vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: CA

Complaint narrative:
On XX/XX/XXXX XXXXXXXX XXXX violated my rights to privacy as a federally protected consumer. As a result of XXXXXXXX XXXX not following the rules set-forth under the privacy act and title 15 usc 6802 which allows consumers the opportunity to opt out of sharing non public personal information with 3rd Party non affiliates such as TransUnion, which XXXX XXXX was provided with my personal information from my consumer report without my written consent as mentioned in section 15 usc 6801-6802. I am hereby demanding that the adverse action taken against me by XXXX XXXX be reversed due to they fact I was not given proper notice in accordance with federal laws for my personal information being shared with consequently had my account closed. TransUnion is also in violation by not following the rules of furnish accurate information and having me the consumer prior consent before furnish such information. I also am aware that I am able to seek civil liability damages due to these violations in accordance with federal laws under tile 15. Please provided proof that my prior consent was given before making a decision to close my account. I am also aware that XXXX XXXX is holding on to a security that was given to them which was value and consideration. I would also like the return of my original application with the wet ink signature ASAP or I will be filing a claim for securities fraud against XXXXXXXX XXXX in accordance with the security exchange act of 1934.

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 2024-05-01 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: IN

Complaint narrative:
In response to my 1099c copy b form iv received. The claim made of my copy B document from XXXX stating the document enclosed with your complaint determined the IRS Form 1099-C provided is fraudulent and was not sent to you by XXXX To this my question is, in writing what exact evidence is XXXX XXXX of XXXX providing to make such a claim? of the legitimacy of my Copy B form. To then follow through with your false assumption of the1099C copy B form as that of a Fictitious Financial Instrument '' yet with no stated evidence on this claim? As it seems to be of either ignorance or lack of capability to uphold your duties appropriately. 

Three copies originate from the 1099C Form for forgiveness or cancellation of a debt. Copy A, B and C. Copy A as that of what the lender or Nelnet in this case has filed with the IRS. Copy C then being retained and kept for the creditor, while sending copy B to the debtor in this case myself to be kept for my own records as well as filed and included as income taxes on form 1040. 

As provided and attached to this complaint the following information matches XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address ( as specified exactly from the address XXXX XXXX you provided in your own letter in the top left hand corner? ) Attention to XXXX XXXX XXXX, current CEO of XXXX. XXXX EIN number provided as shown in the creditor box, As well as my own social in the debtors box. All necessary requirements as for any other Copy B form one would receive from a creditor. It'd be a wise decision to even call the IRS yourself when this 1099C Form was submitted for acceptance to further prove its validity. I ask again, what exactly have you come to deduce that makes this document fraudulent? If no evidence is provided then I respectfully ask to make the following reflection for the 1099C Copy B student loan XXXX account XXXX. With the 1099-C IRS form Copy B total amount forgiven and discharged of {$13000.00}. If this escalates into further conflict and your avoidance ultimately leading to alleged tax law violations. I'll have no other choice but to inform the IRS upon these violations you are commiting via filing a 3949A, or Information Referral immediately for these alleged income tax violations committed by you and 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In response to my 1099c copy b form iv received. The claim made of my copy B document from XXXX stating the document enclosed with your complaint determined the IRS Form 1099-C provided is fraudulent and was not sent to you by XXXX To this my question is, in writing what exact evidence is XXXX XXXX of XXXX providing to make such a claim? of the legitimacy of my Copy B form. To then follow through with your false assumption of the1099C copy B form as that of a Fictitious Financial Instrument '' yet with no stated evidence on this claim? As it seems to be of either ignorance or lack of capability to uphold your duties appropriately. 

Three copies originate from the 1099C Form for forgiveness or cancellation of a debt. Copy A, B and C. Copy A as that of what the lender or XXXX in this case has filed with the IRS. Copy C then being retained and kept for the creditor, while sending copy B to the debtor in this case myself to be kept for my own records as well as filed and included as income taxes on form 1040. 

As provided and attached to this complaint the following information matches XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address ( as specified exactly from the address XXXX XXXX you provided in your own letter in the top left hand corner? ) Attention to XXXX XXXX XXXX, current CEO of XXXX. XXXX EIN number provided as shown in the creditor box, As well as my own social in the debtors box. All necessary requirements as for any other Copy B form one would receive from a creditor. It'd be a wise decision to even call the IRS yourself when this 1099C Form was submitted for acceptance to further prove its validity. I ask again, what exactly have you come to deduce that makes this document fraudulent? If no evidence is provided then I respectfully ask to make the following reflection for the 1099C Copy B student loan XXXX account XXXX. With the 1099-C IRS form Copy B total amount forgiven and discharged of {$13000.00}. If this escalates into further conflict and your avoidance ultimately leading to alleged tax law violations. I'll have no other choice but to inform the IRS upon these violations you are commiting via filing a 3949A, or Information Referral immediately for these alleged income tax violations committed by you and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: TX

Complaint narrative:
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX. This is not complete and accurate. 
XXXX XXXX  XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.

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 2024-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/24, I logged into my Marcus Goldman Sachs account and linked an external account ( XXXX XXXX ) using the Plaid verification service. I then initiated a {$10000.00} transfer from my MarcuXXXX Goldman Sachs account to my newly linked XXXXXXXX XXXX  account. Around XXXX on XX/XX/24, I received a call from an agent with Marcus Goldman Sachs asking me to verify the transfer request. I told the agent that I had submitted the transaction and the agent said that the transfer would go through an no other information was needed. On XX/XX/24, I logged into my Marcus Goldman Sachs account and saw that tthe initial transfer I made was reversed and a new transfer request was made on my behalf. Around XXXX on XX/XX/24, I get another call from Marcus Goldman Sachs asking me to verify the transfer request. I told the agent that I made a request to transfer $ XXXX to XXXX and that an agent had already called me about it yesterday. The agent placed me on a hold then told me that I would need to do a XXXX way call with XXXX to verify the account. The agent placed me on a hold to find a phone number to call XXXXXXXX XXXX. After XXXX minutes, the agent came back and stated that he could not locate a phone number to XXXX XXXX and as such he can not verify my account and I could not transfer money to that account. I asked the agent why I am unable to use that account if it was linked and verified via XXXX. XXXX stated that it's because of his inability to verify the account that I am unable to use it to transfer money to. Upset, I hung up the phone. Now, I have to wait another XXXX hours before I see the {$10000.00} transfer reversed and have the money back in my account. All the while, I am losing daily interest on my money because of this useless inconvenience and runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
XX/XX/XXXX I want this account removed from all three credit reports for each of the following reasons. 
Reference account XXXX XXXX XXXX, account number XXXX Delete for inaccuracy because the payment history reflects the continuation of Voluntary Surrender Reports after the vehicle was repossessed in XX/XX/XXXX. 
Delete this account for violation because notice of dispute was not entered as required within 30 days from the date my first dispute was received, pursuant to section XXXX of the FCRA Delete due to inaccuracy and lack of information, such as closing date and last activity date. 
Additionally, the date updated of XX/XX/XXXX shows us that this account has never been investigated despite my claims I, XXXX XXXX, have included copies of my recent investigation report as well as copies of the credit report where the advertised account is located and the lack of interest or negligence on the part of 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: PR

Complaint narrative:
XX/XX/XXXX I want this account removed from all three credit reports for each of the following reasons. 
Reference account XXXX XXXX XXXX, account number XXXX Delete for inaccuracy because the payment history reflects the continuation of Voluntary Surrender Reports after the vehicle was repossessed in XX/XX/XXXX. 
Delete this account for violation because notice of dispute was not entered as required within 30 days from the date my first dispute was received, pursuant to section XXXX of the FCRA Delete due to inaccuracy and lack of information, such as closing date and last activity date. 
Additionally, the date updated of XX/XX/XXXX shows us that this account has never been investigated despite my claims I, XXXX XXXX, have included copies of my recent investigation report as well as copies of the credit report where the advertised account is located and the lack of interest or negligence on the part of 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 2024-05-01 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: 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. 

