vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
15 U.S. Code {$1600.00} XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Student loans have verbiage stating payments begin XXXX 2025. There are no more payments due at all. NO MONEY IS DUE ON THESE LOANS

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Student loans have verbiage stating payments begin XXXX  2025. There are no more payments due at all. NO MONEY IS DUE ON THESE LOANS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
After reasoning, reviewing my credit report, I noticed an open account that I did not authorize. I did not open an account with Zales Comenity Capital Bank on XX/XX/XXXX. The only account I have with Comenity Capital Bank that I am aware of is the account that I authorized on XX/XX/XXXX. Some how my account got mixed up with some elses account. The unauthorized account that was open on XX/XX/XXXX has a credit limit of {$2800.00}, but my account only has a {$1300.00} limit, so therefore thats fraudulent information reporting on my credit report. I called the bank several times and they told me that they would send me an email showing me that the account was deleted but I have not received any email, but it is still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: CT

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This card was no longer being used and I called to cancel it prior to the yearly renewal date and the {$80.00} fee involved. I was told at this time there was a charge on it that I had to pay before they would cancel it. The charge was from Amazon XXXX a monthly fee. This charge was supposed to go on another card but Amazon was unable to do this because the numbers had changed. Amazon never contacted me relative to this and just put the fee on this card, WITHOUT MY PERMISSION. I told Chase Bank I would not pay this fee of {$12.00} because I never authorized it. They said they would dispute it but could not cancel the card prior. I told them I had cut the card in half and wanted to cancel it prior to the renewal fee. Chase Bank added the renewal fee, did not remove the charge of {$12.00}, and continued to send me bills with late fee being added. This began I believe in XXXX XXXX and currently has grown to {$210.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 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: NJ

Complaint narrative:
According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-12-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: VA

Complaint narrative:
I was a victim of fraud and I dispute the charge as cashapp advised me to do. I asked if they can be in one claim as it was a clear XXXX glitch or bug were I was charged XXXX times on XX/XX/23. I contacted XXXX they have no record of the charge. Cashapp has closed my acct for filing the dispute they told me to do. In addition they havent refunded all the charges and wont tell me what policy or security I breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX I saw a charge of my account for {$2600.00} for XXXXXXXX XXXX I do not own any XXXX devices or any XXXX accounts I reported the {$2600.00} to Bank of America Bank of America did the investigation for more than 6 months after I kept complaining about the investigation and why I have not gotten any of my refunds back months later in XXXX of XXXX  you guys gave me a credit of {$2600.00} I was informed that that credit was a refund I said okay not a problem then I was also informed that I owed the back {$2600.00} cuz supposedly the bank gave me the partial credit and in reality the bank did not give me any credit I had to wait 6 Plus months to try to get a credit from you guys finally you guys tell me again that XXXX refunded the money I have never heard of a bank that gives you partial credit and a refund at the same time that's a little bit impossible so what Bank of America did was put me in collections and mess up my credit and say that I still owe {$2600.00} which is considered fraud fraud because of the simple fact that I don't owe any of those devices that have not show me proof that I purchased anything and they also closed all my accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 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: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized hard inquiries that appeared on my credit report. Despite my multiple attempts to address this matter and seek resolution, I have yet to receive a satisfactory response from your agency. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Companys have failed to to remove all negative accounts on credit report after receiving official notice and deleting items in 4 days as stated in title 15 usc 1681c-2

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 2023-12-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Companys have failed to to remove all negative accounts on credit report after receiving official notice and deleting items in 4 days as stated in title 15 usc 1681c-2

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 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Venmo has frozen my account with {$1600.00} half a year ago! 
they send an email claiming that I can wtihdraw my frozen funds but their system still wont let me add my new bank account. 
on XX/XX/XXXX venmo emailed me that I should upload my ID and a bank statement of my new account. I have provided the requested documents but ever since Venmo stopped replying to me and like usual they refuse to let me add a new bank account! 
please help me. legal action must be taken against this fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
been disputing this for almost a year now and asked for proof as well as I've called and stated to them that I NEVER reopen a loan up, was told that they had a employee at that time was reopening old customers account and taking the money. they were suppose to take care if the problem but years later u see its still showing on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NY

