vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 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: Self Financial Inc.
State: IL

Complaint narrative:
I received several alerts this morning regarding my credit report. I have a significant decrease in my score... XXXX points decrease ... .why??? The ONLY change was XXXX adding an account to my report.. I NEVER ONCE asked XXXX to add another account or card and then to my report another card! In fact when I saw this upon logging in the XXXX I contacted support right away. I have my emails. I want my account fixed ASAP. I am in the process of underwriting. This is not at all acceptable. Companies should not get by doing this, charging me to help my score and as the attached proves it's actually hurting my score. I expect this to be fixed it ASAP. I don't want one of their emails with it's only temporary or not to pay attention to XXXX XXXX etc ... Because that's what I get back from customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
i sent in debt validation on an account that was not honored and claims that i refused to comply ... they closed the account and still reporting the the credit agency this goes against my rights as a consumer..they are reporting without my permission i was not giving the option to opt out of of this there is no law to report my info to the credit agency or giving disclosure for my personal information to theses companies and XXXX XXXX XXXX all had security breach of personal information. I would like for this to be taken off my report or i will start seeking legal action. 

15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy 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.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I filed a claim with Navy federal fir unauthorized charges on my account around XXXX XXXX XXXX weeks later XXXXXXXX XXXX my account was adjusted and all were refilled to my account. There were around XXXX unauthorized charges on my account and I dont believe Na y federal did a fair or proper investigation into the fraud charges. I never received any type of call or notice from a investigator or anyone they just reviled my account for all charges and did not properly investigate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: MO

Complaint narrative:
i sent in debt validation on an account that was not honored and claims that i refused to comply ... they closed the account and still reporting the the credit agency this goes against my rights as a consumer..they are reporting without my permission i was not giving the option to opt out of of this there is no law to report my info to the credit agency or giving disclosure for my personal information to theses companies and XXXX transunion, XXXX all had security breach of personal information. I would like for this to be taken off my report or i will start seeking legal action. 

15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy 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.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

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 2023-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I went into the XXXX XXXX dealership in XXXX md and picked out a personal car. I told the sales man ( XXXX ) that I want to do consumer credit transaction for this vehicle. so I submitted a purchase order bearing my autograph, name birthdate and social security number, which shows I am of legal age to enter into a contract, and gives equity in contracts and agreements. the definition of equal is defined in law. the ecoa prevents companies from discrimination. the finance guy came out to talk to me about my income. I told him that I have revenue, to which he stated do you have any proof of money? I thought it was weird. he went into his office and was communicating with some people, and came out and said they asked two banks Bank of America and ally banks. neither Bank of America XXXX XXXX XXXX sent me an adverse letter I the mail. which is a violation in itself.

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 2023-11-06 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of 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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACATIONS DONE BY ME.

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 2023-11-06 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: NV

Complaint narrative:
I do not recognize these credit inquiries on my credit report and I ask for them to be removed and the credit bureaus did not do as I ask 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

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 2023-11-06 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: EdFinancial Services
State: VA

Complaint narrative:
I have attempted to enroll in auto-pay multiple times via EdFinancial 's online portal and received emails from EdFinancial confirming this ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 ), but my loans are still not enrolled in auto-pay. 

In an attempt to resolve this, on XX/XX/2023 I submitted a contact form on EdFinancial 's website ( XXXX XXXX XXXX  ) and emailed them at XXXX. 

In my message, I explained that I wanted auto-pay enabled, but was running into issues using the online portal. I specified the loans, the amount I want to auto-pay for each loan, and the last 4 digits of the bank account I have on file that I'd like auto-pay to draw from. In my request, I asked them to confirm receipt of my message, as well as confirm when my loans have successfully been enrolled in auto-pay and I am receiving the 0.25 % discount on my loan interest. 

Additionally, I asked stated that if I did not hear from them in 10 business days that I would file a complaint with the CFPB. 

Those 10 business days have passed and I am submitting this complaint for CFPB review. 

I did receive an email from EdFinancial on XX/XX/2023, but that was in response to a different message I sent on XX/XX/2023, to which I followed up to that message with all the information I provided in my message sent on XX/XX/2023, but have not heard back from that reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates a consumer reporting agency can not furnish an account without my written instructions, under 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 any purpose.

*************************************************************************************************** In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates a consumer reporting agency can not furnish an account without my written instructions, under 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 any purpose. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
I can not get ahold of a Mohela representative. There is no way to submit a complaint except by calling. I have called 5 times with hold times over 1 hour every time and unable to reach a representative. I have a job to maintain and can not keep this up. I am calling MOHELA to complain about the 90 day turn around time for the SAVE plan. Initially after applying I was given the timeline of 30 days for review. Three weeks later I received a notice of a turn around time of 90 days. I am being cheated out of Biden 's new SAVE Plan benefits meanwhile Mohela is reaping the benefits and I am forced to pay more than I should have. This is incredibly disorganized and chaotic. In the meantime, my interest is accruing and have already accrued over {$2000.00} since my application was submitted. Mohela is committing a crime. This means it will likely accrue to {$6000.00} of interest by the time Mohela gets around to processing my application, and that is {$6000.00} more that I should not have had to pay under Biden 's new plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
All the items in question are on my XXXX Report. They have already been taken off of my XXXX Report. The following companies have run my credit, and I do not have any business with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Navy FCU - Hard Inquiry on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Navy FCU - XXXX XXXX on my XXXX report - XXXX XXXX, XXXX XXXX. XXXX XXXX - XXXX XXXX on my XXXX report - XXXX. XXXX, XXXX XXXX. XXXX - XXXX XXXX on my XXXX report - XXXX. XXXX, XXXX XXXX. XXXX  XXXX XXXX - XXXX XXXX on my XXXX report - XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX - XXXX XXXX on my XXXX report - XX/XX/XXXX XXXX. Navy FCU - XXXX XXXX on my XXXX report - XX/XX/XXXX XXXX. XXXX XXXX - Hard Inquiry on my XXXX report- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-06 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: OneMain Finance Corporation
State: TX

Complaint narrative:
All the items in question are on my XXXX Report. They have already been taken off of my XXXX Report. The following companies have run my credit, and I do not have any business with them : 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. OneMain Financial - Hard Inquiry on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
So I had a fraudulent charge on my cash app debit card I filed a dispute the next day per there policy I should have gotten provisional credit but I still have even though the merchant has sent me an. Email stating they have already sent the money back so there shouldn't be an issue with me getting provisional credit I've called cash app numerous times an keep getting blown off given lies as answers it's insane I can't even speak with a supervisor! An there so rude it's unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: January Technologies, Inc
State: FL

Complaint narrative:
Collection agency using broadcast email to fish for whomever it is that owes this debt. They are giving out personal information to the public which should be illegal. Either that, or this is some form of phishing scheme. Either way, it's illegal. 

Email Text : ===================================================== XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This is January reaching out again about your overdue balance of {$250.00} for the account ending in XXXX. As a reminder, we've been hired to collect on your XXXX XXXX XXXX XXXX balance. This account was originated by XXXX XXXX and the current creditor is XXXX XXXX, XXXX. 

Paying back your entire balance might feel impossible. We understand that XXXX, inflation, or a loss of income may be affecting you. If you're experiencing financial hardship, you can apply for a settlement and ask to reduce your balance.

Request Settlement Check Our FAQs All you have to do is complete a 5 minute survey describing your finances. 

We'll never charge you a fee for using our payment portal. 
Complete the process online via our secure portal. 
Over 75 % of consumers who apply qualify for a balance reduction. 
Have questions? Reply to this email and we'll respond as soon as we can. Or call us at ( XXXX ) XXXX. 

XXXX is an accredited and A rated business with the XXXX XXXX XXXX  ( XXXX  ). It is also a certified member of the XXXX and XXXX. 

Best, XXXX at January XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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