vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Reporting wrong information on my credit report 15 USC 1605 Equal Credit Opportunity Act 15 USC 1635 Truth in Lending Regulation Z Act 15 USC 1662 ( 2 ) -No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Reporting wrong information on my credit report 15 USC 1605 Equal Credit Opportunity Act 15 USC 1635 Truth in Lending Regulation Z Act 15 USC 1662 ( 2 ) -No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Reporting wrong information on my credit report 15 USC 1605 Equal Credit Opportunity Act 15 USC 1635 Truth in Lending Regulation Z Act 15 USC 1662 ( 2 ) -No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

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 2023-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Klarna AB
State: CA

Complaint narrative:
I switched banks and had one of my payments fail, after the field payment, I paid off all of my debt with Klarna. Yet even after paying everything off, I cant make any purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and found several unauthorized inquiries. I did not give written authorization or verbal consent to any of these inquiries and would like them deleted immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC
State: OR

Complaint narrative:
Received a call from D2 Management from XXXX on XX/XX/23 @ XXXX a woman identified as employee of the company she confirmed my first and last name and proceeded to give me the last four of my SSN unprompted. She disclosed personally identifying information without proper verification. Then when asked for referral # and original acc # for validation of debt she proceeded to offer to collect on amt owed and not provide information as requested and insisted this was for me and proceeded to give me my ENTIRE SSN, again unprompted as my call was on SPEAKER PHONE anyone could have heard this! I insisted on the information I requested to validate the debt and ended the call. The way the rep spoke to me was abusive trying to use my personal information as a weapon to scare me into paying a debt that happens to be in my name. This is a violation of personal information that could damage my identify if given to anyone that says they have the same name!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: FL

Complaint narrative:
I GOTTEN A LETTER FROM CREDIT MANAGEMENT WITH ACCOUNT NUMBER XXXX BALANCE XXXX OPENED FRAUDULENT IN MY NAME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have a venmo account, I was reviewing my transaction history and I misread some transaction and so I submitted a dispute, right when I had submitted it I realized I had misread the date and then I get a notification from venmo saying they locked my account, I told them the mistake and have proven my identity to them but they still have my account and my money locked and they will not release my money or let me close my account, I need this money and they are telling me I need to wait seven business days and this is just plainly unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 


Account name : XXXX Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
We recently moved out of an apartment on XX/XX/2023, prior to that we had submitted all final payments and were notified by the apartments we were all set and nothing else was owed. I did not give the apartment our current address and had the mail forwarded elsewhere, so I am uncertain how my current address was obtained. On XX/XX/2023 I received a letter from I.Q. Data International , Inc. is trying to collect a debt I owe of {$550.00} to the apartment. I sent a letter back on XX/XX/2023 requesting information from the debt collector on what this debt is, the itemized receipt, how and why this was sent, and how come the other people residing in the apartment did not receive this letter as well. I have not heard back from them until XX/XX/2023 when they sent another letter with interest added of {$2.00} to the original debt. I arrived at the apartments today, XX/XX/2023, and was given a ledger of our account prior to moving out that reflects a balance of {$0.00} owed as of XX/XX/2023. I have not heard back from these so-called debt collectors and the {$550.00} is nowhere listed in the apartments system that I saw. I can attach all necessary documentation showing I do not owe this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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:
This complaint pertains to Chase Bank. I have had accounts here for 20 years. Two weeks ago, the bank updated my primary address to my residence and made the mailbox address I've always used as the secondary address. Since then they have frozen all of my accounts " pending review. '' The banker at my branch has made written complaints within the internal bank communications system, but has been told that the " compliance '' department is reviewing this and that there is no means to reach that department. The purported reason for locking my accounts is that they need to verify that my name and residential address match my account profile, which three bankers have confirmed that it does. I have a substantial amount of money deposited here in checking accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
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 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 


Account name : XXXX Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX  Account XXXX has violated my rights. Or 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
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, 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: 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. 


Account name : XXXX Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
At the end of our auto lease, we received a bill from Nissan to collect the personal property tax bill they paid, but it included time after the car lease had been terminated. 

We called several times and repeatedly were told the issue was being investigated and that once it was determined how much we owed, we would receive an updated bill. We never received a bill or any follow-up attempts from Nissan to let us know what we owe and give us an opportunity to pay them. 

Today, I received a collections notice for the amount owed from XXXX. 

After the several follow-up attempts in early XXXX, we followed the guidance provided to wait for the updated bill to arrive, which we never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I was never late on the paid off accounts listed below. Please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete the alleged late payments from my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX 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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I was never late on the paid off accounts listed below. Please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete the alleged late payments from my credit report. 

XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I leased a XXXX XXXX in XXXX, the account was finalized in XXXX and paid in full, XXXX just reported 2 late payments in XXXX for an account that is closed and paid in full.

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 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to the fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( XXXX ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MI

Complaint narrative:
I borrowed XXXX from Sallie Mae in XXXX. 

XXXX I filled for XXXX XXXX bankruptcy and listed Sallie Mae as a creditor. I made it clear that this lender was a priority due to the high XXXX interest rate. 

XXXX of XXXX I sold my home to pay all off all of my debts in full through the bankruptcy. 

XX/XX/XXXX I received a loan statement from Sallie Mae sent a statement that stated I owed them XXXX and that my XXXX payment was due on XX/XX/XXXX. 

When I asked my attorney what happened he said Sallie Mae did not file a claim, effectively taking them out of the bankruptcy and all the laws designed to protect a consumer. Their failure to file a claim removed thems from any payments from the trustees that would have reduced and ultimately repaid the loan in full. 

This is a predatory lending practice so a lender can continue to accrue interest on a loan and force the borrower to pay a much higher loan after bankruptcy. In this case nearly double the amount borrowed. 

None of this was disclosed to me by my attorney or Sallie Mae before or during the bankruptcy proceedings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i was never late on the Paid off Accounts listed above. Please show me documents showing proof of transaction, showing i was ever late to support your inadequate reporting on my account. If you can not supply this please delete these late payments from my credit report. These are invalid late payments. FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Carvana Group, LLC
State: ME

Complaint narrative:
Carvana lied about my contract terms, the XXXX registration and problems they didnt report with the car. Also my extended warranty didnt cover any issues the mechanical deem preexisting. I cant get any help wit from them and I cant even get a copy of my contract to have a lawyer go over it

Company response to consumer: Closed with explanation