vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I bought a XXXX  XXXX XXXX from XXXX XXXX  XXXX, in XXXX, FL. I never agreed to interest or a $ XXXX monthly payment, and I never agreed to financing through Chase Bank. I purchased the car on a XXXX  and they switched my signature and all my info over to a loan from Chase Bank, instead of XXXXXXXX XXXX XXXXXXXX Financing like they told me they were using at 0 % interest, and put my loan through to Chase Bank without my knowledge or permission that has interest on the loan. I tried to return the car within the 3 day period after buying it when I found out the car company lied to me about the terms and interest and who was going to finance the car for me. XXXX XXXX XXXX and Chase Bank Corporate both received complaints from me via telephone demanding they either comply with what I agreed to or take the car back. They both refused and told me that because my signature was on the paper, they didn't have to do anything. I confronted the salesman and the manager at XXXX XXXX  XXXX demanding they fix it or take the car back. They told me the salesman tried to put it through XXXX XXXX  XXXX XXXX at 0 % interest like I agreed to, but it wouldn't go through, so he put it through to Chase Bank without my knowledge and it included interest and a higher payment. They said because he used my signature the only thing that mattered was that my signature was on it, so they didn't have to do anything. I told them I don't want to pay interest because of my religious beliefs, XXXX - while I was in the store on Sunday buying the car. They also later told me that since he did the paperwork on XXXX, the computer didn't catch it, so it went through. When I went to the XXXX, they told me that XXXX XXXX  XXXX submitted paperwork to them that said I was only LEASING the car and I was leasing it through XXXX XXXX XXXX XXXX and when I " was done making the leasing payments they would give me the title to the car ''. The XXXX employee at the Tax Collector 's Office turned the computer around and showed me where it said XXXX XXXX  XXXX Financing. When I confronted the dealership they said they didn't have time to fix the records they submitted for the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On my Transunion, XXXX, and XXXX Credit score does not goes up, when new accounts added to credit report. Also, XXXX XXXX  account was removed from my Transunion and XXXX credit report without my knowledge. I'm requesting for thee XXXX to be added back to my Transunion, and XXXX 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 2023-10-13 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: SC

Complaint narrative:
On my XXXX, Equifax, and XXXX Credit score does not goes up, when new accounts added to credit report. Also, XXXX XXXX  account was removed from my XXXX and Equifax credit report without my knowledge. I'm requesting for thee XXXX to be added back to my XXXX, and Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: Nelnet, Inc.
State: NJ

Complaint narrative:
My loans stayed closed but I still have a balance with interest accumulated. I tried to call multiple times but cant get a live person to explain to me why the account is closed but still have a balance that accumulating intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ENHANCED RECOVERY CALLED ME ABOUT A DEBT AT FIRST I DIDNT KNOW WHO OR WHAT THEY WERE BUT I SETTLED THE ACCOUNT THINKING IT WOULDNT REPORT OR MESS UP MY CREDIT REPORT. THE ACCOUNT ENDED UP HIT MY CREDIT PROFILE AFTER I PAID THE ACCOUNT OFF AND I CALLED THE COMPANY AND I TRIED TO RESOLVE IT BUT THEY TOLD ME THEY COULDNT. OTHER CREDIT INQUIRIES THAT ARE NOT MINE AND ARE REPORTING FRAUDULENTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX of XXXX  Capital One credit card company requested my date of birth for the account. I provided the information three times, before their stated deadline. I received a call that the info was finally received by them on XX/XX/XXXX, before the deadline of XX/XX/XXXX. They closed the account anyway without notification to me. We have requested that the account be reopened. Every time I call to find out the status of reopening the account we are told it's still being worked on. I have been given a case number and contact person, but have no way to actually get back in touch with the contact person. I just called for another update and was told that the account still does not have my date of birth on record. Today is XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I calculated the amount of interest that I was being charged on my last month 's statement and I believe I am being overcharged by around XXXX % based on my calculations. I believe the payment I made was not accounted for when calculating the daily interest and this resulted in the XXXX % higher interest charge. If the credit card company is doing this to thousands of people that would be a problem and I think it should be looked into.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Re : Scam email, Exposed NAVIENT Personal Account Information. 
NAVIENT is not protecting my personal account information. I received an email from : XXXX, requesting I call to complete an application for loan forgiveness. 
The contact phone number given is XXXX. 
The email instructed me the call to speak with XXXX XXXX. 
I did not apply for loan forgiveness, ever. 
I have not contacted the sender of the email, nor have I called the phone contact number listed in the email. 
By not securing and protecting my personal account information NAVIENT and, or the private lender, or private university has exposed me to probable future attacks from those seeking to perpetrate criminal acts on the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sat on the phone for 2 hours waiting for someone to assist on XXXX. No one picked up. Automated voice from XXXX said wait time 30min. 


