vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX is violating my right to privacy and I have elected to opt-out of any future credit reporting especially negative items currently on my report. I was denied credit by PenFed. They are in violation of 18 U.S. code 1028 Fraud and related activity in connection with identification documents, authentication features and information ; 15 U.S.Code 6802 Obligations with respect to disclosures of personal information ; 15 U.S. Code 6801 Privaty Obligation Policy ; Can't produce Social Security Release Consent forms. ( SSA-3288 ) with my signature ;! 5 U.S.Code 1691 Congressional Findings and Statements of purpose:15 U.S. Code 1681a Defintions rules of construction ; 15 U.S. Code 1681b ( Permissible Purposes of Consumer Report ) 18 U.S. Code 8 Obligations or other Security of the United States that all debts public and private is settled by the United States : Texas Penal Code Sec . 32.53 and Texas Penal Code 32.51

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 2024-01-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have recently taken steps to address inaccuracies on my credit report by instructing XXXX, XXXX, and Equifax to reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite clear inaccuracies and errors in my credit reporting, all three credit reporting agencies have declared that everything is complete and accurate. This situation is in direct violation of the mandate set forth in 15 U.S.C. 1681i ( 5 ), which requires these agencies to remove or modify accounts that are not reporting correctly. 
Furthermore, I want to highlight the importance of 15 U.S.C. 1681s-2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate consumer information to any consumer reporting agency. It is evident that these agencies have failed to comply with this crucial provision. 
I possess compelling evidence to support my claims of credit reporting violations, and I am submitting this formal complaint to the Consumer Financial Protection Bureau. My goal is to seek a resolution that ensures the accurate reporting of my credit information, aligning with federal laws and guidelines and holding the credit reporting agencies accountable for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX - We discovered that our credit card was 4 days in arrears in paying our bill, and called Capital One to resolve. The clerk said she could initiate a transfer from our XXXX account, and I authorized the transer without giving her an account number. She initiated the transfer from her side, but using an old XXXX account number and sending to XXXX. The transaction number was XXXX. 
XX/XX/XXXX - I discovered online that the transfer of {$10000.00} from XXXX using acct # XXXX had been rejected by XXXX. 
XX/XX/XXXX - I called the bank for an explanation of the returned transfer and was tranferred to the Capital One Fraud Dept, hereafter referred to as, " XXXX XXXX XXXX. '' They told me I needed to pay the full amount again plus interest, and also to provide them a statement from my XXXX account, while they " investigated '' the transaction. This I did, immediately, sending them a copy of my XXXX statement ending in XXXX. 
XX/XX/XXXX - Noticing online that the accoount was still frozen, I called Capital One and was immediately routed to the XXXX XXXX where I was told my documentation was still not in order, and that the investigation could not proceed untill I sent them documentation for acct # XXXX. ( the account from XXXX that their clerk had erroneously used for the initial rejected transfer ). When I complained that I did not have that account documentation the customer service supervisor ( " XXXX '' ), hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX Per the Fair Credit Reporting Act this account should immediately be deleted. I never used this account as a credit account nor have I signed any agreement that rises this account to the level of a credit account by law. I never gave this company authority to use my credit consumer report to collect a debt and by law should not have accessed due to this not being a credit or loan that I signed for.

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 2024-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I think the interest on this loan is excessive.to date I have repaid XXXX on a XXXX loan and they are saying that I still owe XXXX dollars more.in addition I suspect I was charged interest on a payment that they reversed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I lost my debit card on XX/XX/ or sometime near my card was found & used to withdraw {$560.00} from an ATM, XXXX .I FILED A CLAIM AND WAS EXPECTING MY MONEY RETURNED INSTEAD BANK OF AMERICA DENIED MY CLAIM STATING I ALLOWED OR SOMEONE I KNOW WITHDREW THE FUNDS?? I DID NOT AUTHORIZE ANY FUNDS TO BE WITHDRAWN FROM MY ACCOUNT!! I LOST MY CARD WITH A PHONE & several other cards. IM VERY UPSET WITH THIS ACCUSATIONS I RECIECED.

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 2024-01-05 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: MOHELA
State: TN

Complaint narrative:
With the knowledge that student loan repayment would restart in XXXX, I started working with MOHELA to correct my payment amount, as they hadn't updated my account to reflect the SAVE plan yet. I started calling MOHELA some time around XX/XX/XXXX. We are now in XX/XX/XXXX, payments have started but MOHELA just can not get my payment amount correct. Month after months, I call. I spend about 10 hours per month doing everything I can to get MOHELA to just do their job and do it right, but somehow they just can not. My payment should be $ XXXX, and while MOHELA has changed my payment amount numerous times over the last several months, they still can not get anywhere close to the accurate figure. 

In XXXX, a MOHELA supervisor wrote very clear notes and instructions to whomever would be updating my payment amount, which, if followed, would result in the accurate calculation of my payment amount. VERY CLEAR. Yet these notes and instructions went unheeded and my payment is still calculated at more than twice what it should be. 

All of my efforts to this point have been fruitless. I honestly do not know what else I can possibly do to get MOHELA to just simply do its job and do it right. I have gone above and beyond with my efforts, however I can not overcome the incompetence or lack of care from this giant company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: MI

Complaint narrative:
JPMCB AUTO FINANCE - 01/04/2024

SERRA FORD FARMINGTO via 700CRSERRA FORD FARMINGTON HILL -11/24/2023

ALLY FINANCIAL- 11/24/2023

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 2024-01-05 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: FL

Complaint narrative:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

Trans Union, XXXX, and XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data 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 2024-01-05 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: FL

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data 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 2024-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention a matter of great concern involving American Express Bank that has caused me significant distress and inconvenience. 

On XXXX XXXX XXXX XXXX XXXX XXXX, I received a promotional email from American Express Bank. The email was personalized with my name and was specifically targeted at me as a valued card member. The offer was enticing : a {$350.00} cash bonus if I deposited {$25000.00} or more into a new American Express High Yield Savings account by XX/XX/, and maintained that balance through XXXX XXXX XXXX 

Believing in the credibility of American Express and the clarity of the offer, I promptly deposited the required amount into the new account. In fact, my account was credited with {$25000.00} on XX/XX/XXXX, well before the XX/XX/XXXX deadline. I made sure to maintain the balance as stipulated in the offer, expecting the bank to honor its promise. I maintained these funds until XXXX or XXXX, well beyond the required period. 

Despite my numerous attempts to resolve this issue with the bank, I have not received any satisfactory response or the promised bonus. This experience has left me feeling misled and unfairly treated. The bank 's failure to honor its promise and its lack of clear communication regarding the offer 's conditions have caused me considerable stress and disappointment. 

I have reached out to the bank 's customer service multiple times, only to be asked to wait, sometimes for as long as 15 days. Each time, I am given vague responses and promises of escalation to the corporate office, but to no avail. The bank continues to buy more time, leaving me in a state of uncertainty and frustration. It appears that the bank is using delay tactics and providing baseless reasons for not crediting the promised bonus. 

I kindly request your intervention in this matter. I believe that consumers should be able to trust the promotional offers they receive, especially from reputable institutions like American Express Bank. I am attaching all relevant documents, including the screenshot of the exact offer I received, the terms and conditions mentioned in the offer, and my bank statements showing the balance maintained throughout the offer period. 

Thank you for your attention to this matter. I trust in your commitment to protect consumers and uphold fairness in financial dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2024-01-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: GLOBAL SOLUTION BIZ LLC.
State: TX

Complaint narrative:
There are a few companies involved in this debt collection. 
XXXX XXXX, Global Solution, and XXXX I obtained a loan from XXXX in XXXX, but defaulted in XXXX. XXXX used Global Solution to collect my debt. I spoke to XXXX with Global Solution before XXXX XXXX, and she said that I could pay a settlement offer of {$2900.00} over 3 months. I then found out this week that XXXX had already enforced a UCC lien with XXXX XXXX to freeze my payouts. I have requested a copy of the court order for the UCC lien, but have not been provided one. I also contacted Secretary of State, Comptroller, and XXXX XXXX to confirm that there are no liens pending under my name or the business name. I believe that Global Solution illegally used the UCC form to enforce the lien on my account with XXXX XXXX. I have not been served or contacted by the court for this matter. Global Solution is now telling me that the {$2900.00} must be paid In Full to release the lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation