vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, 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: WA

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 XXXX XXXX # XXXX ) Account name 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 these accounts have 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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I tried my best to contact these companies through the credit bureaus and I haven't gotten any response. It feels like I'm being ignored. It's been over 90 days and I've heard nothing. I don't know what else I'm suppose to do. There are a bunch of inaccurate accounts reporting to my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX, XXXX Account # 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 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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, 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:
n accordance with the Fair Credit Reporting Act XXXX, XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I tried my best to contact these companies through the credit bureaus and I haven't gotten any response. It feels like I'm being ignored. It's been over 90 days and I've heard nothing. I don't know what else I'm suppose to do. There are a bunch of inaccurate accounts reporting to my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with XXXX XXXX XXXX XXXX  This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681 1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, 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 Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681 1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX. XXXX Account # XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an 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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've already had problems with Transunion and XXXX updating my name on my report after reporting me as my father for years. Now that they've recently done so they're giving me problems about removing inquiries that aren't mine or attached to any reporting tradeline of mine. I initially tried to have them removed which led to the discovery of them inaccurately reporting so I had to go back and forth about that in order to start the inquiry disputes. Now that I've done what I'm supposed to do on my end they're telling me to contact the original creditors ( which I've done ) and they're giving me backlash and the run around about the inaccurate inquiries.

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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I spoke with JP Morgan Chase Bank on Tuesday XX/XX/2023, from XXXX to XXXX about three separate fees marked as Non-Chase ATM Fee-Withdrawal. I asked if this could be waived as I had to use the ATM outside of the country. I was denied this request. 

The three separate fees were charged on : XX/XX/2023 XX/XX/2023 XX/XX/2023 The representative let me know that these fees were charged due to me using a Non-Chase ATM machine and I am encouraged to use an ATM machine from Chase. I asked if JP Morgan Chase had international partners for when I had to take out cash as not all countries have a cashless society like one in the United States. They responded that they do not. I asked if there was an account that I could upgrade to where I can avoid these fees. They answered they do not. I asked then if I am already being charged separately for using the ATM by the ATM holder in the beginning and being hit with a {$5.00} charge every time from Chase, I'm out at least ~ {$10.00} per transaction ( in this case, the fee for using the ATM was 300 DOP per transaction which equals to {$5.00} ). 

This seemed unfair and a junk fee as JP Morgan Chase does not offer any international ATM partnerships or an option for me to avoid these fees outside of just not using an ATM when abroad which can be hard to avoid in some countries. They offer no resolution outside of just plan to use a Chase ATM at all times at all costs ( even inside the US if there are no branches within a 50 mile radius or if this is inconvenient ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have no accounts that are delinquent. For both medical and personal credit cards or accounts. I have tried to communicate with all three bureaus and I am still receiving an abundant amount of calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IA

Complaint narrative:
Car loan was paid off in XX/XX/2022. There was an overpayment. We have not received the overpayment/refund owed back to us. I have contacted the company multiple times a month for last 6 months with reassurance that the overpayment is being mailed but to date I have not received anything. I shouldn't have to keep calling for overpayment that is clearly owed back to me. I spoken with multiple account specialist and keep hearing the same thing over and over again with no resolution. PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There's some kind of mistake on the company 's reporting on my credit report as I was never late in paying them monthly and because this is important to me.

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 2023-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
1 ) Ally Financial have been allocating the payments I specifically designated as going towards the PRINCIPAL amount of the loan, to the Finance Charges Paid. By doing this they are collecting much more Finance Charges than they agreed upon. 
Please, see the attached payment history I received from Ally XXXX XX/XX/XXXX. 
For example please take a look at the last payment I made on XX/XX/XXXX, I had already paid XXXX payment due on XX/XX/XXXX. I designated the entire {$200.00} to the loan Principal, Ally allocated only {$170.00} to the principal and {$23.00} to Finance Charges Paid. 
This is not just this payment, please look at payment for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX amount was allocated to the loan principal. 

2 ) Ally claim that I asked for 180 days extension to the loan, that is ABSOLUTELY FALSE. Please, see payment made on XX/XX/XXXX, then on XX/XX/XXXX, that is only 120 days. I called Ally in XXXX of XXXX asking if I can postpone my XX/XX/XXXX payment due to COVID 19, they offered me 3 additional months, they failed to explain that I will be charged all these outrageous Finance Charges. 

3 ) Ally took advantage of my circumstance, that I had only a couple of hours to either buy my leased car or turned on. Yes, I had some family emergency and I was working and XXXX XXXX told me it will be very simple to buy the car and finance it at the dealer. I had a very good job at the time, and my credit score was very good. Yes, I signed the agreement, however, the interest rate I charged was much higher than it should be. 

