vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: EQUIFAX, INC.
State: MO

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Capital One has violated my rights under 15 USC1681 section 602 states I have the right to privacy 15 USC 1681 Section 604a also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a 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 2023-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Unauthorized collections

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is the refilling of my complaint to JPMCB CARD. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my writtien instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CarMax, Inc.
State: TX

Complaint narrative:
Subject : Urgent : Request for Assistance and Resolution - Account Number XXXX Dear [ Car Max Finance Representative ], I trust this message finds you well. I am writing to bring to your attention a matter of utmost concern regarding my ongoing attempts to coordinate the retrieval and closure of my account associated with the XXXX XXXX, identified by account number XXXX. 

Despite my multiple attempts to communicate and facilitate the pickup of the vehicle, I have encountered evasive and uncooperative behavior from Car Max Finance representatives. Of particular note is the fact that my loan account, contrary to explicit instructions provided, remains open. 

The conduct exhibited by Car Max Finance throughout this process has been disappointing, characterized by rudeness and disrespect. Furthermore, the persistent refusal to facilitate the closure of the account raises serious concerns and may be viewed as violations of the Uniform Commercial Code ( UCC ). This ongoing situation appears to involve elements of business fraud. 

In light of the aforementioned issues, I am seeking a prompt and amicable resolution to this matter. I kindly request your immediate attention and assistance in addressing these concerns in accordance with the applicable legal standards. 

I appreciate your prompt response and cooperation in bringing this matter to a swift resolution. 

Sincerely, XXXX XXXX XXXX [ Account XXXX : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: IL

Complaint narrative:
I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I been on a XXXX disaster forbearance since XX/XX/2023. My eligibility is based on my place of business/employment was negatively financially impacted in the county of XXXX CA XXXX Zip code XXXX. My primary residence is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. The property XXXX mortgaged with XXXX is located in XXXX XXXX XXXX XXXX XXXX over. My investor is XXXX XXXX, it's one of their qualifying criteria to be on a forbearance plan for up to 12 month. 3 months into my plan I called in on XX/XX/2023 to ask for an extension. I received no reply back until XX/XX/2023 when XXXX served me a notice of default. Then on XX/XX/2023 I called XXXX loss mitigation to check on my status the customer service rep said my loss mitigation case is closed with no reason or explanation given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: WV

Complaint narrative:
I have attempted for several months to obtain documentation from my original loan so that I can ascertain what rights and responsibilities I have and repayment/discharge options are available. I have been unable to submit documents to Nelnet through their website although the site states this is possible. I have tried to call and can never get through, lines always state at least XXXX min to wait. I have written without reply. I was unable to download documents for deferment or hardship options and had to go to student loan website to get the documents. I do not know if my loans should have been XXXX as I graduated in XX/XX/2020 and believe my repayment status was income contingent. As of the time I graduated I have not had a job that required me to make payments because of my income and my loans never went into default. I believe that Nelnet is intentionally attempting to put my loans into default and ruin my credit, I was either on a hardship or deferment or Covid or whatever. If Nelnet did not have the resources available to responsibly handle the accounts they " manage '' they should not have taken them. My loans are 23 years and a XXXX payment is a payment nonetheless in respect to loan forgiveness. It is due to no fault of my own that I have been subjected to the poor employment history I have had to live with despite my education. Nelnet appears to only service the repayment side of the loans, not servicing them in a manner that is fair and does not put their clients in a hardship or default situation. If you can't contact your loan servicer what good are they.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I applied for an extension of credit for an auto loan with Navy Federal Credit Union on XXXX as well as XXXX and was denied. I was discriminated against according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c. I made the auto loan request with good faith as I am a credit worthy applicant and my rights were violated by this organization. 

This creditor has broken the law and is in violation of 15 U.S. Code 1642., U.S.C 1681m and 12 cfr 1002. I have contacted this company to let them know I was denied credit. I have sent messages to Navy Federal Credit Union representatives stating that my rights were violated, they have responded back REFUSING to acknowledge that the law is not being followed by them, to address the issue any further or extend me the line of credit that I am asking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: CA

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Experian, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Experian has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Experian on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Experian has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Experian and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Experian, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Experian to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,

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 2023-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
In XX/XX/2023 Nelnet which processes the TPD discharge for the Department of Education notified me that my loans would be forgiven under the automatic TPD discharge since I am a 100 % XXXX by the XXXX. I notified Nelnet in writing on XX/XX/XXXX that I wanted to opt out of the automatic discharge since I was still in school as well as Speaking to a representative and telling them NOT to process my TPD discharge. Due to some error Nelnet processed my TPD discharge and discharged my loans. My loan servicer XXXX still hasn't been notifed by Nelnet that I had opted out of the TPD discharge and that my loans need to be reinstated. As you can see from the supporting documentation I received a letter from Nelnet telling me that XXXX would reinstate my loans but they have not fixed this error. I am unable to get loans from my school since after receiving a TPD discharge I have to have a physician letter saying I am not XXXX but that is not possible as I am a 100 % XXXX Veteran. I have reached out to Nelnet and they informed me that XXXX needs to fix the XXXX loans and reinstate them. I contacted XXXX and they notified me that Nelnet still hasn't sent them anything regarding the TPD cancellation as of XXXX. Without the pell grant and Federal loans I will be homeless if there is a lapse in my loan eligibility before my next semester begins. The incompetence shown by the Nelnet TPD discharge department has caused me undue stress and exacerbated my mental health issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: EQUIFAX, INC.
State: MO

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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to seek clarification and verification regarding the reported late payment associated with my CAPITAL ONE account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation
State: IN

Complaint narrative:
Earlier this morning I received the phone call notifying me that I owe them from a debt that they bought from a personal loan company. I notified then that I do not have the money to pay and have no means to do so, I told them to put me on the Do Not Call List and they notified me that they would still contact me and hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX Chase Bank accepted a 3rd party check in the amount of {$2500.00} That was Endorsed and Signed and deposited Completed Said there would Be a hold and Funds would be available October 5th 10 days for funds to Clear On XX/XX/XXXX the funds Clear and are available for use But XXXX use funds and now accounts Restricted so I contact the customer service for Chase and was told the third party had to be verified which there third party verification database they're trying to verify with phone number for the third party and if the third party does not have a number in the system it will not verify them I tried to go into a local branch with the third party to identify with ID they would not accept also try to have the third party on the phone with me talking to customer service they would not verify that way either I was later then told that I had XXXX grace period or the account would be restricted and closed well and XX/XX/XXXX they close the account with the remaining balance of {$2500.00} when contacted the customer service for Chase after receiving a letter from Chase regarding the closed accounts and what Debit XXXX  standed and meant on my statement was told account closed and Funds Would Not be Sent out VIA it was a XXXX party check That they can't verify so they can't send me my Funds from account even though check was cleared and deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NY

Complaint narrative:
Somebody stole my identity and has been using my information to open credit cards and get loans for cars and personal consumer loans I put a credit freeze with all three credit bureaus and somehow this person has already made an account with XXXX so I dont know if they lifted the freeze with XXXX but I cant access XXXX obviously because this person already has an account with them and our information doesnt match so Experian doesnt let me access account online nor do they give me access over the phone

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 2023-11-14 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:
Somebody stole my identity and has been using my information to open credit cards and get loans for cars and personal consumer loans I put a credit freeze with all three credit bureaus and somehow this person has already made an account with XXXX so I dont know if they lifted the freeze with XXXX but I cant access XXXX obviously because this person already has an account with them and our information doesnt match so XXXX  doesnt let me access account online nor do they give me access over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: GA

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. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief