vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Someone applied for a loan in my name with navy federal credit union and thn they called me imitating as if they were a navy federal worker and had me transfer the money to a account they added to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
I didn't begin these requests, and I have no alliance with these XXXX XXXX Kindly remove them from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation
State: LA

Complaint narrative:
Contacted for a debt that is not mine or that of a family member, identifying information of the revealed by debt collector about the intended target/debt which is against the law. 

XXXX  message received to my personal cell phone on Friday XX/XX/2024 @ XXXX XXXX : Penn Credit Corporation, a debt collector. Please contact our office at XXXX regarding an important business matter. To opt out reply stop. 

Text message received XXXX  XX/XX/2024 @ XXXX : Penn Credit Corp is a debt collector : ( Name Redacted ) you can make your XXXX XXXX payment online. Tap XXXX XXXX XXXXXXXX XXXX # XXXX & zip code, or XXXX opt out reply stop. 

Opt out reply sent XX/XX/2024 @ XXXX. 

I am not a family member or spouse of the intended recipient, nor have I ever been. In the text messages Penn Credit Corp not only identified the name of the debtor but the company they were collecting debt for and provided me with a link to which I was able to open and view the name of the debtor, the company who the debt was with, the amount of the debt and the date the debt occurred. 

Per my research : They have to identify themselves as debt collectors and they cant reveal your debts to any third party except your spouse or attorney. 
I have no affiliation with the person who holds this debt but, I am concerned with Penn 's tactics of illegally providing debt information to strangers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$570.00} XXXX XXXX {$480.00} XXXX XXXX  XXXX {$360.00} XXXX XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$570.00} XXXX  XXXX {$480.00} XXXX XXXX  XXXX {$360.00} XXXX XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am a Venture X card holder with a {$390.00} annual fee. I pay this fee and prioritize this card for purchases ( over using cash or debit ) because of the rewards and transfer bonuses with partners that are offered. I have transferred miles many times. I have been offered no recourse to my issue below in accessing my miles that have accrued and have never been late on a payment to them, but they will not help with my rightfully acquired miles. 

I have been trying to transfer my XXXX XXXX to take advantage of a transfer bonus with XXXX XXXX for an additional 30 %. I have found a specific deal with one business class leg for 3 people for my dates of XXXXXXXX XXXX XXXX from Washington to XXXXXXXX XXXX XXXX for approx XXXX miles. I am unable to book it due to an issue with capital one that have no workaround for and have had references to in forums dating back to XXXX XXXX XXXX 

After multiple calls, they have no answer for me other than to wait and see if it fixes itself and refuses to move the miles for me after proper identification. Surely there is some protection that I have spent a lot of money on this credit card with the expectation that I can use the points I have accrued. That was in my terms of the card. 

I will now most likely miss out on this business class deal and possibly the bonus transfer if this isnt sorted. There is no path forward capital one has given me after many calls. 

I would like capital one to arrange for reimbursement in miles for the miss of being able to access my own accrued miles or figure out a business class booking for me to remedy. I would also like immediate access to my miles. 

I will be held accountable for my terms but who will remedy the situation for me on the capital one side for this opportunity that has been lost. 
Here is a forum with many people reporting the same https : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT THOSE ACCOUNTS LISTED BELOW AREN'T MINE. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a checking account with Bank of America in XXXX and the bank issued me XXXX credit cards for the same account. On XX/XX/XXXX, these credit cards went missing, and they were reported stolen on XX/XX/XXXX. The individuals who stole them changed my log-in info., mailing address, phone number and e-mail. I then proceded to file a fruad claim. On XX/XX/XXXX, I called BofA to see if I could cancel my checking account, and I noticed there was a balance of {$1000.00}. I called the XXXX Department because there was a {$100.00} past due. I re-opened the claim of fraud. On XX/XX/XXXX at XXXX because I found the credit cards that were issued to me in my truck, and they were never activated. On XX/XX/XXXX, I called BofA and they said the claim can take up to 45 days to and they told me to call them after XX/XX/XXXX. I wanted to check how my claim was going, so I tried longging in on line, but my information was changed again. I called BofA, and was told to go to a branch to get this fixed, so I went to the location on XXXX XXXX in XXXX, CA. There, I talked to XXXX and she told me to call the XXXX Department again. I could have called from home. Nothing got done -- the scamers kept on changing my personal info. in seconds, and I was still at the bank. I'm thinking it's someone that works for BofA... I told the branch XXXX there to cancel my cards, but they were never canceled. On XX/XX/XXXX, I reopened the case. On XX/XX/XXXX, I called the BofA at XXXX to find out what was happening with the fraud claim filed on XX/XX/XXXX. There was no update because, according to them, there wasn't sufficien information.

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 monetary relief
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
I'm a victim of identity theft I uploaded all supporting documents below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
I am not associated with these creditors, nor did I start the investigation. Kindly immediately have them removed from my 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this is a formal complaint against experian, the XXXX account charged me for a services i never received, ,a monthly payment with experian that i had canceled, and when i went to pay it, XXXX told me that they were going to removed it from my credit report, something they never did

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
There are erroneous hard inquiries from these companies on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for these and I called XXXX and Equifax on XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
JPMORGAN CHASE XXXX received my tendered bond, I endorsed to CHASE, for {$5000.00}, and CHASE did not credit my account. Instead, they have been calling me for " payment '' and have not returned my bond. I know this remittance coupon is an interest payment to the investor. I am the XXXX XXXX XXXX of age majority and I have revoked my POA with CHASE. I can also point out every detail of fraud on the dealership contract ( XXXX ) between XXXX and CHASE. Instead of going through the trouble of a certified forensic audit and displaying all the fraud in front of me ( if you don't think I know, try me ), I have GENEROUSLY endorsed MY remittance coupon with the bond in the name of CHASE - even though CHASE has already been paid with my signature! I have been generous and patient while becoming more informed of the accounting principles of XXXX. I'm growing very impatient with banking securitization fraud and misappropriation of funds. I was loaned credit; was I not? Credit does not equate to funding. 

" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - The court in this case emphasized that a credit transaction encompasses the agreement between a lender and a borrower to provide and repay credit, respectively, without requiring the actual transfer of cash or funds at the time of transaction. '' " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - This case highlights the distinction between a credit transaction and a cash transaction, emphasizing that while cash transactions involve the immediate exchange of funds, credit transactions entail the extension of credit by a lender to a borrower, creating a debtor-creditor relationship without the necessity of physical fund transfer. '' You failed to inform me you weren't giving me physical funds but you told me I owe you XXXX, ' that you'll only accept legal tender - interesting. 

The cash transaction and the credit transaction do not equate to the same, they have different functions ; my promissory notes are exchanges for 'money ', and yet the only source of funding, according to XXXX, is credit. You're demanding payment ; however, I will not agree to repay the extension of credit in cash. This is a letter of challenge to the debt ( with interrogatories ) and a COURTESY of my invaluable time for which I will be issuing a fee schedule. I expect immediate credit to my account from MY endorsed bond. There will be no further illegal trustee " kickbacks '' in my CHASE account as I do not consent to raising the national debt ceiling. 

Sincerely XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I notified American Express of my situation with the merchant XXXX  regarding an order I made for XXXX on XX/XX/XXXX I attempted to reach out to the seller upon receiving the wrong items which I will provide receipt and actual items I received were provided to amex they were glasses and a backpack I had not ordered which is insane how they mixed that up. I contacted American Express to handle this issue for me as I feared of being left with nothing after 60 days of my order being placed which is outside of the chargeback rule. Amex originally sided with me which was the logical case as XXXX made no attempts to communicate with me or try to mediate and for some reason reversed the decision? I am baffled as to why as according to the law they cant make me pay for something I didnt order or return the merchandise they sent ( which I was as Im acting in good faith ) I explained to them that I will gladly return the items so long as Im not responsible for shipping and duties as American Express said the company requested me to. I reached however and they told me it was outside of their return window? So Im just left with nothing? Thats not how the law works and American Express isnt acknowledging that. They were supposed to take care of this for me which is why I involved them in the dispute as the merchant never reached out. I had to reach out because American Express told me they told me to return them and nothing. They provided their return policy which doesnt apply to me because they didnt respond to me within that timeframe?!? So I got Amex involved to provide me help and they sided with them? Theres countless other horror stories on their reviews as well. Please help this is a lot of money to me I got an American Express card because of the reviews of how they help their customers and Im over here out of XXXX because of the merchants fault hopefully this can cause them to reverse their decision and act according to the law. They clearly acknowledged Im in the right but their hands are tied? Im including the letter. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a Carnival XXXX Card with Barclay. We have used this credit card on multiple accounts to take cruises and we use this card during our cruise for purchases. Barclay decided to lower my credit limit, even though we pay on time every month, never have missed a payment and continue to have exceptional credit with this company. Creditors do not understand that these decisions cause huge credit issues for the holder of such accounts. My credit limit needs restored to the limit that I was granted, and these companies need to be held accountable for their actions. If they have the right to lower credit limits and/or close accounts without any notice to the consumer, than these actions should have NO impact to the individuals credit worthiness. It is XXXX  and a violation of my constitutional rights. I work hard to pay my bills and I do not need negative impacts to my credit because these companies think it is in their best interest to punish the consumer for using the credit cards that they issued. Credit scores fluctuate all the time, and this should not be any factor in the decisions that these companies are using because our credit system in this country is in dire need of restructuring. It's amazing how they can just do whatever they want at any time with no impacts to them, but the consumers who make the money for them to keep them in business take all the downfalls. This particular credit card was just paid down enough to allow some breathing room and they take everything I paid and now my credit usage is maxed out again. Go Figure! It's wrong and this is an injustice that needs dealt with by an agency that can make a difference in the way these companies treat the American consumer.

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