vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 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: MI

Complaint narrative:
In XXXX with the Fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have a 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. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open end as late for any purpose.

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 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENOVA INTERNATIONAL, INC.
State: NE

Complaint narrative:
I did NOT apply for anything with NetCredit and may last name has not been XXXX since 2010. 

My identify was stolen and this is yet another attempt to falsely obtain credit using stolen information, Why didn't the company notice the FRAUD ALERT on my locked credit file>

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: IL

Complaint narrative:
Recently I did and investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting act ( XXXX ) Account # XXXX, has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Consumers have certain rights and protections under the FCRA to ensure that their credit reports are accurate and that their personal information is used appropriately. As well as the procedures for disputing and correcting errors on your credit report.

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 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, I cancelled a flight through Chase XXXX XXXX on XXXX XX/XX/2023. My ticket is fully refundable, and also cancelled within 24 hours of booking. But I haven't received the refund yet. I booked the flight through Chase XXXX XXXX. Cancellation was done by calling Chase agent. I received email saying that I will get full refund of {$640.00} within 5 days. But I haven't received the refund yet. I talked to Chase agent once, and they said to wait until 1st billing cycle. I called up Chase again after the 1st billing cycle, and now they told me wait until the 2nd billing cycle. It would be great if you can help to resolve the issue, and get me full refund from Chase. I am not sure if Chase is really trying to resolve this issue. 

I am attaching the Original Ticket and also the confirmation for cancellation and refund. Here are the trip details for your reference : Trip ID : XXXX XXXX to XXXX on XXXX XX/XX/2023 Number of passengers : 2 Ticket price : {$640.00} Thanks in advance. 

Regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 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: MI

Complaint narrative:
XXXX XXXX bankruptcy in accordance with the Fair Credit Reporting act XXXX Account # 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 instructions XXXX XXXX bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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:
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 the XXXX, XXXX, and Equifax to reinvestigate these accounts 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. 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 suppose to modify accounts that isn't reporting correctly. 

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 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 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 information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: MI

Complaint narrative:
XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 instructions captial one I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Sir/Madam, Commencing what appeared to be a routine financial transaction, a Wells Fargo online wire transfer was initiated just before XXXX XXXX. on XX/XX/2023, for a same-day transfer with a {$25.00} fee to a XXXX XXXX XXXX XXXX XXXX XXXX account, intended for my husband. However, this experience quickly turned distressing due to the untimely non-completion of the transfer. The repercussions of this failure have been significant, leading to a core financial loss of {$25000.00}, along with incurred additional interest charges to bridge the financial gap. It is essential that the money is promptly returned, and the financial damage resulting from the interests incurred to bridge the gap is addressed. Despite my diligent efforts to reconfirm the bank account and routing details multiple times, the issue remains unresolved, leaving me frustrated with no clear path to resolution. In light of these circumstances, I am actively pursuing a firm, expedited claim for damages due to the transfer 's failure and urgently seeking the return of the core funds

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 2023-10-17 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: AR

Complaint narrative:
On XX/XX/2023, My bank account information with XXXX XXXX XXXX XXXX was hacked and someone was able to take out a fraudulent loan in my name. XXXX XXXX XXXX XXXX is aware that it was a fraud loan, but continue to punish me by stating that I am responsible for the fraudulent loan amount and that it will continue to negatively affect my credit score if it is not paid. I have called numerous times, and spoke to the manager of the loan department. No one was helpful, no one took me seriously and there was no help whatsoever offered. The person was even identified using an IP address that Ive never used before in a different state. They have no account security or recovery policies in place to help their customers who are victims of fraud because of their negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: AR

Complaint narrative:
On XX/XX/2023, My bank account information with XXXX XXXX XXXX XXXX was hacked and someone was able to take out a fraudulent loan in my name. XXXX XXXX XXXX XXXX is aware that it was a fraud loan, but continue to punish me by stating that I am responsible for the fraudulent loan amount and that it will continue to negatively affect my credit score if it is not paid. I have called numerous times, and spoke to the manager of the loan department. No one was helpful, no one took me seriously and there was no help whatsoever offered. The person was even identified using an IP address that Ive never used before in a different state. They have no account security or recovery policies in place to help their customers who are victims of fraud because of their negligence.

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 2023-10-17 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: FL

Complaint narrative:
Some time ago, I applied for and was approved for a line of credit with NetCredit, with the expectation that it would function as a genuine line of credit and not as a cash advance. However, in recent months, I have come to realize that my " line of credit '' is operating more like a cash advance, which was not what I was originally promised. 

Since I began using this supposed line of credit, a total of {$1000.00} has been debited from my account, and I have been making bi-weekly payments for the past six months. Despite these payments, I am shocked to discover that I have a balance of {$650.00} in hidden charges. Additionally, the principal amount I owe remains nearly the same as the initial loan, amounting to {$750.00}. 

The advertising that initially attracted me to NetCredit promised a true line of credit with clear and transparent terms. However, the reality has been entirely different. I feel deceived by this situation, and it is unfair that a significant portion of my payments is being credited to hidden charges, while the principal is barely decreasing. 

I demand that this situation be clarified immediately, and the necessary corrections be made to my account. I want my payments to be properly applied to the borrowed capital, and for the structure of charges associated with my line of credit to be clearly and accurately disclosed. 

I expect prompt action to address this concern and resolve this issue fairly and equitably. I appreciate your immediate attention to this matter and look forward to your response to rectify this misunderstanding satisfactorily. 
Also, in Florida the maximum APR for loans in30 %, they are too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: IL

Complaint narrative:
Recently I did and investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting act ( XXXX ) Account # XXXX, has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Consumers have certain rights and protections under the FCRA to ensure that their credit reports are accurate and that their personal information is used appropriately. As well as the procedures for disputing and correcting errors on your credit report.

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 2023-10-17 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: IL

Complaint narrative:
Recently I did and investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting act ( XXXX ) Account # XXXX, has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Consumers have certain rights and protections under the FCRA to ensure that their credit reports are accurate and that their personal information is used appropriately. As well as the procedures for disputing and correcting errors on your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
Approx XX/XX/XXXX, I received emails with denials for an application of credit for a vehicle or refinancing a vehicle. One after another they kept coming. I had not applied for credit, so this throw a red flag. Then I start receiving letters for the denial seeing my credit score falls below XXXX based on these inquiries and denials. So, I called Exeter first, they told me they had an credit application for financing or refinancing, whoever they informed me that they received my information from XXXX XXXX XXXX, not knowing why when I have never given them either permission to nor have I applied for anything dealing with a vehicle or refinancing. Both companies pushed the blame on each other and then finally said they received the information from XXXXXXXX XXXX, which I never gave them either permission or authorization to run or share my credit information and adverse effect my credit score. XXXX XXXX was not willing to provide me any information on how they received my approval to run my credit and why it was shared with Exeter, XXXX XXXX XXXX XXXX XXXX without my knowledge. I spoke with a Rep at XXXX XXXX who was passing on my request or email with the application of this alleged credit application, she said her supervisor 's name was XXXX was going to be the one to provide a email with that requested proof of an application as of XX/XX/XXXX XXXX I still have not received anything from XXXX XXXX Exeter XXXX XXXX XXXX XXXX XXXX XXXX XXXX giving them approval to access my credit file. They all seem to point to finger at XXXX XXXX who I never gave permission to access my personal information and if so please provide that proof, this is a pure sign of fraud and I would like ALL credit inquiries from each of the companies that illegally obtain my credit information to be REMOVED from ALL three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: OpenRoad Lending
State: TX

Complaint narrative:
Approx XX/XX/XXXX, I received emails with denials for an application of credit for a vehicle or refinancing a vehicle. One after another they kept coming. I had not applied for credit, so this throw a red flag. Then I start receiving letters for the denial seeing my credit score falls below XXXX based on these inquiries and denials. So, I called XXXX first, they told me they had an credit application for financing or refinancing, whoever they informed me that they received my information from Open Road Lending, not knowing why when I have never given them either permission to nor have I applied for anything dealing with a vehicle or refinancing. Both companies pushed the blame on each other and then finally said they received the information from XXXXXXXX XXXX, which I never gave them either permission or authorization to run or share my credit information and adverse effect my credit score. XXXX XXXX was not willing to provide me any information on how they received my approval to run my credit and why it was shared with XXXX, Open Lending, XXXX XXXX XXXX  without my knowledge. I spoke with a Rep at XXXX XXXX, who was passing on my request or email with the application of this alleged credit application, she said her supervisor 's name was XXXX was going to be the one to provide a email with that requested proof of an application as of XX/XX/XXXX XXXX I still have not received anything from XXXX XXXX XXXX XXXX Open Road Lending or XXXX XXXX giving them approval to access my credit file. They all seem to point to finger at XXXX XXXX who I never gave permission to access my personal information and if so please provide that proof, this is a pure sign of fraud and I would like ALL credit inquiries from each of the companies that illegally obtain my credit information to be REMOVED from ALL three credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I looked at my Credit Report and it has the wrong dates on my credit report. I would like to have this account deleted from my report.

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