vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 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: NJ

Complaint narrative:
Subject : Opt-Out Request Pursuant to 15 UCC 6802 Dear XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX am formally submitting this letter as an Opt-Out Notice pursuant to 15 UCC 6802. I am aware that XXXX XXXX XXXX XXXX is not officially affiliated with any credit bureaus. However, if personal information and transaction history are being reported to credit bureaus, I insist on opting out of such information sharing. 

According to 15 UCC 6802, there is no exception to this opt-out request. I demand, unequivocally, that you immediately cease any sharing of my personal information with third parties in accordance with the mentioned statute. 

This is not a mere request but a formal demand based on my rights under 15 UCC 6802. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Kindly provide written documentation confirming the fulfillment of this demand at your earliest convenience. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: 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. I told Experian to reinvestigate these accounts : Account name : XXXXXXXX XXXX XXXXXXXX, Account name : Dept Of Ed XXXX XXXXXXXX, Account name : XXXX  XXXXXXXX XXXX XXXXXXXX, Account name : Dept Of Ed XXXX XXXXXXXX, Account : XXXX XXXXXXXX XXXX XXXXXXXX, Account : Dept of Ed XXXX  XXXX, Account : XXXX XXXX XXXX XXXX XXXXXXXX, Account : Dept Of Ed XXXX  XXXX, Account : XXXX XXXX XXXXXXXX, Account : Dept Of Ed XXXX  XXXX. However, they stated everything was complete and accurate BUT THIS IS NOT COORECT. 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. PLEASE REMOVE ALL ACCOUNTS ASAP!!!

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 2024-01-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I filed a complaint XX/XX/XXXX since the prepaid gift card sent to me wasn't working ( complaint XXXX ) and they said they would close the card and send me a refund check to my address within XXXX business days on XX/XX/XXXX. They closed the card but never sent the gift card amount to me in the mail. It's been XXXX business days, which is past when they said it would arrive so I'm assuming they stole the money and don't plan on sending me a check. 
I'd like a tracking code or proof of delivery because it never arrived since this company has a history of regular corporate greed and I don't believe they ever planned on sending the refund check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-27 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: MN

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.

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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: NY

Complaint narrative:
On XX/XX/year> I was deposited a tax advance on Credit Karma online checking account. It was open for 24 hrs after the money deposited then they just closed my account and are holding my money for some reason. They said I got a paper in the mail in XXXX and I never received anything via email or mail. Now I can't get access to my money until they send me a check in who knows how long that will take. This is absolutely ridiculous and they need to be held accountable. I need that money, I have a family that I am supporting and now I have nothing until I get the check and even then I have nowhere to cash it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Client visited Chase Bank of NJ to resolve problem with accessing online account due to problems with cell/text and having no access to telephone or transact business online due to bank requesting a verification code to access account via mobile and/or computer devices. 

So, after speaking with banks manager, I had to say that I wanted without being provided with any viable alternatives than to request removal of verification code as banks supposed only option to access online account via mobile or computer access. However, the problem was not resolve although attempted by branch manager except while at the local bank location late morning Saturday, XX/XX/year>. After the code was removed while at the bank, the computer stated device not recognizable. If the code was to have been removed while at the bank, what difference does the recognition of the device matter, except for further restriction by the bank to limit customer access to transact business with or without a code? Contrary to what I was told while at the bank, the problem persisted one I arrived home. 

The same problem occurred upon returning home to use my personal device, i.e., a verification code needed to be sent again, and even when I tried to file a Chase bank complaint online, the chase bank website, again, requested for a verification code to be sent to phone via text or receiving a call, or calling the bank. Problem : The problem is that the phone is not functioning so there is no way to resolve problem to access count and transact online or mobile services. Its a MAJOR problem. 

My Personal SOLUTION to Banks Restrictive Service : Why does not the bank allow for a customer to have a perennial code or an alternate verification option via the email address associated with the account to avoid inconveniencing the customer and restricting clients access to online transactions that are not usurped by means of a mobile service, cell/text or telephone service, especially, when telephone and/or cell/texting options are not viable or available? 

Clients online transactions should not be held XXXX to having a mobile device for verification purpose. The bank needs to provide other online means for customer or client to proceed and to access account, with or without a verification code or having a mobile device or needing to call the bank when mobile cell/text or telephone services are are neither feasible nor available options to customer to transact needed banking services online, or in person. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the accuracy of certain information on my credit report, which was previously brought to your attention in my certified letter dated XX/XX/2023 ( Tracking # XXXX ). According to 15 U.S.C. 1681 ( c ) ( 2 ), a consumer reporting agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. Regrettably, I have not received any notification regarding the block of information as mandated by 15 U.S.C. 1681c-2.

I would like to bring to your attention the provisions outlined in 15 U.S. Code 1681n - Civil liability for willful noncompliance, which specifies the consequences for failing to comply with the Fair Credit Reporting Act ( FCRA ). It states, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Furthermore, 15 U.S. Code 1681i - Procedure in case of disputed accuracy outlines the procedures to be followed in cases of disputed information. Subsection ( 5 ) specifically addresses the treatment of inaccurate or unverifiable information. If, after reinvestigation, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency is required to promptly delete or modify that item of information and notify the furnisher of the information accordingly. 

I demand that you delete all the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

The Following Accounts are as follows : XXXX XXXX XXXX -- -ACCOUNT # XXXX XXXX XXXX XXXX -- -ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX -ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX -- -ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX -- -ACCOUNT # 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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX This is a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. According to the FCRA 15 USC 1681a ( 2 ) A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance reported or not. 
XXXX XXXX XXXX XXXXXXXX Late 60 days XX/XX/XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protections laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected copy of my report. 
I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. If you can not correct this information, under the FCRA 15 USC 1611, Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

Please send an updated copy of my credit report to the above address. Or this will be taken to Federal Court. 
Thank you for your time and help in 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 2024-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am a XXXX  and I initially opened savings accounts for my XXXX  name with Investors Bank. These accounts were linked to my profile and I used to be able to make additional deposits to these accounts as necessary. Since citizens bank took over Investors Bank, I have XXXX visibility into these accounts, I do not receive statements, they are not linked to my profile and I can not make deposit. I dont have access to checking the balances, nothing! I have called citizens bank several times to try to understand whats going on. They eventually said they can not help. If I need any info about the accounts I need to visit a branch, which is a major inconvenience as there are no branches in my area. Essentially I can not keep track of these accounts, since citizens did not provide me with any details at all about the accounts. I am sure I do not speak just for myself, but for many folks who are unable to access a branch, maybe because of a XXXX or else, and to think that Citizens would not allow us to have access to online banking is nothing short of discrimination..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: FL

Complaint narrative:
Hello. I was in XXXX Florida. To visit my daughter when I came back my account was empty. Someone hacked my XXXX XXXX and pulled money straight outta of navy federal to XXXX XXXX people.I provided all the evidence I could. I need my money back Im in a very desperate situation my birthday is next week baby federal just denied my claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: MD

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me, and found unverifiable, invalidated, inaccurate, and fraudulent inquiries that your agency did not make sure were reporting 100 % correct.

These inquiries below are fraudulent and would like them removed immediately.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts violation of not reporting 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: KS

Complaint narrative:
I have tried over the course of the last 3 months to apply for forbearance, but they have made claims that they can no longer allow that. They have also hiked the intrest rate 2.4 % over XXXX prior intrest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Capital One the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX Capital One whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Capital One, Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation