vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 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: MS

Complaint narrative:
Around XX/XX/ I decided to take a look at my credit report since it's been a while since I last decided to. And I noticed misinformation/fraudulent information that wasn't associated to me. After that I went calling the companies and to my luck they weren't any help. But to fill out a form and mail it so I did that on XX/XX/ and I assumed that started the dispute process since that's what was now showing on my credit report. So I waited for the about a month or so and got letter from Transunion stating that they did their investigation and that the accounts were removed from my credit report, XXXX needed more information like my ID or passport and my SSN Card and I couldn't provide a new ID because it had my old address on it so I already knew that was going to work since the address on my Driver License was different than the one I was making the claim under, XXXX send me a letter stating that the accounts I disputed were no longer going to be on my credit report. Then around the end of XXXX I was finally able to get my new ID from the DMV so I resent the form and information/Documents they requested another month since I sent that information, so i go check my credit report XXXX had removed the information as they stated but still had misinformation involving personal information, Transunion removed 2 out the 3 accounts and didn't fix any of the misinformation, I didnt get any confirmation letter from XXXX since I sent the documents and they just removed 2 out the 3 and didnt fix the misinformation either so for both the last to its now showing as closed/charge off but is still on my credit and it's effecting my Personal Life/Well-being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
On XX/XX/XXXX money was sent via Paypal Friends and Family to someone we knew to purchase a lawn tractor. It turned out that person 's account had been the subject of identity theft and we were not actually buying a lawn tractor. 

This was reported to Paypal as well as my Bank and Credit Card companies on XX/XX/XXXX. My bank and credit card both had simple processes to speak with a person, explain the situation, and have the transactions blocked- however PayPal appears to have processed the transfers regardless of the notification.

Paypal is now attempting to collect a {$200.00} debt based on a transaction they know was related to identity theft and refuses to resolve the situation.

In short, given that Paypal was notified within 24 hours of the transaction, they had plenty of time to recoup their funds from the recipients account. Instead, they are furthering a fraud and identity theft scheme by attempting to collect debts from it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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 am writing to dispute fraudulent inquiries on my credit report, which I firmly believe to be in direct violation of the Fair Credit Reporting Act ( FCRA ), a federal law designed to ensure the accuracy and fairness of credit reporting. Upon reviewing my credit report, I have identified several unauthorized inquiries that I did not authorize or consent to. 
The FCRA, under Section 604, grants consumers the right to receive disclosure of information in their credit files upon request. As such, I am formally requesting a complete and accurate disclosure of all the information in my credit file, including the nature and details of the fraudulent inquiries, as required by Section 609 ( a ) of the FCRA.

Furthermore, Section 611 of the FCRA allows consumers to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right and requesting a thorough investigation into the fraudulent inquiries in question.

According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I demand that you promptly conduct a diligent investigation into the legitimacy of these inquiries. This investigation should include verification of the authorization obtained from me or any other appropriate documentation proving the legitimacy of these inquiries.

In accordance with Section 611 ( a ) ( 1 ) ( B ), I request that, upon verification of these inquiries ' fraudulent nature, you remove them from my credit report immediately. Additionally, I expect you to notify all three major credit bureaus, namely XXXX, Experian, and XXXX, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. 
I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within 30 days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ).

Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities. 
I have enclosed a copy of my credit report with the suspicious inquiries highlighted for your reference. If any additional information or documents are required to facilitate the investigation, please inform me promptly. 

I trust that you will handle this dispute with the utmost seriousness and in strict adherence to the provisions of the FCRA. I expect a comprehensive investigation and a swift resolution to correct my credit report accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
As many people are hitting on hard times, so am I. I was reaching the point of not being able to make payments, so before I missed any payments I applied for hardshihp status through a Debt Restructering Program and I was approved. One of my debtos was One Main Financial - I removed my Auto Pay, talked to my local branch rep, XXXX, and advised that I had entered the hardship program. I cancelled my autopay in XXXX. I talked with XXXX at XXXX XXXX in XXXX. I explained to her that I had cancelled my Auto Draft, provide my Case # with XXXX XXXX, who is handling my Debt Settlement Case. I advided XXXX that any future payments and communications would be through XXXX XXXX - XXXX took the case number and contact info and did contact GRT Financial to confirm. I had removed my Auto Draft Information from the One Main Financial Portal and talked directly with my representative at One Main Financial. On XX/XX/XXXX, XXXX Main took a payment from my account in the amount of {$300.00}, which caused an overdraft of over {$100.00} and cost me an Overdraft Fee of {$30.00} - I immediately contacted One Main Financial, my branch had already turned my file over to the Main Office that handles these Debt Settlement Cases. I contacted that office at XXXX - and talked with a supervisor there who denied my refund request, using some policy loophole they seem to have in place, saying I did not specifically state to One Main Financial that I wanted my Auto Pay canceled - She also stated they work with XXXX XXXX EVERYDAY ALL DAY - so that tells me she knows and fully understands the process. She claimed XXXX at the Branch did not note that I made that Verbal Request - My argument to her was : I did make that understood, very clearly, that I had cancelled the auto draft, and that all future payments and communications would need to be communicated through XXXX XXXX. Apparently, according to this supervisor, I had to state directly to XXXX - " I want YOU to cancel my auto draft. '' They took unauthorized money from my account, and they claim its my fault because my communication with them did not meet the criteria of their written policy. The fact she acknowledges they work with XXXX XXXX also tells me she knows the legality of that process, and what One Main Financial did by using some verbal loophole is predatory and to my understanding, against the law. I am requesting that One Main Financial reimburse me {$330.00} immediately. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
My business uses XXXX ( will be closing that account after this is resolved ). They in turn using a company called webpay to process transactions. 

