vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information XXXX  other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish XXXX  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 2023-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/XXXX ally auto purchased a contract of the amount of {$16.00} at the interest rate of XXXX. XXXX XXXX did not disclose the correct buy rate which was offered. They changed around paperwork after. I agreed to buy XXXX XXXX XXXXXXXX at {$13000.00} Financed with ally auto. XXXX crammed products to have ally purchase XXXX  collected a cash value, in this transaction slammed rates and is in violation of USC code 1662 B. The finance manager failed to disclose attempts to force products in illegal activity. This contrat Interest with ALLY  should be nullified. This mistake is going to harm the original interest amount agreed upon by the dealer. This is my consumer report and I have to report inaccuracies in the balance from ally auto. 

XXXX XXXX added these charges to me {$3000.00} XXXX  XXXX key warranty XXXX XXXX XXXX XXXX. Ally Financial does not have the copy of lean, copy of registration, copy of title. When I called to confront I was ignored. It was not disclosed this amount to be financed as {$16000.00} at 21.49 XXXX 

Ally Finance does not know the terms of the contract. the correct balance should be XXXX after dealership theft.

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 2023-12-20 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: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Unauthorized inquiries found on my credit report from unknown sources from dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Need account balance and a replacement card

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 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I walked in to the store and was trying to make a cash payment to my credit card the manager at the store told me that it was up to her discretion who she took cash payment from so she decided that she wanted to get approval from corporate to accept my payment so she called corporate and then corporate told me it was going to take up to 7-10 business days for the payment to process. Previously my debit card payments to this account were taking two weeks to process even though the money was immediately taken from my bank account, so the XXXX representative told me to make cash payments at the store from now on to correct this problem after leaving the store I called the customer service myself making a complaint about the incident. The representative told me that any payments over {$1000.00} take special recording and processing ever since XX/XX/11 and that I wasnt singled out. As a consumer I feel like the managers actions were very biased on the judgement of my appearance, XXXX has items in store that cost more then the payment I was trying to make, Ive also made payments in that past that was more then {$1000.00} and its never been a problem. The cashier also confirmed that these extreme measures are not normally taken. Im deeply offended by the actions that were taken against me. How can we solve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Capitol one has violated my rights under XXXX XXXX Sec XXXX States i have the right to privacy XXXX XXXX XXXX Sec XXXX XXXX It also states a consumers report agency can not furnish an account without my written instructions. Under XXXX 's XXXX a creditor XXXX not treat a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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:
in accordance with the fair credit reporting act bank : Law offices XXXX # XXXX, has violated my rigths. 

in accordance with the fair credit reporting act bank : law offices XXXX # XXXX, has violated my rigths in accordance with the fair credit reporting act bank : XXXX XXXX XXXX # XXXX, has violated my rigths in accordance with the fair credit reporting act bank : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. states i have the rigth 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

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 2023-12-20 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than XXXX. This is done XXXX XXXX by XXXX. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave XXXX  written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2023-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: IN

Complaint narrative:
I Have tried to opt out of Jefferson Capital Systems reporting Non-Public personal information on my credit report, for one because I have no contracts with them,2 the debt is now a certificate of indebtedness which is now income and income can not be reported on my credit report, XXXX per the FCRA it is my right as a consumer to opt out of the disclosure of any non-public personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than XXXX. This is done XXXX XXXX XXXX XXXX. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave XXXX  written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
By mistake, I made a payment of {$2000.00} instead of {$200.00}. I immediately called the bank to stop the transaction, but they said they couldn't. I also contacted the payment company, and they couldn't help either. I called Bank of America again because my account was at risk of overdrawing. They assured me it was impossible for the transaction to go through since I didn't have overdraft authorization. Two agents confirmed this. To my surprise, the bank overdrew my checking account, where they are not authorized to do so, instead of rejecting the transaction. 

This happened on XX/XX/XXXX. I made calls on the same day and confirmed on the XXXX that my account wouldn't be overdrawn, as the bank lacks authorization for overdrafts. Yet, on XX/XX/XXXX, I woke up to an overdrawn account. 

