vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The account in question violates my rights as a consumer and pursuant to the Family Educational Rights Privacy Act ( FERPA ) the information from this account that appears on my consumer report was disclosed without consent to unaffiliated parties and violates the legal authority pursuant to 20 U.S.C. 1232g ; 34 CFR Part 99. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Family Educational Rights Privacy Act ( FERPA ) to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NY

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 2024-01-11 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: NY

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capitol One put me on a payment plan option to help make payments without late fees. I made 3 payments between XXXX and XXXX. They reported me as 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NV

Complaint narrative:
I pulled my credit report and notice inaccurate information

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 2024-01-11 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: NV

Complaint narrative:
I pulled my credit report and notice inaccurate information

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I has a credit card with XXXX which suddenly went out of business and canceled my credit card. I have no balance. My credit card went down XXXX pts. I did not cancel the card. There is no longer a store. Why should I be penalized?

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 2024-01-11 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: WI

Complaint narrative:
I have a XXXX account that is through XXXXXXXX XXXX XXXX company. There was a balance on my account that I reported as fraud ( identity theft ) for a purchase that I did not make. I contacted the company ( XXXX ) and also XXXX. They said they would look into it for me. XXXX determined I did not make the purchase because I've always paid for whatever I ordered through them in a timely manner and my account balance is XXXX. XXXX shows on my Experian report as saying the charge was accurate ( which is not true ) and they have refused to delete the charge which is killing my credit score. I have uploaded my XXXX account to them but I do not trust them anymore. I have been a victim of identity theft in the past and it's not good and it's really hard to recover from that. I've been working so hard to get my credit back up and I try to make all my payments on time and pay things off as quickly as I can. I want my credit report score to be back over XXXX which it was prior to this fraudulent charge showing up on my name. XXXX is not doing a diligent job of accurately finding out what happened. I have not been given any proof that I made a purchase and have not seen a product for the price. I did not purchase any type of Internet service from 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 2024-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Tebo Financial Services, Inc.
State: OH

Complaint narrative:
To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NY

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2024-01-11 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.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay on time and never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: GA

Complaint narrative:
I am reaching out concerning unauthorized inquiry made on On XX/XX/2024 by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX. I received a notification regarding a hard inquiry reported by XXXX XXXX. I contacted XXXX XXXX  directly and they denied having pulled my credit report. Equifax however verbally verified that there was a hard inquiry from XXXX XXXX. I did not apply for credit nor give XXXX XXXX  consent to pull my credit. I am demanding that this hard inquiry be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Arcstone Financial Inc.
State: CA

Complaint narrative:
I was requesting a home loan in the amount of {$100000.00} from loan officer XXXX XXXX, who filed an application with Arcstone Financial. 
I was told the minimum loan amount would have to be {$170000.00}. I declined, but despite canceling this initial application, an appraiser was sent to the property and did an appraisal. I received an invoice for {$630.00}. Loan officer XXXX XXXX told me not to pay it and was looking for another loan option. Not succeeding in finding another loan option, he went back to Arcstone Financial and filed another application. To save time, I was told to pay the initial appraisal, and that he would have it transferred, as it was for the same property. 
Arcstone Financial refused a transfer and made me pay for a new appraisal, which was an additional {$450.00} to start the entire application process anew. 
Loan officer XXXX XXXX said in XX/XX/2023 that he will take care of the additional {$450.00} and reimburse me. This has not happened thus far. 
This delay of " non-transfer '' caused the 30 day-Escrow window not to be met. 
Due to this delay, I was charged {$1000.00} by the seller for a one week extension. 
Not accepting an appraisal that was already done for the property, and was already paid, is rather absurd. I am not willing to pay the penalty either, as it was not me causing this delay. My request for a {$100000.00} loan amount was also not met, and the second application was once again only granted for {$170000.00}. 
I am hereby requesting a refund in the amount of {$1400.00} from Arcstone Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1099a was sent to XXXX  with no response more than 120 days ago. please see attached copy

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
1099a was sent to ally with no response more than 120 days ago. please see attached copy

