vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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: CL Holdings LLC
State: GA

Complaint narrative:
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party, unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The companies never informed me of my right to exercise my nondisclosure option. Also,15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. These accounts are adverse items that are reporting without my consent which is against the law.

Furthermore, these adverse items also violate The Privacy Act of 1974 and 16 CFR 313. 
I sent a letter on XX/XX/XXXX exercising my consumer right to opt out and these companies completely ignored me and are continuing to furnish my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: Viva Finance Inc.
State: GA

Complaint narrative:
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party, unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The companies never informed me of my right to exercise my nondisclosure option. Also,15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. These accounts are adverse items that are reporting without my consent which is against the law.

Furthermore, these adverse items also violate The Privacy Act of 1974 and 16 CFR 313. 
I sent a letter on XX/XX/XXXX exercising my consumer right to opt out and these companies completely ignored me and are continuing to furnish my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, 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. 




UNAUTHORIZED INQUIRIES : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: NC

Complaint narrative:
I mailed SEVERAL letters to resolve the FOLLOWING ISSUES to ALL CREDIT BUREAUS. All bureaus FAILED to resolve these issues. 

*Reporting the wrong information my EXACT NAME & ADDRESS that appears on my driver 's license. any other names and address are non-mailable & or do Not exist. 
* Reporting Employer information that i Clearly wrote a letter to inform that i DO NOT want my employment information exposed on my credit reports. Credit Bureaus still have it exposed. 
* Reporting over XXXX inaccurate discrepancies ALL OVER MY REPORTS. ALL Credit Scores are different. ALL Balances and overpayments or different. 
*Reporting XXXX Loans information without mu knowledge and consent. Violating the Family Educational Act *Reporting 2 Bankruptcies that i have a letter from the XXXX XXXX House stating that the DID NOT give ANY BUREAUS consent nor I GAVE any Consent or no knowledge or sign any consent from Bankruptcy to report on my reports. VIOLATING LAWS AND MY RIGHTS AS A CONSUMER *Reporting 4 charge offs that violating laws. these companies knowingly and willingly reporting charge offs that HAD BEEN PAID AND DO NOT EXSIST according to the laws i attached below. 

THIS HAS CAUSED ME TO BECOME DEPRESSED STRESSED LOST MONEY HIGH INTREST RATES THAT IS NOT NECESSARY. I CAN NOT GET ANY TYPE OF REMEDY TO PUSH FORWARD IN LIFE. IT HAS NOT BEEN FAIR TO ME AND MY FAMILY. AND AGAIN, VIOLATING LAWS AND MY RIGHTS! 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore exists.

I ATTACH A NOTE ON THE LAWS THA ARE BEING VIOLATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-20 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief
Consumer complaint received 2023-12-20 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: TX

Complaint narrative:
I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report. In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to
ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to Metro 2 compliance standards.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.

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 2023-12-20 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: NC

Complaint narrative:
Capital One has charged off my credit card. I am aware that a charged off line of credit becomes a certificate of indebtness which means it is income and must be removed. The law says it is illegal to report transaction history, finable at {$1000.00} per violation. Capital One has reported since XX/XX/XXXX which not only permits the {$1000.00} per violation but also pain and suffering damages. Furthermore, under the Fair Credit Reporting Act information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I also have the right to Opt Out under 16 CFR 313.7 deriving authority from 15 USC 6801. Also, under 16 CFR 433.2 ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The account with Capital One was an open-ended credit line and the credit application became a security the moment my signature was obtained. Capital One is also in violation of the Securities Exchange Act of 1934 for the sale of my security on the secondary market.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to formally dispute a hard inquiry that has surfaced on my credit report, under your company 's name, which I believe to be unauthorized. Upon careful review of my credit report, I observed an inquiry dated XX/XX/2023 attributed to TRUIST. 

I would like to emphasize that I did not provide authorization for this inquiry, and I am seeking your immediate assistance in conducting a thorough investigation to rectify this matter. The unauthorized inquiry is impacting my credit score adversely, and I am concerned about its inaccurate reflection on my creditworthiness. 

Details of the unauthorized hard inquiry : Company : TRUIST Date : XX/XX/2023

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 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On or about XX/XX/XXXX  I received a check from Wells Fargo Bank for {$200.00} from the CFPB settlement fund. See attached document. I decided to contact Wells Fargo the get answers for the small amount. After spending almost half the day being transferred from department to department being told each time " wrong department '' I was told by the WF Remediation to call the number on the check and they hung up before I could ask further questions. The number on the check is a recording. 

Also, we paid almost {$5600.00} to WF trying to avoid losing our home. But were denied. Also attached are Court cases from the Commonwealth of Massachusetts and US District Court XXXX concerning the original mortgage. 

Please note that I no longer have legal counsel.

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 2023-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My original student loans which started in the year XXXX, was with a servicer that went out of business. In the transfer to XXXX XXXX all my payment information, and loan documentation which was at that time paper, was lost. 
Under my second loan servicer I was eventually informed that instead of forbearances and deferments for a payment I repeatedly stated I couldn't afford, I could sign up for an income based repayment plan. After COVID, XXXX XXXX has since transferred all my loans ( which are direct loans ) to Nelnet. Under Nelnet, once again my account is blank. 
I can't see payment history, plans etc. the government page has limited information, but I can see some of my IDR application dates. The gov website also says to refer to your student loan devices for specific information about your account. 
On XX/XX/XXXX I contacted Nelnet to get my qualifying payment count. I was informed they could not give me this information. I asked when my one time adjustment would be applied ( because my first loans would be forgiven at that point. ) He said he couldn't tell me the date of that as well. He told me that it had been applied in the system, but there didn't seem to be any way to verify this. He told me when my forgiveness was up I would get notification, and don't worry, if I ended up overpaying I would get a refund. I asked how would they know if I was due for forgiveness if they didn't know my count and he said the system knew, which was updated from the government website so contact them. I told him the government website said to contact my servicer. He said he hears that a lot. Contact them anyway. I asked if there was something I could put in writing to request this information from Nelnet. He said yes I could write the gov student loan dept. After talking in circles it was clear I was never going to get the information even though I believe that if the adjustments have actually been made to my account, I should have already received notification from them that my loans are being forgiven instead of notices that I need to continue paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint against the issuer of the XXXX XXXX XXXXXXXX XXXX for misleading advertising and failure to honor a promotional bonus offer. 

I applied for this card influenced by an offer stating, " Earn XXXX bonus points after spending {$1000.00} within the first XXXX billing cycles. '' ( XXXX XXXX XXXX XXXX After fulfilling this condition and spending {$1000.00}, I was denied the bonus points. The issuer excluded the {$99.00} annual fee from the qualifying spend, a detail not disclosed in the advertisement or the card agreement. 

This omission, I believe, constitutes deceptive advertising, leading consumers to make decisions based on incomplete information. My attempts to contact them and resolve this with the issuer have been unsuccessful. 

Thank you for your attention to this matter.

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 2023-12-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used XXXX points to buy a HomePod through " Chase XXXX XXXX Rewards Store, '' Order Number XXXX, on XX/XX/2023. Product was defective because it did not sync with a brand-new AppleTV, so a few days after I received it, I called customer service number XXXX to return it. A representative advised that a return shipping label would be sent to me within 7 days. 

Approx. 10 days later, I called back as I had not received a return shipping label. I was now advised that I needed a " Case ID '' from XXXX. So, I called XXXX and obtained same on a XXXX call with XXXX and Chase XXXX XXXX XXXX XXXX I was now told by Chase XXXX XXXX XXXX rep that a return shipping label would be sent within 7 days. 

Approx. 10 days later ( yesterday ), I called back as I had still not received a return shipping label. I was advised by a representative that she did not know why a return label had not been sent and she could not process XXXX, but that a representative that could process same would call me back by end of day. None called. I also asked this representative whether the business " Chase XXXX XXXX Rewards Store '' was a Chase company or an XXXX company so I could potentially send a letter to its Registered Agent, and she advised that it was an XXXX company. This appears to be untrue. 

Today, I called Chase XXXX XXXX Rewards Store again and was now advised by " XXXX '' XXXX XXXX that the XXXX " Case ID '' does not work, so I needed to call XXXX again and start the whole process over again, and that she could not send a return shipping label. XXXX XXXX also advised that Chase XXXX XXXX XXXX XXXX is a Chase company, not an XXXX company. So, I google 'd returns to Chase XXXX XXXX XXXX XXXX and discovered a whole XXXX XXXX of other people who experienced the same run-around when trying to return products to the Chase XXXX XXXX Rewards Store, and they ultimately gave up. 

https : XXXX? XXXX This abusive treatment of consumers should be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: MI

Complaint narrative:
I have an ongoing complaint for months against Nelnet for failure to process my XXXX loan application. Now they send me a notice today they did and they did not. It is still the old repayment plan and not SAVE which is supposed to be {$190.00}. So they just sent me the exact same bill for an amount I can not afford nor am I supposed to pay. They won't stop illegally not processing my XXXX application. It is the exact same OLD PLAN I was on before I applied for XXXX. now they have illegally put me into repayment for the old plan again. I was talking to XXXX a few days ago about how badly Nelnet has been. I want to add this to my oopen case as this is unreal incompetence and corruption. I have sent numerous document showing rh federal government said I am to pay XXXX a month. They keep reverting back to my old payment plan. It is almost XXXX a month and XXXX XXXX afford 25 % of my entire take home for a student t loan payment. So I am demanding they send me a bill for XXXX as that is what I qualify for with XXXX. This is what Nelnet does. They keep trying to charge you insane amounts and wrong amounts. I am done with dealing with this mess since XX/XX/XXXX! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: National Credit Systems,Inc.
State: AR

Complaint narrative:
I asked for this company to produce the debt and they have not complied. They sent me a lease that was filled out online and proves nothing to resolve the debt. I have a signed letter from my landlord as to my residency for over a decade. I will submit it with this application to be forwarded to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
FCRA violations because this account was charged off a year ago I do not owe this account and I want it deleted from my credit report immediately. 1099C was submitted over the summer to XXXX XXXX I have no idea who these people are this is identity theft.

Company response to consumer: Closed with explanation