vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: VA

Complaint narrative:
Violations : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 1 ) In general ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is emphasized that consumer reporting agencies, such as XXXX and Experian, must carry out their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801, which asserts the Congress 's policy that financial institutions have an ongoing obligation to respect customer privacy.

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the consumer. As the consumer, I have not provided written consent for XXXX, Experian, or any furnisher of information to credit agencies to disclose my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of the option to exercise nondisclosure. The furnisher of information to credit agencies did not inform me of this right. Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in reports without authorization. Reporting this adverse item without my permission is a violation of the law.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), no person shall furnish inaccurate information to a consumer reporting agency, and 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX and Experian are not adhering to these requirements. 
Finally, referring to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.

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 2023-12-21 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: WA

Complaint narrative:
I received a {$500.00} American Express XXXX XXXX XXXX credit card on XX/XX/XXXX from my employer as a holiday gift. 

I made sure the card was activated and on XX/XX/XXXX attempted to make an online purchase from a vendor who accepts AMEX ( XXXX ) for sale for {$360.00} after tax. This purchase required inputting all card security information including the security code, after which I got a message that there was an issue with an invalid payment. I tried to re-enter the card number and redo the transaction multiple times without success. 

I then attempted to make the same online purchase from another vendor who accepts AMEX ( XXXX, same price, item was to arrive XX/XX/XXXX ). I again provided the full card security information and it appeared the purchase was successful. However, days later the order was still pending, the payment had not been processed, there had been no charge to the AMEX gift card account and no order fulfillment progress from XXXX. 

On XX/XX/XXXX I called XXXX to check on the status of my order. XXXX told me that authorization of payment had been declined and that the issue was on American Expresses side. 

I checked the balance of my card online ( AmexGiftCard.comXXXX  ) and the balance was {$490.00} with XXXX {$0.00} chargers, XXXX from XXXX and XXXX from XXXX. 

At this point, I was very frustrated. I contacted AMEX Gift Card service by phone and was eventually able to reach a customer service agent. The agent told me that some online vendors reject cards if the security information is not provided. I told the agent the online vendors did ask for, and were provided with, all security information. I also noted that these vendors ( XXXX, XXXX ) are by far the largest online sellers in the XXXX and that it was ridiculous I could not use a prepaid card with them. The customer service agent then told me that I should instead spend the card in person and not use it online, despite the cardmember agreement explicitly saying this can be used for online purchases that accept American Express. 

The specific model of the product I am trying to purchase is not available in stores nearby and I obviously can not purchase from XXXX in person. I am in a position where A ) a XXXX gift is not going to arrive in time B ) I will not be able to take advantage of the online sale price or perhaps even find said item A ) I can't use my own money/gift card online even though they accept AMEX and XXXX ) I have been severely limited in where I can use my own money/gift card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21 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: MECHANICS BANK
State: OH

Complaint narrative:
XX/XX/ Inquiries that fall under permissible use 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: FL

Complaint narrative:
XXXX is in violation of my consumer rights. 

List of Violations : Pursuant to the privacy act of 1974 it states no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request. 15 USC 522A 15 USC 1681b permissible purposes of consumer reports Pursuant to 16 CFR 313.7 privacy of consumer financial information 15 USC 6801 protection of non public personal information I would also like to opt out under 15 USC 6802-6805 obligation with respect to disclosures of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XXXX is in violation of my consumer rights. 

List of Violations : Pursuant to the privacy act of 1974 it states no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request. 15 USC 522A 15 USC 1681b permissible purposes of consumer reports Pursuant to 16 CFR 313.7 privacy of consumer financial information 15 USC 6801 protection of non public personal information I would also like to opt out under 15 USC 6802-6805 obligation with respect to disclosures of personal information.

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 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
They charged me XXXX for each transaction everyday up to three transactions until bank is positive so I was charged XXXX everyday till positive

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a capital one credit card on XX/XX/XXXX and XX/XX/XXXX. Capital one denied me saying " they couldn't adequately get my report because it was frozen ''. My credit was frozen at the time. I then went to unfreeze it to reapply, however, before I reapplied they already put a hard inquiry on my report. I checked my credit score to see 2 hard inquiries one on the XXXX and one on the XXXX. I sent a letter to capital one to have it removed over 75 days ago but I have not heard back. Please have these reports removed, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: VA

Complaint narrative:
Violations : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 1 ) In general ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is emphasized that consumer reporting agencies, such as Equifax and XXXX, must carry out their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801, which asserts the Congress 's policy that financial institutions have an ongoing obligation to respect customer privacy.

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the consumer. As the consumer, I have not provided written consent for Equifax, XXXX, or any furnisher of information to credit agencies to disclose my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of the option to exercise nondisclosure. The furnisher of information to credit agencies did not inform me of this right. Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in reports without authorization. Reporting this adverse item without my permission is a violation of the law.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), no person shall furnish inaccurate information to a consumer reporting agency, and 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. Equifax and XXXX are not adhering to these requirements. 
Finally, referring to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: Open Dealer Exchange, LLC
State: MD

Complaint narrative:
I am writing to formally complain about unauthorized inquiries that have appeared on my credit report. This matter is of great concern to me, as it not only violates my privacy but also has potential implications for my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I requested validation from Experian for accounts XXXX XXXX  its so many inaccurate information on it. And to no avail they give me nothing again. They just send me a response saying Accurate or Verified nothing else.