Last week sat on hold for over an hour. No one picked up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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.

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for this consumer reporting agency to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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.

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for this consumer reporting agency to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank committed security fraud, by accepting XXXX XXXX credit card, and making multiple trust acts with XXXX, XXXX, and other corporations that Citizens Bank created agencies with through advertisement, which caused Citizens Banks breach of fiduciary duty, in malice. SEC Rule 10 b-5 Citizens Bank malfeasance in public office during XXXX XXXX consumer transaction proved willful non-compliance. 15 U.S. code 1681 b, 3-603, UCC-3 104

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: OR

Complaint narrative:
Capital One had a data breach in XXXX. A class action lawsuit was filed and I just found out about it. I called the company 's listed number for the settlement ( XXXX ) today - XX/XX/XXXX. The representative on the phone told me I am not showing in their database. I had them check my maiden name, which is XXXX and she was able to find me in the system. I changed my last name 6 years ago and updated the company and cards at that time. That was odd to me, that my last name was not updated. 
The representative confirmed with me that I was in fact affected by the data breach, and that I should have submitted a claim. She claims I was sent and email. I told her I never received an email. She said it was sent to my email, which she and I both confirmed was accurate. I went through all of my emails ( which I always archive if they have to do with banking/credit cards/payments/notices ) and I never received one. She told me that it was too late to file a claim, as the due date was XX/XX/XXXX. 

I don't understand how they can easily find me to market to me, send me credit card offers in the physical mail, remind me to pay my card, and confirm payments, but not get in touch with me to let me know that my data was compromised and that I was entitled to settlement money. 

There are a lot of folks that are just now hearing about this, and have the exact same experience as myself. I have two credit cards with Capital One, and both of those accounts have been open for over 10 years. I feel like this was purposeful negligence and I would like to be able to submit a claim or be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I sat on the phone for 2 hours waiting for someone to assist on XXXX. No one picked up. Automated voice from Nelnet said wait time 30min. 


Last week sat on hold for over an hour. No one picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: FL

Complaint narrative:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I reported back in XXXX that several fraudulent cards were opened under my name. I explained to Capital One that these were opened without my authorization and using my stolen SSN. They said that I shouldnt worry and that all of those were closed. 

Flash forward, I get a small claims complaint against me for an amount owed on XXXX of the cards, I called Capital One and they said they couldnt do anything and that I have to wait XXXX  days for the new fraud claim. I asked them to get in touch with the legal firm representing them to cancel the court filing, they said they couldnt, I asked them what could I do, and they said thats not on them an to wait. 

I also have a lawsuit ( criminal ) because those who opened the cards, not only obtained goods, but used stolen bank accounts to pay and keep using them. I explained the situation and that I need a letter from them saying that they have been closed and that there was a fraud claim. They said to keep calling and to wait XXXX  days, not even saying that my lawyer will contact them, they said they would do something. 

Im requesting them, not only to close the accounts, but also send letters for my lawyer to use for my defense. And get this solved urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: CA

Complaint narrative:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list them below. When you get this omplaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: CA

Complaint narrative:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list them below. When you get this omplaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my 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 2023-10-13 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: Nelnet, Inc.
State: MA

Complaint narrative:
I tried to make a payment to my Federal Student loan through my loan service Nelnet. I tried to make payments on three different occasions : XX/XX/, XX/XX/, and XX/XX/. All three times my payment was returned becasue, according to Nelnet, the " payment could not be processed by your financial institution. '' I called my banks ( I used two separate accounts at two separate institutions to try to make the payments ) and neither one of them had received a request for payment from Nelnet. 

I tried to call Nelnet to handle the situation on XX/XX/XXXX and XX/XX/XXXX. I was not able to reach a customer service representative after 3 hours of hold time. I also emailed them on XX/XX/XXXX and received an automated message stating that Nelnet was not able to answer my email. 

I am concerned this will lead to late fees. Hoping the CFPB can help resolve the issue.

Company response to consumer: Closed with explanation