vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: Westlake Services, LLC
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In advance of making a major credit card purchase for a vacation, I called B of A to confirm that I would get the advertised cash back 6 % rewards, and was told yes, twice. I then thanked the agent and made the purchase, as discussed with him.

After I made the purchase and received my statement, I noticed that they did not honor that advertised and verbally confirmed commitment by saying they did not enroll me in the promotion, as I asked the agent to do and confirm.

After a number of attempts to correct this, I cut my ~20 year relationship with B of A, as some premier (? ) level client. 
I have since received through my current bank, XXXX XXXX, a physical check # XXXX BofA sent to them in our names, in the amount of {$38.00}. This is appreciated, but confusing ( no explanation ), and falls far short of their advertised and verbal commitment of the credit card cashback received incentive. I have since read in the print media that I am not the only one that may have been lured into their incentive programs that they did not honor.

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 2023-12-27 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: GA

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.

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 2023-12-27 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: NY

Complaint narrative:
I have found inaccurate information on my credit report. I disputed the item in question and it was not fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: MI

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 XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXXXXXX XXXX XXXX Account Number:XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: MI

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 XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name XXXX XXXXXXXX XXXX XXXX Account Number:XXXX  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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one auto finance keeps reporting this account to my credit profile as a charge off but havent provided a 1099 for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NY

Complaint narrative:
XXXX XXXX XXXX is refusing to provide me with account information that I AM ENTITLED TO!! The primary borrower has proven to be incompetent in managing this account thereby damaging my credit! ALL information that I have acquired in regard to this account is through disputes! Apparently the monthly payment has increased. I learned this via my XXXX credit report through a dispute this month! The primary borrower was duly notified. I WAS NOT! 
Also, XXXX continues to request a complete, unabridged copy of MY credit report! Please refrain from asking again for this information as any further requests will be considered harassment. The ONLY information that XXXX should be concerned with is the account that they are servicing!

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 2023-12-27 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX is refusing to provide me with account information that I AM ENTITLED TO!! The primary borrower has proven to be incompetent in managing this account thereby damaging my credit! ALL information that I have acquired in regard to this account is through disputes! Apparently the monthly payment has increased. I learned this via my Equifax credit report through a dispute this month! The primary borrower was duly notified. I WAS NOT! 
Also, XXXX continues to request a complete, unabridged copy of MY credit report! Please refrain from asking again for this information as any further requests will be considered harassment. The ONLY information that XXXX should be concerned with is the account that they are servicing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax, Please forward me your legal representative or registered agent for the State of Texas so that I may proceed forward with a lawsuit against Equifax in XXXX XXXX Texas. I have attempted to resolve this through the Consumer Finance Protection Bureau and to no avail Equifax did not look into the situation, did not address the issue, and told me the standard agent answer. Therefore, I am exercise any and all legal rights by filing a lawsuit against Equifax : Equifax Fair Credit Reporting Act Litigation, No. XXXX. 

I believe I am a party who was impacted by the code switch and will not proceed with a lawsuit against Equifax and will represent myself as allowed by United States law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: PA

Complaint narrative:
I have two Amex Gift Cards that I got as a promotion when I installed my HVAC units. They both came with {$500.00} on them about a year ago. I was able to use them for a bit but everywhere I've tried lately they've been denied. I'm not trying unsecure sites ( I've been getting denied XXXX XXXX doctors office, hospitals... you know, highly regulated medical sites ). But according to Amex the sites aren't secure enough. But I've also been denied in person at my car mechanics shop. It is NOT that I was never able to use them, I've spent over {$850.00} of the {$1000.00}. But lately it's been a gamble and they get denied more often then accepted. I called today to ask and after fighting with their automated system I got a human being and their response was just keep trying to use them in other places. They shouldn't be randomly denied anywhere. I've still got {$120.00} on them that I look like a fool trying to spend because 95 % of the time they're declined for no reason whatsoever. Even in locations they've previously been accepted they can be declined ( or locations they've previously been declined they'll be accepted! ). I would like this money refunded to me by check so I don't have to play the game of try to figure out where I'm going to be able to spend it today. Amex Gift Cards say you can use them anywhere Amex is accepted, this is clearly NOT true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 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: CA

Complaint narrative:
I have tried using the gift card multiple times online and in person and it was declined despite a balance on the card. Amex customer service says the card is fine and working with the stated balance. 

