vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
XXXX is reporting information about my educational record that they have no permission to report. 

Family Educational Rights and Privacy Act ( FERPA ) Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interests ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. 

There is no contract or written permission where I { put your name } gave any written permission. 
If you XXXX believe that I have given you this permission I am requesting the document pursuant rule 1002.

Further more my non-public personal information is Private. It is also confidential and you are violating my right to privacy and confidentiality by reporting this information illegally without written permission. 
I sent over a dispute letter to the CRA 'S and they did nothing they could not proof anything they do not follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
XXXX is reporting information about my educational record that they have no permission to report. 

Family Educational Rights and Privacy Act ( FERPA ) Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interests ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. 

There is no contract or written permission where I { put your name } gave any written permission. 
If you XXXX believe that I have given you this permission I am requesting the document pursuant rule 1002. 

Further more my non-public personal information is Private. It is also confidential and you are violating my right to privacy and confidentiality by reporting this information illegally without written permission. 
I sent over a dispute letter to the CRA 'S and they did nothing they could not proof anything they do not follow the law.

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 2024-01-31 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: PA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I do not recognize the inquiries on my credit report and thinks it's fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
I checked my credit report and saw an inquiry from XXXX of XXXX XXXX, I sent a dispute requesting my permissible purposes 15 U.S Code 1681b, proof I permitted them to access my credit report I did not recieved any documents. I reported it to Experian requesting for permissible purposes they could not send me any proof. Experian does not follow the law, they do not care who they destroy for money

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I'm not sure why but TransUnion is reporting a big credit drop on my score. XXXX tried to charge me {$400.00} for an international call I tried to make on WiFi, but I do not see this reflected on the report so I am unsure if this is causing the problem. There are also items having to do with my student loans and small incremental increases of around {$100.00}.

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 2024-01-31 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-31 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute hard inquiries that appear on my credit report, which are unauthorized and 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 2024-01-31 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: CA

Complaint narrative:
Experian is still up to the same old tricks and scams. My XXXX XXXX credit card account is showing that it has a balance and is over the limit. But it doesn't. The account is paid in full and has no balance. It is actually less the XXXX, because it has a small credit balance in my favor. Despite providing Experian a letter from the furnisher verifying this fact, Experian completed and closed the investigation by " verifying '' that the outdated and inaccurate information was true and correct when it is false and inaccurate. Maintaining accurate credit reporting is critical to scoring and relationships, so I find it deplorable that despite this, Experian, upon " verifying '' and closing my investigation, proceeded to immediately send me an " alert '' that my report, as of today, is reporting my credit limit exceeded for this account! I received similar alerts from my credit monitoring. What good are these alerts and monitoring tools if Experian isn't effective at correcting irregularities. Separately, I spoke with the bank ( furnisher ) and based on their policies, they refer back to the credit bureau. " There is nothing else we can do beyond providing you an account status letter. We update monthly and anything in connection with reporting must be directed to the credit bureau. You may be able to file a dispute. '' In sum, my credit report is falsely reporting an account balance and I am getting the proverbial run around.

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 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was selling a product and cash app business accounts supposedly requires additional action. I did so and not they stole about XXXX dollars from me. And requested I open an account with some random bank, that never got open. Now there saying they can give me my money but are requiring that I give them another XXXX no way Im doing that. The owe me XXXX and I asked them to take it out of the money and they saying that cant do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: DISCOVER BANK
State: MA

Complaint narrative:
The date that this card was opened is XX/XX/2023. The card is from Discover Bank and I have called them to disable that account since I never inquired from them personally. Fortunately they provided the address and email where the card was attached to. The address is XXXX XXXX XXXX XXXX XXXX, NC. The email address ( from memory ) was XXXX but I would rather have Discover tell me the email again. The credit card has a limit of {$2000.00} and the person who used it spent ~ {$1900.00} on it and did not pay it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I opened a new credit card processing account with Chase payment services on Account details are as follows : XXXX # : XXXX / XXXX # : XXXX I was processed a {$1000.00} bonus after completing {$2000.00} in payments. 

I completed the payments and have not received the bonus. 

I now request the {$1000.00} bonus plus {$250.00} for my time and stress. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This company constantly charged overdraft fees in less than 24 hours when I asked him to leave the overdraft fee because it's less than 24 hours sometimes they do it most times they refuse to do it or tell me that they can't do it.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a complaint to Transunion notifying them that account XXXX XXXX XXXX was in violation of 15 U.S.C 1681 section 602 A. which states States I have the right to privacy.

and...

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 Transunion responded that everything was accurate, however the complaint was for privacy, not accuracy. Please provide my written instructions that state you can leally furnish my account as it is stated in 15 U.S.C 1681 Section 604 A Section 2 or delete the 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 2024-01-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally auto has not allowed me to send important documents proving my lease return. 

Their investigation was not correct because I have proof of my return on actual date. 

They have closed my dispute stating that it was duplicate and resolved. 

Ally did not contact me after the account went to collections ( which never should have happened ). Once I received notice of the charge off it was paid immediately. 

Trying to contact Ally to provide my proof is near impossible, I would simply like the charge off removed from my damaged credit report which would be very simple for them to do. 

This is complete negligence, Ally is an awful company.

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 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have continued to get the run around from Chase Bank. I deposited a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank Check for $ XXXX into my checking account on XX/XX/24. This was a refund from an excess in XXXX Chase refuses to release the funds. They have told me multiple excuses : the check has not cleared from XXXX, XXXX confirmed the funds were cleared but wont confirm the date of clearance, we can not confirm there are no stops/holds on the check, etc. the excuses seem to pile. I had the Chase associate 3-way call XXXX so that I could hear the conversation. The XXXX associated CONFIRMED the check was valid and that the funds had been released and cleared from their end. Chase wants to know the date it cleared, XXXX cant provide that for security purposes, therefore they wont release funds to me. This is absurd, I go into the Chase branch myself, an associate at the branch requested the funds be released because he says from his end we have the funds, theyve been released to us. The associate calls me and says his request was denied. He tells me he called the back office himself, and the back office they told him that they can not confirm the funds had cleared. This is a complete run around!!! I heard XXXX  with my own 2 ears confirm the funds had been released and cleared. Why does this continue to be an issue!? Its MY money!! I have deposited this check into a my previous XXXX account for years (!!! ) with no issues. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/2022, I received a letter of approval for discharged based on my application for the Borrower Defense Case # XXXX. I visited the Department of Education and Federal Student Aide website, but my account displays the message, ( Processing Discharge ). It has been over 180 days to no avail. Department of Education stated they have sent the notice of discharge to my servicer, Mohela, but Mohela redirects me back to Department of Education. I've been dealing with this issue since XXXX of 2022, with no updated answers. I am tired of waiting and not receiving feedback as to why my loans are not being discharged. 

This has been an ongoing issue with repayment of the loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: KY

Complaint narrative:
The reporting agency did not follow the rules to remove adverse information due to Human trafficking from my report. Although I provided all the required documents. Additional documents were requested because they said my self attestation letter that was provided as the determination could not be verified although it contains the signature of an approved agencies case worker. The rules state that A consumer reporting agency must block adverse information within four business days of receiving a consumers submission.

1022.142 ( e ) ( 1 ) Notification to consumer and attempt to resolve deficiencies A consumer reporting agency must notify the consumer within five business days of receiving a consumers submission if additional information is necessary to complete the submission or if any of the required documentation is missing. 
Consumer reporting agency requests regarding additional or missing information are limited to situations where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. 
A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item information resulted from a severe form of trafficking in persons or XXXX trafficking under the Rule. 
Final determination and authority to decline or rescind a block A consumer reporting agency must make a final determination on the consumers request within 25 business days of receiving a consumers submission. 
A final determination under the Rule is either to initiate or maintain the block of adverse information initially placed or decline and rescind a block. 
A consumer reporting agency may only decline and rescind a block after notifying the consumer or the consumers representative using the method of contact specified by the consumer and attempting to resolve any deficiencies in the consumers submission. A consumer reporting agency may only decline and rescind a block where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. 
A consumer reporting agency may not make a determination based on the validity of the facts or circumstances in the consumers trafficking documentation submission.

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 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have a DMV case XXXX. Where someone sold me a car with a fake title. I deposited XXXX USD to the account : XXXX on Chase bank transfer Reference number : XXXX and XXXX  XXXX. I deposited from my XXXX account in XXXX. They used a fake identity for the car and sold it to me with a fake title. I took the case to the DMV and is in the process of investigation, they have determinated it was a fake title and fake identification involved.

Company response to consumer: Closed with explanation