vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
XXXX Unauthorized Transaction. 

I contacted the company on or about XX/XX/XXXX which was a Thursday to make a complaint of an unknown authorized transaction claim # XXXX Account ending in XXXX when i spoke to the rep on the phone they stated it looks like you authorized the transaction and M & t most likely will not refund you your money This was on a Thursday I received a letter in the mail dated XX/XX/XXXX which was a Sunday stating that they completed a Thorough investigation which i highly doubt based off of the time frame of the complaint and the date of the letter. I received this Letter on XXXX This was a XXXX TRANSACTION through XXXX and my Bank soon as i was made aware and seen the transaction on my transaction history I did not hesitate to call the Bank. According to The Electronic Transfer Act i Have 60 Days prior to the discovery of any unauthorized transactions to make the bank aware according to this act the consumer is liable for XXXX of the unauthorized transaction I need to be refunded for this transaction. Soon as I got the letter I reached out to my bank, and they gave me no answers they said XXXX would reach out to me and I contacted XXXX and they told me to reach out to my financial institutions again i got no answers. I Have attached the letter response from M & T. Also M & T was involved in a data breach back in XXXX and they stated none of my information was leaked however this unauthorized transaction may be due to this issue I have also attached as well. I plan on making a complaint with the comptroller of Currency and the Attorney General 's Office as well as the FTC. I am asking to be refunded for this unauthorized transaction I know the bank has filed a claim and they will be paid regardless so I need to be refunded for this unauthorized transaction. 

M & T should also not be providing 3rd party information to non affiliates without my written consent involving XXXX which is a direct violation of The Privacy Act of 1974 also holds fines up to XXXX for providing such information that i never consented to giving.

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 2024-02-02 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: TX

Complaint narrative:
I am writing to express my concern regarding the unauthorized reporting of my personal information and that of my cosigner. I recently became aware that our information has been reported to my credit without our explicit consent. 


As you should be aware, The Privacy Act of 1974, as amended, specifically under 5 U.S.C. 552a, establishes a code of fair information practices governing the collection, maintenance, use, and dissemination of information about individuals maintained in systems of records by federal agencies. A system of records refers to a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

Additionally, our rights are protected under the Family Educational Rights and Privacy Act ( FERPA ), as outlined in 20 U.S. Code 1232g. This legislation ensures certain conditions for the availability of funds to educational agencies or institutions, and it guarantees individuals the right to inspect and review their education records. Any disclosure of these records without proper authorization is a violation of our privacy rights.

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; 20 U.S. Code 1232g - Family educational and privacy rights U.S. Code ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings ; written explanations by parents ; definitions

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 2024-02-02 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: TX

Complaint narrative:
I am writing to express my concern regarding the unauthorized reporting of my personal information and that of my cosigner. I recently became aware that our information has been reported to my credit without our explicit consent. 


As you should be aware, The Privacy Act of 1974, as amended, specifically under 5 U.S.C. 552a, establishes a code of fair information practices governing the collection, maintenance, use, and dissemination of information about individuals maintained in systems of records by federal agencies. A system of records refers to a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

Additionally, our rights are protected under the Family Educational Rights and Privacy Act ( FERPA ), as outlined in 20 U.S. Code 1232g. This legislation ensures certain conditions for the availability of funds to educational agencies or institutions, and it guarantees individuals the right to inspect and review their education records. Any disclosure of these records without proper authorization is a violation of our privacy rights.

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; 20 U.S. Code 1232g - Family educational and privacy rights U.S. Code ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings ; written explanations by parents ; definitions

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 2024-02-02 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: VA

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.

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 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 2024-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
On XX/XX/XXXX three American Express Gift Cards for XXXX} each ( a total of {XXXX} ) were purchased from the XXXX store located at XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX. These cards were given to our XXXX children as XXXX Gifts. 

On XX/XX/XXXX, these cards were attempted to be used at three different gas stations across the state of Utah. None of them worked. 

After multiple attempts to use the cards, they would never work. On XX/XX/XXXX we checked the balance on the cards. Each of the XXXX cards had a balance of {XXXX. The first card had XXXX charges from XXXX XXXX XXXXXXXX, and XXXX which exhausted the {XXXX. The second card had one purchase from a mushroom company in XXXX, CO, exhausting the full XXXX}. And the XXXX  card was used in XXXX cities : XXXX XXXX, XXXX, and XXXX - exhausting all funds. We were never able to use the cards and we never visited these locations. 