XXXX XX/XX/XXXX multiple times XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX in person and at pump XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have reviewed a copy of my consumer report recently and noticed there are several debt collection agencies reporting a debt that they have not validated and are reporting without my written or oral permission. There is not contract nor agreement between myself and these companies. Their unfair reporting practices have caused me significant damage recently. These errors and unlawful practices need to be corrected and all misleading and unlawful information on my report needs to be removed immediately per federal laws ( Fair Debt Collection Practice Act ) : 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

15 USC 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

15 USC 1692g ( a ) I received no notifications via mail about the validity of this debt 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

If the company in question can not provide an original, " wet-ink '' signed contract or agreement between me, XXXX XXXX XXXX the consumer, and their company named as Creditor, the debt is invalid and therefor unlawfully permitted to be collected upon and most certainly can not be furnished on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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:
Trans Union is reporting inquiries that are not authorized. I have provided letters from the actual companies and the inquiries have not been removed. 

XXXX XXXX XXXX ( unauthorized ) XXXX XXXX XXXX XXXXXX/XX/2023 ( agreed to remove due to unauthorized credit pull XXXX XXXX XXXX XXXX converted hard inquiry to soft pull The following were disputed via CFBP and Company agreed to remove but Trans Union is still reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I the consumer never signed a wet ink nor electronic signature with company Aidvantage also know as maximus, XXXX commission file number XXXX. I called the company to get an overstanding as to why they are reporting to all three credit agencys about loans that were discharged. According to The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that affords parents the right to have access to their childrens education records, the right to seek to have the records amended, and the right to have some control over the disclosure of personally identifiable information from the education records. When a student turns 18 years old, or enters a postsecondary institution at any age, the rights under FERPA transfer from the parents to the student ( eligible student ). I never gave written authorization consent to have my school records given to non affiliated parties, and Aidvantage is a non-affiliated party, I told Aidvantage to send me forensic documentary evidence to validate there claim, they then sent me a copy of the MASTER PROMISSORY NOTE/AKA THE SECURITY, which is clearly a violation of The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

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 2023-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I sent a payment ACH from my bank to the mortgage company they claim the payment was returned to my bank but has never showed up in my bank acct.

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 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I had called to discuss why my income based repayment plan payments had jumped from {$270.00} in XXXX to begin in XX/XX/XXXX in the amount of {$560.00}. When I asked the customer service representative, why the payments had doubled I was given the run around. I asked how they came to the payment they did based on my most recent tax return. I was given they had my tax return of XXXX. That was incorrect, since I had submitted my XXXX tax return documentation for my annual income based renewal certification which was approved on XX/XX/XXXX. They could not verify that they had my XXXX tax return. I was told they based my income payment on the 15 % of yearly income divided by 12 months on the poverty line. It doesnt make sense on how the income reflects the payment per month and the calculations they gave me. I inquired further as to be given an XXXX number so I can call to get information on how they go about figuring out the repayment amount. I was told it was by a processing team and they didnt have a phone number. I also inquired if there is no number, to get information in writing because there is nothing documented on the Navient app in full detail as shown on their document approving my income based repayment request renewal. I wasnt given any information or told the information that would be mailed to me. I notified them that I had a drop in my income due to a new job and my husband had a drop in income as well. I was told I could send them copies of our paystubs no more than 90 days old and they can re-certify based on my new income documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: ME

Complaint narrative:
I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove it immediately

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