vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 I applied for credit with AMERICAN EXPRESS and was denied. This is a violation of Equal Credit Credit Opportunity Act which is codified in 12 CFR Part 1002, also a violation of 15 U.S.C 1681m. This is proof of fraudulent activity ( unauthorized use of credit card 15 USC 1602p. The Card applied for was an AMERICAN EXPRESS Amex Card with a {$50000.00} limit and 110,000.00 flyer miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I am enrolled in the XXXX XXXX XXXX XXXX program. For the past XXXX years I have been certifying my employment, annually, with my qualifying employer. As required by the XXXX program, I have now completed over XXXX months of work at my qualifying organization. My loan servicer, Mohela, has verified XXXX of those payments. 

Now that I have literally only XXXX payments for them to verify, Mohela claims that it will take them well into the summer to verify these payments. I find this completely unacceptable, especially as Ive been diligently verifying these payments over the past XXXX years, being told each year that doing so would help my loan servicer process everything faster at the end. 

Whats worse, because of the XXXX law, I have to stay employed at a qualifying organization not just while making the XXXX payments, but also until those payments are reviewed and forgiven. I am therefore completely at XXXX whim until they decide to review and process these XXXX simple payments, which as they claim could take well into the end of summer. 

This timeline is ridiculous ; Mohela is putting my life, and the lives of thousands of others engaged in this process, in complete limbo, XXXX and waiting, hoping, for them to speed things along.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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 15 USC 1681. 

Account name : # XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681.c ( a ) ( 5 ) Section States : no consumer reporting agency may make consumer reporting containing any of the following items of information. Any other adverse item of information, others than records of convictions of crimes which antedates the reports by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
Comes Now, Executor of the Precedent Vested Estate XXXX XXXX XXXX, XXXX XXXX, XXXX here to settle all matters dealing with the principal debtor. As an Investor of the United States, Certificated Security Holder of the principal debtor/Franchise/Cestui que Trust XXXX XXXX XXXX, I have dominion over all rights/interest of the principal debtor, all enjoyments, proceeds, titles, deeds, bonds, chattel papers and securities are due unto me as I have the right of subrogation as the holder in due course. All property of the Precedent vested Estate has been conveyed into the Jurisdiction of the XXXX XXXX XXXX LIVING TRUST.

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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

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 15 USC 1681. 


U S DEPT OF EDXXXX XXXX XXXX {$8600.00} - Has violated my rights U S DEPT OF EDXXXX XXXX XXXX {$8600.00} XXXX Has violated my rights DEPTEDXXXX XXXX - {$0.00} - Has violated my rights U S DEPT OF EDXXXX XXXX - {$8600.00} -Has violated my rights XXXX XXXX - {$0.00} - Has violated my rights XXXX XXXX - {$0.00} - 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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
THESE ACCOUNTS ARE NOT MINE THESE ACCOUNTS ARE FRAUD. 

XXXX, XXXXXXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
i have contacted the company to advise that i was victim of fraud while i was in XXXX the company has failed to verfiy the accuarte information so i am demanding it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: MD

Complaint narrative:
I have filed two other complaints about Navy Federal Credit union - A few days ago they decided that the credit they already gave me on my XXXX XXXX card for fraudulent activity is now added to my balance of my credit card - I have a credit amount of {$15000.00} and now my credit card balance is over {$24000.00} When I called they told me it was found to be fraudulent and the credit would stand Navy Federal has ruined me - ruined my credit and ruined me getting bank accounts anywhere along with my credit rating going down. 

These companies that have fraudulently charged my accounts are from XXXX XXXX, XXXX ( a gift card buying web site ) of which I DID NOT PURCHASE ANYTHING FROM THEM OR RECEIVE ANYTHING!!! 

THE REASON NFCU IS DENYING THE FRAUD CLAIMS IS NO BILLING ERROR HAS OCCURRED. OUR DETERMINATION WAS MADE BASED ON YOUR TRANSACTION HISTORY, ACCOUNT HISTORY AND/OR DISCREPANCIES BETWEEN THE FRUAD CLAIM NAND NYOUR ACCOUNT NFCU OWES ME A LOT OF MONEY AND THYE ARE JUST DENING THE CLAIMS TO HURT VETERANS AND THEY BREALY DO NOT CARE ABOUT THE PEOPLE THEY SERVE. 

