vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 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: PA

Complaint narrative:
Demand for Compliance with 15 U.S. Code 6802, 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), and Account Removal Request Dear Equifax, XXXX, and XXXX Customer Relations Frauds department, I hope this letter finds you well. I am writing to bring to your attention certain legal provisions under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S. Code 6802, which outlines obligations concerning the disclosure of nonpublic personal information. In conjunction with this, I have attached a relevant Federal Trade Commission ( FTC ) report for your reference.

According to 15 U.S. Code 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless certain conditions are met. These conditions include providing clear and conspicuous disclosure to the consumer, offering the consumer an opportunity to opt out of such disclosure, and explaining how the consumer can exercise the opt-out option.

Furthermore, regulations such as 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), along with 1016.7 and 162.6, detail the form and methods of opt-out notices to consumers, emphasizing the consumer 's right to opt out of the disclosure of their information to nonaffiliated third parties. Additionally, 1022.24 stipulates that covered affiliates must provide consumers with a reasonable opportunity to opt out when using eligibility information for solicitation purposes.

As per the Credit CARD Act of 2009, consumers have the right to opt out of interest rate increases, fee increases, and other significant changes in terms, as outlined in 15 U.S. Code 6805. 

I would also like to request the removal of the following accounts from my credit report : XXXX. XXXX XXXX XXXX- {$710.00} - Account Number : XXXX XXXX. XXXX XXXX XXXX- {$120.00} XXXX. XXXX XXXX - {$1700.00} - Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX {$660.00} I demand that Equifax, XXXX, and XXXX promptly investigate and remove these accounts from my credit report, as they are not legally and lawfully supposed to be reported. Please provide confirmation of the removal and an updated copy of my credit report reflecting these changes. 

Please acknowledge receipt of this letter and provide a written response within 4 BUSINESS DAYS outlining the steps your agencies are taking to ensure compliance with the specified legal provisions and the removal of the mentioned accounts.

Failure to address and rectify any non-compliance issues or the removal of inaccurate accounts may result in further action, including reporting the matter to the appropriate regulatory authorities. 

Thank you for your prompt attention to this matter. I look forward to receiving your response. 

Sincerely, XXXX XXXX Without recourse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: CA

Complaint narrative:
I am a XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX who who earned XXXX reward miles with a Capital One credit card. This was equivalent to a dollar value of {$470.00} for travel purchases. Capital one advertises on its webpage that the miles never expire as long as you do not Close your account and keep it in good standing. Capital One does not indicate what it means by good standing. I live half the year in California and half the year in Vermont. Mail is forwarded between the two states. I just discovered that Capital One closed my account because of lack of activity with the card. I spoke to two members of the customer Solutions team at capital one who said they sent a letter to me in XXXX indicating there was A lack of activity on the account. That letter was sent to California at a time we were in Vermont. We never received the letter. Had we received it we certainly would have made a purchase with the card or redeemed our miles for an airline ticket to keep the account active. Capital one said this was the only Notification that was sent ; there was no other letter, email, or phone call. When I requested that the miles be reinstated, I was told I had no recourse and the miles were permanently forfeited. Both agents said an appeal or escalation was not possible. I would like a replacement of the miles or the equivalent in cash. My account Number was XXXX the expiration date was XX/XX/26 and the security code was XXXX. My name on the card was XXXX XXXX XXXX. Their address : Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX. Phone : XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
I have accounts on my credit report that I have no knowledge of. The credit reporting agencies helped solve some of the problems but there are remaining accounts on my credit report that aren't mine.

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 2024-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

JXXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.

Please manage your responsibilities accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IL

Complaint narrative:
on XX/XX/23 i contacted chime bank about the legal name change i sent over 75 emais and the refuesed a court order and never updated my acoout name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I have no knowledge of these ( XXXX ) XXXX XXXX XXXX accounts. I am also a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
A {$100.00} gift card for American Express was purchased on XX/XX/2023. 
XXXX XX/XX/XXXX and XX/XX/XXXX of XXXX several attempts to purchase items on XXXX failed to go through. Several more attempts to link the card to my XXXX and XXXX account had failed as well. A current attempt is being made to spend some money on XXXX ( money does not leave balance until item is being prepared for shipment which can take days ). Note, there is NO mention anywhere on the card that it is unavailable to use on ecommerce sites. What the included terms and conditions do state however is that, The Card may be used at merchants and retailers in the United States that accept the American Express Card. The websites mentioned all state to accept American Express. Despite that, the card does not work across any. 

An attempt was made to access the site AmexXXXX, and to call the customer service line at XXXX XXXX XXXX XXXX, only to be told to spend it somewhere else or in a physical store. All attempts to use the card online have failed, and all of my purchases are made online making this card useless. 

Furthermore, it is the responsibility of the bank to state what websites/locations that the card would work with if this was going to be an issue. Otherwise, attempting to use the card turns into a guessing game on where the card works or doesn't work, wasting significant valuable time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
XXXX  student loan balance is reflecting as {$120000.00} on XXXX  credit report and my XXXX Bank credit History. It should be {$56.00}. XXXX  loan was transferred from XXXX to XXXX. I have spoken with XXXX and they have my total loan as {$56.00}, XXXX as it should be. I have called Experian several times over the last XXXX XXXX and there has been no change. XXXX XXXX  in the process of purchasing a home and this needs to be corrected ASAP. Thank you. 

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My XXXX loan balance is reflecting as {$120000.00} on my credit report and my XXXXXXXX XXXX credit History. It should be {$56.00}. My loan was transferred from XXXX to XXXX. I have spoken with XXXX and they have my total loan as {$56.00}, XXXX as it should be. I have called XXXX several times over the last 2 months and there has been no change. I am in the process of purchasing a home and this needs to be corrected ASAP. Thank you. 

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Unauthorized Hard Inquiries on Client 's Credit Report - Request for Investigation and Removal Dear Consumer Financial Protection Bureau I am writing to bring to your attention a matter of utmost concern regarding unauthorized hard inquiries on my client 's credit report. On XX/XX/, my client, XXXX XXXX XXXX XXXX, received a confirmation letter from XXXX regarding the security freeze placed on her credit reports with XXXX, XXXX, TransUnion, and XXXX. This freeze was initiated in accordance with the provisions outlined in XXXX XXXX XXXX, specifically XXXX XXXX. XXXX XXXX through XXXX. 

Despite the security freeze in place, it has come to our attention that unauthorized hard inquiries have been made on my client 's credit report. These inquiries not only violate the established freeze but also pose a serious threat to the financial security and privacy of XXXX XXXX XXXX XXXX. The unauthorized access to her credit information raises concerns about potential identity theft or fraudulent activities. 

In light of these circumstances, I am formally requesting the Consumer Financial Protection Division to conduct a thorough investigation into the matter. The purpose of this investigation is to identify the entities responsible for the unauthorized hard inquiries, ascertain the motive behind such actions, and take appropriate measures to rectify the situation. 

Furthermore, I request that the Consumer Financial Protection Division facilitate the prompt removal of these unauthorized hard inquiries from XXXX  credit reports. It is crucial to restore the integrity of her credit history and protect her from any potential adverse effects on her financial standing. 

Enclosed with this letter, you will find copies of the confirmation letter from XXXX regarding the security freeze, along with evidence of the unauthorized hard inquiries on my client 's credit reports. These documents should assist in expediting the investigation process. 

I trust that the Consumer Financial Protection Division will handle this matter with the urgency and diligence it deserves, ensuring a swift resolution and preventing any further harm to my client 's financial well-being. I appreciate your prompt attention to this serious issue and look forward to the resolution of this matter. 

Thank you for your cooperation. 

Sincerely,

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 2024-01-02 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: IL

Complaint narrative:
XXXX  information was wrongfully gained by the companies listed below resulting in inquiries to XXXX XXXX report. All of the following inquiries should be removed from XXXX XXXX report immediately : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-01-02 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: MI

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX  Dear Sir/Madam, Subject : Dispute of Inaccuracies in Credit Report Pursuant to FCRA 15 U.S. Code 1681 ( b ) ( 2 ) I am writing to bring to your attention a matter of significant concern regarding inaccuracies present in my credit report, even after providing evidence to credit bureau agencies . Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681 ( b ) ( 2 ), I have taken appropriate steps to rectify these errors, yet they persist.

Despite submitting evidence to the credit bureau agencies, the following inaccuracies continue to be reflected in my credit profile : Inaccurate Addresses : XXXX XXXX XXXX XXXX Inaccurate Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The sole accurate and correct information pertaining to my address and name is : XXXX XXXX XXXX XXXX  These inaccuracies are not only damaging my credit profile but also could potentially impact my financial standing and credibility. Despite submitting supporting proof to the credit bureau agencies, the incorrect data remains, which is a direct violation of FCRA guidelines. 

I respectfully request the Consumer Financial Protection Bureau to conduct a thorough investigation into these persisting inaccuracies in my credit report and take the necessary steps to ensure their immediate rectification in accordance with the FCRA guidelines. 

Enclosed, please find copies of the evidence previously submitted to the credit bureau agencies for your reference and review.

I kindly request your prompt attention and resolution to this matter and seek confirmation of any actions taken within the stipulated timeframe mandated by FCRA. 

Thank you for your immediate attention to this matter. Please do not hesitate to contact me at if further clarification or information is required. 

SincerelyXXXX XXXX Enclosures : Copies of previously submitted evidence to credit bureau agencies Please ensure to enclose copies of any proof or documentation you submitted to the credit bureau agencies, highlighting the discrepancies for the CFPB 's review.

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 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I consolidated my XXXXXXXX XXXX loan- verified on XXXX data. Mohela lists my my XXXX loans not consolidated. They had placed me in a XXXX  The consolidation was not completed. I consolidated again tonight. Mohela XXXX has incorrect information, payment information as of today. I did get a bill with different information ( lower payment ) than the online account. It is impossible to get anyone on the phone. My bill date XX/XX/XXXX due XX/XX/XXXX is XXXX XXXX Mohela continues to list XXXX I pay my XXXX loans on time. Had I not noticed this I may miss out on the XXXX XXXX  adjustment as my loans should have been consolidated and my account billing is incorrect. I would appreciate it if Mohela sent billing statements reflective of my account and corrected online account information as it is very confusing. My consolidation should not be messed up a second time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
To whom it may concern On XX/XX/XXXX i purchased a {$300.00} AMEX gift card from XXXX. Ending in XXXX. After calling to activate the card and check my balance. I attempted to use the gift card online that night to purchase a last minute XXXX gift. Tickets to a XXXX XXXX via the XXXX XXXX app. After repeated error messages. I gave up trying to use the Amex Gift online and attempted to use the Amex Gift Card at the gas station. After multiple attempts I was getting declined each time. Afterwards I check my balance. I have a available balance of {$290.00} with a XXXX XXXXt pending charge from XXXX. Which is still pending as of XX/XX/XXXX XXXXXXXX XXXX Est I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards. All they tell me is to try another merchant. ( their site claims you can use them anywhere that accepts AMEX ). They can not offer me a refund or send me a replacement card. Because they said I would have the same issue. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service. 

I have been unable to use this card for over a week. My money is inaccessible. All I want is the total balance on my card in cash/check or my funds accessible on a gift card. This whole process is extremely frustrating. 

Thank you for your help-

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 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: FL

Complaint narrative:
I have been trying to dispute XXXX  and/or invalid items listed on XXXX XXXX report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached XXXX  and XXXX  for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: FL

Complaint narrative:
I have been trying to dispute XXXX  and/or XXXX  items listed on XXXX XXXX report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached XXXX  and XXXX  for referenced issues from above.

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 2024-01-02 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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