vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Ref : XXXX Dear American Express XXXX I, XXXX XXXX XXXX the consumer and natural person, was denied credit by American Express when I applied for a Blue Cash Preferred from American Express credit card. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

American Express is subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Express due to the response I received.

American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m AND 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stein Law, P.C.
State: NV

Complaint narrative:
Someone obtained a loan from XXXX ( XXXX XXXX XXXX  ) and purchased a XXXX on XXXX I did not open this loan. This company XXXX can give out loans without credit check. Because this debt was not paid, XXXX send this to a law firm Mountain Peak Law Group ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to collect this debt. I got the loan document and it is not my signature, not my cell number, and not my email on the loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO BANK N.A., Account # : XXXX Open Date : XX/XX/2017 Close Date : XXXX closed and reported under my name on XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hey Im writing this complaint because consumer reporting agencies have failed to remove dismissed bankruptcy from my credit report after its been remove from ( 1 ) bureau due to inaccuracies. I am aware this is a violation to my consumer rights & should be handled accordingly.

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 2023-11-28 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: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

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 : VANCE & HUFFMAN LLC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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 2023-11-28 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: TN

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-11-28 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: TX

Complaint narrative:
The Date of Last Activity is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
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 2023-11-28 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: TN

Complaint narrative:
I respectfully ask that you rectify my credit report by removing the public record currently shown. For your reference, I've attached the required documents. I appreciate your prompt 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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth Third Bank XXXX account number XXXX Opened XX/XX/2020 Closed Date XX/XX/2020 Account closed and reported under my name on XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX, I initiated a payment from my XXXX checking account to pay my Chase credit card. I had recently made a large purchase on my XXXX account, and had received a call to confirm I made the charge. Despite calling back within 10 minutes and leaving a message providing such confirmation, XXXX temporarily froze my account. 

As a result, the payment was declined and Chase unlinked my XXXX account as a payment source. Chase will not relink the account without a verification of deposit letter on XXXX letterhead. XXXX will not issue a letter, and will only complete a form provided by Chase. Chase will not issue a form. I've spent numerous hours on the phone with each/both institutions, in chats, and on social media and neither will assist. As a result, I need to make multiple transfers to other accounts just to pay my monthly statement... I'm told my only options are to pay by phone, mail or another account, which seems RIDICULOUS - particularly since Chase lets me use the XXXX account to pay XXXX other cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: DC

Complaint narrative:
I have only federal student loans from XXXX and XXXX XXXX  I have been enrolled in PSLF since XXXX. In XX/XX/XXXX I consolidated all of my loans to take advantage of the IDR one time account adjustment. I then applied for the SAVE repayment plan on XX/XX/XXXX. Student loans website said that application was completed on XX/XX/XXXX, it said I would owe {XXXX} a month. In XXXX and XXXX, I like many other millions of people was put on administrative forbearance. As per 34 CFR 685.219 ( c ) ( 2 ) ( v ) ( H ), periods of administrative forbearance should be counted towards PSLF when you are at a qualifying employer, which I am. The forbearance is set to end on XX/XX/XXXX. On XX/XX/XXXX, I log into my Mohela account and find that my bill is actually {XXXX}, which is MORE than {XXXX} if i can do the basic math. I also found out that i was not on the SAVE plan, but on the LEVEL plan. Which not only doesn't count towards PSLF but is XXXX higher than what the payment should have been. I called MOHELA on XXXX XXXX, XXXX, and while they said they could elevate the payment count issue with the administrative forbearance, they could not help me with the SAVE plan and i needed to call student aid. So i called student aid. They told me that their records show the information about my SAVE application was sent to MOHELA on XX/XX/XXXX. They recommended that I resubmit the SAVE application, which i did. They also contacted MOHELA to get this sorted and then told me to file a complaint on their website. I am filing a complaint here because MOHELA is a loan servicer and both MOHELA and student aid, have no clue what is going on, and it puts my livelihood and the livelihood of millions of people in jeopardy. CFPB, congress, and the public needs to understand what is going on, because its not getting resolved any time soon and the government is continuing to co-sign loans for 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 2023-11-28 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: FL

Complaint narrative:
Hey XXXX writing this complaint because consumer reporting agencies have failed to remove dismissed bankruptcy from my credit report after its been remove from ( XXXX ) bureau due to inaccuracies. I am aware this is a violation to my consumer rights & should be handled accordingly.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: AZ