After being an AMEX card member for more than XXXX  years ( and currently holding one of their highest-fee cards ), we sent in a dispute and our dispute was rejected without any type of clarity or information. The case number is # XXXX. 

These card numbers were clearly stolen before we could use the cards. The packaging is such that the card numbers and other necessary details can be viewed without opening the packaging on the card. We are now out {XXXX} and AMEX needs to reimburse us for their insecure and ill-packaged product.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.U 1681 section 602 A States I have the right to privacy. 

15 U.S.U 1681 Section 604 A Section 2 : Its also states a cunsumer reporting agency can not fumish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm filing a complaint against XXXX asset strategies Equifax and XXXX for violating my legal rights to an accurate credit report supported by the fair credit act FCRA please see attached letter for more thorough information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After being with my bank for over 25 years all of my accounts were closed by Bank of America on XX/XX/XXXX without any notification. I did not have any penalties or violations on my account. When I called they said they had made a business decision to close my account. 
I'm in the process of transitioning my accounts and I went to transfer my rewards cash to my account and was unable to transfer. They stated that because accounts are closed I can not get my rewards cash. The amount of rewards cash is about {$5000.00}. 
This is completely unfair. They closed my accounts and cause a disruption and then I lose the {$5000.00} that they owe me. I'm okay working wth another bank and prefer to work with a company that wants my business. But stealing {$5000.00} from me is criminal. 
I called and they escalated it to a hire department. They only state that their policy is that once account is closed by either party your rewards are cancelled. 

I still have a balance on my credit card that I'm obligated to pay.

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 2024-02-02 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: MI

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: CT

Complaint narrative:
The IRS provided Conserve a debt. The debt was paid directly to IRS. Conserve still requested the funds in which unknowingly paid to them. They were not willing to resolve this issue and proved a refund of amount paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: SC

Complaint narrative:
Ive sent letters and even went as far as too involve the three credit reporting bureaus for an investigation into this account and they all have verified it as accurate but they are all reporting different information. Correct the amount and send proof that I owe this debt. You are reporting different charges with different amounts and dates and claiming its all accurate. The account is closed and yet the balance keeps going up and I havent received a statement of what these charges are. I havent received a statement from this company at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-02 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:
Please see attached file

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 2024-02-02 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: UPGRADE, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 6o2 states I have a right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on 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 2024-02-02 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: CA

Complaint narrative:
My information has been improperly used. Now my credit report has this item that is not 100 % accurate. To make matters worst, my credit card limits got reduce because this inaccurate item is hurting my credit

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 2024-02-02 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX Account Number : 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 2024-02-02 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: WI

Complaint narrative:
I filed a complaint with you all and it was sent to Experian and instead of responding back the same way I sent in the complaint they sent me a letter stated what they can not do and what I need to do in order for them to investigate which it is clear evidence right in my report which states everything I am requesting them to do. Which they are in noncompliance of the law.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PR

Complaint narrative:
Under the Family Educational Rights and Privacy Act ( FERPA ), my educational records are protected and should not be disclosed. Consequently, any alleged debts revealed that are linked to these records contravene the Family Educational Rights and Privacy Act of 1974, as outlined in 34 CFR 99. Therefore, they must be promptly eliminated from my consumer reports. 

Furthermore, per the FCRA, as a federally protected consumer, I am now also opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. ( 6805 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: AL

Complaint narrative:
I was in a very desperate position, financially, and found maxlend online. I went through the application process and was approved for a loan. I received a call from a live agent, and her and I went over how much I wanted to borrow. Originally it was {$500.00} until she told me how much Id be paying each payment so I asked what the minimum was, which was {$400.00}. I was told that it would be either 9 payments of {$100.00} or 18 payments of {$53.00}. As anyone would, I assumed the 18 payments would be every two weeks when I get paid or the 9 payments would be monthly, as the loan term is for 9 months. I even asked what the interest rate was in which she couldnt tell me for whatever reason. Likely bc its 650 % and she knows I wouldve hung the phone up right then. Lastly I call them furious, get nowhere and decide Ill look at the agreement and to my amazement the 18 payments are not for {$53.00} ( that was just the first payment ) the 18 payments are 18 payments of {$100.00}! Nobody with a functioning brain would agree to pay {$2000.00} back on a {$400.00} loan. I most certainly would not have. Very deceptive and extremely predatory!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: LEXISNEXIS
State: VA

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.

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