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 2023-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I bought a used vehicle in XX/XX/2019. I was never late on any payments until I became a victim of government corruption. I ended up XXXX with XXXX  for over a month. I ended up behind on car payments. I did communicate with the bank but they ended up repossessing my vehicle a year later. I want to know why I am still owing all this money when I am a XXXX XXXX and I have plenty of money in my trust. I want my vehicle and ALL THE RIDICULOUS HIGH CREDIT CARDS PAID FOR WITH MY TRUST. Tell me how to get this done.

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 2023-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2022 XXXX inquiries that all fall under permissible use 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto Finance XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
My direct deposit from my employer keeps going missing and I been making car payments from my account but they havent received any of the payments chime says the payments was made but they werent and the transactions keeps getting deleted after it was there I seen it there and even show my daughter they we went to look for it again it was gone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Prepaid card — Gift 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 have had two charges go through successfully on this AMEX gift card, however, no charge has been accepted since then even though there is a large credit balance. On XX/XX/XXXX I called AMEX to see why charges always fail to authorize and they said that I should just try a different online retailer. I tried XXXX different online retailers, each time entering the card #, exp date, and CVV code correctly, and the charge was denied every time. I then called AMEX back and they advised me that the charges may have been flagged for suspicious activity and they would have the flags removed in 24 hours. I then waited 24 hours and attempted to use the card again and it still will not work. XXXX I called AMEX again, and after navigating the ridiculous phone bank of computer generated advice, I got someone in XXXX  who i could barely understand and when I said I would like for them to send me a check for the balance that is unspent on this gift card, they said they could not do that and that the only option was to be issued another card with the balance of credit on it. I said that would not work for me as I would most likely experience the same issue. I feel that these cards are designed to not work and that the company is skimming this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on XX/XX/XXXX i noticed two withdrawals each a little over {$1000.00} withdrawn from my joint checking account done at a XXXX and XXXX XXXX XXXX XXXXXXXX in XXXX, MA. immediately i reached out to my partner and was notified that over the prior weekend my partners phone drivers license all banking cards and banking information had been stolen. the individuals then on XX/XX/XXXX transferred {$8000.00} dollars from a savings account a proceeded to withdraw a total of {$2000.00}. a claim was reported with capital one bank XX/XX/XXXX and i was told all cards had been locked by capital one. XX/XX/XXXX i woke up to a XXXX negative balance after being told my cards were locked the day prior that balace was too disputed. fastforwarding to today XX/XX/XXXX capital one denies all claims due to login activity and electronic activity. i am declaring that capital one has not done a thourough investigation into my claims and has made false staments and has not stuck to their words. my account is fdic insured so any claim of fraud should be reinsured up tp {$250000.00} i do not want to bring litigation against capital one but i will if i have to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: GA

Complaint narrative:
under the fair credit reporting Act ( FCRA ) credit Reports must accurately reflect a consumers credit history any discrepancies, such as late payments close account or unauthorized inquiries violates the federal law transfer me the right to dispute any rectify these inaccuracies there are unauthorized inquiries, unauthorized accounts on my credit report closed unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  unauthorized account closed

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 2023-12-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are inquires on my credit report that are unathorized and may be fraud related. Please delete them, as I did not give any of these companies permission to pull my report nor did I give Experian, XXXX or XXXX permission to report these. 

You are not permitted under law to provide or publish my information without my consent 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I've also filed a FTC Identity theft report, to report this behavior to the proper authorities.

12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

List of unauthorized hard inquires : XXXX XXXX  Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry date XX/XX/2023 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 non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
I signed up in XXXX for an American Express Delta card to get plane tickets and a {$350.00} promotional credit after I met the terms. I met the terms by XX/XX/XXXX. I did not get credited my 40,000 miles either. 
The credit was to be put on my card within12 weeks ' time. It was not. So I called and waited and called a 2nd time it was escalated. I have also had 3 chat sessions with reps about this and they keep saying they will credit my account because I meet the terms in XXXX But then I don't get my credit for miles or funds. 

XX/XX/ I just chatted again with a rep and she said she will escalate it. This has been done before with no success. I feel I have been taken advantage of and am not being heard. My latest chat ID was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XXXX - purchase made in XXXX, XXXX for souvenir merchandise - a coffee mug, a shirt, and a shopping bag. 
- I was told by the store owner the cost of merchandise would be roughly XXXX USD. The receipt wasn't given nor required a signature. 
XXXX - The amount reflected on my credit card statement was XXXX, resulting in a XXXX surcharge. 
XXXX - Contacted Chase dispute department, was told unable to proceed due to I'm unable to provide merchandise receipt. I tried to explain I was never given a receipt and asked if there was anything else I could provide instead. The specialist told me I should've asked for a receipt if they didn't provide it.

Company response to consumer: Closed with explanation