vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: HI

Complaint narrative:
On XX/XX/year> I wrote to Firstmark services to inquire- I would like to know how to apply for cancellation of my private loans based on school misconduct. I am entitled to a process for private student loan relief because of my schools misconduct-pushing students to obtain predatory loans. 

On XX/XX/year> I received a response our loan is not a federal loan, so it is not eligible for forgiveness due to school misconduct. Your loan is a private loan, and the terms and conditions of this loan are different than federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Kindly get rid of these inquiries. I have no information on this matter, and the company proceeded without my consent.

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 2024-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Not authorized to report personal information to third parties without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Today I receive a alert at XXXX XXXX  from XXXX saying my file was being acess tried to login to my account but everytime I request for verification code someone cancel the request.At XXXX a text from XXXX saying that I am sharing data with a third party.Someone is accessing my account online and when I go back to the information it be deleted.Equifax the same thing and they said that they have a product that belongs to me but before I can access it a third party got to connect.I don't have no credit cards, and my accounts that I created most of them are closed or the account have been changed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OZK
State: AR

Complaint narrative:
My certificate was denied endorsement and deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NY

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 and 15 USC 6802. 
Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, 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. 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.

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.

15 USC 6802 - Obligations with respect to disclosures of personal information. I did not receive the required opt-out notice at the time I created the accounts that are being reported.

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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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 and 15 USC 6802. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

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

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

instructions 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.

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.

15 USC 6802 - Obligations with respect to disclosures of personal information. I did not receive the required opt-out notice at the time I created the accounts that are being reported.

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 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Company sent me repeated emails in attempts to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX my mom was diagnosed with XXXX  XXXX XXXX. She passed in XX/XX/XXXX less than 30 days after losing my grandma also. 

I added account assure to XXXX XXXX XXXX credit card in XXXX. According to updated terms as of XX/XX/XXXX, account will be suspended after 90 days or three billing cycles past due. 

I MADE payment in XX/XX/XXXX, missed payment XX/XX/XXXX, missed XX/XX/XXXX, and XX/XX/XXXX due to circumstances trying to care for my dying mother and grandmother. 

They reported to credit bureaus in XX/XX/XXXX that my account was 30 days late. 

In XX/XX/XXXX I applied for the account assure benefit for event in XX/XX/XXXX. It was denied because they claimed my account assure had been canceled. But according to the terms of contract, the credit bureau report, and last payment made, they had no right to cancel my account assure at that time! 

I have been in almost weekly contact with account assure since XX/XX/XXXX. No one can give me any answers, no one will correct their mistakes, and 5 times I've been told that the situation was escalated and that I would receive a call back but never did! I have spoken to their customer service agents and supervisors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is the law : The following information in this report does not belong to me. My information has been compromised, or I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days.

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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today is XX/XX/XXXX, I check my credit report and I saw fraudulent accounts open on my name, please remove this accounts, i never apply for for any loans or credit card with this companies listed below XXXX  XXXX XXXX - XXXX Last updated XX/XX/XXXX Balance {$28000.00} ^ Account Details DEROGATORY Account Type Credit Card Credit Type Revolving Opened On XXXX XXXX, XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$28000.00} Highest Balance {$28000.00} Credit Limit {$20000.00} Monthly Payment Account Credit Usage You are using {$28000.00} out of your {$20000.00} Credit Limit XXXX {$0.00} Credit Limit : {$20000.00} XXXX - XXXX Last updated XX/XX/XXXX Account Details Account Type Credit Type Opened On Closed On Ownership Current Balance Highest Balance Credit Limit Monthly Payment DEROGATORY Credit Card Revolving XX/XX/XXXX XX/XX/XXXX Individual {$12000.00} {$12000.00} {$500.00} XXXX  XXXX - XXXX Last updated XX/XX/XXXX Account Details Account Type Credit Type Opened On Closed On Ownership Current Balance Highest Balance Credit Limit Monthly Payment Balance {$3100.00} DEROGATORY Credit Card Revolving XX/XX/XXXX XX/XX/XXXX Individual {$3100.00} {$2600.00} {$2000.00} XXXX XXXX  XXXX XXXX Last updated XX/XX/XXXX Account Details OPEN Account Type Auto Lease Credit Type Installment Open Since XX/XX/XXXX Ownership Individual Current Balance {$35000.00} Highest Balance {$110000.00} Remaining Term 10 months Monthly Payment {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Last updated XX/XX/XXXX Account Details DEROGATORY Account Type Auto Lease Credit Type Installment Opened On XX/XX/XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$21000.00} Highest Balance {$36000.00} Original Amount {$36000.00} Term 36 months Remaining Term 4 months Monthly Payment - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Last updated XX/XX/XXXX Balance {$20000.00} Account Details DEROGATORY Account Type Auto Lease Credit Type Installment Opened On XX/XX/XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$20000.00} Highest Balance {$52000.00} Original Amount {$52000.00} Term 36 months Remaining Term 4 months Monthly Payment

