vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX - Account # : XXXX, XXXX XXXX XXXX - Account # : XXXX, XXXX XXXX XXXX - Account # : XXXX, XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX XXXX XXXX - Account # : 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 non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
On XX/XX/2022, I was hospitalized due to severe illness. Since then, I have been in and out of hospitals and on long-term XXXX from work. Upon move-out from The XXXX XXXX in XXXX, we were never asked for a forwarding address. As such, they notice of our move-out costs was sent to the address they had on file, which was the same address at XXXX XXXX. Essentially, they mailed the notice to our previous address with them. We called XXXX XXXXXXXX and they confirmed this over the phone, and confirmed they do not have our new address and to expect a callback once they spoke to management. We never received a callback. 

The first notice of the debt received was from National Credit Systems , Inc. and due to being on Long Term XXXX, I am receiving care out of state. So I was first made aware of the " Debt '' from my credit report. We have never had an issue with a past landlord as per our history, and it is clearly evident that The XXXX failed to properly notify us of our move-out fees by failing to acquire our updated address. It is evident that National Credit Systems , Inc. was only able to locate our new address using their capabilities as a debt collection agency. 

Due to the nature of my XXXX, I contacted National Credit Systems , Inc. via email to no response and thus have come to CFPB for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: WI

Complaint narrative:
Nelnet has not processed my new REPAYE application within ten days and sent me a statement with accrued interest ; they state I am still on XXXX. It has taken longer than four weeks to adjudicate this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I gave back a XXXX XXXX XXXX back in XX/XX/XXXX to XXXX of XXXX XXXX. It was given back as a early lease return. Never heard anything back from the finance company, which is Toyota Motor Leasing. I saw on my credit bureau that it is showing as open and current. That I am paying as agreed. That is false. It specifically states that the last payment was made in XX/XX/XXXX. I haven't made a payment since XX/XX/XXXX when the vehicle was returned. This makes it look like I am still driving the vehicle and making current payments. When I contacted Toyota Motor to have them fix the information being reported, they stated that the account is no longer their 's. They sold it to a collection company by the name of XXXX XXXX XXXX XXXX. Never heard of these people. Toyota said that in their records this account is closed and that they can not speak to me at all about it. I have to contact XXXX XXXX I stated to them that if they sold the account to a collection company then how can they still report it as being open and lie saying that I am currently making payments. They stated that would contact the credit bureus to reflect the account as being closed, not open. I asked then to send me the proof. A cancelled check. A debit card payment. Any proof to show that I have been making payments. They never did because it is not true. I have did numerous disputes through all XXXX bureaus to fix this problem. The credit bureaus didn't understand neither why it's showing as open and Pays as Agreed '' when it specifically states last payment made was XX/XX/XXXX. Even that is wrong because the vehicle was given back in XX/XX/XXXX. I need someone to help me. It seems like nobody wants to help the consumer. The creditors are always right even when they are wrong. The credit bureaus don't request any proof when sending disputes. They just send the dispute. Even if the creditor responds back as accurate, they don't ask for proof. So it's like the creditors are correct at all means. This is why there is so much fraud going on. This is why I had a fraud alert put on my bureaus because someone used my information and the credit bureaus did nothing about it. Till this day Toyota has not sent the proof that I am currently making payments. They last reported on XX/XX/XXXX that I made a payment on XX/XX/XXXX. I would like if someone can help me. I have sent over 4 disputes through all 3 credit bureaus. Toyota keeps denying and reporting that I am still making payment. But will not send me proof nor send proof to the credit bureaus. This false information is hindering my life. How can Toyota and XXXX XXXX try to get money from me for the same account. If Toyota sold the account to the collections company then it should be showing as closed on the bureaus, not open. Because it's not open. It should not be showing current payments being made because the last payment was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: CO

Complaint narrative:
Beginning approximately 90 days ago ( today is XX/XX/2023 ) and continues daily. Elan financial calls my cell phone 2-6 times per day. Sometimes before XXXX and after XXXX XXXX. Try to answer repeatedly, say hello several times before being hung up on every time. Tried to return the calls and I am required to give an extension number that I do not have I have 2-3 accounts that are managed by Elan. I have no way of knowing which they are calling about

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 2023-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I called XXXX XXXX XXXX XXXX to verify why is this on my credit report i never lived in ohio and its affecting my credit they wanted my ceedit card information and i refused they started cussing me out on the phone I realized this is a scam and they do not want to remove this off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I had an auto loan with XXXX XXXX that matured on XX/XX/XXXX. Due to having deferments on the account, I still owed a balance. I had continued to pay as agreed, and have never gone 30 days past due on making a payment. I called XXXX XXXX and spoke with a manager on Tuesday XX/XX/XXXX, as well as Thursday, XX/XX/XXXX due to a payment I had made on XX/XX/XXXX, not properly reflecting on my online transaction history. I was advised that due to the loan maturing, that the next payment date would not reflect online. I specifically asked the manager during both calls, if this would result in being past due with the credit bureaus. During both calls, a manager specifically responded and stated that the loan has simply matured, and that I should continue to make payments as agreed. This is what I have done, however, XXXX XXXX is reporting to the credit bureaus as of XX/XX/XXXX that I am 30 days past due making a payment on this account. I have called XXXX XXXX and requested to speak with a Credit department, and have been advised that one does not exist. I am requesting additional assistance from the CFPB in regards to this matter and having the late payment reported to the credit bureaus removed, as I am not 30 days past due on my payments and have made at least the minimum payment if not more each month.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The balance on the credit cards have been reduced. The credit card providers indicated that the updates on the card balances were sent to the 3 credit reporting agencies however, my card balances haven't been updated and I need my report to reflect a lower credit utilization since I am applying for a mortgage. The delay in updating my balance is also delaying my ability to apply for a new mortgage.

If I were 30-day late on any credit card payment, the 3 credit reporting agencies would've immediately update my credit report. I am requesting that the credit card balance on 5 credit cards be updated to reflect the lower amount which will increase my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The balance on the credit cards have been reduced. The credit card providers indicated that the updates on the card balances were sent to the 3 credit reporting agencies however, my card balances haven't been updated and I need my report to reflect a lower credit utilization since I am applying for a mortgage. The delay in updating my balance is also delaying my ability to apply for a new mortgage.

If I were 30-day late on any credit card payment, the 3 credit reporting agencies would've immediately update my credit report. I am requesting that the credit card balance on 5 credit cards be updated to reflect the lower amount which will increase my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
THEY BEEN CALLING ME SEVERAL TIMES, BOTHERING ME ARISE ME THAT XXXX ARE GOING TO USE A LAWYER TO BE SURE THAT WILL COLLECT OUTSTANDING AMOUNT OF {$10000.00} WITH ALL INTERESTE ACUMULATED IF TAKE ME TO COURT IS GOING TO BE MORE MONEY ... .SEVERAL TIMES ... WHICH TOLD THEM STOP CALLING ME, DON'T ARISE ME ETC, BUT THEY KEEP INSISTING ME I AM XXXX  YEARS BEEN I N THE HOSPITAL TWICE, AND DON'T NEED THIS AGRAVATION, PLEASE I AM BEGGING TO HELP ME NEED TO GET AWAY FROM THESE PEOPLE... .THANK YOU VERY MUCH FOR YOUR SUPPORT AND COOPERATION ... ..They been having a lot of colplaints, from Consumers. 

Note : The name of this Company is : Credence Resource Management, Their PH # ( XXXX ) XXXX, but think they been calling me from others of theirs numbers, Thank Again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: OH

Complaint narrative:
Ive tried to get unknown debt off my report but no help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
COMPANY XXXX XXXX ( XXXX ) IS VIOLATING MY RIGHT TO PRIVACY BY REPORTING UNAUTHORIZED INFORMATION TO CREDIT BUREAUS XXXX AND EXPERIAN. ON XX/XX/XXXX, IN WRITING, I SENT XXXX XXXX AN OPT OUT NOTICE. ON XX/XX/XXXX I SENT XXXX AND EXPERIAN CREDIT REPORTING AGENCIES PROOF OF OPT OUT NOTICE AND WRITTEN INSTRUCTIONS TO REMOVE ACCOUNT FROM REPORTS. ALL XXXX COMPANIES ARE STILL REPORTING MY PRIVATE INFORMATION. 

COMPANIES ARE VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING CONSUMER PROTECTIONS : -PRIVACY ACT OF 1974 -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION -TITLE 15 UNITED STATES CODE 6802 `` OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION

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 2023-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I made a loan with MOBILOANS LLC and it was collected in 2019 by XXXX XXXX  And they are still fighting to delete my negative account and you do not TAKE ACTION IN THE CASE, what is happening???

Company response to consumer: Untimely response
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX | XXXX : XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE XXXX Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} To whom it may concern you have violated my rights under the FCRA XXXX 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

XXXX with account number XXXX Remove due to inaccuracy - I never paid late XXXX with account number XXXX This account does not belong to me. 

INQUIRIES REMOVALS BELOW XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX Thank you for your time and attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Exeter Finance, LLC.
State: CO

Complaint narrative:
I had an auto loan with Exeter Finance that matured on XX/XX/XXXX. Due to having deferments on the account, I still owed a balance. I had continued to pay as agreed, and have never gone 30 days past due on making a payment. I called Exeter Finance and spoke with a manager on Tuesday XX/XX/XXXX, as well as Thursday, XX/XX/XXXX due to a payment I had made on XX/XX/XXXX, not properly reflecting on my online transaction history. I was advised that due to the loan maturing, that the next payment date would not reflect online. I specifically asked the manager during both calls, if this would result in being past due with the credit bureaus. During both calls, a manager specifically responded and stated that the loan has simply matured, and that I should continue to make payments as agreed. This is what I have done, however, Exeter Finance is reporting to the credit bureaus as of XX/XX/XXXX that I am 30 days past due making a payment on this account. I have called Exeter Finance and requested to speak with a Credit department, and have been advised that one does not exist. I am requesting additional assistance from the CFPB in regards to this matter and having the late payment reported to the credit bureaus removed, as I am not 30 days past due on my payments and have made at least the minimum payment if not more each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2023 I used my Chase debit card to buy {$130.00} worth of clothes from XXXX website. I used the XXXX payment installation plan where I would pay about XXXX $ a month until the amount was paid off. I was excited for my clothes, when I shopped online for them I spent 2 days looking through all the clothes and looking at size guides and reviews of other clients who previously bougth the same product and described their body to be like mine. I followed XXXX size guide. When I received the items and tried them all on I was depressed that there was nothing that fit as described and the outfits alone are not even the same material they describe in the website. So I returned the items ( order for return from XXXX is # XXXX and my USPS tracking number for the clothes I returned is # XXXX ) I have called my bank and they claimed they only can recover up to XXXX $ per year for me in transactions and I aparently exceeded that- never had I heard of this before nor until this year have I used the services of my bank to request my money to be recovered. I reached out to XXXX to have them release the funds to my bank they laughed at me and refused and told me to call XXXX XXXX XXXX has only an email to reach out to and they said they will not help release my fund back to my bank and they also have my items i returned. Now XXXX is trying to send the rest of the money I " owe '' to a debt collection agency when I dont even have the products I SPENT that money on!! I have reached out to XXXX and filed a complaint on XXXX but they are a huge entity and likely not to return the messages. I want my cash refunded back and I also want my credit to be repaired if they did send my debt to a collection agency. I am not sure what else to do at this point I want to take legal action but the amount of costs is so small I am unsure anyone will take me seriously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
When purchase of services with XXXX with my credit card it is considered a " cash transfer '' by XXXX and they do not disclose that is the case. My credit card company charges a fee for " cash transfer '' and refuses to eliminate the option of " cash transfer '' for my account and states that the vendor is the one that determines whether it is a " cash transfer '' or " credit card purchase '' ......

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was scammed by offshore XXXX XXXX for over about {$11000.00} and the website doesn't exist anymore XXXX I had begun my dispute processes for over 6 months now and they have only resolved 2 disputes in my favor so far with case numbers : I was also scammed by XXXX which is a XXXX software company that provided fraudulent claims about their softwares that seem to work and make money. All was fluff for sales, basically a scam. They have again resolved only 2 disputes in my favor so far with these case numbers : XXXX & XXXX. 


I was lastly scammed by a XXXX based software company that also has claimed to be the best software that trades the XXXX market for you called " POW '' All these scams are obvious and they are known, I personally had no idea but to try them all out and literally lose much more money than even the investment itself yet the credit card company ( XXXX 's credit card provider ) always resolves the disputes in the merchant 's favor even when they're common sense and obvious scams that are well known by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Venmo does not disclose that payment for goods or services with a credit card is a " cash transfer '' rather than a " credit card purchase ''

Company response to consumer: Closed with explanation