vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

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

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 2023-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NE

Complaint narrative:
Nelnet took {$200.00} on XX/XX/23 from my account after my loan was transferred to a new servicer and has not responded to my messages. The {$200.00} was not transferred to my new servicer or given back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I just noticed that each month on the Care Credit card statement there is a charge of {$160.00} for XXXX XXXX. I asked the card company what this was and they said it was an optional service that was offered by another company. They gave me the telephone number to call. I spoke with a representative, XXXX, who said that this service was initiated when we first applied for the card and it was approved electronically. I requested that proof of this application for this service be supplied and she said she could not email it, that it will be mailed in XXXX business days. When I asked what we should do if we don't get it she said to call back and request again. I demanded that this service be immediately terminated as it was not authorized. She continued to say that it was a part of the application submitted. There is no way that we would have signed up for this and everything I have read shows that it is a deceptive practice imbedded in the application that many people fall prey to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: DC

Complaint narrative:
I do not recognize these credit inquiries and I asked for them to be remove and the bureaus did not do as I asked. I'm providing an identity theft report and I'm requesting that they be removed because they are inaccurate and not mines.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern : Approx. In XX/XX/, I sent a dispute requesting to remove bankruptcy from my report for inaccurate information. XXXX states that the U.S Bankruptcy Court reported to them that I have a bankruptcy and that it was accurate information. Therefore, they will not be able to remove this information. I have received a letter from the United States Bankruptcy Court stating that they DO NOT report any information to consumer agencies. This is a fraudulent act of using my information illegally and a right to consumer privacy. Please be so kind as to see 15 USC 1681a ( 4 ) and 15 USC 1681 I ( 7 ). Therefore, there is a willful non-compliance 15 USC 1681n with the consumer agencies TransUnion and XXXX because there is a refusal to remove the inaccurate information from my account. Please see 18 USC 242. Secondly, XXXX is reporting personal auto policy information such as my driver 's information, address, car information, and family members without my knowledge. I am requesting that these consumer agencies delete the information in this complaint immediately from their reports. 

Thank you for your help in this matter. 

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 explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I am writing regarding the recent notice I received from my credit card company, CITI, requiring me to agree to receive statements and legal notices electronically in order to maintain digital access to my account. I believe this policy may be illegal for the following reasons : CITI 's policy requiring consent to paperless statements or else face denial of access to my account information appears to contradict consumer protections under ESIGN, TILA, and the FCBA. I urge you to look into this matter to ensure companies are not unlawfully coercing consumers into electronic contracts. Please let me know if I can provide any additional information. Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX 

CITI 's ACTUAL DEMAND FROM RIGHT NOW : -- -- -- -- -- -- -- -- -- -- -- -- -- Action Needed : Agree to go Paperless to maintain digital access to your account ( XXXX ) Were requiring you to go Paperless to maintain digital access to your account ( s ). This means your statements and legal notices will be provided only on Citi.com and the Citi Mobile App.

Not ready? We will remind you one more time. After that, authorizing Paperless Statements and Legal Notices will be required or you will not be able to access your account ( s ) on Citi.com and the Citi Mobile App to make payments, view transactions, or use any other digital features. 

After selecting 'I Authorize ', you can always switch back to paper delivery on your 'Paperless Settings ' screen and maintain digital access. Go to 'Services >> Statement & Documents ' on Citi.com or 'Profile >> Statements & Communications Preferences ' on the Citi Mobile App .

Paperless delivery is secure and convenient.

Automatically receive payment due reminders on credit card account ( s ) Immediate access to past 24 months of statements ( 12 months if not Paperless ) No statements will be lost or stolen in the mail By clicking " I Authorize '' I agree to the Paperless Terms and Conditions and understand that I will receive my statements and some legal notices electronically only instead of through the US mail. The Paperless Terms and Conditions provide more details, including the system requirements to view documents, and how to get a paper copy or cancel Paperless. I also agree to the Alerts Terms and Conditions and understand that Citi will send me an email alert five days before my credit card payment is due.

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 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase cashed a check ( already cashed by me at my bank ) to a thief I had already mobile deposited.