All of this is happening because I have another account with sufficient funds. They are acting unfairly with my money, and they shouldn't play with the savings of their customers. 

I need my money for do others important things

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 2023-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Multiple collections agencies are playing pass the ball with a debt from many years ago. Every time my credit score increases.for some reason it gets sold to another collection co. And it decreases my score and it keeps repeating over and over. That's fraud! Collection co.is ONLINE INFORMATION SERVICES AT THIS MOMENT AND THE ORIGINAL DEBTOR IS XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/23 I made a balance transfer request with XXXX to pay {$2700.00} toward my balance at American Express. The payment never posted to American Express. I paid the interest accrued on the account and called AMEX to inquire about the status of the balance transfer. The representative stated it could take up to XXXX  days to process because of the timing of the check distribution from XXXX. I called XXXX for documentation which could be supplied to AMEX. I was provided a confirmation with tracking information for the electronic payment issued by XXXX to AMEX on XX/XX/23. I opened a case on XX/XX/23 with AMEX and uploaded the confirmation of payment. As of XX/XX/23 this payment has still not been applied to my AMEX. I am now paying down a balance transfer at XXXX while still carrying the amount at AMEX. This is incorrectly inflating the amount of revolving credit I am using and impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
my Square account got deactivated, which i dont know how. But XX/XX/XXXX, I put {$85.00} into my Square account, from my XXXX XXXX account. Its now the XXXX & I cant transfer out my Square account, like theyre just holding my money for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was trying to do a XXXX transfer from my Truist account in Florida to my XXXX account in Illinois where I now live. It was flagged as fraud and they locked my account. I called and they wanted to verify my phone with a code. They said a " third party '' service said my phone wasn't in my name. This is correct. It is in my daughter 's name. So, they locked my online access even though I told them it wasn't fraud. There was no reason to lock my account. They refused to unlock my account. They said I have to do that in person. I live in XXXX, IL. The closest branch is somewhere in Kentucky. I am XXXX XXXX XXXX and no longer drive. They will not allow me online access to my account now. I have over {$6000.00} in their bank and I can no longer see my account online or make any online transactions. This is unacceptable. I told them it wasn't fraud, but they refuse to allow me access to my account online. I don't understand how they can do that. It isn't their money, and I explained that there was no fraud, that it was their mistake, but they still won't allow me access.

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 2023-12-20 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I purchased a company vehicle because I had established business credit to obtain a business loan. From XXXX XXXX Ive had a hard time paying the loan because the company has been impacted by the Covid 19. After checking my personal credit report Ally is reporting on my personal credit report. Ive signed up three times for an extension and paid the extension and ally never honors it. They are still asking for the amount that was last due. 
Recently, I went into an agreement on XX/XX/XXXX. The first payment was due XX/XX/XXXX. I paid the first payment XX/XX/XXXX online. Ally tried to take another payment from an account that I didnt authorize that. My extension payment didnt get noticed. In XX/XX/XXXX I tried to make a payment and the system is requesting {$1000.00} instead of the required {$380.00} that I agreed to. I called on XX/XX/XXXX and the representative notated the account and saw where I made the agreement and that department was closed. Today XX/XX/XXXX I spoke to 5 people and no one assisted our company. This is unacceptable and predatory.

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 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2023 an international wire transfer was sent from XXXX bank in XXXX to the XXXX  XXXX XXXX XXXX XXXX. The XXXX  XXXX XXXX XXXX XXXX accepts/handles international wire transfers of behalf of USAA. When I contacted USAA to inquire about the status of the XXXX XXXX, the representative tells me there is nothing they can do and that I must contact the XXXX. 

I followed the international wire transfer instructions provided by USAA and sent this information to the sender of the XXXX  XXXX. I have contacted the sender XXXX  XXXX  and they have provided me with documentation showing the XXXX  XXXX  has been debited from XXXX and can no longer be recalled. 

I am requesting USAA contact the XXXX  XXXX XXXX  XXXX  XXXX to inquire if the wire transfer was received. USAA has refused to do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation