vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
In XX/XX/2023, my student loans were forgiven as part of the Public Service Student Loan Forgiveness Program. This has not been updated to reflect on my credit report. I have called several times. They always say it will be updated next month but it never is. The last time they reported to the credit bureaus was XX/XX/2023. That was six months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I deposited a check with my friends name and it was bounced, my account was closed, then I came to branch they told me they need signatures of my friends to be able to legally deposit. Then I let them signed it, went to branch located at below address. 
XXXX XXXX XXXX XXXX, MA XXXX United States The lady who works there doesnt know that a check cant be deposited twice even if its legal but she still deposited it and told me it was fine. After 2 weeks I was told the check was bounced and I have to get a new check or they need both of my friends came to branch in person, however, they have left the country for a while and wont be back for years. 

They knew it cant be deposited twice and now my fund is still at somewhere I dont know and nobody is being responsible for this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: GA

Complaint narrative:
On XX/XX/24, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

The credit bureaus had 30 days and didnt remove any inaccurate information from my credit report. They are in VIOLATION of this law because I am a victim of identity theft. Please delete these items 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 2024-02-10 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I spoke with an XXXX Supervisor on or around XX/XX/XXXX at XXXXXXXX XXXX EST. I requested that XXXX remove the Non-mailable address of XXXX XXXX XXXX XXXX XXXX from my Consumer report ; I can not receive mail at the above-listed address. The XXXX agent refused my request after I informed him he was violating my rights. XXXX is willfully reporting inaccurate information, violating my rights, and is non-compliant with the Privacy Act of 1974. XXXX XXXX XXXX and NAVY FEDERAL CREDIT UNION 's terms and conditions of both Bank 's state that they will not report to a non-third-party affiliate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I spoke with an XXXX XXXX on or around XX/XX/XXXX at XXXXXXXX XXXX EST. I requested that XXXX remove the Non-mailable address of XXXX XXXX XXXX XXXX XXXX from my Consumer report ; I can not receive mail at the above-listed address. The XXXX agent refused my request after I informed him he was violating my rights. XXXX is willfully reporting inaccurate information, violating my rights, and is non-compliant with the Privacy Act of 1974. ALLY FINANCIAL INC. and XXXX XXXX XXXX XXXX 's terms and conditions of both Bank 's state that they will not report to a non-third-party affiliate.

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 2024-02-10 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: NV

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-10 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: NV

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: I.C. System, Inc.
State: NJ

Complaint narrative:
Company - I.C. SYSTEM, INC Date - XX/XX/year> Amount - {$650.00} I do not have any contracts with this company. I did not authorize this company to use my information or report it to any credit reporting agencies per 15 US Code 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

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 any such debt, in fact therefore exists.

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 2024-02-10 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: NV

Complaint narrative:
TRANSUNION IS REPORTING INCORRECT INFORMATION ON THIS ACCOUNT XXXX XXXX XXXX, WE ASK TO VERIFY THIS ACCOUNT AND ALSO THE INFORMATION THEY ARE REPORTING IS INCORRECT. DATE DO NOT CONQUER WITH THE OTHER CREDIT AGENCIES REPORTS, THEREFORE THE INFORMATION IS NOT BEING VERIFIED BY TRANSUNION.

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 2024-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
On XXXX I applied online for a title loan for {$2100.00} and finished up the transaction in person at a TitleMax location in XXXX, XXXX About a week later upon closer reading my Disclosure Statement and Security Agreement, I realized that TitleMax of Georgia , Inc. dba TitleMax violated two of my rights under 12 CFR 1016.7 - Form of opt-out notice to consumers ; opt-out methods. 

According to the agreement on page XXXX XXXXWaiver of Jury and Arbitration clause, under the Background and Scope Section, it reads : If you do not want this clause to apply to you, you have 60 days from the transaction date to opt-out. To opt out you must tell XXXX by a writing you send to the Notice Address. You must give your name address, transaction number, and date and state that you " opt out '' of this clause. You may not send your notice electronically. 

Those instructions and statements directly violate my right to opt out at any time and does not constitute a reasonable means by which to opt-out, by requiring that I can only opt out in writing. Those are direct violations as per 12 CFR 1016.7.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: CA

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Transunion, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, transunion failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXXXXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. I have contacted Transunion on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Transunion has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. I have attached copies of the relevant documents, including my correspondence with Transunion and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Transunion, including dates, reference numbers, and the names of representatives with whom I have spoken. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Transunion to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. Thank you for your time and consideration. I look forward to a prompt resolution 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 non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Goal Structured Solutions, LLC
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. 

I demand you to remove this account from all XXXX of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report. 

XXXX XXXX XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$5500.00} Highest balance - Terms 113 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$3600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$3600.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
How XXXX  is this?? XXXX  is the only appropriate word to utilize in this complaint against W.Fargo and their XXXX Complaints Management office. 
I have ben experiencing tremendous identity theft since XXXX XXXX. I had everything in place to prevent what W.Fargo allowed, specifically my W.Fargo accounts were disabled and deactivated by myself. Still W.Fargo allowed identity thieves into my Retirement Savings and Checking account to steal {XXXX}. Identity thieves took over my accounts and W.Fargo would not help me get back into my accounts, and to this day, I still have been unable to access my W.Fargo accounts.

W.Fargo determined that 41 transactions were fraudulent which totaled {$XXXX They replaced {XXXX} without notifying myself ( the account holder ) - and the identity thieves stole this also- for a total of XXXX  These identity thieves have my Personal Info. through a XXXX XXXX XXXX XXXX XXXX. Wells Fargo is aware of this- yet W.Fargo continues to allow these thieves to pass their so-called authentication process!!! Any current W.Fargo accounts in my name were not opened by me- nor do I have access to these W.Fargo accounts.

I have made countless requests for W.Fargo to not put and replacement monies in these acounts, because they do not belong to me!! And W.Fargo refuses to mail me a Cashiers Check for my monies and close these bogus accounts. And W.Fargo recently replaced XXXX}. 
XXXX more into one of these bogus accounts, and still refuses to mail me a cashiers check for my money. 
And again, I repeat my first sentence : How XXXX is This??

W.Fargo has a habit of financially rewarding Identity thieves over and over and over. Meanwhile, the customer reaps the consequences of this XXXX  Behavior @ @ @

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-10 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: GA

Complaint narrative:
On XX/XX/24, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. 

The credit bureaus had 30 days and didnt remove any inaccurate information from my credit report. They are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Amex Gift card ending with XXXX is not working at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: TX

Complaint narrative:
I've been paying on this loan since XXXX. I have now paid a total PRINCIPAL amount on this loan of {$45000.00}!! The outstanding principal originally was {$23000.00}, and I paid it between XXXX and XXXX, which left an outstanding principal XXXX. I paid it down to XXXX in XXXX of XXXX, only to see the principal magically go back up again after " Interest Capitalization '' to XXXX. I kept paying on the loan and again XXXX was capitalized, even though I continuously paid on this loan in XXXX of XXXX, bringing the balance to XXXX. I have continued to pay on this loan every month and now the balance is XXXX. Yet, I have paid a total Principal, over the life of the loan, that is 3.5 times the outstanding current principal. According to the lender, I still have 10 YEARS to pay the remaining principal of XXXX. Based on the history of my payments and principal already paid, that would amount to just GIVING them an additional XXXX!! From a loan with an original principal of around XXXX, I don't understand how this is correct or not predatory practice to have me pay the loan in full at 3x the original amount issued. Can you help me? I would like to have the remainder forgiven or discharged, since I can prove I have paid 3x the current principal outstanding.

Company response to consumer: Closed with explanation