vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting to my credit hurting my score when Im fact they have no right to insert or report to my credit file whatsoever.

XXXX is also reporting to my credit report about account that does not have my signs or contract you furnish on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: MI

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. 

has violated my rights. Or list of inquiries Account name : XXXX Account number : XXXX Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX  Account 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 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 2023-09-07 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: MA

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT ; THOSE LISTED ACCOUNTS AREN'T MINE. Please block that information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Aspen Yo LLC
State: VA

Complaint narrative:
original complaint : XXXX Company lied in there response and is still ignoring me. My insurance just defaulted again this year XX/XX/2023 for non payment. 

I am being forced to pay the late fees. 

They are using the bankryptcy excuse to ignore me. 

I will have the home insurance company be the first to testify about this issue. So the mortgage company can keep lying as long as its to a judge i dont mind anymore/ I now have two home insurance defaults due to the mortgage company not paying at all or on time.

I am being forced to pay all the late fees and the home insurance twice out of pocket so my insurance isnt turned off.

i have all copies of the defaulted documents and all phone calls are recorded with the home insurance company. 

XXXX XXXX LIED IN EVERY RESPONSE. 

original complaint : XXXX STILL STANDS. THEY IGNORED THIS WITH EXUSES AND LIES WHICJ I CAN NOW PROVE IN A COURT ROOM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I purchase products from the company XXXX XXXX XXXX and it was a duplicate charge to my account. On XX/XX/XXXX XXXX XXXX XXXX returned one of the charges back to me. I was due to receive my purchase on the XXXX of XX/XX/XXXX. My items were detained by customs, I have that verified through both XXXX and the merchant. I filed a dispute with my bank, Chime XXXX XXXX XXXX  and the representative who started my claim filed the wrong dispute and chime approved it stating the merchant has already returned funds. Unfortunately I had to file another dispute, and when I did, chime once again approved my dispute stating the merchant returned my funds. They are all looking at the same return from the merchant on XX/XX/XXXX. Instead of them returning my funds to my account, they continuously give me the run around and promise me contact within 24/48 hours from an investigation team. After a month of me fighting for my money, I demanded answers. A few representatives did agree that there was an error made. I asked to submit a rebuttal but no one has gotten back to me. No communication no email correspondence or anything of that nature has occurred. This has caused a strain on my finances because during the time, my car was messed up and those funds would have covered my repairs and expenses and because I could not. I was unable to start my new job because of this lack of effort. Now I am not working and my account is in the negative by {$1.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: UT

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. 



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX -- IDENTITY THEFT 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 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 explanation
Consumer complaint received 2023-09-07 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: AR

Complaint narrative:
I'm going to school to earn a PA degree and license in psychiatry. I'm attending the XXXX XXXX XXXX to help obtain that degree. Back in XXXX this year, I receive notifications that NelNet had closed my student loan accounts as paid in full. Based on that information, I decided to start school this past summer and ALL disclosures/information presented to me showed I had {$0.00} in outstanding loan balances. Then, today XX/XX/XXXX, I receive an e-mail from XXXX stating that I had over XXXX XXXXXXXX in outstanding student loans. I get online and make a couple of calls to try and get this looked into. I tried calling NelNet and their wait time was XXXX minutes. I sent them an email but no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
ENHANCED RECOVERY COMPANY 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 {$1900.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My vehicle was damaged in a hail storm. XXXX XXXX sent me a check payable to myself and Capital One for {$3100.00} which was more than the payoff. I endorsed the check and sent it to Capital One to payoff the loan. They applied the payoff payment for {$1700.00} on XX/XX/XXXX ; reversed it on XX/XX/XXXX ; reapplied a payment for {$2200.00} on XX/XX/XXXX leaving a credit balance ( overpayment ) of {$450.00}. They reversed the {$450.00} and sent me a check. The website also stated that a check in the amount of {$910.00} ( {$3100.00} - {$2200.00} ) was being processed to be sent to me along with my title release. On XX/XX/XXXX the {$2200.00} was reversed and they showed me past due. I spoke to Capital One on XX/XX/XXXX and they said the check had been returned unpaid by XXXX. I called XXXX and they stated the check had not been returned. I called back Capital One and after about an hour and speaking to 3 people - I was assured the return check would be mailed to me within 3-5 business days. In the meantime I made an additional payment for the last dues amount and the upcoming XXXX payment ( {$920.00} including a late fee ). Within that time period of XXXX days I have received the {$910.00} check which was previously mentioned and a letter stating my title was released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I recently made a complaint against company for fraudulently accepting public debt is an obligation to The United Sates. Company refused to address violations. Company also send a letter to me stating there was an unauthorized person making a complaint through the CFPB and thats suspicious. Company has my information as its law for records to be kept 5 yr min. This is proof that I received companys letter. Company should now address violations and has been sent a cease and desist letter which includes no form of communication nor furnishing any information pertaining to me to anyone without not written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: Paypal Holdings, Inc
State: OR

Complaint narrative:
I currently can not log into my Venmo account whatsoever. Each attempt is met with an error, as follows : XXXX Exception : Unauthorized action. 

I XXXX  this problem, and discovered that there are many other Venmo users struggling with the issue, and it has been ongoing for some of them as early as XX/XX/23. When those other users have contacted Venmo support, they have either been told nothing can be done or to try again in 24 hours. This is an inexcusable pattern that is clearly kicking the can down the road rather than addressing the consumer issue. They have not publicly reported this problem, and are not interested in helping users get access to their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: IN

Complaint narrative:
They have violated my rights to privacy I have not provided written consent for them to furnish my information to anyone.

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 2023-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
I am writing to file a formal complaint against Citizens Financial Bank regarding their lack of response and action in addressing a grave incident involving the unauthorized withdrawal of funds from my bank account via XXXX XXXX XXXX. An amount of {$11000.00} has been unlawfully transferred from my account without my consent, and the bank has shown no willingness to address this severe offense. 

On XX/XX/XXXX, I found the unauthorized activity on my bank account and immediately dialed XXXX to report the matter to the bank 's Customer Support Team representative XXXX. During the call, the representative requested relevant information and assured me that a response would be provided by email within 10 days. However, it has now been 17 days since my initial contact, and I have yet to receive any communication or email from the bank regarding the status of my case. 

In an attempt to seek clarification and progress on my case, I made another call to the bank on XX/XX/XXXX. To my astonishment, I was informed that there was no record of my case, and the representative abruptly disconnected the call without offering any assistance. It is deeply distressing to encounter such unresponsiveness and disregard for my case, especially considering the seriousness of the matter. 

As a concerned consumer, I believe it is imperative to bring this issue to your attention and request your intervention in ensuring that Citizens Financial Bank fulfills its responsibility to address this fraudulent activity promptly and appropriately. The unauthorized withdrawal of funds from my account has caused significant financial hardship, and the bank 's lack of response and action has further exacerbated the distress I am experiencing. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold Citizens Financial Bank accountable for its failure to address this issue promptly. I seek your assistance in ensuring that the bank provides a comprehensive resolution, including the recovery of the funds that were illegally taken from my account. 

I trust that the Consumer Financial Protection Bureau will take this complaint seriously and initiate appropriate measures to address this issue. I kindly request regular updates on the progress of the investigation and a prompt resolution to rectify the financial losses I have incurred. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized accounts must be removed. All dates were XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: LEXISNEXIS
State: WI

Complaint narrative:
LexisNexis is reporting a XXXX XXXX bankruptcy on my credit report they have put in the date of furnished as the US Bankruptcy Court of XXXX which is false. I have attached a letter from the XXXX US Bankruptcy Court verifying and state they in fact, do not report any information to the credit bureaus or any credit monitoring service to verify or validate. XXXX is falsely stating this information on my credit report and yet to remove it. 

I do not have to provide Nexis Lexis with an identification card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: FL

Complaint narrative:
The mortgage company an my ex wife put my house on a covid19 payment plan with out my permission i find out because i received a foreclosure notice i try work thi out they told me if i paid all payments they will not put my house in foreclosure an remove all the late payments before XX/XX/XXXX when i call them they told me they don't have any record off that they destroy me an my kids life my credit history with 28 late payments an i end up saling my house for XXXX have a price i loss my job too

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 2023-09-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Delete Hard Inquiries from Equifax : 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 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. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2023-09-07 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: MS

Complaint narrative:
I XXXX XXXX pulled my consumer report on XX/XX/2023 and noticed Inaccurate accounts reported. You are reporting inaccurate and invalidated information on my consumer reports Pursuant to FDCPA your company is to validate/ verify prior to placing the negative alleged late payment and inaccurate accounts on my consumer report. Furthermore, your company has violated federal law 15 usc 1681 ( b ) - permissible purpose for reporting this alleged negative late payment without my consent. Failure to furnish evidence that supports your claim I demand removal. Failure to remove I will sanction legal action for remedy.

Pursuant to 16 CFR 444.4 Unfair act of practice 15 USC 1681 ( b ) - I never gave them consent to report anything negative on your behalf Inaccurate Accounts Inaccurate personal information 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 these particular laws. 1.15 U.S. Code 1681i states I have the right to my privacy it also states a consumer reporting agency can not furnish a account without my written instructions 2. 15 U.S. Code 1681s 3. 15 U.S. Code 1681b 4. 15 U.S. code 1681 a a person shall not furnish any information relating to any consumer reporting agency if the person know or has any reason to believe the information is thus inaccurate 5. 15 USC 1692 FDCPA In major accordance with the Fair Credit Reporting Act. The accounts that I have listed below has disgracefully violated the Credit repair consumer rights that are legally mine via the United States Government. These accounts have violated my constitutional right ( 15 USC 1681 ) due to its invasion of my privacy and confidentiality. 

I have for a numerous amount of my time disputed these accounts via XXXX, XXXX, and Equifax : I request documentation as well from these companies stating the information that is being reported to the credit bureaus because I am not aware of these accounts nor have I received documentation. 

Charged Accounts Reported Inaccurately 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  HARD Inquires I do not recognize and didnt apply for 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 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 ARE ALL INCORRECT AND SHOULD BE REMOVED I NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX I ask that these incorrect addresses are removed as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: VA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation