vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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:
According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is mandated that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and Experian fall under the category of consumer reporting agencies, and I, as the consumer, possess the right to ensure that my private information remains confidential. This right is reinforced by Section 6801 of Title 15 USC, which emphasizes the obligation of financial institutions, including those furnishing information to credit agencies, to safeguard customer privacy and confidentiality. 

Section 604 ( a ) ( 2 ) of Title 15 USC states that consumer reporting agencies may only furnish consumer reports in accordance with written instructions from the concerned consumer. Neither the financial institution nor the consumer reporting agencies, XXXX and Experian, have obtained my consent, let alone written consent, to furnish my information. Therefore, any previous consent, whether verbal, non-verbal, written, or implied, to XXXX, Experian, or the furnisher of information to credit agencies, is hereby revoked. 

Furthermore, Section 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to third parties unless the consumer is informed of their right to opt out. However, the furnisher of information to credit agencies failed to inform me of this right to exercise my nondisclosure option. 

Additionally, Section 1681C ( a ) ( 5 ) stipulates that consumer reporting agencies can not include adverse items of information in consumer reports without authorization. Yet, XXXX and Experian are reporting adverse information without my permission, which is a violation of the law. 

According to Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e of Title 15 USC, it is prohibited to furnish inaccurate information to consumer reporting agencies, and every consumer reporting agency is required to maintain reasonable procedures to ensure compliance with the law. XXXX and Experian are evidently failing to uphold these standards. 

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.

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 2024-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: MT

Complaint narrative:
On XX/XX/2024 I called PenFed and attempted to schedule two payments to bring my vehicle loan current. I specifically requested that these payments be scheduled for XX/XX/2024 and XX/XX/2024. The representative verbally acknowledged these payments and expressed understanding of my request. I received a confirmation email a few moments later and noticed that the representative had initiated a payment dated XX/XX/2024. This payment was not initiated or authorized by me. I immediately called PenFed customer service and spoke to a different representative who verbally told me that he was going to " put in a request '' to cancel the payment scheduled for XX/XX/2024. He then scheduled another payment for the correct date of XX/XX/2024. On XX/XX/2024 I received a notification that the payment from XX/XX/2024 had gone through. I immediately called PenFed and the representative this time told me that I had not cancelled the payment 24 hours in advance and she could not do anything, but she would " put in a request '' to have the payment reversed. She also explained that the payment would not post to my checking account for 3-5 business days. That evening {$410.00} was taken from my checking account causing it to be overdrawn. I spoke to a few more representatives, but no one will even attempt to correct the fraudulent transaction. This situation has caused me a significant financial hardship and I have explained the problem to PenFed multiple times, but they keep saying that I should have cancelled the payment 24 in advance. I continue to explain that I did not initiate or authorize the payment taken from my account on XX/XX/2024, each representative responds by telling me that they are " submitting a request '' but nothing ever comes of these requests. I have sent multiple emails to PenFed between XX/XX/2024 and XX/XX/2024. PenFed refuses to respond to any of my emails. My checking account has been overdrawn for several days and I am experiencing significant hardship due to PenFed 's fraudulent transaction against my account. I am requesting the reversal of the fraudulent charge and lost wages as the fraudulent charge has caused me to be unable to go to work ( due to the negative balance in my checking account ). I am also requesting that I be reimbursed for three overdraft charges ( {$15.00} each ) incurred as a direct result of the fraudulent transaction. PenFed initiated, carried out, and processed a payment out of my checking account that I did not initiate or authorize. PenFed was alerted at every step what had happened and refused at every step to reverse the fraudulent charge. 

