vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 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:
I did not authorize the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Publishing of Listed addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 



15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently checked my credit and noticed a handful of fraudulent inquiries and accounts still reporting on my credit report. I've been going back and forth with the bureau since XX/XX/2022 trying to get this fix because I am a victim of identity theft. This has been nothing but frustration and stress. I did not consent to, authorize nor benefit from any of the following accounts and inquiries. Block and delete 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 non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexis Nexis, Please update my report with my attached contact details. 

Once complete please email or mail me the updated report. 

Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have called several times a day for months by a robo number that hangs up when I answer. Sometimes I call back to speak with someone and I'm on hold for twenty or more minutes at a time. 

When I finally spoke with a " supervisor " about this matter, I was told I would be sued. I informed him that I needed to verify this was my debt and he in turn said his scripted message and hung up. The document sent by XXXX is a standard letter that anyone can produce. 

I also gave this company my updated address to receive the documents.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC
State: MD

Complaint narrative:
OPPFI/XXXX Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Attached you will find previously sent Letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2023 a transaction of the amount of {$1100.00} was charged in my Chase Credit Card account. 
After investigation, I come to find out that the charge came from XXXX. an Online Cellular company service with whom I also have service with. 
I reached out to the company to understand the charge, and I then found out that a new line was created in XXXX and that a new phone was also purchased. 
I Informed XXXX  that I never placed the order and that this is not mine and demanding refund of the money. XXXX refused stating that i received the device that was ordered and shipped to my address. 

I contacted my credit card company : Chase and opened a dispute.

Chase issued a temporary credit then reversed the credit 2 weeks later with no valid reason of why they reverse the charge. 

I reported a fraud since I never ordered the device, I never received a device, and I never have an account with on that specific order. Visible also confirmed that they closed the order and account as soon as i reported fraud to them. 
It seems that chase never investigate the claim not attempted to go thru the report to get the true understanding of the matter.

I am demanding a refund of the charge, {$1100.00}, on the basis, that I never processed this purchase which I reported as a fraud to both companies. 

Chased also acknowledged the fraud and issue a new card but never work on addressing the case as it should. 
Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NY

Complaint narrative:
I have requested a refund for the additional payments ( {$100.00} over 4 loans ) on my student loans from edfinancial. They refused to respond and have taken my money for months now. I have already finished paying off my student loans and just want to know how to get my money back, but they are not cooperating in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Today, XX/XX/XXXX, I received a letter from Bank of America notifying that this bank could not help with " my '' credit card request. Since I do not have any idea what that mean to me, I would like to notifying this letter.

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 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: NH

Complaint narrative:
XX/XX/2023 - XXXXXXXX XXXX  XXXX - called Account opened with XXXXXXXX XXXX  under my name on XX/XX/2023 -. This is XXXX of XXXX occurrances and am in the process of reporting all - XXXX sent me adebit card and verfication of account opening via mail. I reached out to them via phone XXXX. 
They advised that they will close the account but I got no verification. This complaint will be part of a report that will be filed with the XXXXXXXX XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Two weeks ago I spoke with a representative from Wells Fargo regarding my delinquent auto account. I explained to the representative why the account was delinquent and that I was in the process of bringing the account current. I also informed that representative that I would be making a {$610.00} payment ( monthly payment plus late fee ) on XX/XX/2023, of which I did. The payment cleared my bank account on XX/XX/2023. On XX/XX/2023 I received a phone call from a Wells Fargo representative inquiring about when the next payment would be made. I explained to her that I had already explained to the previous representative why the account became delinquent and that I was still working on bringing the account current. There are options available to help me with this situation, however, I have been told that I DO NOT qualify for any of those options.

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 2023-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I found several unrecognized payments from my saving account on Chase bank. I immediately call my bank when I found out this problem because I think thats a fraud, I called the bank customer service last XXXX  ( XX/XX/2023 ). They said will send me a result by email in XXXX days. But I called them again today ( XX/XX/2023 ). Then they said can not guarantee that how long I need to wait. I called them 3 times but still no any updates, just let me wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Today is payday, which is the XXXX and XXXX of every month. I have direct deposit. I picked up my pay check that shows direct deposit but the bank doesn't have it. They don't know what happened. I got hung up on by the representatives 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
So, this account is showing as in collection when it was paid in full years ago and it's showing as if it's in bad standing when they told me it would show in good standing. I was also told once paid it would be removed from my credit report and it would be removed from XXXX XXXX credit report also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: Colony Brands, Inc.
State: TN

