vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: PA

Complaint narrative:
XXXX XXXX is XXXX XXXX XXXX. he receives social security from his deceased mother he is an XXXX. I checked his social security and XXXX dollars was missing. I checked the statements and it it so obvious it is fraud. there are sometimes up to 20 transactions a day for anywhere from XXXX cent to XXXX dollars. the purchases are from all over the country and all over the world. Direct express only returned XXXX. I am seeking an additional XXXX. if you google direct express you will see that they have had several lawsuits and 1000s of claims on losing funds. they are known to do this. they have a terrible reputation. This is government money that is going to an orphan is there a sadder statement? please help me to return those funds to this great XXXX  man.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently left a job at the XXXX of XXXX XXXX where I had a pension worth {$24000.00}. The pension company they use called XXXX issued me a check for that amount to transfer over to my XXXX XXXX XXXX  XXXX. I deposited the check in my Chase Business Checking account with the intent of transferring it over to my XXXX. Chase then shut down the Business checking account because the pension check was addressed to XXXX for the benefit of XXXX XXXX ( myself ). Chase is now withholding those funds and not giving me any way to retrieve those funds. They are not willing to return those funds to the original issuer of the check either. I have been pursuing this for almost three months and Chase refuses to release those funds, which they are keeping captive. 

Chase said the pension company, XXXX, needs to file a claim in order for Chase to return those funds to them. XXXX is unwilling to do that since the check has already been successfully deposited. Chase then stated that they need XXXX to sign a release of liability- which XXXX is unwilling to do. Chase is giving me no other solution to recovering the {$24000.00} - essentially stating that they are going to keep that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received some American Express Gift Cards through my rewards program with my AMEX credit card back in XXXX. I have struggled to find places to use them, as almost no merchants accept them. 

After MANY tries, I finally found a place to spend them, so I wanted to use them up and be done with them since they are such a hassle. During my attempts to spend the cards, one card was locked and put on " HOLD ''. The AMEX gift card website where you check your card balances said to call the number on the back of the card to resolve this. 

So I called them today, XX/XX/XXXX, and after being hung up on once, got someone who said they could not help me unless I gave them an 11 digit serial number on the back of the card. But there is no such number on the back of the card. They refused to help me otherwise. I then called the AMEX number associated with my rewards card and they could not help me either. And both numbers/individuals I called had no idea where I should call to try to get it resolved. 

So I have a {$250.00} AMEX gift card that is locked/on HOLD by the system for an unknown reason, that no one seems to be able to fix so that I can use it. And the company provided numbers that said that I was told would help me, can not. I was told by one CS agent that I was just out of luck. And that is not acceptable or fair. This card was placed on hold by the AMEX system - and no one can release it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: MI

Complaint narrative:
Transunion, XXXX, XXXX and XXXX XXXX Is reporting a bankruptcy on my credit report and they have put in the data furnisher as the US BANKRUPTCY COURT FOR THE EASTERN DISTRICT OF XXXX  of which is false. I have attached a letter from the Bankruptcy court of verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. Transunion, XXXX, XXXX and XXXX XXXX Is falsely stating on my credit report and have yet to remove this 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 2023-12-11 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: NC

Complaint narrative:
Under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e XXXX, Transunion, and XXXX, as allowed by law. In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. As a diligent consumer, I am concerned about the privacy and security of my personal information. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.

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 2023-12-11 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: NC

Complaint narrative:
Under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, XXXX, and XXXX, XXXX allowed by law. In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. As a diligent consumer, I am concerned about the privacy and security of my personal information. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.