XXXX was taken by webpay to be sent to me but all of a sudden they for no reason whatsoever said my account was closed. They have to hold my funds for 120 days and there is no explanation or anyone to talk to. I sent email that was not replied to and this is even worse by closing my account I havent been able to take payment from other paying customers. Please refund me my XXXX. I need this money I have bills to pay that cant wait for this fraudulent company. I need my funds ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX XXXX XXXX  XXXX # XXXX XXXX # XXXX Closed Accounts : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX 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 of 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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX Closed Accounts : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX 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 of 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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: IA

Complaint narrative:
I have sent LexusNexis XXXX requests for my report, XX/XX/XXXX, and XX/XX/XXXX. 
I included a copy of my drivers license, social security card, and a Electric Statement my home address, with my request. Lexus Nexus sent me reply letters stating they still don't have enough information. 
I had no trouble with XXXX, XXXX and XXXX. 

I don't have a printer, so I had to go to the library to copy those items, and I have done enough. I I understand from what I am reading on XXXX, that this is a Stall Tactic because they are behind, thus Lexus Nexis in violation of the FDCPA.. 

Please have them stop reporting my information as follows, and send my a confirmation letter, stating that they have halted reporting my information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you, XXXX M XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
Lazega & Johanson did a hard inquiry on my credit without my consent or authorization and it has negatively affected my credit score and my credit profiles across the board resulting in denials for credit. Ive paid my HOA balance in full and Ive been advised to retain an attorney because of their practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
DATE LAST ACTIVE and DATE OF LAST PAYMENT are incorrect and different on each of the Bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I applied for XXXX XXXX  but Nelnet keeps applying deferment and forbearance to my account in attempt to collect more interest and they avoid all communication and puts their phone on 24 hour hold. They been emailing that save plan is in process. Many people reported Nelnet as well because Nelnet generates wrong bills and avoids communicating. My account should have been ob XXXX XXXX  but they choose to ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase bank has been holding a 3rd party check deposited via mobil app since XXXX and it's now XXXX. As soon as they put the hold on the check they also closed the account. We have done what's asked of us and FAR MORE but continue getting caught in a loop the just doesn't lead to any sort of resolution. First we are told the check need to be verified soon as that gets done then it's said they think the XXXX  check is fake. And after countless days through that process then the money will be in my account in XXXX business days we wait and go through the loop all over again and it has been an absolute nightmare. For check verification the 3 rd part person has bought 4 different phones and went to a local branch with id social security card and birth certificate none of which was enough to " verify '' also XXXX XXXX has asked them to release the check back to them and chase also ignores their requests as well. We have also been told the funds will be put into lost funds and it will take us 2 to 3 years to be able to access it. The XXXX dollar check has cost us more in time off just trying to resolve the situation because they will not let me add my wife to the account so just a phone call requires time off work because when I call i have to verify myself and give permission to speak with my wife a minimum of 4 times PER CALL.. The 3rd party has missed numerous days as well calling the bank and going into our local branch. When u get as high as possible with someone in chase fraud dept I ultimately just get left on hold sometimes for hours and never get to speak to anyone higher. This has been the absolute worst experience of my life time and I will never again bank with chase

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have no knowledge about this loan so it is terribly affecting my credit score and affecting me from getting my own vehicles,, this is the 3rd time Ive made a complaint, how does the company agree if I didnt sign any docs or anything? Ive alredy explained that it was opened without my consent, Im lost after this point

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XXXX of 2023 I mailed a {$500.00} cashier 's check, issued by Chase, to my aunt. The check was stolen out of a USPS mailbox, washed, and cashed. I sent a declaration of unauthorized endorsement to the bank, twice, and Chase has been no help. I call at least once a month and every time I call I am giving a new timeline for results, told that no one is handling my claim, that i must resubmit what I've already mail, and that I can't get a temporary credit. 
I just want my money back and Chase has been careless and useless. I can not get any help or answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: GA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation