vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am writing to express my serious concerns regarding the handling and distribution of my personal information by XXXX, XXXX, and XXXX, in conjunction with American Express and XXXX XXXX. My complaint is grounded in the obligations set forth by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), which underscores the necessity for consumer reporting agencies to operate with fairness, impartiality, and a profound respect for consumer privacy.

It has come to my attention that my personal and financial data has been shared without my explicit consent, in direct violation of the principles outlined in 15 U.S.C. 6801. This section clearly states that financial institutions hold a continuous responsibility to uphold their customers privacy and the confidentiality of their nonpublic personal information. Given that American Express and XXXX XXXX operates as a financial institution within the interpretation of this statute, they, alongside the aforementioned consumer reporting agencies, are required to adhere to these guidelines. 

Further to this, 15 U.S.C. 1681b sets forth the permissible circumstances under which my consumer report may be furnished. It is explicitly stated that consumer reports can only be distributed in adherence to the written instructions of the consumer to whom it relates. I have not provided such permissionin written or any other formto XXXX, XXXX, XXXX, or American Express and XXXX XXXX. Furthermore, I am not the account holder on these accounts nor have I given any permission to report these accounts to any of my reports. Accordingly, I hereby revoke any presumed consent for the distribution of my information, irrespective of its form. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt-out of your reporting services effectively immediately. I insist on a prompt review and rectification of these issues, aligning with the stipulations and the spirit of the Fair Credit Reporting Act and related statutes concerning consumer rights and privacy.

The Privacy Act of 1974 ( 5 US Code 552a ) 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 a written request by, or with the prior written consent of the individual to whom the record permits neither American Express or XXXX XXXX have never received written or verbal consent from me to report to any consumer reporting agency as I am not the accountholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: PA

Complaint narrative:
I recently checked my credit report and the most updated information that is being recorded For the following account XXXX XXXX and account number XXXX is INACCURATE. According to 15 USC 1681s -2 ( f ) a person may not provide any information related to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is incorrect. My report states that on Transunion the account is CLOSED, XXXX as OPEN and XXXX CLOSED. 

Also the last activity showing on my report stated that Transunion recorded XXXX XXXX and on my XXXX showing XX/XX/XXXX XXXX XX/XX/XXXX. 

Allow me to also mention my monthly payment on TRANSUNION that reported {$0.00} XXXX {$570.00} and XXXX {$0.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy and fairness, I request immediate Deletion of this account from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : 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 non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: DE

Complaint narrative:
I am certain that I always pay on time. What I can not comprehend is why this company is marking me late for specific months, which is incorrect. According to USC 1666b, billing errors should be corrected, or the company will owe me {$1000.00} per account for inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.

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 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024 I used my debit card to pump gas at XXXX XXXX in XXXX California with a total amount of {$73.00}. Five minutes after I pumped gas I received a call from my Chase Bank stating they were able to see that my card was being fraudulent use. They were calling me to confirm if I was aware of this. I told the representative that I didn't feel safe give specific information over the phone, because I didn't not recognize the XXXX number and that I was going to call my bank. Right away I called the Bank and I was looking at my bank statement when all of the sudden I started to notice that I was being charge for multiple transaction. 
List of Transaction in less than 5 minutes XXXX XXXX  XXXX XXXX XXXX XXXX  {$74.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  {$74.00} XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$74.00} XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX  {$74.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$74.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$16.00} XXXX XXXXXXXX XXXX  {$120.00} With a total of {$510.00} deducted from my Debit account. 
The Representative told me that they were going to conduct an investigation. I told them if they wanted me to file a police report because it was not fair and any other person could be a victim. They told me not to worry that they will take care of the investigation. 
Today XX/XX/2024, I received a letter from the Bank stating that " We found that the transaction ( s ) was processed according to the information provided or was authorized '' they said because I used my debit card and because I used my PIN. 
as a result we are removing from your account {$510.00} from my account on or after XX/XX/2024. 
After I reviewed the letter I called my Bank, and they said that there is nothing they could do because I used my PIN and they are blaming me or any other family member of using my card to make the above mention transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-18 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: CA

Complaint narrative:
According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: MD

Complaint narrative:
I am writing to express my serious concerns regarding the handling and distribution of my personal information by XXXX, XXXX, and XXXX, in conjunction with XXXX XXXX and Capitol One. My complaint is grounded in the obligations set forth by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), which underscores the necessity for consumer reporting agencies to operate with fairness, impartiality, and a profound respect for consumer privacy.

It has come to my attention that my personal and financial data has been shared without my explicit consent, in direct violation of the principles outlined in 15 U.S.C. 6801. This section clearly states that financial institutions hold a continuous responsibility to uphold their customers privacy and the confidentiality of their nonpublic personal information. Given that XXXX XXXX and Capitol One operates as a financial institution within the interpretation of this statute, they, alongside the aforementioned consumer reporting agencies, are required to adhere to these guidelines. 

Further to this, 15 U.S.C. 1681b sets forth the permissible circumstances under which my consumer report may be furnished. It is explicitly stated that consumer reports can only be distributed in adherence to the written instructions of the consumer to whom it relates. I have not provided such permissionin written or any other formto XXXX, XXXX, XXXX, or XXXX XXXX and Capitol One. Furthermore, I am not the account holder on these accounts nor have I given any permission to report these accounts to any of my reports. Accordingly, I hereby revoke any presumed consent for the distribution of my information, irrespective of its form. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt-out of your reporting services effectively immediately. I insist on a prompt review and rectification of these issues, aligning with the stipulations and the spirit of the Fair Credit Reporting Act and related statutes concerning consumer rights and privacy.

The Privacy Act of 1974 ( 5 US Code 552a ) 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 a written request by, or with the prior written consent of the individual to whom the record permits neither XXXX XXXX or Capitol One have never received written or verbal consent from me to report to any consumer reporting agency as I am not the accountholder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My loans transferred from nelnet to XXXX and nelnet is still showing up on my credit report. So now it shows double the amount of loans it should show. I filed a dispute with experian and it didnt fix the problem. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: MA

Complaint narrative:
FCRA 605B mandates the removal of incorrect accounts from my credit report. This account is inaccurately reported, so please eliminate it from my credit file. I am owed {$1000.00} for every incorrect entry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.

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 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Today XX/XX/year> I called customer service to increase the daily limit, because I need to make 2 purchases in XXXX for an amount around {$900.00} twice, the override was done without any problems, and the first transaction did go through, but the second transactions was flagged as possible fraud. I didnt receive any call or text message on my phone number registered with the bank, only the email with the case number XXXX. I called the phone number indicated on the email, after a few questions the representative told me that the phone number is not eligible to receive one time passcode, and I was referred to a branch. Im travelling in XXXX, Im not XXXX resident and I live in XXXX. So, they told me I can send a utility bill and passport to be verified. 
This phone number was updated on XX/XX/XXXX from the old number XXXX XXXX XXXX to XXXX XXXX XXXX XXXX prepaid mobile phone US Mobile under my own name, so XXXX cant guess what is an " eligible '' phone for the bank to be able to get those codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Newport Intermediate Inc.
State: CA

Complaint narrative:
I received a payment in the form of a prepaid gift card for participating in an opinion survey. The XXXX prepaid e-gift card was issued on XX/XX/XXXX in the amount of {$170.00} by XXXX ( now called mypaymentvault ). I used the card twice XX/XX/XXXX for {$39.00} payment to XXXX and on XX/XX/XXXX for {$2.00} to XXXX XXXX Register. I attempted to use the card on XX/XX/XXXX at XXXX establishments and both were declined saying card was expired. This is less than 7 months after the card was issued to me! That means I am losing {$130.00}. Forfeited! Who gets to keep this money? Seems like a scam that a company can keep money with no reminder of an expiration date. I was asked for identity information when the card was activated. There is no reason a reminder or final check issue could not be made. Even if a small fee were assessed that would be more ethical than a company taking possession of unused funds, essentially stealing money from consumers. Fraudulent!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Intormation In me tie or a consumer inarte consumer centres as Intormation that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: MA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my 3 Bureau credit report XX/XX/XXXX. After Reviewing my reports. I noticed there was an account that had a 30 DAY late payment. 
XXXX XXXX XXXX XX/XX/XXXX As a consumer I have rights that should be abided by. To my knowledge I am subject to an investigation about this instance on my report. I understand, By Law you are required to report accurate and verifiable information but you are not respecting my consumer rights. I am requesting there be an investigation.

BELOW ARE THE LAWS THAT ARE BEING VIOLATED : Under the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I understand that these are supposed to be reported but if things such as late payments are being reported it goes against the definition of a consumer report ( as I state above ) which makes it inaccurate and unreliable. BY law its not considered a consumer report because it isn't Fair and accurate information.

Late payments are considered a transaction, the law clearly states Reports containing information solely as to transactions and experiences between the consumer and the person making the report. 30 Day Late Payments are considered Transactions. Therefore, this 30 day late payment should be investigated and Reversed to read ok.

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL 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 did not grant permission for anyone to furnish such things on my report. Unless it is written consent by the consumer ( me ) these types of report information should not be reported. 

XXXX XXXX XXXX XX/XX/XXXX Failure to comply satisfactorily with the reversal of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I am prepared to take any necessary legal actions if demands are not met. Reverse the late payments for XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX have found fraudulent inquiries in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In my personal research, I discovered several Fair Credit Act violations in the contracts I obtained from XXXX XXXX XXXX and Navy Federal Credit Union. These violations include : - Promissory note - Requiring a deposit to be made - Using consumers ' social security numbers to obtain loan funds- Disclosing consumers ' personal identification and sensitive information to credit reporting agencies without written permission. 

According to 15 USC 16026, I am considered the creditor. Additionally, 15 USC 1662 states that it is illegal for the lender to request a down payment. Referring to 42 USC 408, it is deemed fraudulent to request my social security number. Furthermore, based on 15 USC 1605, the lender was obligated to provide me with insurance. I am perplexed as to why I was required to pay a down payment and why the lender never provided me with insurance, instead requiring me to obtain my own insurance. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, I received email communications from Nelnet alerting me that my account was in administrative forbearance. On XX/XX/year>, I received another correspondence via XXXX that I had a payment due on XX/XX/year> ( all correspondence are attached ). 

It was my understanding that I would be alerted about the resumption of payments 30 days before the new date. The notices of forbearance led me to believe that I still had at least 30 days before my payments resumed, but now I find myself with a payment due in 15 days.

Company response to consumer: Closed with explanation