I NEED THE MONEY NAND THEY NEED TO HOPEFULLY RESTORE MY CREDIT RATING THIS IS AGAINST THE FEDERAL BANK REGULATIONS- IF YOU REPORT FRAUD IN A TIMLEY MANNER THEN YOU ARE NOT RESPONSIBLE FOR ANYTHING OVER {$50.00} - THIS IS THOUSANDS OVER NFCU HAS PUT MY CREDIT RATING BELOW 600 AND CLOSED ALL OF MY CHECKING ACCOUNTS AND WILL NOT REISSUE MY XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I had unauthorized activity in my Coinbase account resulting in XXXX transactions : XXXX Buy XXXX XXXX USD XXXX XXXX XXXX XXXX Bought XXXX XXXX for {$400.00} USD XXXX Buy XXXX XXXX USD XXXX XXXX XXXX XXXX Bought XXXX XXXX for {$150.00} USD XXXX Sell XXXX XXXX USD XXXX XXXX XXXX XXXX Sold XXXX XXXX for {$520.00} USD I did not authorize these transactions. I never received a text message to authorize them. I never received emails confirming these transactions. Furthermore, my account was locked on XX/XX/XXXX and XXXX with no access to make any transactions. 

Coinbase has failed to protect my account from hackers and inform me of the ongoing unauthorized activity in my acount. 

I would kindly request to return {$550.00} in cash stolen from my Coinbase account. 

I have not received any meaningful resolution while speaking with the customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I purchased something from a website on XX/XX/XXXX just to find out it was a scam. I contacted my bank and told them this and sent them emails exchanged between myself and the merchant. The merchant responded and stated that my refund will be sent within XXXX business days from the XXXX of XXXX. I sent these emails to my bank and they denied my claim for a refund. I then reached out to the merchant again to verify and they have been silent since the XXXX of XXXX. When I try to call the number on their website it says it is disconnected. My bank told me to resubmit and someone higher up will take a look. They then told me they will follow up. After about XXXX days I reached out and they said that it was denied again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Performance transferring the principal to the principal account for the principal. 
Federal Reserve Act Section 16. Note Issues The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington XXXX District of Columbia, or at any Federal Reserve 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 explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

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 15 USC 1681. 


XXXX # XXXX - Has violated my rights XXXX XXXX XXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX - Has violated my rights UNKNOWN XXXX -Has violated my rights XXXX XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX XXXX XXXXXXXX - Has violated my rights XXXX  XXXX XXXX - {$0.00} - Date Opened XX/XX/XXXX -Has violated my rights UNAUTHORIZED INQUIRIES XXXX XXXX XXXXXX/XX/XXXX - Has violated my rights XXXX XXXX Has violated my rights XXXX XXXXXXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/ at approximately XXXX XXXX called from Navy Federal to collect on a loan payment. The loan reached its maturity so XXXX suggested that i refinance the loan. I asked XXXX if i should make a payment to avoid a 30 day late credit report. XXXX insisted that i did not need to make a payment because the refinance application would place a hold on the account so it would not report late. Over the weekend the new refinance was completed. The old loan was reported 30 days late contrary to what XXXX stated would happen. I called Navy Federal collections spoke with XXXX who reviews the call & stated i had never asked about preventing the 30 day late report which is a blatant lie. I asked to get a transcript of the call & the contact to navy Federal executive office for consumer complaints, XXXX states she could not provide any information regarding executive officers or the VP of collections. I have never had any late credit reporting. I would have made the payment in order to avoid the late reporting but i was following the process as advised by Navy Federal collections representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received a Prepaid American Express Gift Card for {$100.00}. Card # XXXX XXXX XXXX exp XX/XX/XXXX sec code on front XXXX. I didnt use the card. I went online to check the balance to see that it had been used on XX/XX/XXXX at XXXX XXXX for {$100.00}. This was not me. It is an unauthorized fraudulent purchase. I called AMEX on their phone number on the back of the card. Was on hold for 48 minutes to be told that I need to call the place it was used. AMEX has no responsibility. How can AMEX have no responsibility to address fraud? I followed AMEX direction and Called XXXX XXXX at XXXX to be told they couldnt do anything and that I needed to call AMEX the company who issued the gift card. I then called back AMEX. They continued to say they could not help me. This is unacceptable. Banks are required to follow Regulation E for unauthorized transactions and AMEX basically told me they had no responsibility. 

This entire process took me over 3 hours to get nothing resolved as no party will help me. At this point I am out {$100.00}. 

The information on the back of the gift card is the following : Visit AmexGiftCard.com/Balance or call XXXX for balance. Issued by American Express Prepaid Card Management Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  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 an 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 or 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 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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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 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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation