vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

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 2023-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted complaint XXXX stating that Nelnet provided email correspondence stating that borrowers would be automatically switched to electronic mail ONLY, unless they opted out by XX/XX/XXXX. The link Nelnet provided only allowed for borrowers to OPT IN to electronic mail. 

Nelnet responded on XX/XX/XXXX. Among their various misstatements and refusals to remedy this issue, Nelnet stated The opt-out option is not available until XX/XX/XXXX, as you are not currently enrolled. 
On XX/XX/XXXX, you can opt out of XXXX directly on your XXXX account. 

Nevertheless, my case was closed by the CFPB. My follow up comments were not transmitted to Nelnet. And Nelnets wrong-doing continued unabated. 

My calls to ask to stay on POSTAL MAIL correspondence were disconnected or met with You mean you want to opt in to email only? Because thats all we can do On XXXX, I logged onto my Nelnet account so I could OPT IN to postal mail, andI learned that Nelnet does not offer such an option. Their only option allows me to opt-in to electronic mail. 


Nelnet only notified borrowers of this change using email which disenfranchises borrowers with limited access to electronic mail. Nelnet refuses to set up the infrastructure for users to opt out of this change. Nelnet has failed in its notice requirements, and committed fraud against its borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I purchased a XXXX XXXX scooter through a dealer back in XXXX on credit through XXXX. Paid it off shortly after. Recently realized I never got a title and was informed by the XXXX in XXXX California that it has a paperless title with a XXXX listed still from XXXX. I have called at least 6 times and usually given their XXXX email address. I have sent around 6 emails over the last several weeks and received no response. With it being a paperless title I can only get it removed by XXXX electronically and have no other recourse. I can not sell it until this is resolved. I just want acceptable customer service. Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX 2023, my account statement on my Bank of America credit card was {$170.00}. I mistakenly paid off the amount of {$200.00} twice ( {$400.00} ). I claimed and they refund to me into my XXXX XXXX the amount of XXXX, leaving a credit of {$29.00}, this is ( {$200.00} minus XXXX ). Now, in the XXXX statement, I have a balance of {$140.00} which is good, but they added the same amount they refunded to me, arguing I owe them the amount of {$350.00}. Of course, this is ridiculous and I ask : does it make sense?

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an + open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One received payment from my XXXX XXXX XXXX account in the amount of {$280.00} ; and {$500.00} on XX/XX/2023. 

I was then informed the payment would not post to my account until XX/XX/2023. I indicated this was unacceptable and had I known, I would have kept my money in my checking account as I needed funds for the holiday weekend. 

When I reached out to capital one to confirm payment/ascertain status- capital one determined I could expedite the waiting period if I stayed on the phone with their fraud representative ( Agent name : XXXX ), while he connected with XXXX to confirm the payment went through. 

40 Minutes later, we have confirmation from my bank XXXX XXXX, that yes I have paid the amount and it has gone through. Despite this, Capital One needed to clear this " internally. '' XXXX then begins the process of placing me on hold a number of times, trying to figure out what is wrong. 

XXXX then told me it had in fact processed ( check the phone logs ) and then doubles back and stated that in fact it hadn't and they simply could not figure out the internal mechanism holding up confirmation. 

He then informs me, though I am at work, If i get disconnected, they will not fund my payment/ make my credit available for another week because they can not " confirm my payment. '' However, if you have been following along, we had confirmed payment, XXXX minutes ago now. 

Despite this nice threat -- I was disconnected and decided I had to continue working my full time job. 
I called back two more times, to which capital one was aware of the situation but had no further substantive solutions. I ended the call, cordially. 

fast forward to XXXX. I received a letter from capital one telling me I have violated their terms of use, and they have closed my account. 

This badgering from a credit card company is beyond unacceptable. Not only is this company inept, they treat customers like XXXX. There inability to confirm payment processes for personal banking is negligent. Furthermore, tying up an individual 's funds because of the companies own ineptitude is wilfully negligent. 

I have noticed activity on my credit report as well. This company is predatory. 
If no accountability is taken here, I will file an actual lawsuit against this company. I look to the CFPB to intervene and protect consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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.

The letters are stated with items and issues.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
JP Morgan Chase ( Chase ) bank has a service called Credit Journey which summarizes members ' credit scores from XXXX. NOTE : my XXXX data is correct ; it is Chase that is incorrect. 

