vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 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: ND

Complaint narrative:
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, nd, XXXX XXXX ( XXXX ) XXXX I am writing to formally dispute any and all transaction on my account that Capital has reported with XXXX, XXXX and XXXX, whom are all non affiliates with capitol one, in the terms and conditions provided by capital one they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates.

15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope. 

( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. 


Per the Privacy Act of 1974, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Looking for your agent to get an evidence report from Merill XXXX to see the hacker how to hack my account. SO far, there are six months over, I still can't get any formal response from Merrill XXXX yet.

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 2024-01-01 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: NJ

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # 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 ) ( 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.

These inaccuracies are preventing me from buying a new home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 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: NJ

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) ( 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.

These inaccuracies are preventing me from buying a new home.

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 2024-01-01 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was charged {$150.00} for XXXX on XX/XX/23. It cleared the next day and I was charged again! I have not received the first charge back to my avail balance that still shows as pending. Same thing with a {$9.00} XXXX bill on the XXXX and XXXX. This happened months ago as well with multiple XXXX charges and when I called Truist they said it was a known problem and are working to fix it. Now it's happening again 3 months later and before I had to wait for over a week to get my {$500.00} back available on my balance. Now I am waiting for at least {$160.00} that I am aware of that was wrongfully taken from me. This is not a vendor problem, this is a problem with TRUIST BANK. Truist has made internal complaints on my behalf to no avail. The reps I've spoken with all say they are hearing this from other customers but haven't received any info on how to fix the problem or when things will be resolved. Someone Please help.

In addition to all this they have also had pending charges listed for over 2 weeks. So not only are they double charging for these transactions, it is taken weeks to get corrected to receive your money back to the avail balance. This is absolutely insane that this is still going on. It wouldn't be a huge problem if they weren't deducting double the amount from my available balance!!!

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 ) ( 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 2024-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA Federal Savings Bank, an indirectly wholly owned subsidiary of USAA, is a federally chartered savings association established to provide personal retail banking services. Chartered in XXXX, FSB serves as USAA 's sole savings association, making USAA a grandfathered unitary savings and loan holding company. Consequently, the activities of such holding companies are governed by 12 CFR Part 238, and they are required to maintain designated books and records as specified by the Board. Furthermore, both the savings and loan holding company and its non-depository affiliates are obligated to uphold accurate and comprehensive records of all business transactions. Regrettably, USAA FSB has failed to adhere to this obligation by supplying me with inaccurate and irrelevant account statements, specifically regarding my XX/XX/XXXX vehicle loan. Despite my persistent requests beginning around XX/XX/XXXX throughout XXXX, made via recorded phone calls and USPS-delivered mail, I have not received the requested account statements. It is imperative to note that no savings and loan holding company should engage in activities with the intention of evading laws or regulations applicable to the associated savings association. In this context, USAA FSB 's failure to maintain accurate records concerning my XX/XX/XXXX vehicle loan raises concerns not only for me but also potentially for the regulatory authorities overseeing the institution. The inability to access my account statements, crucial for reviewing payments made to FSB, is a significant issue. USAA FSB 's actions have caused considerable harm, leaving me unable to substantiate the amounts and timelines of payments made in good faith. This situation raises concerns about the accuracy and integrity of the records provided by FSB, not only to me but also to its regulatory overseers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
RE : You Violated The United States Code Law 15 U.S. Code 1681 ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Reinvestigation procedure letter was received by Equifax on XX/XX/2023 See certified USPS tracking # XXXX XXXX XXXXno description received after 15 days. 

This a violation of my rights and I demand these accounts be deleted per consumer law 15 U.S. Code 1681 ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX i begin calling to request 15 u.s. code 1681c on all hard inquiries bein reported on my credit report. In XXXX i paid a company XXXX XXXX XXXX XXXX XXXX to get the exact same hard inquiries removed that had been popping up and continued to be repeatedly reported as new inquiries on my report. nothing was removed in XXXX, so in XXXX i myself called and wrote letters with these same request, all were ignored by transUnion, XXXX and XXXX removed some things but not all. so i again in XX/XX/XXXX i hired XXXX  to dispute these things that were not only being reported on my credit report still but they were being reported with updated dates as though they were recent and not already old, over the phone i was cursed out, told to hush, and hung up on, still no results, at this point i don't know what else to do, but i would like all hard inquiries and collections to be removed from my credit report due to section 15 U.S. Code 1679c. They have violated section 15 USC 1681b, i did not consent to any of those and have correctly multiple times asked for an investigation to be done only to be told it was all correct and the original dates on them to be updated as to last even longer on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My Chase bank account was closed without any reason given. The bank representatives told me that the balance would be returned to me via check within 10 business days after the account closure. However, it has been over a month now, and I haven't received the check. The bank keeps telling me it's still under review but refuses to give me a definite timeframe. This money is crucial for me, and I'm unable to carry on with my normal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-01-01 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: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/2023, file a dispute with LexisNexis regarding a XXXX  XXXX bankruptcy that was sent to XXXX, XXXX and XXXX I was informed by LexisNexis that the bankruptcy was validated from the bankruptcy court & Clerk .I went in person to the bankruptcy court and spoke to the clerk in case # XXXX XXXX XXXX on XXXX XXXX I was informed by the clerk Please see Letter stating that the bankruptcy dose not report or verify the accuracy of the court records LexisNexis is in violation of the Fair Credit Reporting Act 15 U.S.C. 1681 ( 4 ) the right to Privacy The FCRA state in 15 U.S.C.1601 states there is a needs to insure that the consumer reporting agencies exercise their grave responsibility and respect for the consumer 's right to privacy!!! LexisNexis is a corporation that does not follow the law. also, LexisNexis along with XXXX are in violation. of 15 U.S.C 1681 B- ( 2 ) in accordance with the written instructions of the consumer to whom it relates meaning me ( XXXX XXXX XXXX also 15 U.S.C 1681 N & 15 U.S.C.1681 O. I have sent over XXXX disputes to LexisNexis and refuse to follow that FCRA. 
dispute letters dated XXXX XXXX & XXXX XXXX Lexis Nexis XXXX XXXX, XXXX XXXX & XXXX XXXX also the bankruptcy letter dated XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
My husband, XXXX XXXX, last 4 of SS XXXX, DOB XX/XX/XXXX passed away on XX/XX/XXXX. There is no estate as he had no assets and his income came from SS and VA XXXX which stops at death. 
He had a credit card at USAA on which I was an authorized user only. The card has about XXXX on it and now appears on my credit report. 

As an authorized user only, I am not responsible for this debt and want it removed from my credit report immediately. 
I did not try calling them as it is difficult to deal with them without getting transferred all over. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Dear XXXX This is a complaint about Goldman Sachs credit cards fraudulent transaction. They claimed that they have resolved a dispute that I filed on a purchase from XXXX, but they did not actually pay me the credit that they promised. Here are the details of the transaction and the dispute : {$130.00} XXXX XX/XX/XXXX, XXXX Dispute Approved The dispute filed on this transaction has been approved. Refer to your dispute status email for additional information. 

Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX Disputed amount : {$250.00} Credited amount : {$250.00} However, I did not receive this amount in my account, and I have contacted Apple Card several times with no success. I strongly suspect that Goldman Sachs credit card is cheating consumers and embezzling these funds. I urge the authorities to intervene and stop this shameful behavior. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-01 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
My name is my domain this account with credit acceptance corporation should get updated to positive for defamation of character and slandering my when you go to a dealership you can not leave of the car lot with the name that's on the fake contract you sent me is different than the name on the insurance that would make the evidence I provide from these pictures valid and is indeed deflation of character

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