vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 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: WA

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.

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 


XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX Account XXXX XXXX {$380.00} XXXX XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$740.00} XXXX Account XXXX XXXX {$740.00} XXXX XXXX. {$740.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$1100.00} XXXX Account XXXX XXXX {$1200.00} XXXX XXXX {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$0.00} XXXX Account XXXX XXXX. {$470.00} XXXX XXXX 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} XXXX Account XXXX XXXX. {$1300.00} XXXX XXXX {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3800.00} XXXX Account charged off. {$3800.00} written off. {$1600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX Balance {$1200.00} {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX BANK Potentially negative CREDIT CONCEPTS Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX XXXX. 
Collection accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$470.00} XXXX XXXX account. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1200.00} XXXX XXXX account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$380.00} XXXX XXXX account. {$380.00} past due as of XX/XX/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 2024-01-21 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: FL

Complaint narrative:
In XXXX of XXXX, I reached out to the XXXX XXXX XXXX regarding lowering my monthly payment. I spoke to a supervisor who informed me that my payment would change from {$1000.00} to {$900.00} and I will be notified in writing of the changes. I have yet to receive any new paperwork reflecting the change. The company also assured me that my late payments from ( XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ) would be removed as well. My credit report has not been updated from XXXX XXXX XXXX since XX/XX/XXXX. This oversight has hindered my homebuying process and I would like it updated and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
I thought I was taken a loan for a little over XXXX dollars and when I started paying on it was over XXXX dollars with XXXX  the ad on and additional fee that were not explained to me. This is a One main financial loan and on my credit report only shows a XXXX loan give or take. I feel that there is something wrong with this but I could wrong and I didnt know I had some recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am XXXX XXXX, I am submitting this complaint for XXXX. No XXXX XXXX  is involved. Unknown account appears suspicious. XXXX XXXX stole my identity. I never gave XXXX XXXX permission to have my personal information which constitutes identity theft. This alleged account is deceptive and suspicious. No response has been provided. It has been over XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
Mohela has failed to count the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX towards my payment counts for Public Student Loan Forgiveness. I have called and requested that my account be updated so many times that I have lost track. I have been promised that my payment acount would have been updated by XX/XX/XXXX, XX/XX/XXXX and this month. This has not happened. Mohela 's failure to update my payment counts has caused me not to receive loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I made a purchase with my Venmo Credit Card ( Synchony bank ) on XX/XX/ for a hot tub/spa from a company called XXXX out of New Jersey with a home office in the XXXX. The purchase price was {$590.00} and the promised delivery was 3-5 business days within the continental USA which I do reside. After a few weeks of checking up on the shipping only to get false shipping numbers, I contacted the company to request cancellation of the order and a full refund. As the product had not yet shipped they agreed to refund the full {$590.00}, they provided documentation to show $ refunded however this money never showed up in my Venmo credit account, Venmo account PayPal credit or PayPal account. The result of Venmo/Synchony banks investigation was that the company never replied and since 1year had now passed thats all they could do and my complaint was considered closed. I easily made contact with XXXX customer service who provided a document with a transaction number showing the money was refunded. As XXXX position is that the money left their account into Venmo/PayPal/Synchony banks account that I would need to recover the money from them. My second attempt to provide this information to Venmo just triggered another complaint/investigation. Im sending them all documents, screenshots etc. to both email, and XXXX XXXX to ensure they receive it. I dont know where the money went but Venmo/PayPal/Synchony together and separately can only confirm what I already knowthat its not in my account. Im sure an audit of their books would show a payment from XXXX for {$590.00} but no customer that was provided that refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-21 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: TX

Complaint narrative:
To Whom it XXXX concern, I sent a letter on XX/XX/XXXX to the Attorney General of Texas represented by " XXXX XXXX XXXX '' on my credit report, opting out of them reporting to the credit bureaus. Per 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Per the Fair Credit Reporting Act as a federally protected consumer I am now opting out of any and all authorization, I the consumer my have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to 15 USC 6805. My rights have been violated, per 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), XXXX  consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I gave no such written instructions. This also violates my right under the Privacy Act of 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 2024-01-21 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: TX

Complaint narrative:
To Whom it may concern, I sent a letter on XX/XX/XXXX to the Attorney General of XXXX  represented by " XXXX XXXX XXXX '' on my credit report, opting out of them reporting to the credit bureaus. Per 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Per the Fair Credit Reporting Act as a federally protected consumer I am now opting out of XXXX  and XXXX  authorization, I the consumer my have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to 15 USC 6805. My rights have been violated, per 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), XXXX  consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I gave no such written instructions. This also violates my right under the Privacy Act of 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 2024-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I earned a kohl 's cash couban on a previous purchase. The Kohl 's cash coupons are stored on my account online for future use. I check my account this morning and I had a {$20.00} Kohl 's coupon that I earn from a previous purchase and later this evening the coupon. Was showing as redeemed. I immediately contacted their customer service number via chat online. And they said the coupon had been redeemed at a store in the state of Iowa and I live in the state of XXXX. The associates said there is nothing they can do to help me. Gave me XXXX incorrect phone numbers of XXXX other departments that have nothing to do with this XXXX. 
It appears that the company does not have sufficient security measures to prevent people from fraudulently use. Other customers earned coupons.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-21 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: NC

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 1681.10 XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a account without my written 15 U.S.C 1681 c. ( 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 vears. 15 U.S.C. 1681s-2 ( A1 ) 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 2024-01-21 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: NC

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 1681.10 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a account without my written 15 U.S.C 1681 c. ( 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 vears. 15 U.S.C. 1681s-2 ( A1 ) 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 2024-01-21 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: CA

Complaint narrative:
Delete hard inquiries 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 2024-01-21 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: GA

Complaint narrative:
I received a {$1000.00} American Express gift card as a gift, then tried to use it with a few different online retailers, grocers, etc. Each and every time, it was declined. I contacted these companies and they told me to contact American Express ; it was not them declining the charge. I contacted American Express and they said that the charges are declined for " security reasons '' and they can not discuss specifics.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-21 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: PA

Complaint narrative:
I noticed some inaccurate accounts and unauthorized inquiries. Please delete this accounts and inquiries. Also I recieve responses from the bureaus saying I'm using credit repair company which is wrong because I'm the only one sending letters and complaints XXXX XXXX XXXX XXXX XXXX, XXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX {$80.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I request the production of the promissory note associated with the financial agreement between us. It is crucial for both parties involved to have access to the original promissory note, as it serves as a key document outlining the terms and conditions of our agreement. 

To ensure transparency and clarity in our financial dealings, I kindly request that you provide the original promissory note for my records. This request is made in accordance with my rights as a party to the agreement. 

Please provide the requested document. 

In order to ensure transparency and compliance with applicable laws, I kindly request that you provide the following documents : A copy of the original debt agreement or contract. 
Proof of the assignment or transfer of the debt to your entity. 
Any legal documentation demonstrating your right to collect on this debt.

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 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I read the article from XX/XX/2023 that CFPB had instructed Bank of america to reimburse the overdraft fees that were run multiple times. 

I read that i did not need to file a claim and bank of america would voluntarily reimburse these funds. 

I have received no such reimbursements and mine is a multiple overdrafts with the {$35.00} charge

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 2024-01-21 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:
RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX SYSTEMS ACCOUNT DELIQUENT ACCT OPENED XX/XX/year> I DID NOT OPEN AN ACCOUNT IN XXXX NOT HAVE KNOWLEDGE OF THE ACCOUNT. I HAVE ATTACHED THE RESPONSE LETTER FROM XXXX WHERE NO ACCOUNT SHOWS UP ON XX/XX/year> NOR DOES THE AMOUNT ADD TO XXXX. DELETE THE ERRONOUS INFO I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

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 2024-01-21 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:
Equifax data breach, compromised my credit report, my life. I filed a claimed with equifax. 
I have numerous negative items on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: VA

Complaint narrative:
I'm filing suit if this isn't expunged in 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Per the fcra as a federally protected consumer I am now opting out of any of all authorization I the consumer may have given you written, unwritten or verbal or non verbal per 15 ufc 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: AL

Complaint narrative:
I have just been more interested in were exactly my credit is and what is on it. So, upon looking I noticed I have been a victim of identity fraud with accounts i did open and inquires I didn't authorize.

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 2024-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My son received a check from a law XXXX but since he's an a XXXX facility we sign a power of attorney documents and then I open an account online on my son 's name then when check arrieved I deposit de check on the ATM machine, now the bank is refusing giving me access to the account due to suspicious activity on his account. I proof with the bank in person and by phone who I'm with documents many times for the las 6 months and they still refusing giving access to the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: Early Warning Services, LLC
State: IL

Complaint narrative:
Early warning Services Is use My private information without my consent I Have The Right To Opt OUT of anything on my credit according to 15 USC 6802-6805 C 15 USC 1681b - Permissible Purposes of consumer reports 16 CFR 313- 313.7 All Opt Out Notices )

Company response to consumer: Closed with explanation