My XXXX XXXX summary is screwed up, showing the wrong person 's personal credit data, including credit card, and auto loan balances, employment, and address history. And, yes, I can identify that person due to his employment and address history. 

Some of my Tax Data is screwed up as well, with this other person 's Social Security number on my 1099-INT forms, so while I have received tax forms in the mail, I can not access these forms on the Chase website. 

This error on my Chase Private Client Form 1099-INT for my checking and savings account goes back to the form issued for the tax year XXXX. Does this mean the other person has had additional interest income reported by Chase to the IRS for XXXX, XXXX, XXXX, and now XXXX? 

I have had multiple discussions with my Chase Private Client Banker, who has escalated this twice. Both times the escalation teams have expressed great concern over the error, but they can not change my social security number in the system ; only my banker, upon my providing a photo ID and Social Security Card, in person and fix this. I have appeared in front of him twice, providing the necessary documentation. 

It was readily apparent the escalation team 's level of concern went up when I related that I had already met my banker, provided my ID and Social Security card and the condition was not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
My account with Amegy bank was closed after a breach was reported. I was notified that bank charges had bee accrued. I contact their parent company Zion bank and settled with them. Payment was made at Ca Bank and Trust a divison of Zion Bank. I fouund out today that a collection in on my record. This is erroneous. Request to remove this collection immediately. Attached is the dispute with 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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has violated the FCRA by continuing to report unverified accounts. I have documentary evidence and their dispute results that show these accounts has not been verified but they are still reporting them and the FCRA states to verify the accounts or delete them and they have not deleted them but continue to report this false information. It is damaging my consumer report and reputation and if this problem isnt corrected immediately I will be moving forward with legal actions. Also disputes take longer than 30 days.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX  CREDIT CARD. 
APPEARS TO BE RE-AGED. 
NEED PROOF OF INVESTIGATION IN TO INCORRECT DATE OF FIRST DELINQUENCY AS 7 YRS IS NOW PASSED. AND SHOULD BE REMOVED FROM CREDIT REPORTING. 
SEE 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 explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, and XXXX XXXXXXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 


5. The following personal information is incorrect Account Number : NAME : XXXX XXXX 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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process so stop sending me letters saying that this is not me this is me. I sent letters to the Credit Bureaus 89 times to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE This FOLLOWING account COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  this collection isnt mines yall should be ashmed of yall self from destroying the character of my name now my life is ruined and im depressed I would like to complain about the misleading information in my credit report and I was totally surprised when I saw XXXX XXXX XXXX that has a balance of { XXXX } opened on XX/XX/2021 that is reported on my credit file. I don't have an idea why I got this account on my credit file since I'm not the one who open this account and this is not belong to me. NOT MINE! I already filed a dispute to each credit bureaus and filed an FTC affidavit please see attached.remove this now i demand u remove it now because yall need to stop playing with my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFC Recovery LLC
State: WA

Complaint narrative:
AFC Recovery, LLC sent me a undated letter which I received XX/XX/XXXX. 
The letter stated that they were trying to collect a debt owed to XXXX and that as of XX/XX/XXXX I owed {$350.00} and now owed an additional {$600.00}. 
I have no memory or records of any outstanding debt. 
It is my belief that any debts I owed in this time frame were paid in full and I have received no communications in writing or electronic in the past 10 years indicating otherwise. 
I do remember checking my credit report about 10 years ago to assure myself that any outstanding debts had be settled. 
My current credit report shows no record of any such debt. 
If I ever owed XXXX this money I believe that they either : - did not properly credit payments received - did not bother to inform me of a balance due for over 20 years Additionally this debt was not submitted to any credit reporting agency. 

On XX/XX/XXXX I responded to AFC Recovery, LLC using the form they provided and stated : I wanted to dispute the debut because I think- This is not my debt - Other The statue of limitations on debt in Washington State is six years I have never received any original bill for this debt I wanted AFC Recovery to send me name and address of original creditor This response was sent by USPS Priority mail and received by AFC Recovery on XX/XX/XXXX On XX/XX/XXXX I received another letter from AFC Recovery, LLC dated XX/XX/XXXX stating they were the new owners of this so called debt. 

I do not keep records going back 11 years. I honestly have no idea if this particular debt ever existed but I most definitely have heard nothing about this in 10 years.

Company response to consumer: Closed with monetary relief