vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I received via e-mail a pre-approved credit card offer from Chase Bank NA. The offer included 9 different card choises all pre-approved. I called Chase Bank on XX/XX/XXXX to inquire if the pre-approaval process required obtaining a credit report. The supervisor i spoke with said " the offers are NOT pre-approved and would require obtaining a hard pull credit reoprt. 

I am a retired XXXX XXXXXXXX and well versed in the credit decision making process. A creditor has the right access the credit risk of a consumer before issuing a credit card. In this case however the promotion does not state pre-approval is subject to hard pull credit file which could negatively affect a consumer 's credit score. Therefore the term PRE-APPROVED is misleading and either say offer subject to credit approval or they should use the term PRE-SELECTED which has a different translation. 

Banks offering credit card promotions such as the offers presented to me incdicate they already use previous history and prior to the offer obtained a soft pull creditl report. The attachments all Pre-Approved. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: MO

Complaint narrative:
This is what happens when fraudulent company 's business are allowed to operate, THERE STILL ONCE AGAIN WORKING ON THE ISSUE, LIE LIE LIE LIE LIE LIE LIE LIE LIE, nothing but a stall tactic

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I had a balance with a Navy Federal credit card that I paid off IN FULL. My credit report states that {$11.00}, XXXX was written off. That information is inaccurate. I paid that in full. I have disputed this, but it remains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-19 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 

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 explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am not liable for this debt with, ASSETCARE LLCI do not have a contact with, they did not provide me with the original contract as I requested. I demand this account to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate 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 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
1. XXXX XXXX XXXX my loan was discharged in full. Nelnet still shows it being owed in full and they are showing me with 2 months of non-payment and interest accruing. 
Nelnet. When you email them after a week or so you get a reply stating " we're too busy to reply to your email sorry ''. Been emailing since XX/XX/XXXX. 
Have called several times starting XX/XX/XXXX, yesterday was on hold for 2 1/2 hours to speak to supervisor and they said " we see the letter and we agree your loan is discharged but another department updates the balance due and we're having issues right now making that work '' ( keep in mind it's been since XX/XX/2023 ). I asked the supervisor if it was going to be weeks or years until it's resolved and she said " she has no idea ''. She said she would personally take it on and look into this specific case and see if she could fix it and would call me back today... .that was XXXX days ago. 
2. Studentaid.gov - supposed to be the safety for issues like the one above with Nelnet. They are actually worse, Nelnet will answer the phone after an hour or two, Studentaid.gov number just hangs up on you saying " we're super busy, try again anotehr time ' ... and that has been the response for months now. When you fill out the compliant form on Studendaid.gov you get an email response with a case number and the statement " you will recieve a reply typically within 15 days ' ... .the case I filed in XX/XX/2023 was just closed with no response or reply at all. Same when I thought it was a glitch and filed again in XXXX ... .they just delete them to get the numbers down and don't actually do anything. 
So here I'm stuck with a loan servicer that can't reconcile my loan balance after almost 3 months, a supervisor that lied about a callback and solution, multiple multiple hours on hold ... .late payments going to show up on my credit report and the government safety net Studentaid.gov is complicit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: SD

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Previously took out a loan and lost my job. I wasn't able to pay the remaining amount due to that I was told at the beginning of my loan that if anything was to happen as such I would be covered through the insurance I signed up for. One main financial took me to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am reaching out for assistance once again as CapitalOne has allowed the fraudster to close my XXXX credit card account and continuously allows the fraud person to change my profile information and grant them access online. I have done EVERYTHING I can to mitigate this and each time CapitalOne one security measures fail me. This has caused my life so much stress to the point on breakdown and tears. It is very disheartening and I'm certain I'm not the only one dealing with this. I have provided verification numerous times and time and time again they still accept the old ID. There has to be a better way. As a long time customer of CapitalOne one it male 's me very unhappy to get to a point where I need to dissolve my relationship because of security issues and the lack thereof. At this time I want to make sure any charges on ALLL card I have/had with CapitalOne one after XXXX are flagged as fraud. I have not had access to my cards or online profile since XXXX. ANY amd ALL charges on the Quicksilver and XXXX card after XXXX are fraudulent and need to be adjusted as such. I would also like for a supervisor, manager, CEO to contact me and get this matter resolved. CapitalOne one has to find a better way to protect customers because what's in place now IS NOT WORKING Most recent claim numbers Case number XXXX Claim number XXXX Claim number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 

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 2024-01-19 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-19 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: PA

Complaint narrative:
I reported on numerous occasions that i have infomration on my credit account. Fraudlent activity relating to accounts, XXXX now has confrimed that all of my personal infmation was involved in a big data breach and my personal infomation was compermised. ( social, bithday name etc. 

I have requested to have items removed it is affecting my credit, they have not removed them off of my account.

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 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: VT

Complaint narrative:
On XX/XX/XXXX, I received a Chime transfer of {$600.00}, which I promptly opened a Chime account to store. I was informed I would receive {$15.00} to open this account. 

On XX/XX/XXXX, I initiated a transfer from my Chime account to my bank account. 

On XX/XX/XXXX, I was notified by email of the abrupt closure of my Chime account. 

On XX/XX/XXXX I was informed by Chime support on the phone that a check for the sum of {$600.00} would be mailed to my address within 30 days from the account closure date. 

On XX/XX/XXXX, not having received a check, I called Chime. I was informed that no check would be mailed because my account is not eligible for a refund. They also refused to escalate my call to a manager. 

They just ate my {$600.00}! How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please take a look at my credit information with Equifax XXXX I am in the process of purchasing a home and the lenders can not pull my Equifax report. I have called Equifax numerous of time and have not gotten any satisfaction. Can you please help me and remove anything that is blocking my credit report. 


Thanks in Advance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
The merchant that Greensky funded was NOT in good standing with the State of California Contractors ' Licensing board and Greensky should have never offered funding option to that merchant or to us. The merchant had multiple complaints against it, yet Greensky offered funding. Per Greensky merchant agreement, the merchant was to be in good standing at all times in order for Greensky to offer financing to consumers. Greensky failed in their due diligence to ensure the consumer was protected from fraudulent merchants. The merchant in question, XXXX XXXX XXXX XXXX XXXX, has had their license suspended and per the State of California Contractors ' Licensing Investigator, their license will not be placed in good standing, and they will never do business again. We as the consumer are now out of a warranty for the product. Greensky 's negligence has harmed us, and we are asking for a review of the account and a credit placed on our account for the warranty and product we did not receive/request. There are also still issues with the installation and we have no way of having it fixed through the merchant Greensky guaranteed. There are still multiple complaints pending against XXXX XXXX XXXX XXXX XXXX, including ours, with the State of California Contractors ' Licensing board.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed incorrect information in the public record. It continues to report inaccurate information. In addition this is over seven years old.

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 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: KS

Complaint narrative:
I had a loan with One main Financial during the time-frame listed in their most recent lawsuit. I was urged to purchase additional add on products that were then added to the cost of loan. I recently found out they have been found guilty for the same actions that they ascribed to me. I had several loans at the time with similar issues on all of them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Your agency 's blatant negligence has driven me to a state of severe distress and frustration. A recent investigation into my credit report unearthed a cesspool of unverifiable, invalidated, inaccurate, and questionable items, casting a dark shadow over my financial well-being and mental health. 

The Fair Credit Reporting Act explicitly mandates that every entry on a credit report must be 100 % accurate. Yet, the accounts under your jurisdiction, as highlighted in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in direct violation of this fundamental requirement. 

The impact of your agency 's incompetence on my life is immeasurable. I am attaching copies of all previous communications, which outline the egregious discrepancies that demand immediate rectification. 

I demand swift and decisive action to correct these violations. Failure to address this matter promptly will leave me with no choice but to pursue legal avenues to enforce my rights under the Fair Credit Reporting Act. 

I anticipate your immediate attention and corrective action.

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