vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am trying to access my Experian online account of a credit report freeze that I activated on XXXX XX/XX/2018. Something has occurred that will not permit me to log onto my account. It says I have an incorrect password. When I try the reset password option online, it asks me for my phone number. When I enter my phone number, it says that it is incorrect. Then, I am given the instructions to call Experian. But when I call, there is only an AI response. None of the options provided are addressing my problem and there is no availability to speak with a person to explain the problem. I have tried several Experian numbers ( XXXX, XXXX, XXXX ) and all of them have the same problem of limited options and no way to speak to someone. I do not know how to resolve this problem.

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 2023-12-23 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: MD

Complaint narrative:
According to the Privacy Act of 1974, it was created to protect and curb the illegal surveillance and investigation of individuals by federal agencies. It also stated the major concern for potential abuses presented by the government 's increasing use of computers to store and retrieve personal data by means of a universal identifier - such as an individual 's social security number. Along with 5 USC 552a, these two laws are to protect the consumer 's personally identifiable records maintained by agencies.

15 USC 6801 ( a ), states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 USC 6802 9b ) ( 1 ) A financial institution may not disclose nonpublic personal information to nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct reheat such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of h ow the consumer can exercise that nondisclosure option.

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 to Transunion, XXXX and 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 2023-12-23 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:
According to the Privacy Act of 1974, it was created to protect and curb the illegal surveillance and investigation of individuals by federal agencies. It also stated the major concern for potential abuses presented by the government 's increasing use of computers to store and retrieve personal data by means of a universal identifier - such as an individual 's social security number. Along with 5 USC 552a, these two laws are to protect the consumer 's personally identifiable records maintained by agencies.

15 USC 6801 ( a ), states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 USC 6802 9b ) ( 1 ) A financial institution may not disclose nonpublic personal information to nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct reheat such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of h ow the consumer can exercise that nondisclosure option.

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 to XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: MD

Complaint narrative:
According to the Privacy Act of 1974, it was created to protect and curb the illegal surveillance and investigation of individuals by federal agencies. It also stated the major concern for potential abuses presented by the government 's increasing use of computers to store and retrieve personal data by means of a universal identifier - such as an individual 's social security number. Along with 5 USC 552a, these two laws are to protect the consumer 's personally identifiable records maintained by agencies.

15 USC 6801 ( a ), states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 USC 6802 9b ) ( 1 ) A financial institution may not disclose nonpublic personal information to nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct reheat such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of h ow the consumer can exercise that nondisclosure option.

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 to XXXX, XXXX and Experian.

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 2023-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am writing to formally request an investigation into and the removal of unauthorized hard inquires on my credit report. I recently discovered these inquires on XX/XX/XXXX when reviewing my credit report, and it has come to my attention that I did not provide consent for such inquiries to be conducted. 

Below are the details of the unauthorized hard inquires : Creditor Name : Cap One Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry Creditor Name : Cap One Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry Creditor Name : Cap One Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry I would like to emphasize that I did not authorize any entity to make a hard inquiry on my credit report at the specified date. I am concerned about the potential impact of this unauthorized inquiry on my credit score and overall creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I am currently unemployed and I don't have any way of paying for my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
I was contacted by someone claiming to be from my bank about suspected fraudulent activity on my account. This person claim to be helping me take care of the issue but instead he helped himself take {$1600.00} out of my account. When I filed a dispute with my bank it was denied, even after all the proof I provided of this scammer. When i called to request documentation as to why it was denied, i was told they would email me the documentation and this person supposedly filed a rebuttal to the dispute. I never got an email about the rebuttal or documentation about my denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am not liable for the debt with XXXX XXXX XXXX I do not have a contract with Hunter Warfield Inc, they did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I purchased event tickets for a specific date, XX/XX/XXXX, which is a Wednesday. In reviewing the tickets it correctly shows XX/XX/XXXX but it can only be used on used on the weekend and holidays. I reached out to the company, XXXX, to have the ticket amended. They refused and said there are no refunds. This was a error with their system. I disputed the charge with Capital One who requested more information from me after they received a reply from the vendor. Information provided from vendor shows information from someone else and for a different activity. Capital One closed dispute and asked me to work with vendor. 

