vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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:
XXXX XXXX XXXX XX/XX/XXXX ADDITION FINANCIAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX CARDS/CITIBANK XX/XX/XXXX XXXX BANK DELAWARE XX/XX/XXXX XXXX SUPPORT ENFORCEMENT XX/XX/XXXX CHILD SUPPORT ENFORCEMENT XX/XX/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 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC
State: SC

Complaint narrative:
My son is an authorized user on my credit card. XXXX XXXX and XXXX XXXX rental employee have spoken on XX/XX/XXXX. My told both parties that he was recording call. They both said they were ok with call being recorded. XXXX explained to XXXX Credit Card employee and stated that my son doesnt have balance due and that incorrect amount that XXXX was charging on behalf of XXXX is incorrect. They also stated that my son whos paralyzed in wheelchair doesnt owe any money. So XXXX employee agreed to resolve it and let XXXX know that balance needs to be removed from my account. They have damaged my XXXX XXXX and my son XXXX. XXXX XXXX reports has made both me and my son XXXX XXXX dropped over XXXX points. So these XXXX issues needs to be corrected and fix by XXXX Credit Card company. We also will seek legal actions with clerks of court with complaint if this issue isnt handled correctly by XXXX Credit Card company. So we ask that XXXX reply with address to send certified mail of complaint and lawsuit to them if this matter isnt resolved in a month. Please provide address lawyer can send complaint because we want to have this complaint ready if this matter isnt handled in XXXX  days. Resolution for this problem is for XXXX to remove incorrect balances and fraudulent charges for fees and interest on incorrect matter. My son whos in wheelchair have a rental car through XXXX thats been in his possession for XXXX weeks. XXXX will not rent to my son or anyone if we had owe them money. So I want this issue resolved immediately. XXXX please do the right thing and remove fees and balance. Our cards should be at XXXX balance owed. We also want XXXX XXXX remarks fix as well. We need both points back on our XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
As an 20 years experience private detective license under my company XXXX XXXX XXXX license no. XXXX that I strongly urge the CFPB that you must Fine Bank of America for this Multiple Criminal Frauds and is so bad with this bank that the fraud department investigators are involve with the Crimes and support it. They have stolen and support given illegal XXXX XXXX  XXXX XXXX fake SSN XXXX over XXXX of my money have been Stolen so bad until they scared to answer any complaints. They have my XXXX loan there. XXXX and all XXXX  will say is the loan is closed to cover up they no longer have my loan there at she. 

So now that this is in the open as XXXX - XXXX XXXX  Resolved XXXX Why would boa not answer? 

BANK OF AMERICA MUST PROVIDE AN ANSWER DO YOU HAVE MY LOAN? 


CFPB- MUST FINE BOA

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 2024-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I had a student loan with XXXX and I only owed closed to XXXX  back in XXXX  I was in forbearance but then made monthly payments and they sold my loan to Aid Advantage and still making monthly payments I still owe over XXXX  I don't understand why my balance is still so high and I need to know if I qualify for that Class action law suit when I called XXXX they told me to contact my school for the transcripts but my school is Closed down I went to XXXX XXXX in XXXX XXXX  and nobody seems to know nothing And I gotten married so my name is changed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
In my agreement of the XXXX  card with the higher balance. It was agreed by multi people, multi org levels right up to the XXXX XXXX . When paid as agreed. Any reporting would either be updated to no data or blank. Or any negative remarks would be updated. Between mid XXXX XX/XX/XXXX. The phone calls have multiple recordings of this. Within email/ messages it is also committed too. I was told bluntly to my face when the blue cash was settled officially I called and ensured on my update its the last piece of my ruined life and finances for no reason at all, thanks for that. And was told within 30 days the settlement and reporting would be finished. Months and months dispute after dispute still waitin so I can get my life on track. Amex havent you done enough damage. You always got paid in full so no hard ever done to you. Biz, house, any options gone still because of the 3 incorrect but regardless agreed to be taken care of payments. Plz update

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I had XXXX to wire Select Portfolio Servicing, XXXX {$12000.00} to pull a family member 's home out of foreclosure, but XXXX neglected to place the XXXX  properties account number in the wire processed. I realized the account number of the XXXX  property was missing on the wiring paperwork and went back to XXXX and the XXXX requested a reversal of the funds. Unfortunately, the wire was received by SPS, XXXX and it was applied to a mortgage loan of a home I own .... I learned this by calling SPS, XXXX and they confirmed that the {$12000.00} was applied to my next monthly payment and the remainder was applied to the principal. I explained the error/neglect on the part of XXXX  and the SPS, XXXX representative said that the wire would be reversed on XXXX XXXX, 2024 ... SPS, XXXX had not reversed the wire of the {$12000.00} so I requested documentation that the monies would be wired by to my XXXX  account . I received the letter dated XXXX XXXX, 2024 ... ( 1st paragraph ) " SPS has received your wire reference number XXXX in the amount of {$12000.00}. We are notifying you that this is payment will not be applied to the account ( the mortgage of the home I own ) for the following reasons : The check is being returned per customer request. Please check with the financial company that issued this payment for the status of these funds ''. I have called an spoken to SPS, XXXX many customer service representatives, XXXX supervisors ( XXXX XXXX and XXXX who sits next to XXXX ) and XXXX ombudsman ( XXXX and XXXX ) as i escalated my efforts to get my money returned to my XXXX account to no avail ... after many many calls and more recently daily calls... all calls allegedly recorded by SPS, XXXX by pressing buttorn or giving verbal ok to record .... I have NOT received my {$12000.00} back into my XXXX account

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Chime close my account XX/XX/year>, and Ive been trying to get the money out of my account ever cents. theres {$1300.00} thats in my account and its gone I havent received it I cant log on and they just keep telling me to look for emails and be patient. They sent me the emails but the emails dont talk about the money that they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
My account is restricted. I have no access to funds. No one from customer service can tell me why it is restricted. I disputed a charge through Robinhood over a month ago because I never received a package and the merchant that sent the package did not follow up. However, I received an email on XX/XX/24 at XXXX from Robinhood wanting to follow up on my dispute. Ten minutes later I received another email from Robinhood saying my account is now restricted. I did not see any emails until I tried to pay a bill later that evening and realized my card was denied due to a restriction. I have no money, no food, no way to live and I have to pay rent in the next few days. Customer service from Robinhood has been unhelpful. I can understand if they only want to place on hold the disputed amount but to restrict my account entirely is unjustified and unethical. Customer service could not give me a reason as to why the account is restricted. I am only assuming the reason for the restriction based on two emails I received from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
Recently the XXXX approved forgiveness for my second round of XXXX loan. Accordingly, The funds were dispersed to US Bank. However due to the US Bank not assisting me with the forgiveness application in the past, I was forced or obligated to make payments on the outstanding balance. The balance of the loan produced by the payments made by me. When the XXXX  approved the forgiveness they dis disperse the entire loan amount to US Bank. However the balance was less than the original amount given to me. Now US Bank has the additional funds and is refusing to disperse them to me. according to XXXX  guidelines and provisions any payments made in excess of the balance of the XXXX loan shall be returned to by the lender. This US Bank has not done so

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 2024-09-21 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: OH

Complaint narrative:
I recently discovered that a student loan account from the Department of Education ( serviced by XXXX ) has been reported on my credit file, but I did not attend school during the years in question. This account is inaccurate, and I believe it is damaging my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681s-2, creditors and loan servicers are required to report accurate information. XXXX has failed in this regard by reporting a loan for periods when I was not enrolled in any educational institution. I also believe this could violate the **Fair Debt Collection Practices Act ( FDCPA ) **, 15 U.S.C. 1692e, as it constitutes false representation of debt. 

please remove the following accounts below as they are inaccurate. 

DEPT OF ED/XXXX XXXX DATE OPENED : XXXX AMOUNT : {$2300.00} DEPT OF ED/XXXX XXXX DATE OPENED : XXXX AMOUNT : {$2500.00} DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$2600.00} DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$4000.00} DEPT OF ED/XXXX XXXX DATE OPENED : XXXX AMOUNT : {$4800.00} DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$7600.00} DEPT OF ED/ 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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently discovered that a student loan account from the Department of Education ( serviced by XXXX ) has been reported on my credit file, but I did not attend school during the years in question. This account is inaccurate, and I believe it is damaging my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681s-2, creditors and loan servicers are required to report accurate information. XXXX has failed in this regard by reporting a loan for periods when I was not enrolled in any educational institution. I also believe this could violate the **Fair Debt Collection Practices Act ( FDCPA ) **, 15 U.S.C. 1692e, as it constitutes false representation of debt. 

please remove the following accounts below as they are inaccurate. 

DEPT OF ED/XXXX XXXX DATE OPENED : XXXX AMOUNT : {$2300.00} DEPT OF ED/XXXX XXXX DATE OPENED : XXXX AMOUNT : {$2500.00} DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$2600.00} DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$4000.00} DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$4800.00} DEPT OF EDXXXX XXXX DATE OPENED : XXXX AMOUNT : {$7600.00} DEPT OF ED/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date of the last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 explanation
Consumer complaint received 2024-09-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date of the last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date of the last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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