Complaint narrative:
Aside from the fact that this government does not care about the generations of XXXX that had to take out XXXX XXXX  only to have to be transferred to the worst loan servicer after being promised that even though you can not forgive our loans, that we would at least have an easier time paying it off. NELNET LOAN SERVICER has been the absolute worse experience I have ever had. I had applied for the SAVE plan and had made significantly less money since I had been on maternity leave for the last 2 months and first 3 months of the year. I had resubmitted my application in XXXX of 2023. I got a notification in XXXX that I had to pay the same amount I was paying 3 years ago before COVID. THEN to make matters worse I see that my payment has been applied to my interest instead of my principle, which we had already seen had screwed many people over in the last 10 years since it causes the loan to continue to accrue interest on an amount of money that has been paid for the last 7 years but has not moved a needle on the principle. I have tried to get in touch with them and its almost a 2 hour wait on the phone only for the lady to read some script off a screen and try to interrupt the answer of my questions without actually having any knowledge. I had reapplied for SAVE again after resubmitting my pay stub to NELNET in XXXX. I am not set to pay anything until XXXX yet my interest continues to climb and they applied my last payment to my interest. I have found this site to file a complaint because I found a website with complaints from other people who had the same issues with Nelnet. I did not agree to have this loan servicer. I was just transferred from Great Lakes. My husband has a different loan servicer and he makes more than me a year but I owe more a month than he does. Something smells fishy and corrupt going on. Please I beg of you, on behalf of all the XXXX who took out Loans and are struggling. I am a XXXX XXXX XXXX who worked all throughout the pandemic and this is the thank you we get from the government. Please fix this matter!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: AL

Complaint narrative:
I am writing to dispute four inquiries on my Equifax credit report that I believe are fraudulent. These inquiries have negatively impacted my credit profile, and I request that they be thoroughly investigated and removed from my credit report as soon as possible. 
The details of the disputed inquiries are as follows : 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 I have no knowledge of authorizing or applying for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the specified dates. These inquiries do not correspond to any legitimate credit applications made by me, and I have not initiated any new credit relationships with these institutions during the stated periods. 

Due to the fraudulent nature of these inquiries, I am concerned about potential identity theft or fraudulent activity on my credit report. I have taken immediate steps to secure my personal information and have placed a freeze on my credit with the major credit bureaus to prevent further unauthorized access. 

I kindly request a thorough investigation into these inquiries to determine their legitimacy. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries on my credit report. 

Furthermore, I request that Equifax take the necessary actions to remove these fraudulent inquiries from my credit report, as they are affecting my creditworthiness and financial standing. I understand that the Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting, and these inquiries do not meet those criteria. 

Please inform me of the results of your investigation and any actions taken to address this dispute. I can be reached at XXXX if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this dispute and the removal of these fraudulent inquiries from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: FL

Complaint narrative:
There are some accounts on my credit file that I dont recognize. I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments associated with these accounts. 
These accounts do not meet FCRA requirements. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card This account is reporting a 30 day late payment on XX/XX/XXXX but on XX/XX/XXXX it is being reported as current. This data is not accurate or reliable being that there is only 30 days in a month. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

2.Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. The data does not show when the last payment was made, it shows that a {$5.00} payment was made XX/XX/XXXX I requested proof of this but it was never provided. A proper investigation was never conducted. 

XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX The data does not show when the last payment was made, I requested proof of this but it was never provided. A proper investigation was never conducted. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX The data does not show when any payment was made or the last payment and when this account became charge off, I requested proof of this as well as a 1099c form the creditor should have provided to me when the account status changed to Charged off but it was never provided. A proper investigation was never conducted.

Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file.

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 2023-12-06 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: FL

Complaint narrative:
There are some accounts on my credit file that I dont recognize. I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments associated with these accounts. 
These accounts do not meet FCRA requirements. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card This account is reporting a 30 day late payment on XX/XX/XXXX but on XX/XX/XXXX it is being reported as current. This data is not accurate or reliable being that there is only 30 days in a month. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

XXXX.Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. The data does not show when the last payment was made, it shows that a {$5.00} payment was made XX/XX/XXXX I requested proof of this but it was never provided. A proper investigation was never conducted. 

XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX The data does not show when the last payment was made, I requested proof of this but it was never provided. A proper investigation was never conducted. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX The data does not show when any payment was made or the last payment and when this account became charge off, I requested proof of this as well as a 1099c form the creditor should have provided to me when the account status changed to Charged off but it was never provided. A proper investigation was never conducted.

Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file.

Company response to consumer: Closed with non-monetary relief