vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 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: DISCOVER BANK
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for XXXX  purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
In XXXX I received a letter stating that a dispute was filed on my behalf and that I would be receiving XXXX. XXXX then when I called to check the status of funds they told me i was not able to get verified over the phone. So I called everyday up until XX/XX/ I called and finally got threw to the right person and they were able to verify me by asking me multiple questions and they said they would expire the check so I would receive it in 10 days I call back today and now they are saying they can't verify me again and will not speak to me .I have been trying to get my money for months now. They have sent me payments in early XXXX and there's was no issue then. I was sent a compensation check for financial harm and there was not an issue then either that was in XXXX. Now there is another issue. I can't take much more of this I am losing my home because of this. My kids didn't have a XXXX because they do not document or communicate correctly

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 2024-01-06 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: VA

Complaint narrative:
Transunion, XXXX, XXXX & XXXX XXXX have all engaged in dark patterns, resulting in abuse of consumer 's file and has furnished these reports unfairly from XX/XX/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 2024-01-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 To whom it may concern : I need to know who you verified the Public Record Information XXXX  XXXX XXXX. 
According to the XXXX report, this public record has been deleted and removed from their credit file. According to XXXX, they disputed the XXXX XXXX information with Equifax XXXX  XXXX XXXX, because it's not verifiable. I demand for this public record to be removed from my credit file immediately, and please do not send me that it has been verified with your dispute, without evidence that you verified it. This must be a lie or you not doing your job accurately according to the law. Please find XXXX  the attachments down below, for XXXX  evidence to support my case. 

I just got my credit report and the Account of Public Record Information XXXX  XXXX XXXX on my credit report is incomplete and inaccurate, violating 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ) XXXX  person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts : Public Record Information XXXX  XXXX XXXX XXXX  you have deleted the accounts from my credit report, please send me a copy of my updated report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have two CDs with Wells Fargo. I received notice that the CD would be renewed at the same term if I did not respond between XX/XX/29 and XXXX. I called prior to XX/XX/29 and on XXXX. I missed the period between XXXX because we were traveling outside of the country. I let them know I would pay a fee since I was outside of the grace period, but they said the only way I could stop the CD from renewing was to mail in a notarized letter ( which is not easy and would potentially cost me money ) or to make an appointment with a banker ( which is only during my work hours and I would have to take off or miss work ). I feel that Wells Fargo is intentionally making it difficult for me to change the terms of this CD. The rate is currently at 1 % and I'm sure they do not want to pay the current fair market rate of 5 %. They are being abusive by not having this ability via phone and making it very difficult for a consumer to complete this action.

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 2024-01-06 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: VA

Complaint narrative:
XXXX, XXXX, XXXX & Credit Karma have all engaged in dark patterns, resulting in abuse of consumer 's file and has furnished these reports unfairly from XX/XX/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 2024-01-06 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: VA

Complaint narrative:
XXXX, XXXX, Experian & XXXX XXXX have all engaged in dark patterns, resulting in abuse of consumer 's file and has furnished these reports unfairly from XX/XX/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 2024-01-06 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: NJ

Complaint narrative:
I added the following part to the letter to Equifax. 

Also, I found out my extended XXXX XXXX XXXX was removed along with XXXX XXXX alert. I have asked to remove XXXX XXXX alert. I enclose the fraud alert request form, which I submitted before. I expect your company shows the respect toward the victims identity theft, especially whose nationality is not the United States citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: TX

Complaint narrative:
After reviewing my credit profile I noticed some hard inquiries that are not 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 2024-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MT

Complaint narrative:
Below is a list of requirements and violations of the FCRA Act and my consumer rights against National Credit Systems IncXXXX XXXX XXXX XXXXXXXX XXXX. XXXX GA XXXX Statute of Limitations in Florida Written Contracts : 5 years Oral Contracts : 4 years Request for Purchase Agreement required for validation. 

Debt Validation Requirement According to Section 809 ( b ) ( 3 ), as a consumer, I am entitled to request debt validation. You are required to provide the validation and the address of the original creditor within 30 days of such a request. 

Absence of Proof and Presumption of Nonexistence of Debt No proof has been provided to establish the debt as per the doctrine of laches and estoppel by silence ( Engleback vs. Grant, Md. 237 A2d 710 ). Consequently, I am led to presume that there is no substantiation for the alleged debt, and thus no such debt exists in reality. 

Privacy Violation and Unauthorized Reporting Under 15 U.S.C. [ section missing ], I am not recognized as owing any debt. It appears that there is a violation of my consumer rights to privacy in accordance with 15 U.S.C. 1681 ( b ). Furthermore, this company has not obtained my express oral or written consent to report any information, which is a requirement under 15 U.S.C. 1681c ( a ).

Evidence of Reporting Inaccuracies I possess photographic and video evidence of inaccuracies that have been reported and demand these to be rectified and deleted as per my legal rights. 

Infringement of 15 U.S.C. 1681b The permissible purposes of consumer reporting as outlined in 15 U.S.C. 1681b are being violated. A consumer reporting agency may only furnish a consumer report under specific circumstances as delineated in the statute and no other.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit profile I noticed some hard inquiries that are not 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 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Last summer my dog needed an expensive XXXX, so I opened a Care Credit account with Synchrony Bank to help pay for it. This was considered a 'promotional purchase, ' and if I paid off the entire balance by XX/XX/24 I wouldn't be charged interest fees. If I didn't pay it off by then, I'd be charged interest on the entire purchase. I also made XXXX additional 'promotional purchases ' at the vet later, one expires in XXXX, the other in XXXX. 

I made a {$520.00} payment in XXXX, paying off the first promotional purchase before the expiration date in XXXX, avoiding interest fees. I have screenshots of the account, showing the balance on that purchase was {$0.00}, and the status was PAID OFF. These screenshots are from the expiration date, XX/XX/24. If any further payments were required on that balance then they would have needed to tell me, so I could make the additional payments on time. But no, the balance clearly said {$0.00}, and the account status was PAID OFF. 

I logged into the account days later and saw that they transferred my payment from the balance that expired in XXXX to the balances that expire later. Now, since there is a balance on the purchase that expired in XXXX, I will be getting hit with interest fees. This is not right, as I paid off this purchase in time, and have proof that it was marked as PAID OFF. 

I sent customer service a message, providing them with the screenshots that prove I paid off the balance in time. I asked them to restore the status on that balance to PAID OFF. I also asked for an explanation of why they removed my payment from that balance. They did not fulfill either request. 

I am attaching the screenshots, which show that I paid off this balance in XXXX, and that my balance on the expiration date ( XX/XX/24 ) was {$0.00} and marked as PAID OFF. 

In summary : -My balance was due in XXXX, I paid it off in XXXX. 
-On the expiration date, the balance on this purchase was {$0.00}, and the status was PAID OFF. 
-Sometime later they removed the payment from this balance and changed the status. 
XXXX asked them to restore my status to PAID OFF and provide an explanation, they did not fulfill either request.

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 2024-01-06 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: IN

Complaint narrative:
Subject : Complaint Regarding 15 USC 1681 Permissible Purpose of Inquiries on Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding the presence of inquiries on my credit report under 15 USC 1681 XXXX specifically concerning the permissible purpose of these inquiries. According to the Fair Credit Reporting Act, a permissible purpose is required for inquiries made into an individual 's credit report. I have reason to believe that inquiries have been made on my credit report without a permissible purpose, and I am requesting documentation to verify the permissible purpose of these inquiries. 

I request that they investigate the inquiries on my credit report and provide me with the following information : 1. Documentation demonstrating the permissible purpose of each inquiry on my credit report, as required by 15 USC 1681. 

2. Verification that each inquiry is connected to an account that is explicitly listed on my credit report Following inquiries thats on my XXXX account without permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request that they specifically connect each inquiry to an account that is present on my credit report and provide me with the documentation that was used to verify that I have an open account with the entities responsible for the inquiries. 

I believe that these inquiries may be in violation of the Fair Credit Reporting Act, and I am concerned about potential unauthorized access to my credit information. As a consumer, I have the right to ensure that all inquiries on my credit report are made for permissible purposes and are connected to valid accounts. 

I appreciate your attention to this matter and request that you provide me with a written response regarding the outcome of your investigation within the time frame specified by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-01-06 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:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of federal law. XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: OH

Complaint narrative:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of federal law. XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I applied for the XXXX Repayment Plan on XX/XX/23 via XXXX. Nelnet has failed to process my application. They claim my application is in their queue, but they haven't given me an accurate timeline for when it will be complete. They only send me emails every XXXX days saying they are still processing my application. My account is accruing interest and their delays are causing me financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I OPENED A MERCHANT DISPUTE WITH MY BANK WELLS FARGO UNDER THE CLAIM ID XXXX, FOR MERCHANDIZE NOT RECEIVED. 
I RECEIVED THE DOCUMENTATION FROM THE BANK REQUESTING TO SING AND FILL IT. 
I SEND IT TO THEM BY EMAIL ON XX/XX/XXXX  WITH ALL THE INFORMATION REQUESTED. 
A COUPLE OF WEEKS AGO THE PROVITIONAL CREDIT GIVEN WAS REVERSED AND I GET A NOTIFICATION FROM THE BANK THAT THE CLAIM WAS CLOSED AND DENIED BECAUSE I NEVER SENT THE INFORMATION REQUESTED. 
ATTACHED GOES AGAIN THE INFORMATION REQUESTED THAT WAS SENT TO THE BANK IN THE DATE GIVEN. NOW MY ACCOUNT IS OVERDRAWN AND COULD BE CLOSED DUE THE BANK ISSUE PLEASE PROCEED WITH THE MERCHAND DISPUTE THANKS

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 2024-01-06 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: IL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has XXXX  my federally protected consumer rights to privacy and confidently under 15 USC 1681. XXXX XXXX XXXX XXXX portfolio recovery XXXX last XXXX of the account number XXXX amount {$690.00}, date XX/XX/XXXX current balance {$690.00}. XXXXXXXX XXXX XXXX last XXXX of account number XXXX amount {$960.00}, date XX/XX/XXXX. Original lender : XXXX  XXXX. agency name XXXX XXXX date XX/XX/XXXX. Original balance XXXX.current balance XXXX 15 U.S c 1681 section 602 A state I have the right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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 confidently under 15 USC 1681. XXXX XXXX XXXX XXXX portfolio recovery XXXX last XXXX of the account number XXXX amount {$690.00}, date XX/XX/XXXX current balance {$690.00}. XXXX credit management last XXXX of account number XXXX amount {$960.00}, date XX/XX/XXXX. Original lender : XXXX XXXXXXXX. agency name XXXX XXXX date XX/XX/XXXX. Original balance XXXXcurrent balance XXXX 15 U.S c 1681 section 602 A state I have the right to privacy.

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 2024-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Capital One 360 savings account has been my online account for many years. In XX/XX/2022, I understood that this online account was paying 4.35 % interest rate. I began transferring larger sums of money to this account to take advantage of the increased interest rate. I ended up having over {$62000.00} in this account. Upon checking this account recently, I discovered I had received only {$160.00} in interest for the year. Upon further research I discovered that Capital one 360 and Capital One 360 Preferred are two different types of accounts. These names are used interchangeably in the literature from Capital One. Because of this, I believed the Preferred was just a descriptive term, not a separate type of account. I was receiving only .30 % on my savings, not the 4.35 % advertised that was the reason I moved money to that account. I believe the practice of using the names of these accounts interchangeably to be very misleading, deceptive, and unfair. I believe I should be reimbursed the more than {$1000.00} I would have received if my account was getting the 4.35 % advertised by Capital One 360. I have had savings with Capital One for years and have felt that they were in my best interest, but I feel very much as though I was taken advantage of with this happening. Thank you for consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: McKenzie Management LLC
State: FL

Complaint narrative:
Ive had my account locked by McKenzie XXXX  and theyve seized my business bank account

Company response to consumer: Untimely response
Consumer complaint received 2024-01-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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