vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i am submitting a complaint about XXXX, transunion, and XXXX. these credit agencies are improperly reporting information on my credit report. here is a list of accounts that are improperly listed on my account... 
XXXX XXXX balance {$6400.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX balance {$4900.00} opened XX/XX/XXXX XXXX XXXX  balance {$23000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX  balance {$150000.00} opened XX/XX/XXXX 15 usc 1681b states that you need written permission by me before you can add anything to my report. i never gave permission for this account to be on my report.. PL 90-321 ( 82 stat 146 ) is a law that backs the code and is even stricter than 15 usc =1681b.. 
you are also not allowed to add information that contains transactions.. 
15 USC 1681e also was created to provide more accuracy to these reports and they are violating this code as well. 
they failed to comply the first dispute so i am entitled to {$1000.00} per violation... i have about 10 items that are inaccurate so {$10000.00} seems fair to me for them ignoring my complaint and being willfully non compliant. every company agrees to this law before operating and are clearly breaking the law by not following it. 
they are also violating the Privacy act of 1974 i also never received a privacy notice before they furnished any info to my consumer credit report... 
i was also never provided with an opt out option ... 12 CFR 1016.7 confirms that there needs to be an opt out option.

15 USC 6802 b states you must give me an opt out notice before anything is added to my report..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: NJ

Complaint narrative:
i am submitting a complaint about XXXX, XXXX, and experian. these credit agencies are improperly reporting information on my credit report. here is a list of accounts that are improperly listed on my account... 
XXXX XXXX balance {$6400.00} opened XX/XX/XXXX XXXX XXXX XXXXXXXX balance {$4900.00} opened XX/XX/XXXX XXXXXXXX XXXX balance {$23000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX  balance {$150000.00} opened XX/XX/XXXX 15 usc 1681b states that you need written permission by me before you can add anything to my report. i never gave permission for this account to be on my report.. PL 90-321 ( 82 stat 146 ) is a law that backs the code and is even stricter than 15 usc =1681b.. 
you are also not allowed to add information that contains transactions.. 
15 USC 1681e also was created to provide more accuracy to these reports and they are violating this code as well. 
they failed to comply the first dispute so i am entitled to {$1000.00} per violation... i have about 10 items that are inaccurate so {$10000.00} seems fair to me for them ignoring my complaint and being willfully non compliant. every company agrees to this law before operating and are clearly breaking the law by not following it. 
they are also violating the Privacy act of 1974 i also never received a privacy notice before they furnished any info to my consumer credit report... 
i was also never provided with an opt out option ... 12 CFR 1016.7 confirms that there needs to be an opt out option. 

15 USC 6802 b states you must give me an opt out notice before anything is added to my report..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: NC

Complaint narrative:
Submitted Identity Theft Report however, Transunion requested I complete a " Transunion Identity Theft Victim Assistance Affidavit. '' Please note my identity theft report from the FTC which I attached is complete and complies with 605B of the FCRA, which I submitted previously to Transunion before Transunion requested this document.

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 2023-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2023, I was scammed by someone claiming to be a Navy Federal Credit Union ( NFCU ) representative after I received what looked like a notification from NFCU notifying that someone was using my card. ( see attachment of screenshot of phishing text received ) After I declined that it was me, I received a call from the same number as the NFCU number asking for me to verify my identity by reading a code sent to me by email. I was under work duress and didn't fully understand what was being sent to me, but it ended up being the code to reset my password. 

I was unaware that I was not speaking to an actual NFCU representative, but a scammer. After that they then transferred me to another scammer who said that someone was using my account as a mule to launder money and that I needed to transfer the laundered money to one of their representatives via XXXX XXXX. At that time, they were posing as Navy Federal Credit Union on XXXX XXXX which later changed to a different user. ( See screenshot of XXXX XXXX scammer user account AFTER transactions occurred. ) Throughout all this, I was never formally notified by NFCU that a loan had been taken out in my name. I did not sign a loan agreement and I had no idea that the money I transferred was actually a loan of {$9000.00} they took out under my name. The scammers, under the guise of NFCU representatives, were advising me to transfer the money out, telling me that it was " laundered '' money. I was only able to transfer {$4900.00} of the " laundered '' money to them and when they realized I couldn't transfer the rest they said they'd call me back later. 

On XX/XX/2023, at about XXXX XXXX, I called NFCU and they told me that it looked like fraud. NFCU conducted an investigation and even after they admitted it was fraud, they said that I was still obligated to pay the other {$4900.00} to them because I had " Participated '' in the scam. I was NOT a participant ; I was a victim of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: WI

Complaint narrative:
I applied for the SAVE program and nelnet received my application on XX/XX/XXXX and they have not processed it or provided updates. My payment was due XX/XX/XXXX for around XXXX dollars a month and my SAVE payment was projected around XXXX. I emailed and called several times to discuss my application or what i should do but would sit on hold for over 90 minutes and give up. My calls would also get disconnected after waiting a significantly long time. Given that i have to work to pay these loans back, i simply can't afford to sit on the phone for 8 hours a day hoping my call won't get disconnected or that i actually speak with someone. 

I believe this delay is intentional to force my default so that my previous years of payments go back to XXXX, knowing full well i can not pay XXXX a month so they ignore or delay my application and i suspect this is the case with many other borrowers. A month to review my application is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : Request for Immediate Correction of Inaccurate Information on My Credit Report I am writing to bring to your attention that you are continuing to furnish personal information on my credit report that is inaccurate, does not belong to me, and is not compliant pursuant to the Fair Credit Reporting Act ( FCRA ). I had previously submitted a letter dated XX/XX/2023, challenging these inaccuracies. Please find the original letter attached for your reference. 

Upon reviewing my most recent credit report, I was dismayed to find that the incorrect information is still being reported. This is unacceptable and needs to be rectified immediately. 

Personal Information for Experian NAME : XXXX XXXX XXXX XXXX The only name I go by is XXXX XXXX XXXX Please remove any name you have in your system that does not match XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The only residence I reside at is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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 2023-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
Mohela processed my PSLF application and forgave a large portion of the loans, but not the final amounts {$2600.00} and {$2400.00}. They finally sent me a letter on XX/XX/XXXXXXXX  stating that I had met all requirements of the PSLF program and the loans would be forgiven, but those final two amounts still have not been forgiven. I emailed them on XX/XX/XXXXXXXX  about why the loans were still not fully discharged and they told me that even though I had made 174 payments and only 120 were required, they still hadn't completed their review and I would need to allow the review to complete as more months might be added ( even though I had already made 54 more qualifying payment than were required for forgiveness ). I contacted them again about the same issue on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On the last two emails I mentioned that the loans were showing in repayment status even though they were supposed to be forgiven. They did not reply. I now have a bill for {$300.00} due on XX/XX/XXXXXXXX  for loans that are supposed to be forgiven. Also, when I originally applied for PSLF, I checked the box on the form that stated I believed I had made enough payments to qualify and wanted my loans to be in forbearance until the PSLF review had completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: NY

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc.
State: FL

Complaint narrative:
According to 15 U.S. Code 1692e ( 4 ) States ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

Also In accordance with the Fair Credit Reporting Act, CARMAX AUTO FINANCE, 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 my account without written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose. 


A judicial order is needed to repossess a vehicle and the company has failed to provide that order. 




XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UPGRADE, INC.
State: GA

Complaint narrative:
Sold account without my permission I have the right to privacy I am origin creditor I can only verify a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have filed a complaint # XXXX on XX/XX/2023. I provided documentation to support my claim that Transunion allowed my credit filed to house incorrect account balances as well as incorrect status. This lack of investigation of information as well as written consent from me has and daily causes me mental and physical stress.

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 2023-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: NJ

Complaint narrative:
My loans are being serviced through Mohela. According to the agreement I have with them, I have XXXX general forebearance days to use. My loans became due on XXXX and I applied for forebearance on XXXX. I asked for 365 days of forebearance as I can not pay. I do not have the money to make the payments. In the past it took a few days. I got a letter that said it can take up to 90 days and I must pay the bills as they are due. Each bill is {$1300.00}. I can not pay that. They are not processing my application, unfairly, and I am concerned this will affect my credit. Conclusion : Mohela has not processed my request for forebearance and is saying I have to pay {$1300.00} per month, which is impossible. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Received unsolicited email saying an account was opened jn my name. I did not open account. 