Complaint narrative:
No they were not properly denied and your team there at XXXX XXXX is horrible under regulation XXXX you can not do this I did not receive my service for these purchases and the company is not making it right so therefore as the card that I used to do it you have you under regulation you have to do something about it the company that I made the purchases to did not provide me the service actually they ripped me off for all of my money over {XXXX} which is under the law something that you guys have to help me with you can't just say no like I said in the original text I know that they passed purchased and everything else I made the purchases but then the company did never gave me the stuff and then they took all of my money oh my god dude you guys are ridiculous man under the law I didn't receive my service and you have to do something about it you have to allow me to dispute these charges you can not just say you have to contact the company no this is a debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-28 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:
On XX/XX/XXXX I sent a letter via certified mail and going regarding some discrepancies and inaccurate information on my consumer report! I requested that they break down and prove the accuracy of these reported items. Under XXXXXXXX XXXX XXXX I have a right to a full investigation on these items and they haven't validated no debt! I haven't received any correspondence from the agency except a stalling letter from TransUnion asking if it was really me who sent the letter.

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 2023-11-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter via certified mail and going regarding some discrepancies and inaccurate information on my consumer report! I requested that they break down and prove the accuracy of these reported items. Under XXXX XXXX XXXX I have a right to a full investigation on these items and they haven't validated no debt! I haven't received any correspondence from the agency except a stalling letter from XXXX asking if it was really me who sent the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
My data was breached and they refuse to remove these negative items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TN

Complaint narrative:
I respectfully ask that you rectify my credit report by removing the public record currently shown. For your reference, I've attached the required documents. I appreciate your prompt 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 2023-11-28 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: IL

Complaint narrative:
I was on a forbearance plan from XX/XX/2023 to XX/XX/2023. I exited the plan around end of XX/XX/2023 and offered a repayment plan. The lender has reported to credit bureau that I was late and/missed payment for XXXX when I was forbearance plan. The purpose of the forbearance plan is to protect customer from being delinquent on the account due to XXXX related hardship. The company still refuses to correct the credit report even though I was on the forbearance plan and completed my repayment plan on time. The Veteran Affairs published that During the XXXX national emergency, taking advantage of forbearance options should not be considered delinquent for the purposes of credit report. You should also not have to worry about being charged additional costs for the XXXX forbearance. For example, a mortgage company can not charge you a late fee as a result of granting you a XXXX forbearance. Also, Under the federal XXXX XXXX, if you are receiving an accommodation on your mortgage, such as a forbearance or a repayment plan, and you were not delinquent on your mortgage before XXXX, your servicer must report your loan as current even if you are not making payments. During the period covered by the XXXX XXXX, your mortgage servicer is required to report your account as current if your account was current at the time of the forbearance and if you meet the terms of your mortgage relief ; or if your account was delinquent before the XXXX emergency, to report the same delinquent status.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was on a forbearance plan from XX/XX/2023 to XX/XX/2023. I exited the plan around end of XX/XX/2023 and offered a repayment plan. The lender has reported to credit bureau that I was late and/missed payment for XXXX when I was forbearance plan. The purpose of the forbearance plan is to protect customer from being delinquent on the account due to XXXX related hardship. The company still refuses to correct the credit report even though I was on the forbearance plan and completed my repayment plan on time. The Veteran Affairs published that During the XXXX national emergency, taking advantage of forbearance options should not be considered delinquent for the purposes of credit report. You should also not have to worry about being charged additional costs for the XXXX forbearance. For example, a mortgage company can not charge you a late fee as a result of granting you a XXXX forbearance. Also, Under the federal XXXX XXXX, if you are receiving an accommodation on your mortgage, such as a forbearance or a repayment plan, and you were not delinquent on your mortgage before XXXX, your servicer must report your loan as current even if you are not making payments. During the period covered by the XXXX XXXX, your mortgage servicer is required to report your account as current if your account was current at the time of the forbearance and if you meet the terms of your mortgage relief ; or if your account was delinquent before the XXXX emergency, to report the same delinquent status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The outstanding balance on the card was paid on XX/XX/2023. On XX/XX/2023, almost XXXX XXXX later, the payment reversed and {XXXX} was re-applied to the outstanding balance owed. This account is now reporting that I am XXXX XXXX over the credit limit. 

This has caused a huge negative impact on my financial well-being, caused an unreasonable increase in fees and finance charges and is a defamation of my character overall. 

As defined in XXXX XXXX XXXX XXXX and XXXX, there is abundant evidence of the use of deceptive and/or unfair debt collection practices. There has been use of false, deceptive, or misleading representation/means in connection with the collection of this debt.

Company response to consumer: Closed with explanation