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 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Opened XXXX with USAA in XXXX Provided late payment in XXXX after years of on-time payments ( XXXX XXXX over XXXX ), was quickly resolved and paid current. In the meantime, USAA removed my wife as a secondary account holder and proceeded to delete her credit history. XXXX claimed that the policy had changed at some point, and she hadn't signed an authorization form in XXXX. Yet, she was able to use the card and charge XXXX of thousands of dollars in the intervening years. USAA was unable to explain how she could use the card without having signed an authorization form, and refused to provide any appeal process or assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MI

Complaint narrative:
In response to CFPB complaint XXXX, XXXX stated it would not respond to any further complaints regarding the issues within XXXX unless I submitted " compelling documentation. '' It would seem that despite providing XXXX ( XXXX ) years worth of Driver 's Licenses, XXXX did not believe they were sending billing statements to an incorrect address that was neither my address nor my physical address. And, despite disclosing my documented XXXX, it appears XXXX did not believe my XXXX under the XXXX would render me unable to communicate, write, think, etc., in instances where there are or have been supply shortages of medications I use to treat the disclosed medical condition. Finally, despite my disclosure of XXXX ( XXXX ) separate COVID infections followed by XXXX ( XXXX ) separate periods of XXXX, XXXX did not believe such periods of XXXX and/or XXXX would render me unable to communicate, write, think, etc. Hopefully the near one-hundred ( XXXX ) pages of documentation provided make clear a ) I do not live in Florida and have not lived in Florida since 2007, b ) I neither have a current mailing address in Florida, XXXX have had a mailing address in Florida since 2007, c ) I have a XXXX that is managed through medication that has been in short-supply for over XXXX ( XXXX ) year, d ) that shortage is on-going, XXXX ) I am rendered unable to speak, think, write, etc. due to the lack of medication and/or sudden cessation in medication when I can not get my prescriptions renewed due to the supply shortages, f ) For the period over which XXXX was sending my billing statements to address, and the cascading skip-tracing that resulted, that beyond the extent to which I demonstrated an ability to correct my address information when skip-tracing XXXX have overwritten my corrections, I was unable to speak, think, write, etc. due to the lack of medication and/or delays in prescription renewal, and/or sudden cessation in medication caused by the supply shortages, and/or because of long-COVID related XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: NY

Complaint narrative:
My credit report is showing discrepancies from what XXXX is providing me. These errors are misleading and affecting me. I depend on my credit and because of this false reporting I am getting denied by banks. This account needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report is showing discrepancies from what XXXX is providing me. These errors are misleading and affecting me. I depend on my credit and because of this false reporting I am getting denied by banks. This account needs to be deleted.

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 2023-12-11 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: TN

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX  compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: NC

Complaint narrative:
Please send my letters to XXXX. XXXX and Equifax. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: GA

Complaint narrative:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account Names and Numbers : XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: NV

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. I am not reliable for any debt with any creditors. I do not have any contracts with any of these collection agencies nor is there any signed paperwork stating I owe them any debt. They did not provide any original paperwork stating this. Delete these accounts immediately! Accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX, 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 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 ) ( XXXX ) 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 explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
The account in question violates my rights as a consumer and pursuant to the legal authority 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ) as the consumer reporting agency, you have failed to uphold your legal responsibilities. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, this account reports alleged late payments that have not been verified or proven per to the legal authority 15 U.S.C. 1666 ( a ) and ( b ). As a result, and pursuant to the legal authority 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) the consumer reporting agency shall promptly delete an item found to be inaccurate, incomplete or can not be verified. The reporting of negative transactions pertaining to this account violates 16 CFR 313.4 313.9 without my permission and portrays me in a false light without proof of claim. My Account Name and Number : AFFIRM INC ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This complaint is about Barclays Bank I got my statement from this bank and on my statement they did not put down my purchases. They just gave me a statement just with a total. I told them that they were supposed to put down the purchases to let me see my purchase it, and how much they was they refused to do that. I have other credit cards and all of my statements come to me with the purchases and then tell me how much I need to pay. This bank is not putting down. No purchases just give me a total and I feel this is not right, and I wont statements with purchases on it so I know how much I paid for the merchandise because they could overcharge me without me knowing thank you very much

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