vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: MS

Complaint narrative:
These are fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4. Months Bye law these shouldn't be on my credit report I did not authorize these companies to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) regarding a serious violation of my privacy rights. It has come to my attention that NFCU shared my transaction history with a non-affiliated third-party company without my consent, which I believe is a direct breach of my privacy rights and may be in violation of federal consumer protection laws.

I sent a certified letter to Navy Federal Credit in reference to this and have yet to receive a response on the matter. I have attached all related documentation. Navy Federal conspicuously states in their terms they DO NOT share personal information with non affiliates. 

I request a thorough investigation into this matter to determine how and why my personal information was shared without my consent. 
I request that NFCU takes immediate corrective action to address this issue and ensures that my personal information is adequately protected. 
I request that NFCU provides a detailed response to this complaint, outlining the findings of the investigation and the actions taken to prevent such unauthorized disclosures in the future. 
I firmly believe that the privacy and security of my personal information are of utmost importance, and I trust that NFCU shares this commitment. I am filing this complaint with the Consumer Financial Protection Bureau to seek assistance and resolution of this matter. 

I appreciate your attention to this complaint and your assistance in ensuring that NFCU complies with federal consumer protection laws regarding privacy rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX XXXX, I withdrew {$5000.00} in cash from my XXXX XXXX XXXX. I walked over to Chase bank and deposited {$4900.00} in cash. The deposit was all {$100.00} to Chases ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I initially deposited {$5000.00} but one of the {$100.00} bills was returned because it was cut. I went into the branch to change the {$100.00} bill but the line was too long so I went back to XXXXXXXX XXXX and changed the bill. I went on vacation to XXXX XXXX XXXX XXXX XXXX XXXX. While on vacation, I checked my account and the deposit was not reflected in my account. I texted Chase through their banking app and finally got a number to speak with a claims rep. I spoke with 2 reps. On XXXX XXXX XXXX, the final rep I spoke with told me I would get a {$4900.00} credit in 24hours. On XXXX XXXX XXXX  the deposit is still not reflected in my account. The only written correspondence is a letter denying my claim. I just spoke with Chase, asked about the denial letter. The response was the claim has been escalated internally with notes. I asked for a letter amending the denial letter. To that I was told we dont do that. The final decision will be made on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: TN

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
In XX/XX/2023 I transferred my student loans from Nelnet to XXXX for repayment. After my loans were transferred to XXXX, Nelnet failed to " close '' or " transfer '' my loan accounts on my credit report. I have contacted Nelnet three times by phone to have this complete and even filed a dispute with Nelnet to have them close the accounts. They sent me a statement in the mail that says their accounts are correct and have been transferred when they are not. My credit report is taking a hit because it is reporting that I owe double the amount of student loans when I have only XXXX servicer for them, which is XXXX. I should not have an open account with Nelnet as I have not had them for my loan servicer since XX/XX/2023. This is affecting my daily life as I have tried to apply for other loans and can not be approved because my debt ratio is too high due to the incomplete task that Nelnet is failing to accomplish on my behalf. I filed a dispute on XXXX for all my Nelnet accounts, which came back that the consumer disagrees with my statements. I have paper work stating when XXXX took over and that my accounts with Nelnet were transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal took {$200.00} from a joint account that I share to pay bills. The amount was taken to go towards a Credit Card debt that they previously charged off. They stated they can not return the funds and they still collect on their own debts, and I should've gotten a payment plan. Before the account was closed Navy told me there were no payment plans available. I asked for something in writing that says they can take money from a joint account to satisfy a charged off debt. I didn't receive anything. The money taken has now put me in a hardship, because it was to pay my water and light bill for the month of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked a trip to get married with XXXX XXXX. They offered me a feature to pay 1/2 now with a credit card and the rest would be paid in installments through XXXX. 

The day after we booked the war started in XXXX. We were advised not to go. I cancelled the trip and was issued the full refund. XXXX refunded me with 48 hrs. CHASE is refusing to refund me the deposit taken in the amount of {$3700.00}. We have gone back and forth for three months. Today they were supposed to have issued a refund. CHASE states they were unable to refund me because XXXX has not sent them the appropriate documents. I have spoken to XXXX that tells me the complete opposite. I have XXXX accounts with Chase and have never been so angry. I plan on cancelling them all. No one is helping me with this {$3700.00} charge. I dont know what to do or who to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: MO

Complaint narrative:
I'm a casualty of data fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, 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 2023-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
why am I recieving notices from XXXX XXXX XXXX XXXX, CA which is connected to shellpoint new rez? 

the mortgage arrears were fully paid off months ago. 

i also contacted new rez /shellpoint about paying off the entire mortgage balance. no reply! 

want clarification from shellpoint on why pre foreclosure company is sending mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I been receiving harassing phone calls from Complete Payment Recovery Services , Inc. For a debt that is the result of identity theft. I never applied for or had an account with XXXX XXXX. The account is a fraudulent account and not my account or debt. The phone calls I have received from Complete Payment Recovery Services has been threatening in nature. Representatives from Complete Payment Recovery Services has used obscene, vulgar and vituperative language. They have threatened to have me arrested and thrown in jail and informed they will destroy my life by ruining my credit for life, all for debt and account thats fraudulent, the result of identity theft and not my account or debt. Complete Payment Recovery Services is in complete violation of the Fair Debt Collection Practices Act under Federal law.

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 2023-12-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my credit report and notice account that I did NOT authorize in my credit report and its preventing me from receiving new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2023 I filed a dispute against XXXX and XXXX for hacking into my account. I called Huntington Bank to get a Temporary Hold placed on my account. Until they've figured out what was going on. They placed a temporary hold on my checking account and did an investigation. The investigation stated it was an Error and that the merchant had until XX/XX/2023 to respond to the request against them. The merchant never responded back to request after 45 days. Huntington Bank still haven't replied to release my funds or hold on my account. So at this point they're still holding on to my funds. They have refused to give me any legitimate answer as to why my account is still on hold. I successfully won my claim but Huntington Bank has refused to honor my Successful claim and at this point I will like legal actions filed against Huntington Bank and looked further into this situation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Conduent Incorporated
State: CA

Complaint narrative:
XXXX charged the incorrect account for charges for XXXX XXXX he is not on my account nor authorized, XXXX has contested charges thru this merchant as they falsely misrepresented themselves and he disputed with this company that they took out these charges from the incorrect account as XXXX was never on my account. This company has been disputed by XXXX because they charged him for an XXXX package thru XXXX and then he was charged for a car and hotel fee at destination he already paid for these charges. Go program is aware that XXXX was not on my account when these charges were pulled from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: GA

Complaint narrative:
Albert app out of XXXX XXXX, CA. Signed me up automatically with a savings account I do not appear to have access to and they withdraw nearly daily small increments from my personal checking account. I can not turn this " smart save '' feature off in the app. And reached out to the company via email to request it stop. Several times they have told me it was turned off but the charges continue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have attached documents for your reference. I urge the bureau to begin an investigation into these accounts, as they inaccurately depict me as late.

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 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please refer to the attached documents. I request the bureau to commence an investigation into these accounts, as they erroneously report me as late despite my punctuality.

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 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently contacted Capital One to initiate the process of opening a checking account. To my surprise, I was informed that my Social Security number ( SSN ) was associated with an account not registered under my name. The representative advised me to contact the IRS or credit bureau to address this issue promptly. This revelation has prompted concerns regarding potential identity theft or unauthorized use of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Wednesday XX/XX/23 someone stole from my checking account ending in XXXX {$2200.00} to a XXXX XXXX XXXX XXXX. I called filed a dispute, they promised the account would be placed on hold- saying that no more charges could go through. Then the next day, Im assuming the same thief, stole {$730.00} and {$6.00}. I called that day they said it wouldnt actually go through cause the account was on hold. Today it went through. I called again, filed another dispute, and the representative in disputes department said they couldnt actually stop further transactions so she sent me to the checking department where they informed me that it would cost me {$33.00} to stop transactions and place a hold that will stop the thief from stealing my money. This is beyond reprehensible to me that Id pay for someone to stop stealing my money. Do your job, stop all future charges to this account until I can close it after switching my direct deposit from my employer to a different non compromised account. Absurd you guys are making me call in every day for a new dispute. Do your job, protect my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Transunion to reinvestigate the bankruptcy they are reporting .However, they stated everything was verified and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information. I have also attached the letter from transunion stating they verified the bankruptcy with the court ( which they are lying and breaking the law ) 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.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to initiate an investigation into these accounts where I am never late, yet they're reporting me as late.

Company response to consumer: Closed with non-monetary relief