vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
Dear US Bank, After exhausting all reasonable avenues for resolution within your customer service channels, XXXX  and CFPB, I am formally requesting arbitration to seek a fair and expeditious settlement. 

Specific Issues and Potential Violations : Over the past several months, I have encountered the following significant problems with my account : Non-receipt of a replacement debit card : Despite repeated requests and assurances, I have not received a replacement debit card, causing significant inconvenience and hindering my ability to access my funds. This constitute a violation of the Electronic Funds Transfer ( EFT ) Act, which requires financial institutions to conduct electronic fund transfers in a timely and accurate manner. 

Unexplained closure of my account : Without prior notice or explanation, my account was abruptly closed, effectively limiting my access to my own funds. This action potentially violates the Fair Credit Reporting Act ( FCRA ), which imposes specific requirements on banks before taking adverse actions against a customer 's account. 

Lack of transparency and unresponsive customer service : Despite numerous attempts to resolve these issues through customer service channels, I have been met with inadequate responses, transfers between representatives, and a persistent lack of clarity regarding the reasons behind the account closure and ongoing review. This lack of transparency may violate the Fair Debt Collection Practices Act ( FDCPA ), which requires creditors to communicate fairly and accurately with consumers. 

Fair Credit Reporting Act ( FCRA ) : The FCRA does indeed regulate how banks and other entities use and report credit information. Before taking adverse actions based on information in a consumer report ( such as closing an account ), the bank must provide the consumer with a notice, including the specific information upon which the adverse action is based. The consumer has the right to review and dispute this information. 

State Laws : These laws vary by state but may prohibit unfair or deceptive practices, ensuring that banks follow proper procedures and provide consumers with notice before closing an 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 explanation
Consumer complaint received 2024-01-12 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: SC

Complaint narrative:
I obtained my credit report from Experian XX/XX/XXXX, and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681 b. I also attached my credit report page containing the hard inquiries from experian that showing that experian is in violation of FCRA.

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 2024-01-12 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Spoke with " XXXX '' today, and told him that I wanted to opt out of any, and all authorization, that I, the consumer may have given them, written, unwritten, verbal, and nonverbal per 15 USC 6802. I also asked him where they got my information, and he told me, from my financial institution. According to the agreement with my bank, it says that they will NOT disclose any NON-PUBLIC PERSONAL INFORMATION to non-affiliated companies, which includes transaction history that EWS services have been reporting to my consumer report. I was also told there were no Supervisors/managers available to help with his matter. So im escalating this situation here because they are creating LANGUAGE FRAUD. 

According to : The Privacy Act of 1974, CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

15 U.S Code 6803 ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
Remittance transaction to Pangea XXXX XXXX XXXX of {$500.00} to XXXX XXXX to a bank account with XXXX, on XX/XX/year>. The amount was taken from my Checking account with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
On XXXX, I received a phone call from XXXX, the caller identified himself as a member of the Financial Consumer Protection Bureau, and asked if I applied for a Discover Card in XXXX under the name of XXXX XXXX. The caller read me the last 4 digits of my SSN, the last 4 digits of my XXXX Credit card, and a variation of my credit card balance. I denied that I sought the Discover Card, and acknowledged the numbers he read to me. We agreed to not approve the DIscover Card. The agent then handed me off to XXXX XXXX, who offered to help me reduce my credit owed to XXXX due ot their overcharging me on their Credit percentage. I kept the call going and asked XXXX for his phone number - XXXX, and postponed a decision to take his offer. No money was exchanged, nor lost on this encounter. This is my first report of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute the presence of certain hard inquiries on my credit report, as detailed in your response from the Complaint ID Your complaints XXXX. Despite your assurance that the creditor responsible has an internal fraud process, I find it unacceptable that Equifax allowed such inquiries without my explicit consent as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: LEXISNEXIS
State: FL

Complaint narrative:
why is this account being reported with 2 different dates of last activity? which reflects on my credit report as of XX/XX/2024. 

per Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 

15 usc 1666 b A creditor may not treat on open end consumer credit plan as late for any purpose. 

XXXX XXXX sold the debt to a third party which violates FCRA 15 usc 60802 ( b ) Identity theft A financial institution may not disclose non public personal information to a non affiliated third party. 

15 usc 1692 ( f ) # 6 unfair practices talking or threating to take any non judicial action to affect or disablement of property. 

XXXX sold the debt and says it is closed yet are still reporting it as late on my credit, aswell as hurting my EX husbands credit XXXX XXXX, and sending harrassing letters after i requted them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: NY

Complaint narrative:
Around XX/XX/2023, I was getting a few alerts regarding my credit report that accounts are being reported that I've never opened myself. I checked my credit report and noticed there were some fraudulent accounts, nonmailable addresses, and hard inquiries reporting without my consent and authorization. Immediately I contacted the credit bureaus and was told that i needed an FTC report or police report. They were no help at all. I provided that documentation via mail and the dispute results came back as " verified ''. How can fraudulent accounts come back verified when it was opened fraudulently? I requested a method of verification I still haven't received anything in the mail. I am a victim of Identity theft. I am requesting that these items be deleted and blocked from my credit 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
Consumer complaint received 2024-01-12 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: NY

Complaint narrative:
Around XX/XX/2023, I was getting a few alerts regarding my credit report that accounts are being reported that I've never opened myself. I checked my credit report and noticed there were some fraudulent accounts, nonmailable addresses, and hard inquiries reporting without my consent and authorization. Immediately I contacted the credit bureaus and was told that i needed an FTC report or police report. They were no help at all. I provided that documentation via mail and the dispute results came back as " verified ''. How can fraudulent accounts come back verified when it was opened fraudulently? I requested a method of verification I still haven't received anything in the mail. I am a victim of Identity theft. I am requesting that these items be deleted and blocked from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I made an electronic payment of {$5000.00} on XX/XX/XXXX to The Department of Education referencing my account number with MOHELA. The funds were withdrawn from my account on XX/XX/XXXX. Upon reviewing my loan account 3 weeks later the payment was not applied to my account. I called MOHELA on XX/XX/XXXX to ask why the funds have not been applied. They informed me the funds were never received. I provided proofs of payment and had my bank on the phone with MOHELA confirming the payment was made. I was told that it would take 90 days for the payment to process. I reached out again on XX/XX/XXXX to check status and was informed that it would take another 60 days. I waited that amount of time and reached out again in XXXX since nothing had been done. I received mail saying that the payment would be refunded. It has been well past the 90 days and well past the 60 days they promised to have a resolution. Still nothing. I called again on XX/XX/XXXX and spoke to MOHELA representative and they informed me the payment had been found but an account number was not associated to it. As such, the representative escalated the situation after reviewing my documentation and repeated phone calls and promised a decision would be made within a week whether the money would be refunded or applied to my balance. I called again on XX/XX/XXXX to find out what decision had been made and still nothing. They said they are still looking into it. This is unacceptable service and unacceptable handling of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FC HoldCo LLC
State: AL

Complaint narrative:
Monthly payments not reported to credit bureau by loan company monthly as promise second time having too write a complaint about this information

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 2024-01-12 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: MO

Complaint narrative:
I recently checked my credit report and saw accounts repotting that I do not recognize.

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 2024-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, I was told by this company, that I had about $ XXXX to refinance. I called on XX/XX/XXXX to refinance {$150.00} but was told I had to receive at least {$180.00}, I agreed. They sent a link with was supposed to be a renewal contract, but it would not open. They called several times on XX/XX/XXXX stating they are experiencing system issues. On XX/XX/XXXX, I called to rescind the renewal and even went on the companies contact us page to rescinded in writing. On XX/XX/XXXX the funds were in my account after I clearly informed them, I did not want the renewal, nor did I ever sign a contract for this refinance. Someone at this company is clearly guilty of fraud, and deceptive practices. 

Please Note : Since being a customer, I have NEVER missed a payment and always kept my account in good standing. I tried working this out with the company to no avail. They only want to sweep this " crime '' under the rug and continue business as usual. As the victim of this crime, I disagree. I am appalled but their lack of concern for this crime and how they treat a good customer. Over my time as a customer, I have paid this company thousands of dollars without any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of the account with the original creditor which show XXXX completely different balances. Furthermore, the original creditor stated that the account was sold to the Recoveries dept. This debt you are claiming on my credit report is not mine and I was given no evidence of my obligation to pay this debt to this collection agency named XXXX. The FCRA requires you to verify the validity of the item within 30 days in which you failed. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax and XXXX XXXX are in cahoots to lower credit scores by and through reporting out inaccurate information and providing different information to sources that provide credit reports to consumers and creditors. 

There are multiple accounts listed on my credit report that have recently been changed to the status of XXXX XXXXXXXX which should have been XXXX XXXX. I am requesting for these accounts to be corrected and or removed as required by the FCRA and all other laws that are in place. By reporting inaccurate information they are successful with ensuring my score stays low. Equifax and XXXX XXXX behavior has and continues to cause me harm. 

XXXX XXXX XXXX XXXX XXXX XXXX accounts listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2024-01-12 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:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit 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
Consumer complaint received 2024-01-12 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: CA

Complaint narrative:
This is my fourth time requesting to opt out.

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