*For clarification, the fraudulent charge initiated by PenFed was debited from an external checking 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 monetary relief
Consumer complaint received 2024-03-15 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Pursuant to 16 CFR 433.2, as the consumer I am preserving my claims and defenses for unfair or deceptive acts and practices. Referring to TILA ( 15 USC 1601 ) and 12 CFR 226.2, the Visa Flagship Rewards Card was provisioned with a {$5000.00} limit. 15 USC 1692e discusses false and misleading representations wherefore a debt collector may not use false, deceptive, or misleading representations or means in connecting with the collection of ANY debt. This law was cited because the monthly statements required with each billing cycle did not include legal disclosures that explain my rights. Deceptive monthly statements have also been furnished pursuant to 15 USC 1666b as the statements provided fail to display my indebtedness using negative numbers. The most recently furnished billing statement has a minimum payment due of {$290.00}, a past due payment of {$180.00} and a balance of {$4400.00}. Furthermore, Navy Federal Credit Union has committed mail fraud by not registering the securities they mail to my address on file and making the disclosures necessary on the envelope the statements arrive in. 12 CFR Part 1026 Regulation Z governs open-end credit treatment of credit balances. When the balance is in excess of {$1.00}, 12 CFR 1026.11 states the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: NY

Complaint narrative:
There is this self account ( installment loan ) reporting on all XXXX of the bureaus that I do not recognize and it has a late payment reporting to it that is greatly affecting my chance of approval and I need it removed as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( XXXX XXXX ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} CXXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$600.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX {$1600.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15 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: OH

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( XXXX XXXX ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$600.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: MD

Complaint narrative:
I have asked this Company to please remove all of these unauthorized inquiries from my credit report. To no avail.

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 2024-03-15 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: TX

Complaint narrative:
PLEASE REMOVE FRAUDULENT HARD INQUIRIES FROM MY EXPERIAN CONSUMER REPORT I HAVE INCLUDED AN FTC REPORT UNDER OATH. THIS IS PROBLEMATIC. IVE BEEN DENIED FOR CREDIT COSTING ME XXXX XXXX XXXX NOW I KNOW WHY. THERES XXXX  CREDIT INQUIRIES ON MY REPORT THATS NOT CONNECTED TO ANY ACCOUNTS THIS IS A CLEAR VIOLATION AND I DIDNT GIVE WRITTEN PERMISSION ACCORDANCE TO 15 USC 1681a. ( 2 ).

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 2024-03-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year> I opened a dispute with USAA ( dispute case number XXXX. ) re guarding a transaction on my checking account with XXXX for {$500.00} and another for XXXX for a paint job that was not done correctly. When opening the dispute I included dates, times, emails and pictures showing proof that the work was not done properly and that I never received a response from XXXX trying to resolve this matter. USAA refunded me the money then reversed the charges after a mistake on their end stating that they did not receive the information needed. I called and provided proof of the documents as well as emails again to USAA with no word from XXXX. Then after 6 months XXXX responds to USAA and tells them that they will resolve the issue. well at that point I no longer have the vehicle and the USAA claim should have been completed according to their policy. this has happened to me a couple of times when disputing items with USAA, you provide documents on your behalf that they just ignore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
XX/XX/2024 MoneyGram Payment Systems, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Ref : Termination of my Profile I dont understand why you found it necessary to terminate access to my account with you that I have had for several years, and all my transactions have been for legitimate reasons : I will list the last transactions I have made and an explanation. 
# XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00}, XXXX XXXX XXXX XXXX # XXXX # XXXX, XXXX XXXX XXXX XXXX {$640.00}, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX ( TRANSACTION CANCELED ) I have strong connections with XXXX, lots of friends in that country, so let me explain my transaction which I shouldnt have to. 
Transaction # XXXX for payment of services for XXXX XXXX XXXX XXXX XXXX XXXX. Contact person is XXXX XXXX XXXX, XXXX XXXX. The Money was sent, and XXXX  XXXX has a courier whose name is XXXX XXXX XXXX. The information applies to transactions # XXXX. 
Transaction # XXXX Is a very dear from of mine whose going through some difficult time, without a job, and I loan him {$300.00} until he gets on his feet. 
Transaction # XXXX Is another dear friend of mine in XXXX XXXX for an appointment with XXXX  XXXX, and in the interim was able to get a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and he needed money for food and a XXXX XXXX 
I respectfully request you call these people to corroborate my information, restore access to my account or accuse me of a XXXX  and turn me over to the authorities. 
What should a friend let other friends XXXX XXXX XXXX  or lend a helping hand. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: GA

Complaint narrative:
According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is mandated that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and XXXX fall under the category of consumer reporting agencies, and I, as the consumer, possess the right to ensure that my private information remains confidential. This right is reinforced by Section 6801 of Title 15 USC, which emphasizes the obligation of financial institutions, including those furnishing information to credit agencies, to safeguard customer privacy and confidentiality. 

Section 604 ( a ) ( 2 ) of Title 15 USC states that consumer reporting agencies may only furnish consumer reports in accordance with written instructions from the concerned consumer. Neither the financial institution nor the consumer reporting agencies, XXXX and XXXX, have obtained my consent, let alone written consent, to furnish my information. Therefore, any previous consent, whether verbal, non-verbal, written, or implied, to XXXX, XXXX, or the furnisher of information to credit agencies, is hereby revoked. 

Furthermore, Section 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to third parties unless the consumer is informed of their right to opt out. However, the furnisher of information to credit agencies failed to inform me of this right to exercise my nondisclosure option. 

Additionally, Section 1681C ( a ) ( 5 ) stipulates that consumer reporting agencies can not include adverse items of information in consumer reports without authorization. Yet, XXXX and XXXX are reporting adverse information without my permission, which is a violation of the law. 

According to Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e of Title 15 USC, it is prohibited to furnish inaccurate information to consumer reporting agencies, and every consumer reporting agency is required to maintain reasonable procedures to ensure compliance with the law. XXXX and XXXX are evidently failing to uphold these standards. 

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.

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 2024-03-15 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:
According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is mandated that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. Equifax and XXXX fall under the category of consumer reporting agencies, and I, as the consumer, possess the right to ensure that my private information remains confidential. This right is reinforced by Section 6801 of Title 15 USC, which emphasizes the obligation of financial institutions, including those furnishing information to credit agencies, to safeguard customer privacy and confidentiality. 

Section 604 ( a ) ( 2 ) of Title 15 USC states that consumer reporting agencies may only furnish consumer reports in accordance with written instructions from the concerned consumer. Neither the financial institution nor the consumer reporting agencies, Equifax and XXXX, have obtained my consent, let alone written consent, to furnish my information. Therefore, any previous consent, whether verbal, non-verbal, written, or implied, to Equifax, XXXX, or the furnisher of information to credit agencies, is hereby revoked. 

Furthermore, Section 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to third parties unless the consumer is informed of their right to opt out. However, the furnisher of information to credit agencies failed to inform me of this right to exercise my nondisclosure option. 

Additionally, Section 1681C ( a ) ( 5 ) stipulates that consumer reporting agencies can not include adverse items of information in consumer reports without authorization. Yet, Equifax and XXXX are reporting adverse information without my permission, which is a violation of the law. 

According to Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e of Title 15 USC, it is prohibited to furnish inaccurate information to consumer reporting agencies, and every consumer reporting agency is required to maintain reasonable procedures to ensure compliance with the law. Equifax and XXXX are evidently failing to uphold these standards. 

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
On or around XX/XX/year>, my credit report was pulled for a mortgage application and a tradeline with this company appeared as a charged off account and sold to a third party debt collector. I contacted XXXX XXXX XXXX to find out about this tradeline as I had not opened an account with them because I had had an account with them many years ago that was taken care of but because of the issues I had I swore them off. Originally there were 2 accounts under XXXX on my report and when we discussed the issue, one account was deleted as fradulent, but this one has remained. I am aware of my financial responsibilities, but I am not happy about being responsible for a debt that I did not apply for. I have contacted this company multiple times and disputed them with all three credit bureaus and this debt comes back verified every time, but I have yet to receive anything from this company authenticating this account as mine.

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