vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
Account name : XXXX XXXX # XXXX has violated my rights. 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 2023-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: AZ

Complaint narrative:
XX/XX/XXXX I received a text from a company claiming to be Zion Debt Holdings that read XXXX... We purchased your past due XXXX XXXX XXXX. Please call us to discuss and resolve. ~Zions Debt Holdings I called because I used to have the service and knew this was in error because I ended service in XX/XX/XXXX. 
They were telling me XXXX sent it to collections for my last payment and now I owed {$110.00}. I asked for a number to XXXX to resolve because it was wrong. I called but it was a XXXX it support number. 
I called Zion Back and told them they had wrong information because I dont owe anything. They told me they could send my billing history and I had to show that I received a letter from XXXX that it was cancelled because they were stating it was closed for non payment which I knew to be wrong. I search my emails and was able to find all my communication from XXXX that the service was terminated by me. 
They continued to tell me they reported to credit bureau. 
The text came from XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: MO

Complaint narrative:
Experian notified me that thy are working on XXXX more issues that are exactly like the 7 they closed yesterday and the 8 they are still working on which means ABSOLUTELY NOTHING because they are doing nothing about the problem which is Experian has stolen 18 now almost 19 months of on time never late payments to XXXX and refuse to give them back but still close complaints without doing anything

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification of FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I'm writing urgently to address discrepancies I've found in my credit report that may potentially violate the Fair Credit Reporting Act ( FCRA ). After thoroughly reviewing my credit profile, several errors have surfaced, raising substantial concerns about FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a critical federal statute governing the collection and reporting of consumer credit information, emphasizing meticulous data handling, retention, and transparent dissemination. 

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Reporting agencies consolidating individuals ' information based on names or social security number similarities. 
Neglect of prescribed protocols by agencies for managing disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly concerning employment-related matters. 
Receive notification if my information has been used in credit applications or other transactions. 
Dispute and request the correction of incomplete, erroneous, or unverifiable data. 
Have outdated negative information removed following FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items significantly deviate from FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, as evidenced by my recent denial for extended credit, directly attributed to errors originating from your agency. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report. 

2. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

3. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 


I trust in your prompt attention to rectify these violations within the stipulated timeframe mandated by the FCRA. Failure to comply will regrettably necessitate legal action to ensure my rights under the FCRA are fully upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have added Equifax to remove a medical bill from credit report, and it hasn't been removed. XX/XX/2023, XXXX XXXX under {$500.00} would no longer appear on consumer credit reports. I requested removal on XX/XX/2023, and it hasn't been removed. I didn't ask for debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: NY

Complaint narrative:
Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that XXXX didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

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 2023-12-15 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: FL

Complaint narrative:
Ive recently received a report of my credit, I am shocked of all the unauthorized inquiries I reviewed upon my report. Based upon the federal law it states that I am promised accuracy information on my credit report. I demand all these unauthorized inquiries should be DELETED from my credit report. Can you help me solve this situation please.

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 2023-12-15 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: U.S. BANCORP
State: VT

Complaint narrative:
In XXXX, 2023 I received a prepaid Visa Gift Card for {$500.00} from a friend. In XXXX there were apparently multiple fraudulent charges using the card. I did not realize this until XXXX when I first used the card for several purchases. It was when I decided to see what the remaining balance was I learned about the fraudulent charges. In XXXX I contacted the US Bank XXXX card folks and explained the situation. They agreed to research it and eventually sent me a replacement card for {$110.00}. I received the card and activated it on XX/XX/XXXX, but have yet to use it. I re-contacted them because there was still {$100.00} missing on the card, and eventually after faxing to them the front and back of the replacement card and my drivers license they sent a letter dated XX/XX/2023 telling me they had made a final determination regarding my claim and that another card for {$100.00} would come out to me in XXXX business days. I have yet to receive it. And I still can not use the first replacement card they sent, or access the on-line details they keep telling me to use. 
At their request I have faxed the above referenced information to them seven times, and recently sent it via USPS as well. 
I'm not getting anywhere, and truly appreciate your help in this matter. Every time I call I'm told to fax the same info and call back in 7 days. Then we go around again. I'm due to call them next Tuesday, XX/XX/XXXX. I'm not sure I'll bother, but then they owe me {$210.00}, and they know it. 
At one point a representative actually gave me the address where she said a replacement card was sent ( to me presumably ) at an address in XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I've no idea if this happened or who got it but the address she provided was XXXX I've never heard of, and certainly didn't provide to them.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall. free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-12-15 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: NJ

Complaint narrative:
I bought a American Express Gift Card at my local XXXX for {$200.00}. I tried to use the card on countless merchants online and the card got declined by each one. I call the American Express Gift Card support and they were no help. They told me the card was activated despite the declined transaction and they advised me to just keep trying at different merchants which was no help because I was already trying that. Now I am stuck with a gift card that wont work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on XX/XX/XXXX was the 1st attempt to wire transfer the amount of {$20000.00} to a family member for financial support. ( Account restriction placed ) On XX/XX/XXXX Account restriction lifted ( advised by the CSR at Capital One to initiate a 2nd attempt ) on XX/XX/XXXX was the 2nd attempt to wire the amount of {$20000.00} to the same family member for financial support. ( account restriction placed ) After making contact and disclosing all the necessary information and proof of validation, It was determined the restriction could be lifted and I could proceed with another transaction. 

