vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: UT

Complaint narrative:
Violating Company XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, caXXXX I am writing to file a formal complaint regarding the unlawful reporting of my background information to credit reporting agencies without my consent. This action violates my rights under the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and USC 1692c.

I recently discovered that certain entities have been reporting my background information to credit reporting agencies without my knowledge or authorization. This unauthorized reporting is a clear violation of my privacy rights as outlined in the Privacy Act of 1974, which mandates that individuals have the right to control the collection, maintenance, use, and dissemination of their personal information. 

Furthermore, the Fair Credit Reporting Act ( FCRA ) establishes guidelines for the accuracy and privacy of information reported to credit bureaus. By reporting my background information without my consent, these entities are in direct violation of the FCRA, which requires consumer reporting agencies to follow reasonable procedures to ensure that the information they report is accurate and up to date.

Additionally, USC 1692c under the Fair Debt Collection Practices Act prohibits debt collectors from communicating with third parties about a consumer 's debt without the consumer 's consent, except in specified circumstances. Reporting my background information to credit reporting agencies without my consent falls under this prohibition and is therefore illegal. 

I am requesting an immediate investigation into this matter and the removal of any unauthorized information that has been reported to credit reporting agencies without my consent. I also request that appropriate actions be taken against the entities responsible for this violation of my privacy rights. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me if you require any further information or documentation regarding this complaint. 

Thank you for your assistance in this important issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
I was buy a car XXXXdays the car give problem I was send the car back they take my money they dont give me another car and they putting inquiry my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to request an update to my personal information on my credit report below are addresses that do not belong to me. Please find the details below : 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 XXXX XXXX Current Employer Information : Employer Name : The XXXX Group Please update the information in my credit file as requested above. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation that these changes have been made. 

Thank you for your assistance.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to request an update to my personal information on my credit report below are addresses that do not belong to me. Please find the details below : XXXXXXXX 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 XXXX Current Employer Information : Employer Name : The XXXX Group Please update the information in my credit file as requested above. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation that these changes have been made. 

Thank you for your assistance.

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 2024-08-22 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit 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 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One charged more interest on a a lower balance than the month before. Several payments have been made prior to this months statement, and this month charged more interest on a lower balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2024, I used my debit card to purchase an cell phone plan from XXXX XXXX. 
On XX/XX/2024, I returned the phone ( free ) and cancelled the plan because the service was not activated properly. I could not receive calls or text messages. 
XXXX XXXX issued a partial refund for {$10.00} ( for XXXX XXXX ) and said the Corporate Office would issue the remaining refund and to reach out to customer service. The refund was seperated because the store claim the remaining amount were fees ( set up fee, activation fee, XXXX month of service fee ). 

When I contacted customer service they stated that was incorrect and that the refund should have been issued at the store so I disputed the transaction with Chase Bank. They are responsible for safe guarding transactions. The phone was returned and service cancelled immediately, yet Chase reversed my dispute in error and I am requesting the amount Chase released from my account to be returned because I am not in possession of goods and did NOT receive services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AFNI INC.
State: IL

Complaint narrative:
To who this may concern I am writing to address the subject of the aforementioned account and transactions as you aware the vehicle in question was repossessed by XXXX XXXX XXXX in the state of Il on date and subsequently resold on date XX/XX/year>2023. It is Imperative to note that in accordance with the laws of the state of IL where car was repossessed, specifically ucc 810IL cs51 as well as state Risa and mvisa statuses a deficiency claim can not be valid unless all required notice were duly provided in a proper and timely manner. Additionally I strict adherence to the allowable redemption and cure time limits is required for such a claim to be legitimate. I hereby request that you provide me with copies of the legal notice pertaining to the repossession as well as evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. Failur to furnish the request proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reports will be regarded as violations of the fair debt collection practice act ( fdcpa ) and the fair credit reporting act. I also have no contract or legal documents with XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: CA

Complaint narrative:
It has been more than 30 days since my last dispute/complaint, the account in question with XXXX is still reporting. 

I have officially filed an XXXX form to combat the continued to reporting of this account any further. Please remove the charged account with XXXX under the ground of no evidence being provided by the creditor in question within 30 day period. Because of the lack of response, I can not accept responsibility or ownership of the account in question. As I mentioned in my complaint, XXXX sold this debt and gave up their legal right to collect therefore legally they are to report this balance as {$0.00}, they have failed to do that but also failed to prove the account is mine or any further evidence of accuracy in reporting. XXXX has removed this account. Transunion and XXXX need to as well. 

You have 15 days to remove this account from my credit report, else I will have to take legal action against all parties. 

Thank you for your time.

