vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
I owe about XXXX in debt to the Military Star Exchange Program which is under the Army & Airforce Exchange Services, they turn the debt over to XXXX XXXX XXXX XXXX they are saying I have to pay them XXXX extra dollars on the debt because they turn it over to them, at a rate of XXXX Interest until I pay off the debt. They sent me a letter saying that if I don't satisfy this debt that they will began taking payments out of my Social Security benefit payments, I also told them that I could pay them XXXX a month on the debt, and they said it would take me 30 years to pay off the debt at XXXX percent interest, they told me I would have to pay a minimum of XXXX a month for 36 months, I also called the Military Star Exchange and told them that I could pay on the card they gave me, but they said they turned the account over to collections and they would not be able to accept no payments from me on the card,

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 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We received a letter from Bank of America dated XX/XX/2024 welcoming my business LLC to Business Advantage Fundamentals Banking Account. We did not request to open an account. The TIN on the form was not our TIN. The letter requested we send a " Business Resolution and Authorization for Opening and Maintaining Banking Relationship '' form. It did not have our State where Organized/Registered/Principal Place of Business filled in. 

I called BOA at XXXX, their line to report fraud, to request who opened the account, request it be closed, and told them I would report them for fraudulent activity. They told me it wasn't fraud since it wasn't our TIN. I could not report it as fraud to BOA, I could not close the account since it isn't our TIN. They will not give me any information as to who opened the account. They were encouraging me to destroy the letter. I told them I was keeping it as proof of their unethical marketing and in case unlawful activity occurs so we can report it to the proper authorities.

This activity seems to be sketchy at best and fraudulent at worst. Bank of America doesn't seem to have learned from their prior unauthorized opening of accounts and the fine they paid in the past.

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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
As of XX/XX/XXXX was the last time I received anything from the company but it is still showing on my credit. I have asked them to send me information about the purchases and still have not received them. I have spoken with several agents over the phone over the years since the card was stolen by my roommate. I have gotten a judgement against me because of this card. I was sent a letter stating that I needed to show a police report, I did not get one because the person was my roommate and they did not allow me to file on where I lived at the time the charges were made. It was in XXXX South Dakota. I requested years ago to have the card closed because it was gone and so was the roommate. I have disputed the charges online, I sent in the dispute letter to them back in XX/XX/XXXX that came in the mail from XXXX XXXX XXXX. I have not heard back from them, no more letters or correspondences. 
The company had me served by XXXX XXXX XXXX in Arizona back in XXXX, I did not receive a copy of the judgement at the time. It was received months later in the mail that it was given to someone who was at my apartment at the time. Not a resident ; though the letter states a CO-RESIDENT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-02-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have a {$10000.00} in a CD at US BANK that rolled over without my taking any action. Because I happened to miss one email, the CD changed from 5 % to the lowest possible rate the bank could give, which is .05 %. If I wishes to change, I have to pay a {$100.00} penalty plus another {$25.00}. This is simply taking advantage of consumers. It may be legal, but losing XXXX of dollars of interest because you missed one email seems simply unethical. I can't believe this is legal, to take advantage of people like this. It is too late for her but is there anything that can be done to protect consumers from being ripped off like this?

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have multiple inquires to credit unions and other lending entities on or around XX/XX/2023 and ending on XX/XX/2023. I have disputed these inquiries and the bureaus refuse to remove these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for these loans and want them removed from my bureaus. 

thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: OH

Complaint narrative:
I have multiple inquires to credit unions and other lending entities on or around XX/XX/year> and ending on XX/XX/year>. I have disputed these inquiries and the bureaus refuse to remove these items. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for these loans and want them removed from my bureaus. 

thanks 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 2024-02-05 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: LA

Complaint narrative:
I was looking over my credit report and was very frustrated to find that there were a number of inquiries being falsely reported without my consent. The bureaus did me a major disservice by putting this inquiries on my report with any kind of verification that they were true and accurate. I did not give them permission to give away my information to the companies listed on the given dates and need this fixed.

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 2024-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I have made multiple attempts to reach Mohela to discuss the status of my XXXX eligible student loans. I provided them additional documentation which I was told would be reviewed within 5 business days- this was almost 6 weeks ago. I spent an inordinate amount of time calling their various numbers to try to speak to someone but their automated system makes it nearly impossible to reach anyone who can help. Finally, today I got through to a representative. I explained the nature of my issue and then was immediately told they couldnt help me and would transfer me elsewhere. After waiting on hold for over 90 minutes the phone disconnected. 

If this is the agency managing XXXX - eligible loans on the governments behalf I would recommend firing them and finding a company capable of actually helping the borrowers. Its embarassing to spend so many years in public service for the promise of XXXX only to not be able to get your loans discharged. I have made the requisite payments and what they are currently doing is nothing short of criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was looking over my credit report and was very frustrated to find that there were a number of inquiries being falsely reported without my consent. The bureaus did me a major disservice by putting this inquiries on my report with any kind of verification that they were true and accurate. I did not give them permission to give away my information to the companies listed on the given dates and need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was looking over my credit report and was very frustrated to find that there were a number of inquiries being falsely reported without my consent. The bureaus did me a major disservice by putting this inquiries on my report with any kind of verification that they were true and accurate. I did not give them permission to give away my information to the companies listed on the given dates and need this fixed.

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 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one close my 360 checking account out of nowhere because I received a {$1000.00} dollar XXXX from a family member to help me with bills. They didnt let me refund my family member, they just restricted my account. Me and my family member is now out of a {$1000.00} bucks. I havent receive any check in the mail or anything. My account shouldnt even have been close considering I follow all capital one 360 guidelines. This is super ridiculous and flat out robbery by capital one. I look online and many others like myself have experience the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: TX

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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 respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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 eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
On XX/XX/XXXX  I obtained a title loan from Title Max in XXXX, Tn. I only needed a title loan but was sold the flex loan by being told that it would t be available to me if I didnt take money out then for it. I took the money out just in case of hardship. Paid my title loan off in 2 months. Called Title max looking for my title and was told that it was connected to the flex loan. My truck is now repossessed so I contacted a resource that I have through the military who advised me that they gave me the loan under deceptive practices. I called for several days XXXX through today and finally spoke with the XXXX  manager who advised me that because I checked the box that I wasnt military that there was nothing that she could do. She was very nasty when I told her that I could understand why I would check that because my husband is neither active or reserve but deceased. There was no box for deceased. There was no resolution and now my truck will be privately up for auction. I dont understand as well why it is private instead of a public auction. Possibly because its a nice truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-05 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-05 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: IL

Complaint narrative:
It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress. I kindly request that you prioritize this issue, thoroughly investigate the situation, and expeditiously eliminate these unauthorized accounts from my credit report. Your swift attention to and resolution of this matter are greatly 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 non-monetary relief
Consumer complaint received 2024-02-05 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I recently got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report.

According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation.

I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately.

If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done.

I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

Company response to consumer: Closed with explanation