Vocher.pdf file shows ticket only good for fri, sat, sun or holidays, but only valid for XX/XX/XXXX making it useless Dispute Update XXXX file shows on page 6, the same information as the useless voucher. And page 7 shows information for a different customer and different activity

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-23 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: NY

Complaint narrative:
The following accounts are reporting on my credit but is not mine XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in which I never had. Then there's also inquires on my report for credit items I haven't applied for which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit has been compromised because of this accounts and inquiries. They are hindering me from buying home for family. This is not acceptable and I was hoping that help could be provided for my sake.

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have been have issues with my Equifax Credit Monitor, a product that is paid monthly in return for credit report analysis. I purchased this product on XX/XX/XXXX. It has served me well until XX/XX/XXXX when the product quit providing the information it had promised me. The error message said it was a temporary problem. 

Ive reached out to Equifax seeking a resolution. Apparently, they are unable or unwilling to resolve this issue. Dates I reached out : XX/XX/XXXX- I was told it would take 7-10 days to resolve the issue. On subsequent calls, I learned that my issue was not escalated on this date. In other words, my request for help was ignored XX/XX/XXXX - Once again, I was told it would be 7-10 days to resolve XX/XX/XXXX - called in. No results. Equifax didnt escalate this because they claim the call was disconnected. They did not reach out to me after the disconnection XX/XX/XXXX - I called once again. I confirmed that nothing was done despite the representative telling me it would be escalated XX/XX/XXXX - The product worked for XXXX day XX/XX/XXXX- I was told it would be resolved in 3 days. I was also told that if a changed my browser to XXXX the application would worked. I questioned this as there are millions of XXXX users. They were insistent. I tried XXXX and my product still doesnt work. 

XX/XX/XXXX- I followed up on the call from XX/XX/XXXX. I was told it would be 7-10 working days despite being told 3 days on XX/XX/XXXX In addition, my credit report is not available through XXXX. Logically, it must not be available to any creditors should I apply for credit. I have no confidence in Equifax that this will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I signup for XXXX capital one They said give {$300.00} credit statement when i spend {$500.00} as early promotion as promised When i called first time they said it will appear after 3 billing cycles After i called after 3 billing cycles saying it is not linked to my agreement I want them to give {$300.00} credit statement as promise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check for {$3400.00} at a Wells Fargo ATM in XXXX XXXX. The bank wrongly adjusted my deposit. On XX/XX/2023, I spoke with Wells Fargo 's ATM department. They said that they would review my deposit and the funds would be available the next day. That same day I made a second call to check the status. They said the bank accepted the deposit and that they re-deposited the fund to my account, that I should have the funds by the next day. On XXXX XXXX, I did not get the funds. I called the ATM department again. They said they were having technical difficulties and that the funds should be ready by XX/XX/2023. I called a second time that day to confirm that I would have access to the funds XX/XX/2023. They said most likely I would have access by the XXXX but worse case scenario I would have the funds on Tuesday, XX/XX/2023. I didn't get the funds XX/XX/XXXX. I called Wells Fargo 's costumer service and they did not tell me the reason why my funds do not show up on my account.

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 2023-12-23 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: NY

Complaint narrative:
The following accounts are reporting on my credit but is not mine XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX in which I never had. Then there's also inquires on my report for credit items I haven't applied for which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit has been compromised because of this accounts and inquiries. They are hindering me from buying home for family. This is not acceptable and I was hoping that help could be provided for my sake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
REMOVE HARD INQUIRIES EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
They keep selling my mortgage my interest rate goes up and the link in time of the loan keeps getting bigger taking longer to pay for there is a deferred balance on the account that's not even legit I want to sell the property and get out from under it or I can no longer afford it and I'm up in age to where I can't afford it. These mortgage companies are doing wrong with every one processing their accounts correctly. Always ripping people off not posting info to accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
I received checks with my name and ( former ) address on them from FNBO via Deluxe. I have never used this bank nor did I request any checks. I also received a letter from the bank stating that they placed my account on hold due to suspected fraud. I called and they said that an account was opened with my personal information on XX/XX/2023 but that since hearing from me they would be sure to close the account.

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 2023-12-23 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:
REMOVE HARD INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FOR TRANSUNION 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 2023-12-23 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: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.

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 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Im reporting fraud on my debit cars and the information was stolen and used to send {$1000.00} on XXXX. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.

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