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 2024-08-22 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am writing to formally request that you cease all communication with me regarding the debt you are attempting to collect. Pursuant to 15 U.S.C. 1692c ( c ), I hereby request that you immediately stop all communications with me concerning this debt, including any communication through credit reporting. Under the Fair Debt Collection Practices Act ( FDCPA ), once a consumer requests in writing that a debt collector cease communication, the debt collector must stop all communications, except for the following exceptions : To inform the consumer that the debt collectors efforts to collect the debt have been terminated ; To notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by them ; To notify the consumer that the debt collector or creditor intends to invoke a specified remedy. This requirement was reinforced in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXXXXXX XXXX XXXX where the court emphasized that debt collectors must adhere to a consumers request to cease communication under 15 U.S.C. 1692c ( c ). Additionally, any reporting of this debt to credit reporting agencies after this notice will also be considered a violation of the FDCPA. Any further communication from your office regarding this debt, including through credit reporting, will be considered a violation of the FDCPA, and I will pursue appropriate legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account name 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 a account without my written instructions.

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 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year> I have discovered a scam transaction on my Paypal account. XXXX XXXX  were sent to a person from my account. I contacted Paypal about it but they didn't give me any help. I will further contact my bank to revert the transaction. I can't believe such a big company will help scammers instead of their loyal customers. I have never ever in my life tried to get a refund because I didn't need one, but now when I get unlucky and need some help, they turn their back on me...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
DISCOVERBANK XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: OR

Complaint narrative:
NOT OUR DEBT XXXX ) Loan discharged in XXXX from XXXX XXXX SD, school no longer on record. 
XXXX ) No contact from school financial aid or communications from anywhere or anyone for 11 years after website said paid in full in XXXX. 
XXXX ) Nelnet acquired in XXXX, 11 years later and FRAUDULENTLY CHANGED THE DATA FILE saying it was transferred, not Paid in Full as it's shown for 11 years. 
XXXX ) How can a discharged loan in XXXX with paid in full on school website be transferred 11 years later to a collection company. 
XXXX ) Statute of limitations for Oregon is 6 years. 
XXXX ) Nelnet has not provided documents proving they can collect on this debt in Oregon, i.e. license to collect. 
XXXX ) Nelnet changed data fraudulently on the Great Lakes financial aid file from paid in full to transferred. 
XXXX ) Nelnet fraudulently changed data on credit report for XXXX XXXX school file reporting paid in full file to showing transferred in XXXX. 
XXXX ) XXXX XXXX school is no longer in information to contact. Nor have they responded separately from nelnet providing information verifying the debt was NOT DISCHARGED and why their school financial aid showed paid in full. 
XXXX ) Nelnet refuses to furnish original contract with information verifying this debt with a " wet signature '' of the contract proving I owe this debt. 
XXXX ) wrong name on file XXXX ) wrong address on file, Nelnet fraudulently updated mailing and email address from the CFPB prior complaints. 
XXXX ) NOT OUT DEBT, this was discharged in XXXX and plainly stated on the school financial aid portal website with no further communications until Nelnet fraudulently changed data in their favor in XXXX. 
XXXX ) Nelnet continues to harass stating we owe this debt without any verification of debt owed and reason the XXXX XXXX  school stated paid in full for 11 years with no further communications. They have not provided this information and continues to not provide. 
XXXX ) Nelnet refuses to provide information from XXXX XXXX  school proving this was NOT discharged and why no further contact for 11 years. 
XXXX ) Nelnet is trying to collect a debt that I do not owe, it was discharged and nelnet fraudulently changed financial records to show transferred. 
XXXX ) Nelnet fraudulently states that this loan was not discharged but deferred. They have refused or dismissed requests to provide verifiable letters from the school dated 11 years ago stating this. We still have received nothing from XXXX XXXX 
XXXX ) THIS IS NOT MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Fraud Block and Removal of Fraudulent Accounts Dear TransUnion, I am writing to request the immediate placement of a fraud block on my credit report and the removal of several fraudulent accounts that were opened in my name without my authorization. My previous request was not accepted due to the following reasons provided by your office : 1. Missing essential personal identifying information.

2. Lack of account-specific information, such as creditor names, account numbers, or other details.

3. The description of the identity theft was too vague and did not include specific dates related to the fraud. 

I have provided the necessary information below to rectify these issues : Personal Identifying Information : - Full Name : XXXX XXXX - Date of Birth : XX/XX/XXXX - Social Security Number : XXXX - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXXXXXX XXXX XXXX XXXX  Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Account XXXX : XXXX - Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Open Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX Description of Identity Theft : These accounts were opened without my knowledge or consent, and I first became aware of this fraudulent activity on XX/XX/XXXX. The dates of the fraudulent account openings are listed above, and I request that these accounts be blocked and removed from my credit report immediately. 

Please consider this a formal request under the Fair Credit Reporting Act ( FCRA ) and applicable identity theft laws. I have attached copies of my identification and any additional documentation needed to process this request. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these fraudulent accounts have been removed from my credit report. 

Sincerely, 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