vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act 15USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't being shared which is backed by15 USC 6801. XXXXXXXX XXXX XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMENT is a financial institution under the title 15 USC 6801. 15 USC 1681 section 2 states that " In general subject to subsection ( c ), any 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 who it relates. " XXXX XXXX XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMENT '' the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and don't have my written consent. All consent to XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMENT whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMENT never informed me of my right to exercise my non disclosure option. 15 USC subsection ( b ), 1681C ( a ) ( 5 ) states " Except as authorizedunder no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items, other than convictions of crimes which antedates the report by more than seven years. This account is an adverse account that you are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) a states " A person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. 12CFR 1016.7 states '' A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: IN

Complaint narrative:
I looked at cresit report and seen fraudulent accounts. Please delete!! Accounts are affecting ability to love healthy life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Dear cfpb, I am writing to file a complaint regarding the fraudulent dispute of funds by Apple Credit Card, charging both the merchant and the customer. 

After receiving XXXX products that I found to be not worth the price paid, I attempted to return it to the merchant. However, the merchant refused to provide a return address and label, insisting on unreasonable grounds. Consequently, I had no choice but to file a dispute with Apple Credit Card regarding this transaction. 


Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed amount : {$130.00} Amount to be rebilled : {$130.00} Despite clear evidence, Apple Card Goldman Sachs confirmed the dispute as successful and sent me an email confirming the Dispute Status : Completed ( Disputed charges will be removed ). The temporary credit received, including any interest charges, was supposed to be permanent. However, if seller also issued a credit for this disputed transaction, the permanent credit might be reversed. 

As I never received the credited amount, I already filed a complaint with cfpb against Apple Card Goldman Sachs for failing to transfer the disputed amount to me. 

Shockingly, after my complaint, Apple Card Goldman Sachs maliciously deemed the dispute unsuccessful, thereby fraudulently retaining the funds. Today, I received an email stating Dispute Status : Completed ( Disputed charge ( s ) will remain ). The temporary credit of {$130.00} This corrupt and dictatorial behavior by the bank is unacceptable. 

I urge the authorities to oversee this matter promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-16 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' American Express is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any 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. '' American Express, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, and XXXX from American Express whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' American Express never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: TX

Complaint narrative:
I received my first notification of my loan payment confirmation via email from CarMax XXXX today XX/XX/year>. In this email they sent, it contained my full bank routing number and my account number. I have called several times and they claim they can't remove the routing number from the emails which I believe is a violation of my privacy rights. Anyone who is capable of hacking emails can have access to my bank account by disclosing my personal information. This is very irresponsible on the part of CarMax XXXX. No one can give me an answer as to why it can't be removed from future emails from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: GA

Complaint narrative:
Your agency has repeatedly ignored my requests to fix inaccuracies on my credit report, violating the Fair Credit Reporting Act. Despite my efforts to resolve the matter with the creditor, your refusal to verify information displays negligence. The following errors are still on my credit report, adding to the distress caused by your agency 's actions : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE IDENTITY THEFT INQUIRIES MADE WITHOUT MY PERMISSION. 
DELETE ALL THOSE FRAUD INQUIRIES BY LAW AND SEND ME A COPY OF MY CREDIT REPORT. 


XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX  INQUIRY XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX  INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX  XXXX DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023. 
XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX : XX/XX/2023 Thank You for Your Help.

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 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
got a card to get a pellet stove they approved us for XXXX then when we got the stove picked out it would not go thru not sure how XXXX at XXXX XXXX did it but it finelly went thru so we decided to make another purchase on the card with the same XXXX XXXX and could not get it to go thru they said that that XXXX XXXX was no longer on thier list of people to purchase from even thou we just got our stove about XXXX month eailier. Wells fargo is issuing credit cards that can not be used.

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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CO

Complaint narrative:
Subject : Notice of Default Claim and Violation Report To Whom It May Concern, I am writing to file a complaint against The Bank of New York Mellon for their failure to perform and credit my accounts following the submission of a Notice of Redemption for a bundle of four securities on XX/XX/2024. 

Details of the Violation : - Date of Notice of Redemption : XX/XX/2024 - Date of Securities Arrival ( per tracking information ) : XX/XX/2024 - Violation : Failure to credit the accounts and perform the redemption as per the submitted notice. 

According to the First Tier of the Consumer Financial Protection Bureau ( CFPB ) regulations, The Bank of New York Mellon is hereby notified that they shall forfeit and pay a civil penalty of not more than {$5000.00} for each day during which the violation continues. The violation in question pertains to the failure to perform and credit the accounts as instructed in the Notice of Redemption. 

This Notice of Default Claim is issued to provide The Bank of New York Mellon with an opportunity to rectify the violation promptly. I emphasize that failure to address and remedy the aforementioned violation within the specified timeframe will result in escalated actions, including further penalties in accordance with the Second Tier of CFPB regulations. 

I am aware that XXXX XXXX serves as the Indenture Trustee, responsible for overseeing these transactions. Therefore, I am formally requesting that XXXX XXXX, in her capacity as the Indenture Trustee, credit the accounts correctly as outlined in The Bank of New York Mellon 's responsibilities towards the redemption of each holder 's securities. 

Enclosed, please find the relevant documentation, including the Notice of Redemption and tracking information for your reference. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and trust that the necessary steps will be taken to address and rectify this violation promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Consumer Dispute Regarding Violation of Laws CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-2 ( 7 ) ( a ) Dear Sir/Madam, I am writing to file a formal consumer dispute against National credit system regarding their alleged violations of the following laws : CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-2 ( 7 ) ( a ). 

Firstly, in accordance with CFR 1006.34 ( b ) ( 5 ), National credit system has failed to provide accurate information. Despite my repeated attempts to rectify the situation, the company has not taken appropriate action to address the inaccuracies in the information they have reported. 

Secondly, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), National credit system has neglected to investigate my disputed claim within the required timeframe. I have provided all necessary supporting documentation and evidence to substantiate my claim, but the company has not fulfilled their obligation to conduct a proper investigation. 

Furthermore, as per 12 CFR 1006.34 ( d ), National credit system has failed to provide me with a written response outlining the results of their investigation and any actions taken to resolve the dispute. This lack of communication and transparency is in direct violation of the law. 

Lastly, National credit system has violated 15 USC 1681-2 ( 7 ) ( a ) by unlawfully disclosing my personal information to unauthorized third parties ( XXXX ) without my consent. This breach of privacy is not only a violation of federal law but also puts me at risk of potential identity theft and financial harm. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against National credit system for their violations of the aforementioned laws. I would also appreciate your guidance and assistance in resolving this dispute and ensuring that National credit system complies with all relevant consumer protection laws moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Im so tired of having to file complaints to the CFPB because Wells Fargo is XXXX. 

I got a deposit from XXXX for {$570.00} that was pending on my account, XXXX hours later Wells Fargo removed it off of my account and I contacted them to ask why. 

The agent told me that she still sees the {$570.00} refund in her system yet she does not know why it was taken off however, encourage me to wait XXXX to XXXX business days to see if it would get reflected back onto the account. 

Wells Fargo with held the {$570.00} deposit of mine and then approved XXXX transactions, for {$500.00} and XXXX for {$130.00} and then assessed me an insufficient fund fee charge for each of XXXX of those transactions Right when those transactions posted, Wells Fargo posted my credit of {$570.00} and left me negative when originally that money shouldve been there already yet they did their typical XXXX move and charged me fees. 

I am so sick of having to deal with this every single time

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 2024-02-16 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:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need access to my credit report from XXXX, transunion and XXXX. I have been unable to access my credit report. 

It is my right to access my consumer report under the Privacy Act of 1974.

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 2024-02-15 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: Regional Management Corporation
State: AZ

Complaint narrative:
Regional Finance Corporation of Alabama d/b/a Regional Finance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX : XX/XX/2020 Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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 want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly 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 2024-02-15 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: PA

Complaint narrative:
Upon thorough review of my credit report from TransUnion, it has become evident that numerous discrepancies and inaccuracies exist within the reported information. These discrepancies encompass various parameters including, but not limited to, high balance, last verified date, date of last activity, date reported, date opened, balance owed, closed date, account rating, account description, dispute status, creditor type, account status, payment status, and original creditor. Such discrepancies cast doubt on the reliability and accuracy of the information presented.

As a leading consumer reporting agency, TransUnion LLC is subject to stringent obligations outlined in the FCRA. These obligations mandate the accurate reporting of consumer information, the diligent investigation of consumer disputes, and the rectification of any inaccuracies or incompleteness identified in the reported information.

Moreover, the ramifications of TransUnion 's inaccurate reporting extend beyond mere inconvenience. My recently encountered a detrimental consequence as a direct result of the inaccuracies within their credit report. Specifically, my application with the United States Capitol Police  was unjustly rejected due to false and incomplete information furnished by TransUnion LLC. This unwarranted rejection has inflicted substantial harm upon my financial stability and personal reputation.

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 2024-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Did not open account with this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.

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