vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am now using this platform to enforce my privacy rights of my nonpublic personal information as CFPB is the enforcement authority for the Fair Credit Reporting Act. 

I have sent Discover an OPT OUT notice to protect my private nonpublic personal information which is aligned with 16 CFR 313.1. As a federally protected consumer per the FCRA I am requesting again to enforce my rights per 15 USC 6802 TO OPT OUT of sharing my nonpublic personal information not be disclosed to nonaffiliated third parties such as XXXX XXXX XXXX XXXX Discover is in violation of the Privacy Act of 1974 as they have already received in writing notification and instruction from the consumer, me on how to exercise and share my non public personal information. 

Per 16 313.15 Other exceptions to notice and opt out requirements.

( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Per 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Per 15 U.S. Code 1681a ( 2 ) the term consumer report does not include ( i ) report containing information solely as to transactions Take this as my consent as a federally protected consumer : I ENVOKE MY RIGHT TO EXERCISE WRITTEN INSTRUCTION TO REMOVE SOLE TRANSACTION HISTORY AND MY NONPUBLIC PERSONAL INFORMATION FROM SAID nonaffiliated third parties such as XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I have tried to load money into my XXXX prepaid debit account from my XXXX XXXXXXXX XXXX XXXX. I followed this process because such transaction is allowed by the terms : XXXX XXXX XXXX  Specifically : " How do I add money to my XXXX account. Debit card You can add money to your XXXX account by linking and transferring from an external debit card. '' After third attempt to add funds, my XXXX account was locked. 
I have received the following email from XXXX : " For security reasons, your XXXX Account and card have been temporarily locked. For more information, please call us immediately at XXXX available 24/7. '' I have called 4 times, trying to unlock my XXXX account, but customer service representatives were giving me constant run around. 
I have later received the following email : " During our recent review of your XXXX  Prepaid Debit Account, we identified Account activity that we believe violates the terms of the XXXX Member Agreement. 
As a result of such activity, and pursuant to Section 22 ( d ) of the XXXX XXXX XXXX, your Account and your Account privileges have been permanently suspended. '' I have followed all processes and was doing something that is advertised, yet when my account was locked, I got no help from XXXX. 
I have also XXXX  prepaid account. It was also automatically locked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX numerous times and requested my auto loan to be reported to my credit profile. I opened the loan XX/XX/XXXX. When I started calling XXXX  about the missing information, I was asked to upload my credit reports to their portal which I have completed XXXX times. I was then sent several letters for different reasons on why it wasn't reported. After calling and explaining the account has never shown on my report is when they stated the credit companies are verifying the account is reporting. I asked the CSR  to provide me with the information that the credit companies stated this, they did not. I then received another letter stating that XXXX notice an issue with my credit profile and sent an update to the credit companies and this could take XXXX  days. That was XX/XX/XXXX, I believe. On XXXX I finally received a call from a manager after months of requesting someone to call me back about my issue. He requested I submit the documents yet again for the fourth time. On XX/XX/XXXX I called XXXX and requested for my credit profile to be reviewed and the CSR verified that no car loan from XXXX was reporting and has never reported. She also stated there isn't an investigation shown on my report if there was, I would have received a letter in the mail. The CSR then created a case # XXXX and transferred me to the Disputes Department and that CSR advised I would need to call XXXX and Request XXXX things 1. Full Account Number and 2. Subscriber Code. When I called the CSR XXXX informed me, she would provide me with the full account number she sent a code to my phone and then placed me on hold to find the subscriber code from someone else. Once she returned, she did not have the subscriber code she stated no one knows what that is, not even a supervisor. As of today XX/XX/XXXX, my XXXX XXXX XXXX has not reported accurately to my credit profile after XXXX  months of paying on time payments to the 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 2024-01-18 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: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX numerous times and requested my auto loan to be reported to my credit profile. I opened the loan XX/XX/XXXX. When I started calling XXXX  about the missing information, I was asked to upload my credit reports to their portal which I have completed XXXX times. I was then sent several letters for different reasons on why it wasn't reported. After calling and explaining the account has never shown on my report is when they stated the credit companies are verifying the account is reporting. I asked the CSR to provide me with the information that the credit companies stated this, they did not. I then received another letter stating that XXXX notice an issue with my credit profile and sent an update to the credit companies and this could take XXXX  days. That was XX/XX/XXXX, I believe. On XX/XX/XXXX I finally received a call from a manager after months of requesting someone to call me back about my issue. He requested I submit the documents yet again for the XXXX  time. On XX/XX/XXXX I called Experian and requested for my credit profile to be reviewed and the CSR verified that no car loan from XXXX was reporting and has never reported. She also stated there isn't an investigation shown on my report if there was, I would have received a letter in the mail. The CSR then created a case # XXXX and transferred me to the Disputes Department and that CSR advised I would need to call XXXX  and Request XXXX things 1. Full Account Number and 2. Subscriber Code. When I called the CSR XXXX informed me, she would provide me with the full account number she sent a code to my phone and then placed me on hold to find the subscriber code from someone else. Once she returned, she did not have the subscriber code she stated no one knows what that is, not even a supervisor. As of today XX/XX/XXXX, my XXXX XXXX XXXX has not reported accurately to my credit profile after XXXX  months of paying on time payments to the 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 non-monetary relief
Consumer complaint received 2024-01-18 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: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX numerous times and requested my auto loan to be reported to my credit profile. I opened the loan XX/XX/XXXX. When I started calling XXXX about the missing information, I was asked to upload my credit reports to their portal which I have completed XXXX times. I was then sent several letters for different reasons on why it wasn't reported. After calling and explaining the account has never shown on my report is when they stated the credit companies are verifying the account is reporting. I asked the CSR to provide me with the information that the credit companies stated this, they did not. I then received another letter stating that XXXX notice an issue with my credit profile and sent an update to the credit companies and this could take XXXX  days. That was XX/XX/XXXX, I believe. On XX/XX/XXXX I finally received a call from a manager after months of requesting someone to call me back about my issue. He requested I submit the documents yet again for the XXXX  time. On XX/XX/XXXX I called Experian and requested for my credit profile to be reviewed and the CSR verified that no car loan from XXXX was reporting and has never reported. She also stated there isn't an investigation shown on my report if there was, I would have received a letter in the mail. The CSR then created a case # XXXX and transferred me to the Disputes Department and that CSR advised I would need to call XXXX and Request XXXX things 1. Full Account Number and 2. Subscriber Code. When I called the CSR XXXX informed me, she would provide me with the full account number she sent a code to my phone and then placed me on hold to find the subscriber code from someone else. Once she returned, she did not have the subscriber code she stated no one knows what that is, not even a supervisor. As of today XX/XX/XXXX, my XXXX XXXX XXXX has not reported accurately to my credit profile after XXXX  months of paying on time payments to the 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 2024-01-18 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: KEYCORP
State: OR

Complaint narrative:
Im a XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My father was a XXXX during the XXXX XXXX at saw combat at the XXXX XXXX. At the age of XXXX, he XXXX XXXX from what we now know as XXXX. 
This motivated me to honor veterans with high school teenagers. For XXXX  years, XXXX high schools, XXXX students, Ive have taught students that the cost of their freedom comes at a very high price. 
From XX/XX/XXXX - XX/XX/year>, my wife and I drove a XXXX XXXX XXXXXXXX to honor and apologize to our XXXX XXXX. 

During our stop in XXXX, Ohio, my Non- profit debit card information was somehow stolen and used at two different XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the same time, I was using the card at all of our stops around XXXX. 
I started the fraud investigation with Key Bank Fraud department. Hours were spent over the phone going over every transaction. After about four months, my claim was denied. 
I called and asked to reopen the case. It was denied a second time this past XXXX. I was told that I had to have made those purchases. I asked how could I have made all of the other purchases around XXXX during the same time period. I still have not received an answer. 
Remembering XXXX XXXX is a small non-profit, just em and my wife, no salaries, and we are talking about {$1200.00}. This is a huge loss for us. I was forced to cancel XXXX appearances with XXXXXXXX XXXX in Oregon. 
I hope and pray that you can help me. Getting the {$1200.00} back would be very helpful, but a donation to XXXX. would help heal all the frustration and stress Ive dealt with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am refilling this complaint. I have reached out to the following account below about the issue with my account as reported by RADIUS GLOBAL SOLUTIONS LLC. They have advised me that they will remove the account the fraudulent account will be deleted, however, as I reviewed my recent report, the late status is still reporting. I am not sure how the RADIUS GLOBAL SOLUTIONS LLC came up with this remark. They have failed to investigate properly. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have unauthorized inquiries on my credit report, these companies do not have permissible purpose for these inquiries. Please remove them ( 15 U.S. Code 1681b - Permissible purposes of consumer reports ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
In regards to this complaint is that this has been paid off 5 years ago, At the time I was in hardship of the account being open.I was unaware that the company filed a negative report to the credit bureau which is XXXX.Now it is hurting my credit score.I attempt to call both the company and bureau to solve the problem and that did not work out. 





AFFIRM INC {$0.00} NEGATIVE Suggested Status Closed Credit LimiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am not sure why i am being reported late in the following accounts now, i am seeking your help to make sure that this will be updated as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
Between the months of XX/XX/XXXX and XX/XX/XXXX, I have tried to contact Mohela about my student loan repayments and have never been able to get through to an individual after spending hours on the line each time. 

Mohela has provided false information to me about my account and in their correspondence with me, and has taken direct payments out of my account at erratic times in different amounts to amount stated in the letters they have sent me as correspondence or in the amounts they have listed under my account on their site. And now new letters are saying I have a much higher monthly payment than what I had worked out through the federal student aid save plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
on XX/XX/XXXX we wrote a check to XXXX for {$5000.00}. this check was sent to them, but someone intercepted the check and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX  realized the mistake and contacted the other account holder on this account. He then contacted Well Fargo bank, to let them know that this check was cashed fraudulently and filed a claim with Wells Fargo. He passed away in XXXX, so I had to step in to finish everything and when I called Wells Fargo they said that I needed to re-submit the claim which I did in XX/XX/XXXXXXXX XXXX Since this time I have been in contact with Wells Fargo looking for information on this claim and keep being told that they are looking into it and will get back with me. as of XX/XX/XXXX I still have not gotten any answers from them and they have not been consistent about returning my phone calls.

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 2024-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
I returned my lease on the date it was commenced. I bought a new Honda and paid half than full, Apparently, when they closed the lease it was a day later then the return and it has been on my account as degroatory open. I returned it on time bought a new Honda XXXX They told me it needs to stay on this report for 7 years. Why? 

I did not make the clerical error. I purchased another vehicle from them. They told me it was corrected. Now they say I must write another letter. Please help this is annoying already. 

Sincerely, Honda Finance XXXX XXXX XXXX XXXX, I went from returning a leased car on time to purchasing another car with a loan. The return was a day late according to Honda but I drove away with a new vehicle It was a clerical error. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I called to speak to an employee about flights I had booked through their website with an employee from what they stated the flight wasnt accepted because one of the charges got declined. I had made a payment. The payment was processed and complete on online. It showed the payment had been processed complete that I had an available credit and that my balance was XXXX I spoke to Employee asking them for a reason because when the payment is processed either, its all available or none of it is available. Employee stated that only percentage was available the way they handle the situation. They didnt care and they were nonchalant about everything. They pretty much told me to just wait and just, it is what it is. There was another employee on the line as well that was listening to the whole conversation. The employees name that I want to file a formal complaint about is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: NV

Complaint narrative:
I was charged {$100.00} for a fraudulent item. Ive tried to dispute it several times with Discover as well as worked it out with the original merchant. 

On a separate matter I was charged {$14.00} at a restaurant but didnt receiver the quality of food advertised. The merchant told me to dispute with my credit card because they couldnt refund me. 

On both occasions the terms in Discover said the consumer is not responsible for fraudulent transactions or for transactions that were not the qualify agreed upon. Discover is now trying to change these terms even though they are still listed on their website and have not been changed. Consumers have also not been notified of any changes. This isnt the first time something like this has happened. Its a frequent occurrence with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT

Complaint narrative:
I originally disputed Fair Collections Outsourcing with the 3 credit Bureaus in XX/XX/2023. This dispute lead to no avail. I attempted to do it again in XXXX and XXXX and again in XXXX but the Credit Bureaus, nor Fair Collections Outsourcing were able to remove this inaccurate item. 
The debt belongs to my ex, XXXX XXXX, who we shared a place together. During Covid, He become XX/XX/XXXX to the point I had to move out and remove myself from the lease as the instruction of friends and my XX/XX/XXXX. I was off of the lease when he stopped paying, yet this item is on my credit report for {$15000.00}. He was supposed to file for the Rental relief during Covid for assitance with paying the rent but he did not. 
I have tried to contact him to rectify this so he can assure the Credit Bureaus and Fair Collection Outsourcing that the debt is his, and his only as I was removed, yet he has blocked my number for leaving him.

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