vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ND

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

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

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

( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 
nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. 


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: 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: ND

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

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

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

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

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


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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX I have 7 inquiries for one auto loan purchase. These should be counted as one inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LDF Holdings, LLC
State: MD

Complaint narrative:
Lendumo has predatory and unlawful practices. I took out a loan for {$1000.00} on XX/XX/23 due to some financial hardships. To date, I have paid {$2900.00} on a loan of {$1000.00} and but continue to make payments of {$260.00} biweekly due to the outrageous 745  % interest rate. What I was not aware of was the 33 % annual interest rate limit in Maryland. I contacted the company on XX/XX/23 with the following email : " To Whom It May Concern, I am reaching out to resolve my outstanding loan. Lenduomo is not authorized to provide loans in the state of Maryland as it is not licensed by the XXXX XXXX XXXX XXXX, and the interest rate of 745 % exceeds the legal state limit of 33  %. To date, I have paid {$2900.00} on a loan of {$1000.00}, and will consider the loan paid in full. Please confirm receipt of this email and resolution of this matter. '' I have not yet received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XXXX, I opened a credit card ( Chase ) for the company I worked for. I was in management and had the authority to open a credit card. In XXXXXXXX XXXX XXXX, I left the business and requested they remove me from all bank accounts and credit cards. In XXXX, I was told by Chase that the card had continued to be used by my former company and they had defaulted. The card had been used without my knowledge or authority for unauthorized purchases. I opened a fraud claim with Chase. They conducted an investigation and determined I was liable and this was not fraud. They have closed the investigation. I believe the bank has not conducted a thorough investigation for the following reasons : 1. I was told by two members of the fraud department that I needed to file a police report for the bank to conduct their investigation. That police investigation is still ongoing, yet the bank has closed their investigation. 
2. The bank has not interviewed me to determine what happened nor asked for any information to be submitted. I have had to call multiple times to talk to operators who can only read from a script. 
3. I spoke to the fraud department with the CEO of the company to discuss what happened. I was told to submit a police report from that conversation. I was then contacted by the same fraud department and told they had closed the investigation and they do not need a police report. 
4. The bank continues to charge interest and try to collect payment from me. 

In addition, the credit card account does not list me as an authorized user of the credit card and the account has another employees email address as the primary user of the card. I had no ability to check this account when I originally inquired with the bank in XXXX when the credit card default was reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I met the promotional terms for the sign on bonus for the XXXX XXXX  card. I met the spend threshold in the time allotted. The promotional sign on bonus points remain in pending status and no one is able to tell me when they will be available for use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HANCOCK WHITNEY BANK
State: MS

Complaint narrative:
Todays date is XX/XX/2024, as of yesterday my card was declined when I tried to make a purchase in the afternoon, I figured it was declined because of the amount of what I attempting to purchase, an just needed to give it XXXX  minutes, so I did, still couldnt use my card, figured whatever Ill continue about my day as normal and later in the evening I went to XXXX so I could pick up dog food and dinner for my wife and XXXX girls, but to my surprise, my card was declined again. I havent received a phone call nor a text message in regards to why my account has been locked, nor is there a way to get my account unlocked without calling the bank, not on their website, not on their mobile app and not on their recorded phone lines! This business is closed due to the holiday, Im sure glad they get to enjoy it while my girls and wife dont even get to XXXX eat! They need to fix this issue and make it to where there is either a 24 hr hotline to help with issues such as this, or a way on their website or mobile app! Now on top of this Im a XXXX and have had to miss work today, yes unfortunately as a XXXX  I dont get holidays off, because I couldnt put gas in my vehicle! The amount of inconvenience as well as incompetence of this institution is astounding! Its like your a-typical corporation, XXXX  XXXX XXXX to their customers or employees as long as the money is rolling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 2024-01-01 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. 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 non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed within no later than 4 business days as per U.S code1681c-2 - Block of inquiries resulting from identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XX/XX/XXXX, I applied for a platinum Card through American Express. I was denied due to a bankruptcy that is being reported in my Experian report. I explained to them that evening that I was a victim of fraud and identity theft and there were some items reporting illegally and incorrectly on my Consumer Report. They stated that I can reply after that item was removed. I informed them that Ive already given a financial asset according to the Uniform Commercial Code, and that was converted into a securities with the ability to be sold to a third party and traded according to documentation submitted by the company to the SEC. XXXX XXXX a representative informed me that I can send an email to the chairmans office and someone would get back to me in 3 business days. I submitted an adverse claim to the chairmans office email on XXXX XXXX and no one returned email, I sent an additional email as a follow up to the same email and still to this day, I have not received response as promised. I called again today, XXXX XXXX and was told by the first representative that he is aware of the application being a financial asset according to the uniform commercial code and that he knows about the uniform commercial code. I asked why I would be denied an extension of my own credit being that I have a security, a financial asset with the ability to be traded across the market according to the financial documents that American Express has on their investors relations and the Security and Exchange Commission documentation. It is also in line with the regulations set forth with the XXXX. The gentleman did not have an answer for that. By the continued denial, American Express is willfully committing securities fraud, tax evasion for not reporting all securities as well. I also explained that XXXX is a third party and therefore the information reported by them is hearsay as well as invalidated. XXXX is already investigating the reporting due to the laws that are violated by their reporting methods as well as being the only credit agency that has the bankruptcy listed. Everyone else has applied with the laws put forth by Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PINNACLE RECOVERY, INC.
State: VA

Complaint narrative:
Paid annual maintenance fee for timeshare to XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX property on XX/XX/2021. XXXX claimed payment was not made. I provided them with screenshot from XXXX  XXXX XXXX Checking Account including confirmation number of transaction. They ignored my communication and turned account over to Pinnacle Recovery. Pinnacle Recovery ignored my proof of payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/, I sent my FTC report and my license to Experian, XXXX, and XXXX. I will be filing a civil suit for reporting fraudulent accounts on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My Information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XXXX 2023 my social security benefits posted to my account of XXXX. So I have call chime to to talk about a dispute that I file prior before this happened to me. While on on hold with Chime the agent act like he was helping me and all of sudden he withdrawal my my money out of my account and never can back to speak to me. I hung up call back explain what to me to another agent they so call put in under as a dispute which less than 24hrs they emailed and say they didn't find anything clearly it wasn't investigated at all. Cause they close it out trying not to admit guilt. So I call them back next day they filed another dispute no findings less than XXXX. Emailed XXXX in morning to let me know and at XXXX. They refused to help at all. Today I look at my account they erased the transaction all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

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

These inaccuracies are preventing me from buying a new home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
US Bank fails to correctly support XXXX. I setup an auto transaction and US bank sent me a confirmation email 3 days prior and when time came it was wiped out with no record. I called customer service and they they can say is that there is no record. Attaching confirmation email for setup if possible.

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