vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: TX

Complaint narrative:
I applied for general forbearance for the month of XX/XX/2024, and my request was approved on XX/XX/2024 ( see screenshot below ). However, my account is showing that I'm past due. I've messaged MOHELA twice, on XX/XX/2024 and XX/XX/2024. I also called MOHELA twice, on XX/XX/2024 and XX/XX/2024, but due to time constraints and long wait times, I could not connect to an " advanced agent '' to resolve this issue. I finally received a response to my initial message today, XX/XX/2024, but it appears to be a form reply and did nothing to resolve my issue. Again, I received approval for general forbearance for XX/XX/2024, yet my account remains past due. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Hi, I hope you're having a good day. Some time ago, I received an AMEX gift card as a reward from a XXXX website, specifically " Inboxdollars. '' The card has a value of {$5.00}, and I was able to activate it. However, I've been unable to use the balance. I tried on various platforms ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, etc. ), but it always gets rejected, except for XXXX, where I used it for a trial version of XXXX XXXX, which I plan to cancel. There's currently a pending charge of -XXXX cents on XXXX. 

Today, on XX/XX/XXXX, I contacted customer service to finally understand why my card is consistently rejected everywhere, even on sites that accept AMEX. The customer service representative informed me that they couldn't do anything to help, suggesting that I keep trying on different sites until one accepts it. This doesn't seem like an appropriate customer service approach to me, as it lacks a resolution. It appears to be a questionable practice on the part of the company, preventing consumers like me from using their money. 

The details of the AMEX card in question, with a {$5.00} USD balance, are as follows : Card Number : XXXX XXXX XXXX XXXX Expiration Date : XX/XX/XXXX CVV : XXXX I hope you can assist me as soon as possible, as I've never encountered such problems before. If a refund is possible, I prefer it through XXXX or electronic means, as I'm not fond of physical methods like checks. Please let me know in the response email. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-03 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:
I am writing to dispute a fraudulent account on my credit report that I did not authorize or consent to. Upon reviewing my credit report, I discovered the following unauthorized accounts : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX Outstanding Balance : {$1800.00} I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately. 
Also there is an account that should no longer be reported on my account based on Title 15 U.S. Code 1681c ( a ) ( 4 ) 1. 
- Account Name : XXXX XXXX - Account Number : XXXX  - Date Opened : XX/XX/year> - Outstanding Balance : {$0.00} Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent that I opened the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if your company is notified by the consumer about inaccurate info on their credit report due to identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the accounts I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been received from the creditor and sent from your bureau. Lastly, Title 15 U.S. Code 1681c ( a ) ( 4 ) states that no account should be reported after 7 years. Which this account should be removed from my credit profile immediately. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: NY

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. 

XXXX XXXX XXXXXXXX, 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 an 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.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d )  ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; You reported transactions on my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
69 The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! 
Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on my credit file Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 
Further more 15 USC 1666b ( a )

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 2024-03-02 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: NY

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. 

XXXX XXXX XXXXXXXX, 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 an 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: NY

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. 

XXXX XXXX XXXXXXXX, 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 an 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.

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 2024-03-03 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: FL

Complaint narrative:
There are over XXXX inquires on my name that I did not approve Someone opened a credit card through XXXX XXXX in 2023 that all your great Credit Bureaus. Great protection that many inquires on my name allowed my credit score to drop out. 
Its probably all your foreigners allowed to access our accounts I cant get credit because your so called system of security is a joke when the foreigners get to get credit in my name with XXXX XXXX I just found out so Thank you for not protecting my name and the account was being paid for because of this last identity theft. 
Thanks again for not helping. Thank you for destroying Americans names

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 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: PR

Complaint narrative:
On XX/XX/2024, Navy Federal Credit Union blocked my access to my banking and closed my accounts after I logged in using a new browser. I called and was notified to call later, the following day I called upon opening and confirmed all of my log in information which included the exact times of the login that was made ( confirmed by customer service ). 

They then told me to send them an email with : XXXX. Full Name : XXXX. Access Number : XXXX. Reason : Online Banking Unlock XXXX. Latest IOS Version ; XXXX. Picture of photo ID XXXX. Signature signed 3 times I was told that I would be contacted within the hour. They never contacted me, so I called once again and they said they couldnt find the email, even though I provided everything. They then said after another call that they needed the information sent another way ( handwritten, all in XXXX page ). I sent it once again and provided all the required information to reinstate my account. They said they would get back to me. They still have yet to reinstate my account access after confirming my identity and providing all the required information. I cant access my accounts which includes a credit card, debit card, and savings account. Its hard to get in contact with that department and this short process took over XXXX hours with phone wait times. I am overseas and cant walk into a branch, but have provided all the proper ID to confirm my identity and reinstate my account. They arent doing that and tell me to keep waiting. It shouldnt take this long to have access to my bank accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tally Technologies
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2024-03-03 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: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
I was given XXXX {$250.00} gift cards, along with my wife, from XXXX XXXX after volunteering to take a later flight. 

The gift cards arrived with an expiration date of just six months after issuance ; they were issued XX/XX/XXXX, and expired XX/XX/XXXX. 

None of the four gift cards were ever used.

The cards are issued by XXXX, pursuant to a license from XXXX, and the value is to be forfeited if not used by the expiration date. 

Never in a million years did we think that the expiration date would be just six months after issuance. All {$1000.00} dollars were left unused. 

When we attempted to get our money back, the phone number provided by MyPrepaidCenter.com tells us to go to the website ; we can not contact a real person. The website will not allow us to enter in the card information, as the cards are expired. 

XXXX washed their hands of the matter, saying that they can " only assist with inquiries about the value of the Gift card or your Gift Card order status. '' We want our {$1000.00}. 

The card numbers are as follows : XXXX XXXX XXXX XXXX, exp XX/XX/XXXX, code XXXX XXXX XXXX XXXX XXXX, exp XX/XX/XXXX, code XXXX XXXX XXXX XXXX XXXX, exp XX/XX/XXXX, code XXXX XXXX XXXX XXXX XXXX, exp XX/XX/XXXX, code XXXX. 

We would like our money back, please. We are counting on the CFPB to do for us what we lack authority to do, to take the money that was given to us back. 

Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO sent new cards that I should be able to activate online. However, there is no online option to activate new cards. I submitted a request online for instructions, but received erroneous instructions instead. The only option available online is to change a PIN.

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 2024-03-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I bought a XXXX prepaid visa card, debit Visa from XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX date of purchase was XXXX XXXX and time was XXXX. 
I loaded {$60.00} onto the card. The only purchase I made on the card was on XX/XX/XXXX for {$32.00} at XXXX XXXX. I didn't try to make another purchase till XX/XX/XXXX at XXXX XXXX. At that time only {$.00} came off the card and then it said insufficient funds. When I got home I checked the balance on their website, provided on the back of the card : XXXX at XXXX. There was a charge of {$27.00} to a XXXX XXXX, XXXX at a XXXX in California. When I looked it up, it appeared to be a clothing store in California and the charge was made online. 
So, I called the number on the back of the card to make a fraudulent claim for reimbursement. The lady who answered had a heavy accent, couldn't even understand her name. I had to have her repeat her questions many times. She took my name, email, and phone number down and said she was filing a case number. The case number provided was XXXX. She said it would take 45 days to reach a conclusion. So, XX/XX/XXXX came and went without resolution. No one got back to me. Upon going on their website again to check my balance, the website says down for repairs. It has remained this way ever since. It's now XXXX XXXX. 
Doing some research showed me many, many people with this same problem with XXXX of dollars disappearing. When they try to resolve online, they get the same message I did. Website down indefinitely after the card has been robbed of all the remaining money. Many stated that the phone number was attached to just another scam agency. 

I want to know how this is possible for a fraudulent gift card to be sold in various stores in various states and how to get my money back. Is a class action lawsuit possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have had to dispute this company twice for fraud ; its started off as XXXX XXXX XXXX XXXX XXXX and then as XXXX XXXX XXXX and now its under the name Capio Partners LLC For the third time I am here to clarify I do not owe that debt. They can not verify any of what they're claiming I owe. EVERY YEAR I am harassed by this company/dept and im at a point of exhaustion.

I will clarify once again, this is FRAUD. Please I'm at my wits end and I don't know how to have this stop impacting my credit. Im trying to fix my credit and buy my first home and they constantly try to put this FALSE report on my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: Mid-Atlantic Finance Co., Inc.
State: OH

Complaint narrative:
I was told I needed to pull my credit report from all XXXX bureaus because I pay a credit defense company. I noticed a lot of discrepancies on my credit file. Wrong addresses closed debt I paid in full also ex-husbands debt included in a bankruptcy. These reports I never authorized. I am not aware of all these inquiries that were made without my consent. These items are old debts. Also reporting incorrect balance XXXX XXXX after agreement of monthly balance repayment. Mid Atlantic, XXXX XXXX, XXXX XXXX auto is always currrent in my payments. XXXX, XXXX XXXX, XXXX XXXX and so on are companies I have never used or inquired about.

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

Complaint narrative:
I am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items immediately.

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