Complaint narrative:
Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) { Seventh Ave }. Making the report is NOT INCLUEDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the referenced account. YOU HAVE 10 CALENDER DAYS FROM THE RECEIPT OF THIS NOTICE TO DELETE TRANSACTION FROM MY CONSUMER REPORT AND SEND OUT A NOTICE THAT SAID TRANSACTION WAS IN FACT DELETED FROM MY CONSUMER REPORTS. Failure to respond satisfactorily with deletion of the above Transaction/Late Payments, will result in legal actions being taken against your company, for which I will also be seeking Actual Damages as a result of your failure to comply with the law and the sections of the Fair Credit Reporting Act for the following violations : Any Actual Damages Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I am writing to express my profound frustration and dissatisfaction with the handling of my Apple Card account concerning unauthorized charges and an inaccurately increasing balance. Despite reporting the theft of my Apple Card and unauthorized transactions promptly, the situation has not been adequately addressed, and I find myself in a perplexing and challenging predicament. 
The incident unfolded when I realized my Apple Card was missing, and I promptly reported the theft to the relevant authorities. Subsequently, I contacted Apple to inform them of the situation, expecting swift action to rectify the unauthorized charges. However, the response has been disheartening, with the reported transactions remaining on my account despite multiple attempts to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: AFNI INC.
State: MD

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant to 15 USC 1602 [ a ] that your Company never that your company never provided adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 [ k ] the terms adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation un 15 USC 1602 [ k ].

Further pursuant to 15 USC 1601 [ a ] consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end I have not benefited from this transaction which again is a violation of 15 USC 1602 [ p ].

According to 15 USC 1602 [ p ] The term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to do the below mentioned things : DELET THESE ACCOUNTS AND VALIDATE THE DEBT 15 USC 1602G [ 4 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX now ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, I will not escalate this matter to the Federal Court. in case, you dont accept the above request a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Since XXXX XXXX XXXX. 

ALL RIGHTS RESERVED WITHOUT PREJUDICE UCC1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I submitted a dispute to XXXX XXXX via email on XX/XX/2023 and via mail as well. The mail communication was sent on XX/XX/2023 and received by XXXX XXXX on XX/XX/2023. The communication was a dispute for the account number According to the FCRA 623 ( A ) ( # ) and ( A ) ( C ) and FDCPA 807 ( 8 ) the data furnisher has a duty to provide notice to the credit bureaus within 30 days. XXXX XXXX was required but Failed to notify the credit agencies of the dispute and therefore. I also contacted the credit reporting bureaus disputing this account and they failed to add the notice of dispute this account. Please see attached report.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted a dispute to XXXX XXXX via email on XX/XX/2023 and via mail as well. The mail communication was sent on XX/XX/2023 and received by XXXX XXXX on XX/XX/2023. The communication was a dispute for the account number According to the FCRA 623 ( A ) ( # ) and ( A ) ( C ) and FDCPA 807 ( 8 ) the data furnisher has a duty to provide notice to the credit bureaus within 30 days. XXXX XXXX was required but Failed to notify the credit agencies of the dispute and therefore. I also contacted the credit reporting bureaus disputing this account and they failed to add the notice of dispute this account. Please see attached report.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to address the credit reporting discrepancies involving Experian on my consumer file. Despite multiple attempts to resolve these matters directly with Experian, they have not adhered to the CDIA and FCRA guidelines. Experian has inaccurately labeled various accounts as delinquent, despite my consistent and timely payments. Moreover, they have neglected to update my file with positive account information, resulting in an inaccurate portrayal of my creditworthiness. I kindly seek your assistance in ensuring that Experian adheres to the necessary consumer reporting laws and regulations.

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 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I paid my monthly due throughout the Pandemic pause even after the following timeline began... 
XX/XX/XXXX I was notified that my servicer Mohela would process my loan forgiveness XX/XX/XXXX Received an email from Mohela that my student loans were forgiven XX/XX/XXXX US Dep of Education emailed notification that the payment pause was ending and that I should check with Mohela because my account was awaiting discharge On or about XX/XX/XXXX I called Mohela customer service and was told that my file was processed on XX/XX/XXXX and the refund would be redeposited in the manner paid within 60 days after the call, I checked the app, the app showed a {$0.00} loan balance but a credit balance of {$15000.00} ( I took a screenshot ). 
XX/XX/XXXX I called 3 times, the first time the wait was XXXX minutes but the call was answered at XXXX minutes. When I finally spoke to a rep she said there was no file -- I explained that it had been forgiven and gave the old account number. I was on hold for XXXX minutes so she could talk to her supervisor, and she came back again and said she would transfer me to her supervisor, I held for XXXX minutes and the call disconnected. I called back but the call center message said I needed to call during hours of operation. 
XX/XX/XXXX I called again and waited for XXXX mins. This representative saw that there was previously a credit but indicated refunds would take 90 days. 

I just want a solid answer on when I should see this refund.

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