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 2024-06-30 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 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.

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 2024-06-30 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: TX

Complaint narrative:
On XX/XX/XXXX I sent Experian explaining to them that I recently challenged the validity of a few accounts thats being reported on my Experian credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian company they verified these same accounts. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, however Experian never showed any proper documentation to verify these accounts. Since I sent Experian the proof that XXXX deleted the accounts that they found to be inaccurate, Experian has not resolve this issue and its been more than 30 days. I'm demanding EXPERIAN to DELETE these following accounts from my credit report immediately : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX

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 2024-06-30 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: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX 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 XXXXXX/XX/XXXX

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 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year> ( around this date, but definitely in late XXXX ), Chase Bank informed me that they were going to close my account without providing a reason. They stated that the decision was final and my remaining balance would be sent to me by check. 

However, when I received the check, I realized the amount was incorrect. One of the wire transfers sent to me from XXXX was not included. When I called Chase to inquire, they said the sender needed to verify that she had willingly sent the money. The first person from the Chase fraud team told me that the sender needed to call Chase with a U.S. number to confirm the transfer. Since she was in XXXX, this was not possible. 

She finally came to the U.S. in the fall of XXXX  and called Chase, but they said it had to be from a verified phone number under her name. For some reason, Chase was unable to verify it. During this time, I worked with four different bankers from various branches. They escalated the case to the management and fraud teams, but no one could help. Each time the bankers called, they were provided with different answers from the call center, such as suggesting the sender recall the transfer so the money would return to her XXXX  XXXX XXXX account ( which we tried, but Chase wouldnt send the money back ), or that XXXX  XXXX XXXX needed to call and verify the transfer ( which is a service overseas banks do not provide ). 

The sender had to return to XXXX for a while but came back this year and got another U.S. phone number using her passport. When I went to Chase, the banker helped me call the fraud team and provided them with the new phone number. Yet, the fraud team still couldnt verify her identity. My banker was frustrated and speechless at this point. The banker then suggested that the sender become a Chase customer to verify her identity through their system. Despite following this suggestion, the fraud team still couldnt verify her identity. 

It has been a year, and both the sender and I just want to retrieve my money. The wire transfer was made on XX/XX/year> for the amount of {$4000.00}. 
The wire was made on XX/XX/year> in the amount of {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX

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 2024-06-30 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
I received an email that said, We, hereby are obligated to inform you that you are going to be legally prosecuted in the Court House within a couple of days. So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with our clients XXXX XXXX. At this point, you have made your intentions clear and leave us no choice but to protect our interest in this matter. Due to delinquency in repaying the amount you owe ; we are going to file this case at your district courthouse. You will be served with a subpoena to appear at your district courthouse in next 3 business days. 
*I dont even have proper or trustworthy contact information to address this, I dont even live in the state that this is allegedly located.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
I XXXX seen this account pop up on my credit report. I have reached out to request information several times, the last time was last month and still I have nothing. The credit reporting agency did not do anything to correct this inaccuracies. All I got back was a letter stating verified and balance updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: GA

Complaint narrative:
I am writing to formally dispute the inaccuracies on my credit report related to five alleged debts that Experian claims are valid. Despite my good faith efforts to resolve this matter, Experian continues to report these accounts, which I have identified as being due to identity theft. 

An FTC report is attached to this complaint. Experian is expected to adhere to the contents of this report and take appropriate actions accordingly.

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