I made the 2nd attempt to wire the same amount to the same family member. I called Capital One to make sure there would be no issue. Capital One assured me that there would not be an issue and to go ahead and proceed. After several hours I get a notification that the restriction was placed a 2nd time.

At this point, I contacted Capital One to see what the issue was again. They then told me my account would be closed and the investigation would be launched a 2nd time for the wire transfer.

My funds are unavailable until the investigation is complete. I was not given an estimate as to when it would be or who the active investigator is. They said this was not something they provided.

They questioned my source of income and the source of the added deposit to the account from a friend. which I provided. No fraudulent activity. All digital currency was converted to USD and deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
I received a phone call from XXXX XXXX XXXX XXXX today while I was at work. She was crying because she stated that someone from FCO called and threatened to take her to court over a debt with XXXX XXXX XXXX XXXX in XXXX, SC. I lived their and she co-signed for me because my credit was not good enough. I had communicated with the apartment property manager in an email that I would make payment arrangements when I am able to. I was out of work for 3 months due to being diagnosed with a XXXX XXXX and I was not receiving a paycheck. I moved out when my lease ended and it left a balance. I was not able to pay because I was not getting a check and I was denied unemployment. They have not sent me a letter in the mail or tried to contact me. They contacted my mom and they threatened her. These tactics should not have been used and they should have tried to contact me in writing or call me. The apartment complex had my phone. 

The apartment complex new that I was on XXXX XXXX I communicated with them over and over when I was living their that I was diagnosed with XXXX XXXX, I wasn't working, and I was getting a pay check. I even told them that I was denied unemployment. They kept threatening me with eviction notices. They were never kind enough to help or give me a break. The send nasty emails and basically all they could say is I am sorry that you are going through this. It was very stress and caused a lot of XXXX XXXX and stress.

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 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had about XXXX dollars taken from my account in XXXX via XXXX transactions, XXXX in XXXX and XXXX in a XXXX XXXX XXXX in XXXX, TX. A place where I have never been to. 

These transactions occurred on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received an email asking me about verifying a transaction in the XXXX XXXX XXXX TX, I replied to the email indicating that i had not made that transaction. 

I received another email from Regions Bank confirming they received my reply. They sent me a different card since the initial one seemed yo have been cloned. I thought that was going to be no longer a problem since they changed my card. This week I went to pay my HOA fee through this account and noticed the XXXX dollar missing in the transactions indicated above. 

I went to the bank in person to resolve this issue only to be told that it had happened over 60 days ago and they couldn't resolve, I called their customer service who instructed to go to one of their branches, at the branch the only option I was given was to call the merchant to try to get them to revert the charges which of course they wouldn't do. 
At the end, I was given no solution and decided to withdraw the rest of my money since I can't trust that bank.

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 2023-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2023 I took out a new car loan through Navy Federal to purchase a XXXX XXXXXXXX XXXX price that {$43000.00} I finance {$25000.00} through Navy Federal. Unbeknownst to myself the car was stolen from a car dealership The title was counterfeit and the Vin number had been replated. Navy Federal has the identity of these criminals as well as video footage of these criminals at a navy federal branch located at XXXX XXXX XXXX, XXXX, NY XXXX. On XX/XX/2023 I filled out a consumer loan addendum agreement/decoration of loss and I filed a decoration of fraud/forgery on XX/XX/2023. I also reached out to Navy Federal in writing on XXXX 2023 informing them that they do not have my consent to report this fraudulent account on my credit report. And that this loan should be deleted, and declared a loss. Unfortunately, Navy Federal conducted a fraud investigation, which determined no fraud, had taken place which to me is impossible. I requested a copy of the fraud investigation and was denied and advised to subpoena for the investigation. Please look into this matter that violates the fair credit reporting at 15 USC1681b, permissible purpose and 15 USC 1681 fitness and accuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: LA

Complaint narrative:
I'm writing about complaint # XXXX. 
On XX/XX/2023, Experian emailed me stating that the results were completed for complaint above. I attached the Reference # XXXX from Experian showing they were completed. After doing my investigation they were still inaccuracies after the results were done. On XX/XX/2023, this is what Experian responded to CFPB Site BELOW -The company has responded that it is still working on your issue. 
The results were completed so why would Experian say they needed more time. 

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My name is XXXX XXXX, I possess an active secret clearance. 

Recently I opened an account with Chase Bank, my account was later closed without an explanation. I believe this action was caused by false/negative reporting ; however, when I asked for the information, " why I was denied a checking account? '' I was told I could not receive it. I have attached my XXXX report which does not reflect any negative check reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My credit card was moved from XXXX XXXX to Barclays without my consent or authorization. I never received information of my credit card being sold or transferred from XXXX XXXX or Barclays. I was never made aware of the fact that I have or had the option to opt out. I never received any package from XXXX XXXX or Barclays for opt out option. They violated my right and took advantage of me. Barclays and XXXX XXXX both should be held accountable for these actions. If I had known that XXXX XXXX was selling their credit card business to Barclays, I would have opted out given that all the negative and bad reputation they have surrounding their customer service, hostile treatment and entrapment tactics behavior they use against consumers. They do not communicate nor properly informs consumers and uses shady business practices to destroy consumer credit card scores and history. This is their soley business practice based on all the comments on XXXX and all over the internet that I have come to learn.

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