I am hoping by bringing all this up is that the CFPB take a strong action towards Ally Financial so they stop using these tactics.

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 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've already had problems with XXXX and Equifax updating my name on my report after reporting me as my father for years. Now that they've recently done so they're giving me problems about removing inquiries that aren't mine or attached to any reporting tradeline of mine. I initially tried to have them removed which led to the discovery of them inaccurately reporting so I had to go back and forth about that in order to start the inquiry disputes. Now that I've done what I'm supposed to do on my end they're telling me to contact the original creditors ( which I've done ) and they're giving me backlash and the run around about the inaccurate inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
National Credit Systems , INC Has sent me three notices of debt to an apartment I no longer live at. The first one, I threw away after calling the apartment and they told me it was a scam that many people were calling about. NCS had knocked down my credit score so I reported the late fee as fraud on XXXX. The credit issue was resolved. The second notice I received was on XX/XX/XXXX saying I owed the apartment complex {$210.00} with a resolution offer of {$100.00}. A similar notice was sent again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act Barclays Bank account # XXXX, has violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for XXXX purpose. 
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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to you to bring to your attention a serious matter regarding an erroneous credit report that has led to identity theft. Despite my repeated attempts to resolve this matter, I have not received any satisfactory response from your agency. 
Firstly, I would like to inform you that there are certain accounts that are not reporting on all three Credit Reports. This is in clear violation of Metro 2 compliance standards. As a consumer, I have the right to have accurate and complete information on my credit reports. The omission of certain accounts is leading to an incomplete and inaccurate credit report, which is affecting my creditworthiness and financial standing. 
Secondly, the erroneous credit report has resulted in identity theft, which has caused significant financial and emotional distress. I have repeatedly notified your agency about the fraudulent accounts, but the investigation has failed to resolve the issue. The lack of appropriate action has resulted in the identity theft persisting, and I am now facing severe financial and personal consequences. 
I strongly urge your agency to take immediate and appropriate action to investigate and resolve the erroneous credit report and the identity theft. As a consumer, I have the right to accurate and complete information on my credit reports and protection from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX - Ordered an XXXX at XXXX from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX and was dropped off ( XXXX XXXX XXXX XXXX ) 15 minutes later - Fell asleep and woke up around XXXX to realize phone was missing - Used Find my XXXX app on roommates laptop and phone pinged in XXXX parking lot in XXXX XXXX had not checked wallet at this point - Fell back asleep until XXXX, woke up to check wallet and realize debit card and credit card were missing. Checked bank accounts and both checkings and savings accounts were compromised - Reported claims to Chase o {$500.00} withdrawal from Chase ATM ( XXXX XXXX XXXX XXXX ) Withdrawals made between XXXX XXXX o ~ {$4900.00} withdrawals from various XXXX in XXXX XXXX XXXX XXXX XXXX made between XXXX XXXX XXXX XXXX XXXX XXXX Withdrawals made between XXXX XXXX XXXX XXXX XXXX XXXX Withdrawals made between XXXX XXXX XXXX XXXX XXXX  Withdrawals made between XXXX XXXX XX/XX/XXXX - Given provisional credit for 1st claim - ~ {$450.00} of {$5400.00} total XX/XX/XXXX - Given provisional credit for 2nd claim - {$500.00} of {$5400.00} total XX/XX/XXXX - Police report filed with XXXX Police Department XX/XX/XXXX - Initial claim of {$4500.00} was denied by Chase - Appeal is filed XX/XX/XXXX - Appeal on claim for {$4500.00} is denied by Chase XX/XX/XXXX - Claim for {$500.00} is overturned and denied - Claim for {$450.00} is overturned and denied XX/XX/XXXX - Visit Chase branch and was told that the police report is not enough evidence to file an appeal on denial decisions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I received a text message from Suncoast FCU asking if I authorized two charges on my debit card. 
I selected no. 
Suncoast texted me again and stated the card has been blocked and I can dispute the charges. 
Suncoast did not automatically send me a new card and blocked my card without asking, even though it is still in my possession. 
They are now wanting me to wait two weeks for a new card or pay {$25.00} for an expedited card when there were unauthorized charges, and I did not ask for it to be blocked. 
Suncoast additionally stated in a general inbox message " any charge that is pending is considered authorized. '' So I am locked out of my account for two weeks, lost time due to Suncoast not automatically sending a new card knowing I needed one and am out the funds that were not authorized to be charged to my card because Suncoast considers " all pending charges are authorized. '' Suncoast is holding my money hostage and is asking for payment due to unauthorized fraud or I will not be given access to my account while allowing random merchants to steal funds out of my account and not disputing it on my behalf.

Company response to consumer: Closed with explanation