vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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:
I have reached out to Transunion in regard to this matter. These accounts and inquiries listed below do not belong to me. According to 15 U.S.C 1681 section 602 A. it 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. Delete these invalid accounts immediately, unless you want to be held {$1000.00} per violation. I did not give any XXXX permission. 

Account Name : 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 XXXXXX/XX/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 2024-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: HI

Complaint narrative:
I have discovered that the past XXXX payments I have made towards my student loan has been 100 % applied towards interest with none going towards the pay down of my principal balance. Accrued interest is 3 % of my total balance yet the representative stated that none of my payments will go towards the principal until all of my interest is paid off. I feel like this is unfair as the creditor can continue to charge me at a higher principal balance. 
Loan servicer is Sloan Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: WV

Complaint narrative:
I paid off my loan ammount and have a letter from the company and have been contacting them to update my credit report and they will not do so.

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 2024-07-30 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: WV

Complaint narrative:
I paid off my loan ammount and have a letter from the company and have been contacting them to update my credit report and they will not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am in an settlement CASE NUMBER i applied in XXXX XXXX of this year XXXX XX/XX/XXXX now i get a letter from XXXX XXXX XXXX number XXXX on XX/XX/XXXX XXXX post dated XX/XX/XXXX stating that I had a verixon account from cell co partnbership and a balance due 610.79 i would have paid with the settlemtn and any additonal money owed to me from the settlemnt findings. 

I contacted XXXX and XXXX CO and they refuse to amidt that i was removed from the listing and the settlemnt to dispute and repay monies due. 

I am also in two bankruptcies XXXX XXXX XXXX XXXX XXXX VA case XXXX XX/XX/XXXX page # id XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX case XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last XXXX I mailed XXXX checks to my business supplier in XXXX, California from XXXX, CA. Somewhere, while in the possession of the US Mail, my checks disappeared. One of those 2 checks went through my corporate business bank account twice on XXXX XXXX, XXXX, in the same exact amount of {$4800.00} but with a different name in the Pay To The Order Of area. It was then that I realized we were a victim of check fraud totaling {$9700.00}. Chase is the bank that cashed those checks on the same day. It was done by check washing and mobile deposits. I filled out the affidavits requested by the cashing bank and gave all supporting documents necessary. It has been 10 months since I filed a fraud report with the assistance of my bank and we still have not received our money back. My banker is telling me that they keep contacting Chase Bank and that they are not responding properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I received a notice exhibit 1 in uploads, from Caine & Weiner dated XX/XX/year> claim they are a debt furnisher, this letter didn't advise me that I could dispute or how to dispute and it was very vague. Within ten ( 10 ) days of the date of their letter the debt collector updated this negative item to all three consumer reporting agencies. This update took place on XX/XX/year> and it was done without my written or verbal consent. Their initial letter didn't give notice that I could dispute their collection, nor did it provide the option to opt out of their communication and furnishing. 

Caine & Weiner violated my rights and the laws of the FDCPA, first by NOT obtaining written permission to furnish information pursuant to 15 USC 1681 ( b ) ( 2 ). The second violation was pursuant to 15 U.S. Code 1692g, as they did NOT send me the required written communication within five ( 5 ) days of the original letter furnishing the five ( 5 ) required information below : ( 1 ) the amount of the debt. ( 2 ) the name of the creditor to whom the debt is owed. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

After an alert from my XXXX monitoring account that this was updated to my consumer report, I sent a cease-and-desist letter ( uploaded copy ), as well as a validation of debt letter ( uploaded copy ) to Caine & Weiner dated XX/XX/year> with USPS tracking number XXXX XXXX My letter addressed the violations above and it demanded they remove this item from my consumer report as well provide. I have now received another notice from then dated XX/XX/year> ( exhibit 2 in uploads ) stating that my account with XXXX insurance has been listed with their company for collections. This second notice from Caine & Weiner still doesn't meet the five mandatory points listed above pursuant to 15 U.S. Code 1692g ; nor did the most recent notice provide tall of the information I requested in my validation of debt letter. This isn't acceptable as they clearly have already violated the FDCPA regulations and have now harmed my character and any chances of me obtaining credit for personal improvement in my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-07-30 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: KS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: Porsche Financial Services, Inc.
State: MD

Complaint narrative:
Porsche Financial Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Debt and Cease-and-Desist Notification Dear XXXX XXXX XXXX, I am writing to formally request validation of the debt referenced in your recent communications and to demand that you cease all further communications and actions in this matter. 
XXXX. Request for Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ) and in accordance with the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please be advised that merely sending statements is not considered sufficient evidence of the debt in question. I request that you provide a detailed validation of this debt, including but not limited to : The original loan agreement or contract. 
A detailed breakdown of the debt amount, including principal, interest, fees, and any other charges. 
Proof of the current owner of the debt, including any transfers or assignments.

