vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
I received a letter on XX/XX/year> stating my dispute was fraud, frivolous, or irrelevant. My husband received the exact same letter the same day! All of my letters were my words ( not a credit repair company ). I included additional supporting documentation regarding my dispute with very detailed reasons why it should be deleted from my report immediately. It was signed with a wet signature. 

Provide proof of what makes you think my dispute was fraud, frivolous, or irrelevant. 
I request you send my original letter back to me with an explanation of how you came to this conclusion. 

Your letter failed to identify which dispute this is regarding in a manner I could interpret. File number XXXX does not help me find which dispute needs to be resubmitted Your letter failed to inform me of what additional information is needed ( see FCRA 611 ( 15 U.S.C. 1681I ). 

I received an email from XXXX not a letter.

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 2024-04-10 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: NJ

Complaint narrative:
I applied for the XXXX plan on XX/XX/XXXX, but was not approved until in or around XX/XX/XXXX- I received no official documentation of this. From XX/XX/XXXX until my first payment became due on XX/XX/XXXX, I received periodic emails that I was placed in administrative forbearance while my XXXX application was being processed. My payment start dates were routinely pushed back for this reason. I did not request any forbearance, it was applied automatically. The XXXX DOE website provides in a XX/XX/XXXX press release that " The Department has directed servicers to place all affected borrowers into administrative forbearance until the problem is fixed. In the meantime, we will adjust to zero any interest that accrues and credit them with progress toward public service loan forgiveness and income-driven repayment. '' I brought this to Nelnet 's attention and was advised that I am responsible for the interest accrued while on administrative forbearance. If I were able, I would have been making payments earlier and the interest above my payments would have been forgiven in accordance with the XXXX plan. My first payment went through on XX/XX/XXXX and Nelnet applied this to the interest that accrued during my administrative forbearance and advised that they will continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX pulled a hard inquiry on my XXXX XXXX that was not authorized by me. 

Then again on XX/XX/XXXX Capital one pulled another additional hard inquiry on my XXXX XXXX again not authorized by me- spoke to agent from capital Id XXXX on Wed XX/XX/XXXX name of agent : XXXX says denied due to fraud and updated the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivable Recovery Partners LLC
State: IN

Complaint narrative:
I received an alert that something had reported to my credit. As I reviewed my credit with XXXX, there was debt for {$940.00} Date Opened XXXX with Receivable Recovery Partners. I disputed this debt on XXXX and received notice back that the debt remains. I called Receivable Recovery Partners at XXXX and asked for the name of the company that submitted this debt to them. I was supplied with the name of XXXX XXXX  XXXX. I do not know who that is so I attempted to call them with the telephone number listed on XXXX of XXXX. I attempted to call them on XXXX. When you contact the above # for XXXX XXXXXXXX XXXX it goes to a recording stating that someone from their billing department will be in contact with you, to please leave your name and telephone number. In which I left a voicemail each time I called them. I have yet to receive a call back from the " original creditor '' to validate this debt. I called Receivable Recovery Partners back on XXXX and asked again for the creditors information to be sent to me. The person supplied over the phone that this was billed through XXXX XXXX XXXX. I then called XXXX XXXX XXXX XXXX department on XXXX and was told I do not have outstanding debt in that amount and that they do not bill through XXXX XXXXXXXX XXXX XXXX I was told to call XXXX XXXX XXXX XXXX I called XXXX XXXX billing XXXX and they confirmed there are no outstanding debts in that amount they referred me to call XXXX. I attempted the # they supplied and it just rang, no one answered and there was no option to leave a voicemail. I have attempted to XXXX additional contact information for XXXX XXXXXXXX XXXX, I have called XXXX ( they referred me to the XXXX # ). I do not know what else to do. I can NOT get in contact with the " original creditor '' to verify validity of this debt and its affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
XXXX XXXX XXXX Casino XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : TD AUTO FIN | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX  XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX AUTO | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX AUTO | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I applied for XXXX credit card XXXX. This card is issued by synchrony bank pursuant toicence from XXXX XXXX XXXX. 
I received a letter informing about denial with reason : request has identity theft risk factors. 
I tried to contact Synchrony bank as well as XXXX to check if there was some error and can I reapply. 
XXXX says contact XXXX XXXX Synchrony bank doesn't know why XXXX app is not allowing to reapply even after 30 days of last application. 
I think it is unfair to deny credit application without proper justification.. also reapply option is not working. It says application already denied

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 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
PLEASE UPDATE PHONE NUMBER XXXX XXXX XXXX. 
On XX/XX/2024, there were fraudulent deposits made into my account by a guy committing fraud, per the bank. The bank had me come in XX/XX/2024 to have me file claims on the XXXX fraudulent deposits. Then the bank gave me replacement account and said all should be good so I will be able to pay bills, etc. 