I am an account holder of XXXX XXXX XXXX. I mobile-deposited a check on XX/XX/2022. Over a month later, a thief stole this already deposited check. The thief went on to fraudulently cash this same, now invalid check at Chase Bank ( I am not an account holder at Chase ) on XX/XX/2022. Chase Bank did not take any action to recognize that the check had already been deposited ( and was clearly marked for Mobile Deposit ) and was invalid. Rather, Chase notified my bank who then deducted the amount cashed by the thief from my XXXX account. I have been working in good faith to recover this loss but has not experienced sufficient commitment from Chase to rectify the matter. Chase could have easily prevented this loss by practicing minimal levels of diligence to note that this check had already been deposited prior to the thiefs cashing and checking a form of identification prior to cashing the check. They failed and will not assist me in recovering these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted several disputes and nobody seems to be reading my statements regarding the disputed closed accounts. Which are preventing me from accessing credit. Lawfully, the public has no ability, therefore no obligation to pay debt, per the removal of Gold Standard. As per 12 USC-1431, Banks are the borrower. As per 42 USC-408, requiring my Social Security Number, if not for financial transaction, is a crime. As per 15 USC-1602g, the Consumer is actually the Creditor. As per 31 USC-5118 & House Joint Resolution 192, all public debts are the obligation of the United States Treasury & Congress and must be discharged Per Public Law 73.10. As per UCC1, UCC11, the disputed accounts are not listed. UCC3-104 negotiable instruments, promissory notes are legal tender once signed & satisfied once securitized/monetized per UCC 3 ( 3-104,3-304,3-310 ). XXXX update all the disputes immediately, however Experian has not addressed my several disputes directly, only send me a generic response stating the accounts have been confirmed and updated not regarding my dispute. XXXX has been very slow to update or process my request, but Experian has failed to properly investigate/ read my disputes so I must complain.

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 2023-11-03 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: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: TX

Complaint narrative:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX EQUIFAX XXXX XXXXXXXX XX/XX/2023 XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: VA

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # : XXXX, Account # : XXXX, Account # : XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: VA

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # : XXXX, Account # : XXXX, Account # : XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I tried to unfreeze my credit at Transunion. I logged in and was emailed a two factor identification code. My identity verification failed and I was advised to call a number. After several attempted calls, I finally got through ( line disconnected and guided to a text service that told me to call the same line ) to a foreign call center. The person was sounded fishy and I was worried that he was fake and it was a scam. He gave me an email address to send personal identification material to which seemed fake. He would not send me an email to fill out. I could not upload this information on the transunion webiste. He then gave me a phone number to call to unfreeze my credit after I complained that he sounded fake. 

I called the number and I could not reach a person to unfreeze the credit. The phone automated call just looped around and hung me 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 2023-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: FlexShopper, Inc
State: MS

Complaint narrative:
XX/XX/ RE : Discrepancy and Billing Issues with Flexshopper - Urgent Resolution Required Dear Flexshopper and XXXXXXXX XXXX in XXXX, XXXX XXXX XXXX I am writing to address a concerning issue I have encountered regarding my recent transactions with Flexshopper. I have reached out to your customer service on numerous occasions, both through phone calls and emails, with no satisfactory resolution. The handling of this situation has left me deeply dissatisfied and frustrated. 
Upon reviewing my bill, I noticed a significant discrepancy. I have attached the invoice from XXXX XXXX in XXXX, Mississippi, dated XX/XX/2023, which clearly shows my purchase with an Invoice Total of {$330.00}. However, Flexshopper 's records indicate a significantly higher amount, which is both inaccurate and unacceptable. 

Furthermore, my credit has been checked three times for a single bill, which has negatively impacted my credit report. This was caused by an erroneous charge on XX/XX/2023, when I did not receive any service due to the unavailability of the tires at the XXXX, Mississippi XXXX location of XXXX XXXX  These issues have caused severe inconvenience and distress. 

I have made multiple visits to XXXX XXXX in an attempt to rectify this situation, which should not have been necessary in the first place. I believe that this discrepancy, coupled with the impact on my credit, reflects poorly on the professionalism and integrity of your company. 

I have attached my lease agreement with Flexshopper innpurchasinf tires with XXXXXXXX XXXX XXXXXXXX # : XXXX, as evidence of the actual transaction. 

I am determined to settle this bill promptly, but I refuse to pay the incorrect amount of {$670.00}. Additionally, I intend to dispute these inaccuracies with all relevant credit bureaus. 

It is imperative that this matter is handled promptly and efficiently, as it is evident that some individuals within your company are not fulfilling their responsibilities. 

I request an urgent resolution to this issue, and I hope that this letter will serve as a catalyst for addressing these discrepancies and restoring my faith in your services. 

Sincerely, Email : XXXX Phone : ( XXXX ) XXXX [ Attachments : Invoice from XXXX XXXX  ] CC 'd : * Corporate Office * XXXX XXXX XXXX XXXX XXXX * XXXX, NY XXXX * Customer Service : ( XXXX ) XXXX * XXXX * XXXX * XXXX * XXXX * XXXX * XXXX

Company response to consumer: Closed with explanation