Documentation verifying that you have the legal right to collect this debt.

Please provide this information within 30 days of the date of this letter. Failure to provide adequate validation will result in the cessation of any collection activity and removal of the debt from my credit reports.

2. Cease-and-Desist Notification : Effective immediately, you are hereby instructed to cease and desist from any further communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, and any form of communication. Furthermore, a consumer report is also considered a form of communication. Therefore, I request the immediate deletion of any and all references to this alleged debt from my credit reports. 
3. Potential Costs and Legal Action : Please be advised that if you do not comply with this request, I will consider taking legal action to protect my rights. The costs of litigation and potential damages for harassment and abuse may include : Legal Fees : {$300.00} per hour ( estimated 10 hours ) = {$3000.00} Court Costs : {$500.00} Potential Damages : Varies, but could be substantial depending on the nature of the violation. 
This results in an estimated potential cost of {$3500.00}, not including any additional damages or fees awarded by the court. 
I trust you will handle this matter with the seriousness it deserves. I expect to receive confirmation of your compliance within 15 days of the date of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I paid my chase closed card account, leaving a balance of {$0.00}. These greedy sharks charged me {$67.00} of interest!! Even with my interest rates of XXXX %, they overcharged me by XXXX times the amount they are allowed ( my current balance of {$0.00} ). They refuse to take this off stating that Chase is acting lawfully in charging me for the interest PRIOR TO MY PAYMENT OF {$4000.00}. I paid before my due date, but they want to XXXX us dry of all money we have. I hope its not only XXXX they treat like this. I sense religious and XXXX discrimination practices. The supervisor on the phone also said they are doing this lawfully, when XXXX has fined them millions of dollars for shady practices like this upon the American people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/year>, I discovered that I was the victim of identity theft. On XX/XX/year>, I registered for an Experian account in order to request a security freeze and a fraud alert. When I logged in, I got a message that said I needed to call to complete the request. When I called the number provided, I went through an elaborate phone tree only to get an automated message saying that I had to submit the request online or via mail. The automated phone tree " person '' kept repeating that I could not talk to a person and eventually hung up on me. 

I can not request the freeze online or via phone, and it is impossible to speak with a live human, so the only other option is to request a freeze via mail. I live in XXXX and the mail will take at least XXXX weeks to arrive at Experian ( note : I am not willing to pay over {$100.00} to have it sent express because Experian created this problem ). That is XXXX weeks where my credit report is left exposed to more potential fraud. The other XXXX reporting agencies allowed me to do a freeze online in a matter of minutes.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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 2024-07-30 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: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted XXXX and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE : Non-Compliance with FCRA XXXX Dear TransUnion, You have willfully and negligently failed to comply with the FCRA requirements by continuing to report inaccurate, incomplete, or unverifiable information and failing to delete such information. Please see the attached dispute notice, along with a copy of my recent consumer report. The report includes the disputed inquiries and the inaccurate, incomplete, or unverifiable information that appears on my TransUnion report, which I have highlighted/circled for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-07-30 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-07-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
The following info is the result of past and ongoing ID THEFT issues. 
Please remove and or block Immediately upon receipt of this letter. 
Per the FCRA if the disputed info can not be confirmed or proof provided to me that I supposedly opened these accounts and made these inquires then they have to be removed! The info is FRAUD and I demand that the following be removed! EQUIFAX ACTS AS IF IM LIEING ABOUT THIS FRAUD AND WILL NOT PROVIDE ANY PROOF OF ANYTHING. EVERYTIME I REACH OUT TO THEM VIA PHONE I GET SOMEONE IN A CALL CENTER OVERSEAS WHO SPEAKS BROKEN ENGLISH AND REFUSES TO HELP ME AND BASICLY ACCUSES ME OF LIEING! WHY CANT EQUIFAX TAKE FRAUD SERIOUSLY? 
XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-07-30 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: CA

Complaint narrative:
last month i took a look at my credit report and i found out that i had some accounts that where opened fraudulently. I contacted the bureaus and did exactly what they told me to do but they havent removed the accounts caused by fraud.

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 2024-07-30 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:
last month i took a look at my credit report and i found out that i had some accounts that where opened fraudulently. I contacted the bureaus and did exactly what they told me to do but they havent removed the accounts caused by fraud.

Company response to consumer: Closed with non-monetary relief