vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: FL

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.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I created an online EXPERIAN Account and was unsuccessful in retreiving my credit report, I called EXPERIAN and i was told that I need to wa

it 72 hours in order to receive access to my online report. it has been 2 weeks now and I can't access my o
nline EXPERIAN Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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.

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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:
Company violated U.S.C 15 usc 1681 c-2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I submitted a travel insurance claim for a cruise vacation to XXXX which is the travel insurance provider for Chase Sapphire XXXX credit card. I provided all the documentation that they requested, I got on a call 2-3 times to discuss my claim and was promised speedy completion as soon as I upload document requested or provide information requested. 

I have provided every single bit of information and documentation I have. The travel insurance company is not completing processing of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
I am highly disappointed with this company with the way they are handling this issue I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in a word document, I am a victim of identity theft.I have mutiple accounts I DID NOT apply for listed on my credit report.I ask that these items be deleted so my credit report will only show accurate information.I reported the theft of my identity to the federal trade commission and enclosed copies of the report, I will like these items deleted from my credit report as soon possible.I have attached my affidavit and other supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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.

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: MO

Complaint narrative:
If I could give XXXX stars I would. I have a car loan thru this company for seven years. The loan ended XXXX XXXX XXXX I called and explained that there is no way I have over XXXX grand to pay because the loan had ended. They told me to call back in XXXX to work out an extension. I called XX/XX/XXXX. A representative told me that to complete an extension I would need to pay {$260.00} which I did and to make my regular monthly payments of {$400.00}. XXXX came around I called and asked if I could make a partial payment on XX/XX/XXXX and the remainder on the XXXX. They said yes. I was never once told that since I did not pay a full payment in XXXX that my car is now 72 days past due as of XX/XX/. They repossed my car last night. I called and spoke to a supervisor XXXX and he said he listened to the recoreded phone calls and understood what the representative said but unfortunately she does not have authority to grant extensions and my car is still 72 days past due which makes no sense since she told me to pay that in XXXX and I paid my full XXXX. Now to get it back I have to pay XXXX and then they will release the vehicle. After reading these reviews I'm now hesitant to even pay that amount since people are saying it takes days to even get them to send the paperwork to release the vehicle. I did not get a notice by email or mail or phone call saying my car is in repo status. Like I said I have had this car for 7 years and never once came close to it being repoed. This is poor communication from the reps to the clients and I am hiring a lawyer for the decetitfulness of their words and no paper work to back up about the car being in repo status or any paper work showing the request for an extension was denied when the rep put me on hold for over 30 minutes to come back and tell me the extension was approved with paying the {$260.00} back in XXXX. 
Westlake I hope your company gets sued for poor management skills with long term customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was illegally charged and billed using a deceptive practice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: PA

Complaint narrative:
The following items I have been trying for months now yo get removed they are not my account and misleading. I reach out to the credit Bureau and get no help whatsoever. Items and companies I never did business with are has follow : XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX Unknown Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I deleted old addresses from my credit report- this triggered the deletion of my entire credit report. I need this rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: MO

Complaint narrative:
Consumer NOTIFICATION of unproven and or Faulty Transfer and Payment Record information, untrue information, incorrect facts, incomplete data, not certified amenably recorded details or else wise not adequate of mandated validity and of applicable and mandatory reporting standards, to include but not limited to those requisites by the FCBA, FCRA, FDCPA, FACTA, HIPAA PR, TILA, and or XXXX ( XXXX XXXX Compliance format ) reporting regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting my fourth complaint concerning my status as a victim of identity theft. This submission is a follow-up to the challenge I have raised against specific items in my file, which directly stem from the aforementioned crime. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report, specifically those under the reference # XXXX in my case. Please remove the reporting of these items from my credit file, as they are associated with an alleged identity theft : -- -- -- -- -- -- -- -- EXPERIAN : 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 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. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items in the consumer 's file identified by the consumer as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I have a installment loan from 2018 on my credit I never took out for a car I have no knowledge of Ive recently started working on my credit recently so I never new this was attached to my name I filed a report with ftc im waiting for a response Ive even contacted the company myself they said the car was returned and they cant do nothin about it and I owe XXXX XXXXXXXX XXXX somebody told me to contact this website to seek help I really dont know what to do and its reported twice on my credit if you can contact me at XXXX to let me know how to go about this would be perfect thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DreamSpring
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. This account has effected me by me denied credit to move into a new house and also be able to buy a new car to get to work. I never gave them permission to report this latepayment to experian, XXXX or XXXX. They are defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
This is about coinbase. I am trying to cash out my assets but they wont let me. WORST website ever and clearly a scam. They are telling me in writing the available assets i have to withdraw, but then when i try to do it, it says the amount is too large and that i don't have the assets to cover it. So i tried to withdraw only XXXX DOLLAR and it says the same thing. Total scam. I searched online and apparently they do this to a bunch of people over the last few years. 

I contacted customer service and they were absolutely useless and told me that i didn't have money in the account. When i showed them the screenshots of my assets there, they then said it is because there is an open order on my account, but there is not. I went to the order page t ensure that there were no open ones and just to be safe, i cancelled every order that could have maybe been open. This still didn't work. They will not let me have my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: CA

Complaint narrative:
After I left XXXX  and moved to XXXX, XXXX XXXX XXXX  ( a property management company ) charged me {$1500.00} for damages to a unit. The XXXXXXXX XXXX XXXX company kept my deposit and my roommates ( {$600.00} each ), additionally charged her hundreds of dollars, and then charged me XXXX. As a new teacher in a new state ( XXXX  ) I had no way of fighting this. The debt went to XXXX and has been negatively affecting me for three years. I am actively improving my credit but refuse to pay this exorbitant, baseless, price gouging. XXXX has refused to re-send me information related to this debt twice. I have tried to dispute the debt several times. In my opinion they owe me for the years of negative impact on my credit. The agent I spoke with, XXXX XXXX, refused to send any information on the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filled a report on Bank of America and got a call from XXXX a few days ago and on today ( XX/XX/2024 I received a call from XXXX XXXX asking me for my non public private information which is against the law.

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 monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
Mohela was required to place student loan borrowers on administrative forbearance for XXXX, XXXX and XXXX, due to them failing to notify borrowers in adequate time of the payments starting after the COVID-19 payment pause. Mohela informed borrowers at the time that payments due during this time would count towards public service loan forgiveness. 

My XXXX and XXXX payments have shown up as " eligible '' payments for loan forgiveness. My XXXX payment is showing up as " ineligible '' for loan forgiveness. 

XXXX is my XXXX ( or last ) payment to be made for loan forgiveness. The fact that Mohela is showing my XXXX payment as ineligible is hindering my qualification for loan forgiveness. I submitted my XXXX paperwork with them on XX/XX/XXXX to update my payment counts and to reflect that I have met my end of the deal. I have worked for 10 years in public service. I have done my work. 

Mohela is passing the blame to the department of education and says that it is not on them to change the payment to " eligible. '' They say they can not expedite the process. They say that the process will be done by XX/XX/XXXX, but they can not tell me when I might be processed in that timeline. It could be tomorrow, it could be XX/XX/XXXX. This rationale makes literally no sense considering that XXXX and XXXX are marked as eligible. 

What they are telling me is that it takes them up to 60 business days to certify a form for loan forgiveness and that I can now resubmit my form for qualification. They do not acknowledge that this will affect the money the money that I should be refunded because XXXX will qualify for loan forgiveness. 

So ultimately they give me these choices. Bearing in mind that I have qualified for loan forgiveness at this point, I have worked for 10 years in public service. I can : A. Wait on them to process the form I submitted on XX/XX/XXXX and reject it as saying I have 119 payments. Even though XXXX qualifies and they acknowledge XXXX qualifies. 
B. I can resubmit my form now, having made a payment for XXXX and XXXX. Restarting my timeline for loan forgiveness while continuing to pay them ( since they won't pause payments until either you wait over an hour to speak to them or they process the form ). 
C. I can cross my fingers and hope that they decide my XXXX payment is eligible before they process my payment certification ( ECF ) form. 

None of these are fair to me. I have done my end of this bargain. XXXX qualified and my payments should reflect it as qualified. To make me continue to pay for my loans is absurd, to make me jump through these hoops is also absurd. This is unconscionable behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had a Capitol One Spark Business card for my XXXX XXXXXXXX XXXX. In XX/XX/2020, after a cancelled concert due to covid, XXXX refunded over {$3000.00} to the card leaving a negative balance. After several months, Capitol One cancelled out the balance the card was closed. However, I never received a check for the money. I called customer service and they couldn't seem to grasp the issue. I just gave up frustrated because I could not reach anyone who would help me despite calling customer service multiple times. However, I need someone there to review the statements and verify that no check was ever issued to me for the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: MD

Complaint narrative:
This bank and its rep, XXXX, lied to me saying they called me on XX/XX/24 and XX/XX/24 XXXX XXXXthey never did. I want this card ( US Bank ReliaCard ), account and the online access closed for good! The case number is XXXX. I already made it clear to confirm the closure! I don't need to call anyone -- -especially when their line is awful and of no help! XXXX did nothing but waste my time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: IN

Complaint narrative:
I am a victim of identity theft. My information was stolen from Equifax during the Data Breach, along with numerous other breaches. I have tried to contact Equifax online, which is what they request, however, my disputes are being disregarded and my 605 ( b ) Fraud Block request is not being honored despite providing information that Equifax asks for in order to place the block. I am asking the CFPB to intervene and get inquiries removed along with a XXXX XXXX XXXX account ending in XXXX blocked. I have had a freeze in place for some time, yet somehow applications are getting through. I applied for a XXXX XXXX Credit card on XX/XX/XXXX ( shows as XXXX ), and that is the only inquiry that should be there. The rest are not mine. They must be removed as they are not part of any transaction I initiated. Documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy ( 15 USC 1681 ( section 6 O 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 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