vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: IL

Complaint narrative:
I was gifted an American Express gift card as a gift but the card doesnt work at any stores. Ive tried at approximately XXXX different stores only to receive the same reader error at every store. You sit on hold forever with the number for help with American Express

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
Please see attached, I recently reviewed a copy of my report I was very shocked when to learn I have been a victim of identity theft ( see attached filled out form ) I found numerous inquiris on my creit report they were not open by me XXXX XXXX. This has been affecting me without me even knowing. I am in the process of purchasing a home for my family please remove the fraudalent inquiries from my credit report as soon as possible. thank you for your time. Please 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 explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Several things happened after that point. XXXX insisted that they didn't want my trade and I had to bring the XXXX back. Then they said they couldn't finance me and I had to bring the XXXX back and take My XXXX XXXX XXXX plug in. I stated to the XXXX  XXXX that I never received any credit denial letters for the XXXX that was to be financed and that it would be fine that I would pull the money out of my retirement and pay the cash difference. The representative then said that I had to finance the remainder that I couldn't pay the cash difference. 

In XXXX, I received a denial of credit letter from Mountain America Federal Credit Union dated XX/XX/XXXX in the amount of XXXX. 

As of today, XX/XX/XXXX I am driving a XXXX XXXX that the transaction wasn't closed and the vehicle is not titled in my name. I've asked XXXX and XXXX XXXX why my credit was ran for XXXX without my consent and over a month after the date I purchased and closed on a vehicle. I have asked to close the transaction and to be able to pay the cash difference with no response or opportunity to rectify, I don't know what sort of fraud this is but it isn't right. 

Thanks for your help, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: KY

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.

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

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

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

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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2023 I received a letter from the IRS that we owed back taxes. As I knew they were paid I went online to my Chase account to retrieve check information and found that over the year 6 of our checks had been washed and deposited to random people but not the tax departments. In addition there was a fraudulent cash withdrawal from a teller at a branch for {$41000.00}. I immediately called the Chase fraud phone line and their response was how is that possible. I had the same question. I went into my branch and sat with my rep for hours while we spoke to the fraud department and reported everything. In addition, I filed a police report. After not getting any response from Chase, I inquired what was happening and they said that being this all happened more than 60 days earlier, they will not take responsibility. Theres no reason I would have looked at those checks had the IRS not contacted me so of course I didnt notice it earlier. But the total that was stolen is over {$200000.00}. The police subpoenaed Chase for a video of the cash withdrawal but have not heard back yet. I have contacted the police department multiple times but they said we have to wait.

Chase gave me the info where the washed checks were deposited and which branch the cash withdrawal came from. It happens to be a branch Ive never been in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IL XXXX LVNV Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Dispute and Cease and Desist Notice - Account Number : XXXX To Whom It May Concern, I am writing regarding a debt reported on my credit report by LVNV Funding LLC, with a last report date of XX/XX/2024, concerning an open balance of {$880.00} related to XXXX XXXX XXXX XXXX. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am disputing this debt and demand a detailed validation of it. I assert my rights for accurate and honest communication regarding this matter. 

Furthermore, this letter serves as a formal cease and desist notice regarding all telephone communications. I request that any further communications be conducted in writing only, as per my rights under the FDCPA. 

I expect this matter to be reviewed promptly and a written acknowledgment of the validation of this debt, or its removal from my credit report, should no validation be provided. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A scammer accessed my Bank of America checking account on XXXX and set up bill pay accounts to XXXX XXXX XXXX XXXX XXXX up XXXX payments of {$4700.00} and {$4800.00}, totaling {$9600.00}. I reported the fraud on XXXX while transactions were still in " pending status ''. The account was locked by the bank but funds were still allowed to leave account. My account is set up to receive phone notifications when bill pay accounts are created and no phone notifications were sent to me. Funds were taken and returned 3 times over the next couple of days. I have received no answers from the bank other than a claim denial. Documentation is attached. I immediately filed a police report. I later send a letter ( attached ) to the Presidents office but have received no follow thru other than a promise that they will follow up on this. I have contacted the bank by phone on at least 20 occasions and twice by an email letter with explanation. This has been an extreme hardship for my wife and I who are senior citizens. I have a XXXX  year history with Bank of America with no previous fraud issues. We just moved to XXXX  from XXXX  and the money that was stolen was to pay for our moving expenses. Please help us!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: VA

Complaint narrative:
This is in reference to : XXXX XXXX XXXX Account : XXXX Balance due : {$640.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context.

According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me.

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option.

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law.

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and Experian may not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, 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 2024-01-25 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: TX

Complaint narrative:
Amex giftcards are ridiculous. I have yet to find a location where the card is being accepted and can not be used online, even on a low of the sites they have on the website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 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:
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.

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

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

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

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 2024-01-25 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they're violating the Fair Credit Reporting Act. The accounts I have listed below are causing harm to my credit report.

According to 15 USC 1681i ( 5 ) The credit bureaus said everything was complete and accurate and I asked them if they can provide me with the proof of paperwork and they have not done that. These listed accounts found in section of Closed Accounts & Collections are listed as follows. 

Account : XXXX XXXX Bank account # XXXX ( Closed Account ) Account : XXXX XXXX account # XXXX ( Closed Account ) Account : XXXX account XXXX XXXX ( Closed Account ) Account : XXXX XXXX  account # XXXX XXXX Closed Account ) Account : XXXX XXXX XXXX account XXXX XXXX ( Closed Account ) Account : XXXX. XXXX XXXX account # XXXX ( Collection account ) Account : XXXX XXXX XXXX account # XXXX ( Collection account ) Then I asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) and they never did.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system.

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 2024-01-25 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: NY

Complaint narrative:
These accounts that I am sending you are to be deleted since they are not mine. 


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 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 2024-01-25 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: NJ

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

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 2024-01-25 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: NJ

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

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 2024-01-25 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: MO

Complaint narrative:
Experian lied again with this complaint as yet once again THERE STILL WORKING ON THE ISSUE, of course this is another lie or stall tactic

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 2024-01-25 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: Nelnet, Inc.
State: CA

Complaint narrative:
I am writing to express my concern with Nelnet 's handling of my student loan payments on two separate occasions. Despite submitting payments, I have observed a significant issue in the application of these funds to my loan account. This issue, unfortunately, has been seen by many borrowers as reflected in online discourse. 

On XX/XX/XXXX I requested for a payment of {$420.00} to be sent to Nelnet on my behalf from the XXXX portal. The payment was accepted by Nelnet on XX/XX/XXXX but not reflected in my account at all. I called in fall of XXXX about this matter and was told the XX/XX/XXXX payment was actually my XX/XX/XXXX payment, which is not the case per my records. I felt they were trying to rush my off of the line. On XX/XX/XXXX I requested a payment of {$3600.00} to be sent to Nelnet on my behalf from the XXXX portal. The payment was accepted on XX/XX/XXXX and has not been applied to my account. This is a total of {$4000.00} dollars that has been sent and accepted by Nelnet but not reflected in my account as my account accrues interest daily making this an expensive and damaging error. I called on XX/XX/XXXX to inquire about these two payments and was told to wait longer for the XXXX payment but that they would try to find out where the XX/XX/XXXX payment was. I have not heard back from the company yet, but it appears the {$420.00} has been credited to the account, there is still no indication of my {$3600.00} payment reflected in my account. 

This has not only caused unnecessary stress and confusion but has also led to concerns about the accurate reflection of my outstanding balance. I believe that prompt and accurate payment processing is crucial for maintaining a transparent and fair financial relationship. I kindly request an immediate investigation into these issues and a resolution that ensures the timely and accurate application of my payments to avoid any further disruptions in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I want the marked forclosure off my credit report we are in court, this case is not closed..

Company response to consumer: Closed with explanation