the " Cash Back Match '' period according to Discover 's Rewards rules. Based on these rules, I would have gained an additional {$290.00} in cash back rewards. 

This sudden closure is especially disconcerting because I have been using this Discover card as my primary credit card since I applied for it. One of the primary reasons I have been committed to using this particular card is due to the appealing rewards program, specifically the " Cash Back Match '' feature. The timing of the account closure, just one day before I would have been eligible for these additional rewards, raises questions about the reason behind the termination of my account. 

I have attempted to get clarification on this matter by calling Discover 's customer service. During these calls, I was transferred to four different departments, yet none could provide me with a clear answer as to why my account was closed. This lack of transparency is concerning and makes me question the fairness of this action, particularly given that it occurred right before I was due to receive a significant reward amount. 

I am seeking a thorough investigation into the reason for the account closure and would like to know whether it is possible to reinstate my account, along with the " Cash Back Match '' rewards that I would have earned. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I sent several letters I have not got an response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase Bank Customer Service Department Dear Sir/Madam XXXX I am writing to inform you that I have recently received a check from [ XXXX XXXX XXXX ] in the amount of XXXX, and I believe it may contain a corrected payment. I want to confirm that this check is legitimate and not fraudulent. 

The check was issued on XX/XX/2023, and the payment could be a correction for a previous transaction or invoice. To ensure that this payment is processed correctly and promptly, I kindly request your assistance in verifying the authenticity of the check and processing it accordingly. 

Enclosed with this letter, please find a copy of the check for your reference. If you require any additional information or documentation to confirm the legitimacy of this payment, please do not hesitate to contact me at XXXX or via email at [ XXXX ]. 

I appreciate your prompt attention to this matter and look forward to your confirmation of the check 's legitimacy. Your assistance in resolving this payment is greatly appreciated. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: AL

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. 

Account Name : 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-09-18 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: AL

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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
Consumer complaint received 2023-09-18 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: IL

Complaint narrative:
I have received a copy of my credit report, and Im disputing the following information that appears on my Trans Union report. 
XXXX XXXX XXXX has fraudulently reported on my Trans Union record. I am a victim of identity theft and I never opened this account. Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that this be removed completely and permanently from my credit report immediately.

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went into their business thinking I was going to get a car same day and only have my credit run once. I even asked the sales person XXXX if they were going to run my credit once and he said yes they have an in house finance person and my credit will only be ran once. They ended up running my credit twice and then tried to send me to a credit union to have it ran once again! I tried to dispute them but the lady from Experian told me to ask the company for a letter stating that we are not going through with the vehicle purchase and to pull the report/inquiry that they did but they are not cooperating and refusing to send it to me so I can have it disputed. All in all I just feel scammed, they did not communicate well with me at all and pulled all the strings behind the scenes and tried to get me to pay wayyy more and have my credit run multiple times when they guaranteed me otherwise

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 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Today, XX/XX/2023, an old friend texted me a screen shot of a number that called him asking information about me and trying to imply what it was about. This is after they repeatedly call me about XXXX almost everyday. I am not working and I have started to pay things off little by little according to what I was advised to do. The number XXXX and the persons name was XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: LEXISNEXIS
State: WI

Complaint narrative:
1st I am stressed and displeased that I see there is a XXXX  on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing XXXX and XXXX XXXX as of now. Please remove ASAP Upon speaking to the XXXX XXXX, they do NOT furnisher people 's information to XXXX XXXX so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my XXXX. I can't provide a good life for my children due to these falsified damages from the XXXX. I am XXXX!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing XXXX against this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: SC

Complaint narrative:
Cash app is experiencing a technical issue. The issue has prevented me from unlinking my personal bank card from cash app. The app has also blocked me from skipping the option to add an additional bank account card. I can not navigate into my cash app account unless I provide an additional personal bank card for linking purposes which this issue has never happened. I selected the option for cash app to never use my location. Cash app disregarded my request to never use my location and instead provided me with my location. I strongly believe a security breach took place and consumers personal information may have been compromised. Cash app recently experienced a breach that allowed every and anyone to use their cash app account without funds being available. I have reached out to cash app regarding this issue and was informed someone would get back I touch with me later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: TX

Complaint narrative:
the accounts was open without my knowledge.

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 2023-09-18 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: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Roundpoint is holding over XXXX of my money and refuses to apply it to the multiple mortgages I have with them. It has been XXXX months since my checks were cashed and Roundpoint refuses to give me credit for the payments I have made and instead is report to the credit bureaus all my mortgage payments are late. I am a real estate investor pursuing additional investments, I have sustained actual damages because I have been denied credit due to the misreporting by Roundpoint. Roundpoints misreport has caused my credit score to crash more then XXXX points. Roundpoint is charging me interest on principal I have paid, denying me of justified reductions in my interest expense. Roundpoint has violated both civil and criminal statutes in the State of California.

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 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX, I spoke with a Nelnet agent who advised me to apply for the SAVE plan on the studentaid.gov website. I did, and on Student Aid it shows tentative approval with the lowered monthly amount. 
On the Nelnet website it shows my monthly payment being around {$600.00}, when before the COVID pauses I enrolled for PAYE and studentaid.gov and Great Lakes ( my previous servicer ) showed a monthly payment of {$0.00} It has been almost one month and I have only received one email stating Nelnet is reviewing my application. However, on studentaid.gov it shows Nelnet has finished their review.

I emailed Nelnet last week and today received an email saying no one could help me via email due to high volume. I have been on hold on the phone for an hour and 2 minutes, and nobody has answered the phone. When I tried calling last week, the line hung up within a few minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: TX

Complaint narrative:
My previous address on file has the incorrect zip code listed on my credit report and an update is required. 

The address of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX should not have the zip code XXXX listed within the address. 

it is exhausting having to constantly correct misinformation after years of requests. 

Please ensure ALL of my data is corrected.

Company response to consumer: Closed with explanation