vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for the Chase Saphire credit card and was offered a primotional credit of XXXX points if i spent XXXX in 90 days. I signed up and was approved for a XXXX limit. I spent the XXXX minimum within XXXX of receiving the card in XXXX, well within the 90 day window. Chase only credit led my profile with XXXX points instead of the XXXX promotional offer. I contacted Chase and they instructed me to upload my personalized offer letter and they couldn't research it. I was able to find the offer letter and upload it to my profile. After several exchanges with Chase, no explination has been given of why they're denying my XXXX points ( XXXX offer - XXXX given ) and have stop reaponding to any requests from my side. I filed a complaint with the XXXX  and they still said they won't honor my personalized offer but will not give and informatuon as to why. All I would like is the XXXX bonus points that was offered to me as a signup bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
My Bank XXXX mistakenly send XXXX to XXXX XXXX , on XXXX.XXXX no longer services my student loans and should immediately refund the amount. I have written to XXXX, I have received no response. Their toll free phone number no longer works.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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. 



CLOSED ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 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 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 2023-11-20 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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. 



CLOSED ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 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 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 2023-11-20 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: TX

Complaint narrative:
I respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit 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 2023-11-20 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 respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-11-20 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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have been having problems with Card Services- Dispute Resolutions XXXX XXXX XXXX, XXXX GA XXXX starting XXXX of this year with incorrect information not updating personal information restricting my access to my accounts via debit card unable to provide any resolution also identity theft unauthorized transactions including no security measures in place also replacement of debit cards that were not received sent to different addresses including unable to forward mail labeled undeliverable I would like a thorough investigation into these card service and woul like to file an extensive complaint. Also including rerouting of mail including mail fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
They are in direct violation of my rights per the FCRA as they are reporting false information and refuse to delete the account from my credit file. I've submitted a dispute to both the collection agency as well as the credit bureaus, but they continue to confirm that this debt is coming back valid. I paid the owed amount of {$2100.00} to the original creditor via cashiers check and confirmed with my banking facility that the check was cashed by the original creditor on XX/XX/23. I have submitted a complaint with the State Attorney 's General Office as well, given that the collection agency is in direct violation I can exercise my right to file a lawsuit, but just want the item deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX on XX/XX/2023. I Never receive a XXXX, a car or anything from them .and the same with XXXX XXXX XXXX XXXX . 
Definitely XX/XX/2023 I never received anything from Them either.XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, I never received anything from them or gave them people consent to do anything to my for me and it's one collection that already been paid and the still trying to collect my name is XXXX : XXXX, XXXX XXXX  XXXX XXXX XXXX ga XXXX is my address and thing else is false. 15 U.S.C 6801-6802, I NEED THESE 5 HARD INQ REMOVED TODAY NOT TOMORROW TODAY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: TX

Complaint narrative:
I sent Experian disputes on 2 specific accounts on my credit report. The first letter I asked for an investigation, the second letter I asked for a reinvestigation because it was verified as accurate when it wasn't. Lastly I sent letters each stating that after 2 investigation attempts by Experian they neglected to remove accounts from XXXX and XXXX XXXX even though the are reporting as chargeoff every month, when there should be no active payment history. Experian is now ignoring my requests to remove the items.

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 2023-11-20 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: GA

Complaint narrative:
On XX/XX/2023 I called TransUnion and asked what was the update on removing U.S Bankruptcy Court reference number XXXX for my consumer file. I was told by XXXX that I was being denied the information. 

Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

If the banking system is depended upon fair and accurate credit reporting, what's fair about XXXX from TransUnion telling me that he can not provide the information of the third vendor that has verify this Bankruptcy that is reporting with only TransUnion. I have informed TransUnion numerous times that this Bankruptcy needs to be removed from my consumer file. I have provided numerous documentation and TransUnion has failed me as a consumer in regards to reporting accurate information. 

I then called XXXX and spoke with XXXX. I informed her that I spoke with a TransUnion rep today and he stated that XXXX verify this bankruptcy as accurate. XXXX pulled my filed and stated that its no bankruptcy reporting on their end and that they did a manual dispute with TransUnion on XX/XX/XXXX  and the result were just mailed out to me on XX/XX/2XXXX  and I should get them and 5 to 7 business days. She also stated that she didn't heard anything back from TransUnion. Interesting thing is the TransUnion rep stated that XXXX verify the Bankruptcy. I am being mislead by these two Entities. XXXX and TransUnion are working together to ruin my credit worthiness. I feel I am being bully and lied too and I don't like it. I have been informing them for a year now and nothing has been done. TransUnion nor XXXX does not care about the rights and privacy of consumers. They are misusing their power that was given under regulation. It's not fair to continue to ruin a consumer file when proof has been provided. 

Please Help.

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 2023-11-20 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  Date of Inquiry XX/XX/2023 & XXXX XXXX Date of Inquiry XX/XX/2023

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 2023-11-20 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX  Date of Inquiry XX/XX/2023

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 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo along with their counter partners XXXX XXXX, XXXX, and other sister companies have conducted an illegal campaign against me. The banking system has prevented me from being able to obtain adequate housing, had individuals intentionally vandalize and run into my vehicle, and have even prevented me from obtaining work. This has been going on for almost XXXX  years, and they have had several of their merchants and partners engage in the campaign, and utilized civilians in the campaign as well. They have been staging car accidents and giving everyone I work with a bank loan and a vehicle, they have been had everyone I work with in admin stage a car accident and given them a new vehicle for the amount of {$5000.00} or more. They utilized college athletes to harass me by giving them students loans of {$5000.00} or more for the participation in the campaign. Wells Fargo began a harassment campaign against me because of past claims I have made with them. They also began stealing money out of my account and making my bank lock up my account without reason. They would continuously lock up my account when I had them as my bank and prevent me from traveling. They would make excuses and say they didn't know why my account was locked up. They began this campaign against me because in XXXX  I made a complaint against one of their bankers who put extra accounts in my name. Now Wells Fargo is attacking, blacklisting, and coming after anyone who participated in the lawsuit. They have also began gentrification in all areas that I have lived in. It began in New Mexico, they followed me to XXXX, Alabama who does not have a Wells Fargo but they acquired all of the area, and now they have come to XXXX, KS began buying up all the area under different names, and gentrifying the areas. Wells Fargo is the banking system for every housing company I have applied for in the last XXXX years, and they are preventing me from obtaining housing or attempting to hike the prices up to where it is unaffordable. I filed a complaint before and Wells Fargo never reached out to me. I attempted to reach them almost XXXX times and they refused to call me back, but had a third party company reach out to hack my phone.

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 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
All 3 of my checking accounts with USAA were closed on XX/XX/2023 due to filing too many disputes. They stated that I can never open another checking account with them. 

I have a payroll and student financial aid check that was deposited which they are holding for 60 days. I would like these funds released immediately and my account reopened or a new account opened with these held funds. 

As I stated, I have the right to file a dispute or many disputes. This is harassment, discrimination, and even extortion to keep holding my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: PA

Complaint narrative:
As stated in previous complaints, I applied for SAVE on XXXX, wasn't processed. Last week ( XXXX ) was told I had to pay {$5.00} to switch to SAVE. Today I received an email and I am now on the Standard plan. Never applied for the Standard plan. I want my {$5.00} back and I want someone competent to explain how someone was put into a plan that wasn't applied for and previous to covid was also on an income driven plan. Very angry and frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX. Acct XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX. Acct XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Acct XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A : States I have a 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 with 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 adverse item of information, other than records 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 cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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