Friday, XX/XX/2024, I called the bank to ensure it was okay to deposit my XXXX paychecks from working into my replacement account. The fraud department said that is fine for I can deposit and take money over counter. 

I go the bank on XXXX XXXX and XXXX XXXX to deposit the XXXX checks mentioned above and get {$40.00} but I ask the teller if account in good standing. She says yes, depsoit funds and gives me {$40.00} cash. 

Yet, on XX/XX/2024, I go the bank to get cash for lunch and gas but, told I can not access my money because it is on hold. I asked why? They said because XXXX of the fraudulent deposits were transferred into my replacement account. Therefore, I won't regain access to my money for another 3 days on the XXXX. I asked if there was anything she could do and she makes a call but on hold forever and because I was at lunch, I had to leave. 

I call the bank last night and get assistance on how could this happen? The gal explains to me that the bank did transfer those funds and that my money will be available the XXXX but the replacement account will be closed. I advised her that I have been without access to my money for almost XXXX weeks. I then asked her if the bills I paid on the new replacement account were getting paid and she advises me that all my payments will be returned! Naturally, I appreciate her assistance but, was upset because as I said what the purpose in the replacement account? 

Secondly, how can I take money Friday but not Monday? This all makes no sense but no one should be without their money for XXXX weeks when fraud was committed against me. The best part is I found out last night the guy probably use someone else 's account to commit the fraud in mine!!! 

Now today, my creditors are stating that since the payment returned I would have to pay double for car insurance because the policy cancelled so have to pay that and then restart new policy and pay more money. This is not right for the consumer should NOT be penalized. 

Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX disputing these accounts

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 2024-04-10 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: CL Holdings LLC
State: OH

Complaint narrative:
Well over the the last XXXX years i havent been monitering my personal credit i noticed accounts that i did not authourize i reached out to the companies for documentation or showing me any type of agreement signed or giving to them by me they never responded back with any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: KS

Complaint narrative:
I received XXXX Visa prepaid cards last XXXX. I registered them recently and verified that they were XXXX {$300.00} each. I reaasigned a new pin number to each XXXX. I went to use them XXXX/XXXX/2024 at a local XXXX and XXXX went through just fine the other was declined. I called the number on the back and found out the card had no balance and had been used in Texas on XX/XX/2024. I live in KS and have had the physical card at all times. All the company did was deactivate the card and gave me some double talk about nothing and did u have any questions. Well yes I do, how do I get my card back with a balance of {$300.00}? I didn't buy it or get a receipt for it, they were both given to me last XXXX after the death of my mother.

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 2024-04-10 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:
XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Multiple communications with VENMO /Paypal submitted statement of amounts owed that are sitting in the account to be refunded. 

Requested account be closed, they have refused. 
Claim I violated agreement when they violated agreement first by not allowing my support documents to be unloaded by their software. Multiple phone call could not resolve. 

Claimed I was doing something illegal but never produced any evidence of this. holding on to funds even though XXXX days have passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
CREDIT MANAGEMENT LP is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$330.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2024 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/XXXX I was charged XXXX interest for a XXXX purchase from Carecredit. I called Carecredit to see why. I was informed that the interest amount was correct and had been accruing since the purchase on XX/XX/XXXX. I asked how could I have not paid that fee off when I make payments every month. I always pay more than the minimum payment. I was informed by the customer service rep and the supervisor, XXXX, that It was my responsibility to call Carecredit every month and inform them how much I wanted to pay per each charge on my account. I informed the agents that I had NEVER been informed of that and felt that was very deceptive and misleading. They could not tell me why I that had never been disclosed but that I was responsible for that amount. 
I pay my bills every month and this XXXX interest charge on a XXXX charge is unfair and unjust.

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a credit card with Tdbank and when waiting for the card to arrive it never did. I contacted Tdbank and they reissued a card. In XXXX of XXXX  while at the hospital in New York I received a fruad alert transaction in Florida. I immediately checked my credit card to find that there was a few transactions in Florida that were not made by me. I contacted td to let them know that fraud had occurred. Went through all the prompts with their customer service rep. Who advised me that someone from the fraud department will get in contact with me to ask me for proof or anything I can provide to state my case. No one contacted me and right away they said the transactions were not fraudulent due to it being made with my card even though td had sent out 2 cards that were exactly the same and I only received one. 
I filed a second complaint notifying them that they had sent out 2 cards, they also put in charges that I did do this time around and I told them that the card numbers never changed on the account as I checked the account to asked if it was changed after I notified them that I had never received the card. I went down to the bank to send them copies of the hospital information since no one contacted me for more info and the fact that I had used the card that same weekend at the hospital in New York while its being used in Florida at the same weekend. I have not received anything since. I have called back their hotline saying I need it escalated with no more updates or mail or anything sent back. 

When asked to send me info on the second no fraud only received 4 copies of the first fraud case I put in not the second or the escalation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$330.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2024-04-10 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful nonco
mpliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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