Bankruptcy 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 2024-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I currently have a car loan with Santander Consumer. On XX/XX/2024 I called in and spoke to a rep from Santander before making my payment. My payment is due every XXXX of each month. I asked the rep since I am withing the 10 days to not be late, if I make my payment today XX/XX/2024 will it applied to interest and principal or just interest, the rep said It will be applied to interest AND PRINCIPAL. My XXXX payment was applied to INTEREST only. To day XX/XX/2024 I spoke to XXXX and she apologized for being LIED to but they will not apply my payment as principal and interest. It is not the first time Santander makes false statements. I need someone to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX is reporting me being 30 days late on my personal loan with XXXX XXXX XXXX XXXX in XX/XX/2023. However I evidence to prove that this information is inaccurate. Despite making timely payments, their erroneous reporting has resulted in unjustified damage to my credit report and score. I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the Bureau to hold all parties accountable for their failure to adhere to the fair credit reporting practices. Please inform me of the steps you will take to address these complaints and the expected timeline for resolution. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have an approved borrower defense case against the art institutes and I would like the navient school misconduct Private Loan discharge application. 
My federal student loan was just discharged based on an ED finding that XXXX  XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. Because of the pervasive and widespread nature of the misconduct by XXXX XXXX XXXX, ED has determined that it is appropriate to discharge the outstanding loans made to all students who enrolled at XXXX XXXX XXXX. My private loan for this school should be discharged and refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I'm still im disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like for this item to immediately be re-investigated. The inaccuracies are highly injurious to my credit score. 
Capital one ( numberXXXX ) In accordance with the fair credit reporting act, public law 91-506, TITLE VI SECTION 611.PLEASE provide the names and updated copy or my credit report after reinvestigation.I request because of these inaccuracies that this account be deleted off my credit report.XXXX  AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: AZ

Complaint narrative:
On the XXXX of XXXX, I became aware of a modification in my legal name as reflected on my credit report across all three significant credit bureaus, namely XXXX, XXXX XXXX, and XXXX. I possess no prior familiarity with these collections that have surfaced. The outstanding amount was recorded as {$520.00}. Consequently, I promptly called and composed a letter addressed to both XXXX and the collection agency, seeking clarification and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX I went to XXXX in XXXX, New Jersey. On route XXXX I went to withdraw {$390.00}. That ATM charge me {$390.00} with the ATM. Fee the ATM then said cash dispersement error and no money came out. The money came off my account. I then went to call XXXX and they said to call the card. The card I was using was a Cash App card. They said I had to call Cash App for them to dispute the withdrawal. I then went to Cash App. Had them disputed. I was denied my dispute and they said I have to contact XXXX I contacts XXXX again. They said contact Cash App. I contact Cash App again and dispute it again. I have them send me their investigation results. And they sent me just a picture of with my name on it and a withdrawal amount. And I said I got the money but I never received the money. So I'm out of {$390.00} and I don't know what type of investigation they did. Of course, the computers gon na say I got the money because it came out of my account if they did a proper investigation like have the ATM audit their machine if they. We'll see that it's XXXX extra dollars in the machine. If they would have the ATM look at the camera, they would see that I did not receive any money out of the ATM so I don't know what to do. I'm just out of {$390.00}, and neither company is willing to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS OPENING WHAT SO EVER. I HAVE NOT SENT ANY PERSONALS STATEMENTS INTO YOU GUYS STATING THAT I AGREED TO THE HAVING INFORMATION BLOCKED IN ERROR OR THAT I AGREED TO THE ACCOUNT BEING OPENED. THE ACCOUNT IS FRAUDULENT. and further litigation will follow if accounts are not deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
We have won the Borrowers Defense case for federal loans and our school has shut down due to illegal practices and was a sham. Private loans should be dismissed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.

Company response to consumer: Closed with non-monetary relief