vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

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 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have overdraft protection turned off on my account. I did this so that I wouldn't go into a negative account balance, with the expectation that any transactions would be declined that would put me into a negative balance.

When I saw that not only did Chase allow for these transactions to occur, but I was charged {$34.00} overdraft fees PER TRANSACTION, one of which was under {$10.00}. 

I called Chase and they said that, regardless of me declining the overdraft " service '', that ultimately it was " to Chase 's discretion '' which transactions were covered and that Inhad no control over which transactions were declined or not. 

Per H.R. 4277, the Overdraft Protection Act. " Specifically, the bill would require financial institutions that offer overdraft coverage for accounts to disclose : ( i ) the specific amount of overdraft coverage fees ; ( ii ) that the consumers transaction may be declined if there are insufficient funds in the account; and ( iii ) that the consumer will not be charged a fee if the transaction is declined. The bill also requires prompt notice of an accounts overdraft status, limits the number of overdraft coverage fees a consumer may be charged in a given month and year, requires that such fees be reasonable, and prohibits a fee if the overdraft results solely from a debit hold amount that exceeds the actual dollar amount of the transaction. Finally, the bill further restricts financial institutions from charging a NSF fee for any ATM or debit transaction and from reporting negative information regarding consumer use of overdraft coverage to any consumer reporting agency when the overdraft amounts and coverage fees are paid under the terms of an overdraft coverage program. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20 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: CA

Complaint narrative:
Hello, Ive tried to dispute this negative impact on my report from the lending club. Ive stated serval times that they did not notify me in regards to a charge off on my account. I spoke to representatives they didn't tell me my account is past due these days in delinquent status. I scheduled a XXXX payment on the account. That was it. I didn't receive an email, a letter by mail, or a call regarding this account status being close to a Charge off. I spoke to someone regarding this matter they said it reached its maturity date. So went on and charged off my account. Its hurting my credit report poorly. I settled the debt of the XXXX. All Im asking that this negative reporting be removed off my credit report. 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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-09-20 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2023 I went to the Chase Bank XXXX XXXX XXXX XXXX, CO to apply for the Chase Sapphire XXXX ( XXXX ) in branch offer - XXXX point ; XXXX after {$4000.00} after in 3 months of spending, and XXXX additional points after {$6000.00} total spending. I met {$6900.00} worth of spend within XXXX billing cycles ( XXXX days ). However, only the public XXXX offer of XXXX points posted. I inquire both in my Chase secure message portal and with the banker where I applied " in-branch ''. Neither was able to match, honor, or provide a courtesy adjustment for the remaining XXXX points. Of note, the in-branch banker reported technical difficulties with the offer. They ended up sending me a link to apply for the credit card on my phone. I inquired if this would be an issue and was reassured by the banker that this would not a problem ( the full points should post no problem ). I was also reassured that if there was a problem, they would later be able to rectify the issue and adjust the points ( XXXX? ) later. So far, nearly 90 days later, this has not been the case. The branch banker has reportedly taken details notes on this issue. The issue was escalated by me and the banker and it was still determined that there was no recourse for resolution. So this at least falls under : XXXX ) some kind of technical mismanagement of the company, or XXXX ) borderline fraud/false advertising or promises related to the promotional offer. And a general lack of courtesy, consideration, etc. to the customer. I have been a mostly pleased, profitable customer until now. Reconsidering that business/relationship now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: KS

Complaint narrative:
I made a payment to Aidvantage for roughly {$5000.00} to pay off my loan balance. Upon reviewing my account, I noticed that they charged my bank account twice and have almost {$10000.00} taken out of my account. 

I have called several times to get my money back and each time I get a different response from a different call center represenative and different manager. Managers : XXXX XXXX and XXXX XXXX have been extremely disrespectful and unwilling to help in the manner. 

I was told the money would be back in the account in a week. Then a different manager said it could take 30 days. Now, I am being told it can take 8-12 weeks by XXXX XXXX . I feel hopeless and taken advantage of. 

If you look at reviews of their company, they have done this to several other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, there were 2 charges of {$230.00} from XXXX charged to my Citibank credit card. I immediately called Citibank to report the fraud. They applied credits immediately while it was being investigated they then charged my card back 1 1/XXXX months later. XX/XX/XXXX. I called and they said that I purchased the items and they would not credit my card. I called to speak 8 times with no progress. I found out the XXXX XXXX XXXX  and it was delivered to a different address. So they didnt even investigate.

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 2023-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
NELNET IS THREATENING ME AS A XXXX PERSON AND VETERAN WITH THEIR XXXX XXXX RESPONSE TO MY COMPLAINTS REGARDING THEIR REFUSAL TO CONTACT THE US DEPARTMENT OF EDUCATION AND REMOVE THE LATES FROM XXXX WHEN I WAS UNHOUSED WITH NO MONEY ASSETS OR TELEPHONE TO CONTACT THEM!! I HAVE REPORTED NELNET TO US SENATORS XXXX AND XXXX OF FLORIDA, THEY HAVE OPENED AN INQUIRY, AND THE FLORIDA ATTORNEY GENERAL AND THE ATTORNEY GENERAL OF THE STATE THAT YOU ARE INCORPORATED IN!! I HAVE FILED A COMPLAINT WITH THE DEPT OF EDUCATION INSPECTOR GENERAL AGAINST NELNET AS WELL TO HAVE THESE INACCURATE LATES REMOVED!! NELNET YOU ARE SO DIRTY AN EVIL AND REFUSE TO HELP A XXXX VETERAN NOT BECOME HOMELESS! I AM NOT OPENING A DISPUTE WITH THE CREDIT BUREAUS!! YOU WILL REMOVE THE LATES FROM MY CREDIT REPORT AND CONTACT THE DEPARTMENT OF EDUCATION IN THIS MATTER! US SENATORS XXXX AND XXXX OF FLORIDA ARE INVESTIGATING YOUR COMPANY AND ITS RESPONSE IN AN INQUIRY TO THE US SECRETARY OF EDUCATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: KS

Complaint narrative:
ITS ON MY CREDIT REPORT AND I CANT DO THE HOMEONWER PROGRAM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
THESE ACCOUNTS IS NOT MINE 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THESE ACCOUNTS IS NOT MINE 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 explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A total of five unauthorized inquires from three companies are on my TransUnion consumer report, I never benefited from any of these transactions between TRANSUNION and these companies and I never gave these companies my consent to pull my consumer report and add information to it. TRANSUNION never even disclosed to me that they received a request from these companies to pull my consumer report. Pulling up my nonpublicinformation without consent and adding information on top of that is identity theft XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I've never received a loan statement for a regulation Z violation.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
This credit was reportin inaccuries on my credit report I call company about my credit worthiness and could not get this resolve. I made several attempts into resolving this matter. I made an agreement to pay it off and to have negative remarks taken from my credit report as the company Truist agreed if I settle the account. It is still reporting negative on 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 explanation