vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of this receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Athena Bitcoin Inc
State: GA

Complaint narrative:
I requested information from ATHENABITCOIN services that they confirmed they have and would provide for me. They still have not provided the IMPORTANT INFORMATION and is screening my calls. Instead of just simply providing me with the information as said they are simply neglecting to provide customer service. The information being withheld is causing great hardships and inconvenience. They even answer the phone not say anything and hang up I have recordings. They have recordings and I have email that they requested from me to get me my information. XXXX. Is the number on the account with Athena. The initial contact made with Athena I was assured BY the agent that they would PUSH this SIMPLE request through immediately because of the urgency of the situation. They have failed miserably to uphold any business standards. Are they hiding something? Why arent they producing the ACCESSIBLE information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
I HAVE REACHED OUT TO XXXX, TRANSUNION, XXXX ABOUT A COLLECTION ON ALL MY CREDIT REPORT .ORIGINAL XXXX XXXX IN COLLECTIONS WITH XXXXXXXX XXXX IS REPORTING. THIS ACCOUNT DOES NOT BELONG TO ME I HAVE SENT FTC REPORT ALSO A POLICE REPORT AND THEY ARE STILL REPORTING THIS TO MY CREDIT. THIS HINDERING ME FROM BUYING A HOME, JOB OPPORTUNITIES AND MUCH MORE. THIS A DEFLAMTION TO MY CHARACTER. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
I HAVE REACHED OUT TO XXXX, XXXX, EQIFAX ABOUT A COLLECTION ON ALL MY CREDIT REPORT .ORIGINAL UPGRADE NOW IN COLLECTIONS WITH XXXX FUNDING IS REPORTING. THIS ACCOUNT DOES NOT BELONG TO ME I HAVE SENT FTC REPORT ALSO A XXXX  REPORT AND THEY ARE STILL REPORTING THIS TO MY CREDIT. THIS HINDERING ME FROM BUYING A HOME, JOB OPPORTUNITIES AND MUCH MORE. THIS A DEFLAMTION TO MY CHARACTER. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency XXXX furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit 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 non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
Requested Hyundai Finance to expediate the process of getting state title transfer from TX as I only have 30 days to register my car and get new plate under law in WA once moved. They mentioned it will take minimum XXXX weeks and refuse to expediate after calling numerous times, mentioning their system will not be able to override and refuse to provide an alternative solution to the urgent issue. 

I am also requesting this for my protection to show in case Hyundai Finance continues to postpone and was unable to provide state title to my Vehicle registration office at XXXX XXXX and Services in XXXX, WA on time. Just in case I get tagged for the {$520.00} minimum traffic fine as a resident and did not license my vehicle in WA due to this delay. 

I submitted the formal request for state title transfer under Hyundai Finance portal on XX/XX/2023, and now only have XXXX more week until the 30 day limit is up. Attached is what the current status is showing which is still XXXX weeks process time until they will be able to transfer state title which is too long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have been on hold for over 1 hour trying to ask Nelnet to switch my graduated repayment plan to a standard repayment plan. There is no option for a call back or information on how long you will be on hold ( it said Estimated wait time is minutes, without specifying how many ). XXXX, on XXXX and XXXX, it seems hundreds if not thousands of others are having the same problem. This is a federal loan and they have been hired by the federal government to manage it, I did not choose to work with them. Their inability to manage their customer service is concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I deposited a written check on XX/XX/XXXX for the amount of {$7500.00} into my personal CapitalOne checking account. This check was a gift from my step mom ( payor ) and she was giving me access to money she has put aside for some time. The check was filled out properly, and had her unique signature on it. I deposited the check via the mobile app and uploaded photos and was told I would not have access to the funds until XXXX. Two days later on XX/XX/XXXX I received an email from CapitalOne saying that my account was restricted until they could verify my recent account activity. I called the CapitalOne customer service number and was transferred to their protection team. At the end of the first conversation after answering multiple of their questions I was told that CapitalOne decided to not do business with me anymore and will send me any money in my account that was 'deemed ' mine. I had a few other conversations with different representatives on the following days on XX/XX/XXXX and XX/XX/XXXX, in one of those conversations they spoke with the remittor of the check and she verified she wrote it, but the CaptialOne representative said that they needed to know that the payor 's bank ( XXXX ) would honor the check. The payor went to a XXXX branch and spoke to a manager and received a typed letter saying how XXXX has lifted restrictions on her account and they would honor any payments if they were deposited again. When I called CapitalOne to inform them that everything was good on XXXX 's end I was told that it didn't matter, what's done is done, and the investigation was still ongoing with my accounts frozen. On XXXX I emailed a scanned version of the letter from XXXX to CapitalOnes direct email. I got denied for a checking account by multiple other banks due to Capital Ones investigation, and I am worried on how I will be viewed on XXXX. CapitalOne never tried to call or reach out to me prior to them closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I ordered food from XXXX in XXXX the end of XX/XX/2023. They delivered a partial order, missing a sandwich. XXXX is useless because there is no one to speak to, only the app. 

Capital one gave credit for the missing item. Ubereats later rebilled THE ENTIRE amount in XXXX, which I again disputed. 

This continues to happen repeating itself for about 6 times. 

The disputes department in Cap One must work on " production '' because it's obvious within these chargebacks they don't pay attention to the details and have reversed the chargebacks on their own. 

The amount is almost XXXX XXXXXXXX ( it fluctuates because the purchase was made in XXXX ). 

I've spent numerous hours on the phone and emails to resolve a XXXX XXXX  problem, am I the fool or is this by design in the banking systems... ..run us around until we give up? 

Hopefully this can be resolved once and for all, I've cancelled my XXXX account and previously written to the CEO of Cap One, which I thought would would be the final resolution, I was wrong. 

Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was in a very uncomfortable situation on XX/XX/2023 and was vulnerable with sharing my personal information with Regional Manager in Central Florida ( XXXX XXXX ) and his assistant XXXXXXXX were slow to respond and disrespectful after I was about a situation in XXXX. I'm not sure if he actually spoke with the Fraud department at Truist and he informed he would do his best to help. This was the supposed claim number XXXX XXXX XXXXXXXX ) for my checking  account ending in XXXX copied directly from the Truist email on XXXX XXXXXX/XX/XXXX at XXXX XXXX. I received a phone call the following XXXX afternoon with an unhelpful answer and abrupt demeanor. 

I even brought this information to a local XXXX XXXX XXXX agency who suggested I contact XXXX in XXXX who referred me back to the local XXXX XXXX. 

Since this situation in XXXX, I have needed to contact Truist multiple times for password resets since their website is so unreliable as is the application on my phone after reinstalling it multiple times and I was referred to their 800 number ; XXXX where I have to start fresh and explain again who I am. Some attempts are twice in XXXX day as an example on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and more recently this week, XXXX. 

XXXX XXXX XXXX in XXXX XXXXXXXX XXXX on XXXX XXXX lied to me in person to get me out of their office and I hope this document is not a waste of time and I plan to close my account as soon as I can. I was blamed for my name being spelt wrong in the XXXX branch by a female manager.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
I HAVE REACHED OUT TO EQUIFAX XXXXERVERAL TIMES THROUGH CERTIFIED LETTERS, PHONE CALLS.THEY STILL HAVE NOT DID ANYTHING TO RESOLVE THIS MATTER .ORIGINAL CREDITOR UPGRADE NOW IN COLLECTION WITH XXXX XXXX XXXX HAVE A REPORT FROM LAW ENFORCEMENT, FTC REPORT THAT I SENT THEM.THIS MATTER IS HINDERING ME AND CAUSE A GREAT DEAL OF EMTIONAL STRESS. I AM TRYING TO BUT A HOME I HAVE LOST JOB OPPORTUNIES. THIS IS DISTURBING MY LIVELIHOOD.THIS DEFLATION OF CHARACTER AND AGAINST THE LAW.In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit 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 2023-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: UT

Complaint narrative:
On XX/XX/2023 I learned that I was locked out of my Credit Karma account. My email and password had been changed without any steps to verify identity. I know this because I could still do this step after I gained control of my account on XX/XX/2023. 

The same day, I asked for them to remove all funds from my XXXX XXXX savings account and to delete my account upon completion of the transfer. I have received no response. 

I attempted to contact customer service and they said they had not received a response from me for XXXX weeks so they closed the matter, despite me having proof that I last responded and they sent XXXX response. 

I have since tried contacting them again and receive no response, and even their customer service chat line says they can not help me and they disconnect immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. 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 explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio recovery called someone and that person pretended to be my wife, which I am not married, and they gave them all of the information about my debt which is unauthorized, so that is a breach of private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I ASKED AMERICAN EXPRESS ( AE ) FOR A PLACE TO GIVE INFORMATION ON INVALID EXPENSES ON MY CREDIT CARD. THEY GAVE ME AN INVALID WEB ADDRESS. WHEN I ASKED THE SECOND TIME, THEY GAVE ME ANOTHER INVALID WEB ADDRESS. THE THIRD TIME I REQUESTED THE INFORMATION, I WAS UNABLE TO USE MY LOGON TO GET INTO THE PLACE TO GIVE THE INFORMATION. THIS HAPPENED AGAIN. I WANT TO GET MY BACKGROUND IN THIS COMPLAINT. I HAVE A XXXX XXXX FROM XXXX XXXX XXXX XXXXXXXX AND BECAME A XXXX XXXX AND WORKED ON THE CLASSIFIED XXXX XXXX XXXX. THE REPLY FROM AE CAUSED ME TO NOT TRUST THEM. I STILL DO NOT HAVE A VALID ADDRESS TO GIVE AE THE INFORMATION ON THE INVALID EXPENSES ON MY CREDIT CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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