Sent email to XXXX per requested in email- they included this as a way to report unauthorized account openings. 

FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
This communication is in reference to my LexisNexis Consumer Disclosure Report dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The item in dispute is the Inaccurate Business Association Record that LexisNexis is reporting on my LexisNexis Consumer Disclosure Report.

This is my fifth notice to LexisNexis regarding the Inaccurate Business Association Record that is being reported on my LexisNexis Consumer Disclosure Report. This information is inaccurate because I am NOT associated with the Business Association Record that LexisNexis is reporting. Additionally, LexisNexis has previously reinvestigated the inaccurate Business Association Record and determined it to be UNVERIFIABLE. 

Since the inaccurate Business Association Record has been previously investigated by LexisNexis and was determined to be UNVERIFIABLE, there is no need to initiate a reinvestigation. Based upon LexisNexis ' previous reinvestigation, I kindly request that this inaccurate Business Association Record be promptly and permanently removed from my LexisNexis Consumer Disclosure Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit report shows the following accounts that are inaccurately reporting as charge off and/or late payments. These accounts were filed in bankruptcy and have all been discharged. More importantly, the months showing late payments and/or charges offs were during the time the accounts were included in bankruptcy. The accounts are as follows : 1. XXXX XXXX : 2. XXXX XXXX : 3. XXXX XXXX XXXX : 4. XXXX XXXX : For several months, I have contacted the creditors and all credit bureaus to update my credit reports, or to delete this inaccurate information. Each credit bureau continues to state they have investigated, and the company reports the accounts are accurate. I have requested proof of the investigation and I have not received any documentation from NONE of the bureaus or creditors.

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 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
About XX/XX/23, I noticed unauthorized usage and interference with my cellular device that allowed another person to view my personal information and intercept transaction made with my debit card online. I verified the activity with the merchant on XX/XX/23 that confirmed the activity as theft. After filing a police report for the theft and activity, I reviewed my transactions previously made and I noticed multiple decrepencies in which I reported to my bank without delay. My bank has requested that I submit an affadavit in which I returned the same day via email as previously allowed ; the bank 's policy is to provide temporary credit for the transactions in which has not been applied as an intentional delay due to unsupported accusations due to prior issues with the account. Past disputedms filed on the account is due to long-term ongoing issues regarding harrassment described by my local laws as XXXX XXXXXXXX where my previous partner is consistently relocating along with me to unlawfully pursue me and monitor the activity on my device through the tampering with my device accounts that have been documented and reported.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-14 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: NY

Complaint narrative:
To whom it may concern ; I recently reviewed my consumer report and observed that 2 late payments are incorrectly reporting on Consumer Reports. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information with Maximum Accuracy. I have never been late on my account by XXXX with account # XXXX. Attached document will show multiple inaccuracies. Please remove the late payments and update with paid on time as I was never late. 

Thank you for your kind consideration. 
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 2023-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I purchased a car in XXXX XXXX, and it is financed by Westlake Financial. They called me and my employer numerous times, to the point I had to tell them I would be written up because due to confidentiality we are not allowed to receive personal calls in the job. They continued to call. They requested all types of documents ( that I did not have to provide when purchasing a home or any other vehicle before )! 

My payment is due on the XXXX of every month, but I have a 10 day grace period before I am late. However, on the XXXX they begin harassing me and will call my phone 3-5 times or more everyday!! I have told them I am NOT allowed to receive personal calls on my job and to contact me by email or postal mail & ONLY if I am past due ( after the XXXX )! I have NEVER been past due & they still call back-to-back!! Ive tried blocking them and they will call from various numbers, now early in the mornings or late at night ( even on Saturday & Sunday )! I have asked my car salesman to trade this vehicle or refer me to someone for refinancing because I have NEVER been harassed by anyone like this before!!

Company response to consumer: Closed with explanation