vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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: VA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX regarding their unauthorized and illegal reporting of my consumer account, specifically violating The Fair Credit Reporting Act and The Privacy Act of 1974. 
Regarding XXXX XXXX, per the FCRA, as a Federally protected consumer, I am now opting out of all authorization, I the consumer, may have given them, written, unwritten, verbal, and nonverbal Per 15 USC 6802. Under 16 CFR 313.7 ( f ) Form of opt out notice to consumers ; opt out methods. Continuing right to opt out. A consumer may exercise the right to opt out at ANY time. 
On or about XX/XX/XXXX2023, I mailed a Billing Dispute Letter per 15 USC 1666 Correction of billing errors, to XXXX XXXX, in regards to concerns, I the consumer, had at that point in time. XXXX XXXX did not respond in writing to my request or concerns, as instructed by our consumer laws, yet they continued to bill me late fees and proceeded to furnish derogatory remarks to my credit report. According to, Regulation of Credit Reports, 15 USC 1666a ; The creditor can not take any adverse action against me in the form of negative credit reporting once I have notified them of my billing error dispute. 
In accordance with 15 USC 1681b ( 2 ) XXXX XXXX can not furnish to my report without the written instructions of the consumer to whom it relates. 
Per 15 USC 6801 Protection of nonpublic personal information. It is the policy of 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. 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; or ( iii ) otherwise obtained by the financial institution. 
Under 15 USC 6802 Obligations with respect to disclosures of personal information. The creditors must not disclose my information unless they give me an explanation of how I can exercise a nondisclosure option. XXXX XXXX failed to do so. This action by XXXX XXXX is a clear violation of my consumer rights. They have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under Congress and The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The consumer reporting agency has not removed the fraud alert from my consumer report. This has prevented me from obtaining credit to fix my home, purchased groceries and pay medical bills. I am a senior on a fixed income and I need 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 2024-03-17 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/24 I purchased a brand new pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the XXXX app. I paid {$7500.00}. The pair was listed as new but I received a USED pair missing the hang tag, extra laces, and insoles. The hang tag and extra laces can be the difference of thousands of dollars on a pair like this. As well as the pair being USED when sold as NEW. The pair also arrived completely destroyed and soaked wet. Upon opening the pair I was introduced to an extremely foul odor and mold on the shoes as well as the structural integrity of the shoe being destroyed. I immediately requested a refund on the XXXX app. The next day I found that my XXXX account had been banned preventing me from receiving any money or contacting XXXX. XXXX  send discover their agreement promoting discover to reverse the balance back onto my credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: SC

Complaint narrative:
Experian, is reporting XXXX my transactions or experiences on my consumer report ( s ) and this in violation Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The consumer reporting agency has not removed the fraud alert from my consumer report. This has prevented me from obtaining credit to fix my home, purchased groceries and pay medical bills. I am a senior on a fixed income and I need 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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The consumer reporting agency has not removed the fraud alert from my consumer report. This has prevented me from obtaining credit to fix my home, purchased groceries and pay medical bills. I am a senior on a fixed income and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I got this as a gift. Card had glue on the magnetic strip and ruined the strip right from the beginning. Tried to use the card online and thats when all the troubles began. Site for activation doesnt work and force you to call. Upon calling they ask for all weird info ( even asks for where the card was purchased which is nonsense as it was a gift ). They ask for personal information and even after sending the necessary information it still doesnt work. I sent the license XXXX times and it keeps getting denied. It has been more than a month and I still cant use XXXX dollar gc. Reported to bbb was promised response back which i never received. Looked up online and i am not the only XXXX with the issue. It is as if US bank is purposely ruining the physical card by placing glue on the magnetic strip so it is impossible to use otherwise by not activating for online 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 2024-03-17 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: AR

Complaint narrative:
I humbly assert my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and related statutes, including 15 USC 6801 and 12 CFR 1016.7. It is imperative to ensure that consumer reporting agencies, such as Equifax and XXXX, operate with fairness, impartiality, and respect for my privacy rights, as outlined in 15 USC 1681 section 602 ( a ). Additionally, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer, which I have not provided. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions, including furnishers of information to credit agencies, must disclose to consumers how they can exercise their nondisclosure option, which has not been done in my case. The reporting of adverse information without my consent, as per 15 USC 1681C ( a ) ( 5 ), and the furnishing of inaccurate information, as prohibited by 15 U.S. Code 1681s2 ( A ) ( 1 ), are clear violations of the law. Equifax, XXXX, XXXX, and all relevant entities must uphold their obligations under these statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: AR

Complaint narrative:
I humbly assert my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and related statutes, including 15 USC 6801 and 12 CFR 1016.7. It is imperative to ensure that consumer reporting agencies, such as XXXX and Experian, operate with fairness, impartiality, and respect for my privacy rights, as outlined in 15 USC 1681 section 602 ( a ). Additionally, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer, which I have not provided. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions, including furnishers of information to credit agencies, must disclose to consumers how they can exercise their nondisclosure option, which has not been done in my case. The reporting of adverse information without my consent, as per 15 USC 1681C ( a ) ( 5 ), and the furnishing of inaccurate information, as prohibited by 15 U.S. Code 1681s2 ( A ) ( 1 ), are clear violations of the law. XXXX, Experian, XXXX, and all relevant entities must uphold their obligations under these statutes.

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 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have my checks direct deposited without any issues all the time. I had a deposit made on XX/XX/year>. Therefore my funds should have been available on XX/XX/year> during night processing. Chase did not deposit my funds that they have into my account. I have to wait until Tuesday XX/XX/year> to receive my funds because the processors will not be back until Monday night XX/XX/year>. As a result I live pay check to pay check and have not had any money all weekend because of their negligence. I was unable to buy any food or personal items that I needed. My check was actually late which put me in a bad situation as I have been unable to work because Im on XXXX  and under doctors care due to long XXXX health issues.. XXXXXXXX XXXX would deposit my funds the same day as the deposit, but Chase waits until the next business day. I cant see how they are allowed or even able to hold my money like they did. I hope I receive it on Tuesday ; I dont know what I will do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-17 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: LA

Complaint narrative:
dispute to the validity of the alleged debt and a dispute to the validity of your claims. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
dispute to the validity of the alleged debt and a dispute to the validity of your claims. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: LA

Complaint narrative:
dispute to the validity of the alleged debt and a dispute to the validity of your claims. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Issue : I have fallen victim to identity theft perpetrated by a fraudster. However, Bank of America ( BAC ) is compounding the situation by severely damaging my FICO score through incorrectly labeling the closure of my credit card as a Unpaid Balance Charge-off.

Requested Resolution : I urge Bank of America to accurately communicate to the credit reporting agencies that my credit card was closed due to fraudulent activity perpetrated by an external party. 

Background : In [ XXXX, XXXX ], an individual identified as XXXX XXXX XXXX approached my family, offering assistance in reducing our debt burden through the XXXX XXXX XXXX program. He requested that we transfer [ {$67000.00} ] to his account. Subsequently, he made several ACH Payments to our Bank of America credit card, only to reverse the transactions and abscond with our funds. On XX/XX/XXXX a claim was raised by us with Bank of America for the investigation of the fraudulent activity. In response to the claim we received a letter from debt collector first source on XX/XX/XXXX. 
Additionally, we have reported this fraudulent activity to law enforcement entities including the XXXX XXXX, CA police ( report no XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: GA

Complaint narrative:
I have mailed a letter to the collection agency via certified mail asking for validation of the debt they say I owe to them of {$220.00}. I mailed the letter on XX/XX/2024 and have not received any correspondence for the debt collector or the original contract bearing my wet ink signature. However the debt collector update for the month a XXXX that I was past due while in dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I applied for a loan assumption on XXXX XXXX 2024. I resent the application again on XXXX XXXX 2024 because I was told that they never received it. Then I received a letter in the mail stating that they closed my application because they never received my documents. I have sent them several emails and have received no response. I would like to know the status of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PulteGroup, Inc.
State: TX

Complaint narrative:
Dear Officer, " We received a preapproval from Pulte XXXX XXXX and its in-house lender, Pulte Mortgage , and deposited {$5000.00} as earnest money for House # XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX We diligently followed all procedures and provided all necessary documentation in a timely manner. On XX/XX/XXXX, they approved the final loan without any contingencies, sent a welcome invitation letter for the closing date, and scheduled the final inspection of the house. 

On XX/XX/XXXX, we conducted the final inspection at the property and signed off on the completion construction paper. However, on the same day, at XXXX XXXX, Pulte Mortgage called us to inform us that our loan had been declined and advised us not to proceed with the closing. This unexpected turn of events, just one day before the scheduled closing date on XX/XX/ 2024, has not only put me in a precarious position but also jeopardized my property and earnest money. 

Such actions not only lack transparency but also demonstrate a severe lack of ethical business conduct. Treating buyers with such disregard and uncertainty is simply unacceptable. Despite our communication regarding the earnest money refund, they have been unwilling to issue a refund, despite the clear decline of the loan from their end at the last hour. 

I implore that this matter be addressed with the urgency and seriousness it deserves. I trust that immediate steps will be taken to rectify this situation in good faith. Please guide us on how to resolve this matter with Pulte XXXX. 

Thank you for your attention to this matter. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: AR

Complaint narrative:
I humbly assert my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and related statutes, including 15 USC 6801 and 12 CFR 1016.7. It is imperative to ensure that consumer reporting agencies, such as XXXX and XXXX, operate with fairness, impartiality, and respect for my privacy rights, as outlined in 15 USC 1681 section 602 ( a ). Additionally, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer, which I have not provided. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions, including furnishers of information to credit agencies, must disclose to consumers how they can exercise their nondisclosure option, which has not been done in my case. The reporting of adverse information without my consent, as per 15 USC 1681C ( a ) ( 5 ), and the furnishing of inaccurate information, as prohibited by 15 U.S. Code 1681s2 ( A ) ( 1 ), are clear violations of the law. XXXX, XXXX, TransUnion, and all relevant entities must uphold their obligations under these statutes.

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 2024-03-17 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: SC

Complaint narrative:
Transunion is reporting XXXX transaction & experience on my consumer reports. Which violates me according to :, Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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