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 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Greetings, my situation is that I am using this app called Robinhood to deposit money for crypto and to invest. Around XX/XX/2023 I lost my phone ( XXXX XXXX ) which is linked to my Robinhood account. Quickly after losing my phone I purchased a new phone ( XXXX XXXX XXXX ). Around the same time, my Robinhood account got restricted for no reason on XX/XX/2023 after I had a deposit come to my account for {$6500.00} in Bitcoin. Thankfully I was able to withdraw the money to my bank account on my windows computer, which is also linked to my account. Prior to getting restricted on the app, I had around {$3500.00} in crypto ( XXXX XXXX ). Im bringing this up because now I can not withdraw my money from the platform due to the restrictions.. Ive been calling the support line for days now because the support team and in the app says it can take 7-10 days to resolve.. Well its been more than 10 days and I keep getting the run around everytime I get on the phone with support and they keep asking me to verify the same information that I keep providing.. I uploaded a previous bank statement, current drivers license and did face recognition to prove that its my account, but its still restricted.. Everytime I call the support they wont give me a reason to why its still restricted after all I provided and they tell me the same thing on the phone..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXX ACCOUNT ENDING IN XXXX IS NOT MINE ACCOUNT I SENT A DOCUMENT FROM THE CREDITOR WITH THIER RESULTS. EXPERIAN DIDNT DELETE THE INFORMATION

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 2024-01-11 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: NY

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NV

Complaint narrative:
I pulled my credit report and notice inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have paid over XXXX loans on this account I got a email that I had until the XXXX for one the loan I have left to pay and were on the XXXX I receive email saying I had until the XXXX to come up to date with my payment which am here on the XXXX fixing my past due and being up to date and I see my account charged off! Am not going to have you guys ruin my credit and lie and say charged off when am here in the time frame to fix things I been over two hours on phone trying to fix this issue thats completely not fair to a long term good customer! Your system is lying and glitching I had until XXXX to fix your rep also said the same email that I was sent from you guys said the same fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NY

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-11 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: NY

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Client Services, Inc.
State: MI

Complaint narrative:
Hi my name is XXXX giving you a call with client services in reference to your existing credit card account it is showing here in our system that your interest rates are going to be increasing on your next monthly billing cycle I see that you are eligible for XXXX XXXX interest rate for what I'm going to do is put this in a pending status until you give us a call back I can be reached at my direct line which is XXXX again that number is XXXX you can speak with me or any of my colleagues thank you and we will speak with you soon This is the XXXX i received and think its a scam. Phone number XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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:
Please note this account is not mien and the company doesnt provide me any proof. i need this account deleted i am attaching all proof i have. MY address is XXXX XXXX  XXXX XXXX XXXX  XXXX  fl XXXX Account number name & # 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 2024-01-11 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: PA

Complaint narrative:
It is impossible to get in contact with anyone to figure out why my income based repayment is over XXXX dollars. 

I resubmitted my application with tax/income info and the company emailed me stated they did not receive my info even though I uploaded right to Nelnet.

Customer service is not possible to talk to.

They dont answer emails.

My payment is all over the place and I was not notified of such a high payment when I barely worked last year.

Also when my repayment begins is changed every time I reload the page.

I need help getting this straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
Called my father from an unknown number claiming that I had a legal matter pending and gave them a case #. Told my father if I did not contact them within the next 10 minutes he would be served with paperwork for me and my wages could be garnished. Gave them a number of XXXX to call back. I called them back was asked for the court case number and then transferred to a XXXX XXXX who tried verifying my social security number but it was wrong, then gave me the right one. Then proceeded to tell me my birthdate. I asked what this was about and why they were threatening me said that it was a process server who contacted my father and not him that he doesn't have the availability to do that. Tried to say XXXX XXXX  XXXX XXXX was stating I had a deposit by XXXX that needed to be paid and it was charged off in XX/XX/XXXX. In which I told him I did not have a XXXX account at that time and that debt is not valid. He said I would just need to go to court and where could he send the process server because if not I will be served at work. He then hung up. I called back asked for the company name which they advised AMSHER. I have not had a XXXX account since XXXX  not sure what they are speaking of and using tactics to scare my father that they are the government and will serve him is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation