vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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

XXXX XXXX XXXX in the amount of {$440.00} 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 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 2024-01-30 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 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I attempted to pay {$6000.00} onto XXXX of my unsubisidized student loans on the Aidvantage website using a savings account. They gave me a confirmation number and I could see it was deducted from my total loan amount. But a week later I went to check and saw it had been " Reversed '' on the same date and there was no transaction or activity that it was ever attempted to be withdrawn from my account. I googled the issue and found THOUSANDS of other people with the exact same issue as I am dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
You recently closed a complaint on this matter. Here is the documentation that wells fargo left out.

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 2024-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/XXXX Bank of West changed to BMO Bank. Account numbers for my existing XXXX account changed. I was making {$500.00} principal payments through automatic payment method, from my BMO checking account ; dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, an extra payment on XX/XX/XXXX, XX/XX/XXXX and another extra payment on XX/XX/XXXX. According to my records the payment XX/XX/XXXX posted to my XXXX account, and after talking to BMO, Representative XXXX, she was able to refund {$500.00} on XX/XX/XXXX to my BMO checking account. After numerous calls to XXXX, I have gotten no resolve nor explanation of this matter. There is still {$2000.00} owed to me. I have been making interest payments regularly. I have corrected the account number change issue, and making other principal payments. Any help resolving this matter would be greatly appreciated

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 2024-01-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 2024-01-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 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 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am writing to formally report an incident of identity theft that I recently discovered when I tried to open an account with XXXX. I was referred to XXXX XXXX XXXX and a contact number was provided I called and requested for a consumer report from which I noticed a lot of opened accounts in my names without my consent or authorization. 

XXXX of Unauthorized Activity, I noticed [ specific details of suspicious activity, unauthorized transactions, or unfamiliar accounts ] in connection with my personal information. this accounts included TD bank, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX. information about all this banks can be found on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX  I attempted to make a cash deposit into an ATM machine at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX after inserting XXXX {$50.00} bills and XXXX {$20.00} bills totaling {$360.00} The machine returned XXXX of the {$50.00} bills after I reinserted the {$50.00} bill the machine shut down and spread out a receipt stating we encountered the problem returning your cash. Please contact your financial institution after I received the receipt I walked into the branch and spoke with a clerk and told me that I would have to call my bank to get it fixed while I was leaving two ladies exited the bank and opened up the ATM machine to clear the jam, I asked if I could get my cash when they do that and they said they were not allowed to so after leaving the bank I contacted Navy Federal credit union about the dispute and gave them the amount the types of bills, the ATM number and time, and was told to check back the following week for an update, so I contacted them that following Tuesday and they notified me that they submitted a claim in the amount of {$1100.00} I immediately told them that that was incorrect and they said that they would fix it after a week a provisional credit was put into my account in the amount of {$1100.00} which happen to be deposited on XX/XX/XXXX, so I can only assume that they did a typo after a Navy Federal with XXXX, the entire amount of the provisional credit and stated that they can not find any errors so I contacted XXXX XXXX XXXX XXXX to ask what was going on and was told Navy Federal would not resubmit the claim in the proper amount after contacting Navy Federal again on this matter, they asked if I can resubmit the claim and writing which I did on XX/XX/XXXX and for some reason Navy Federal drop the ball again and did not file the claim after I resubmitted it countless calls and waiting on hold with Navy Federal was able to have them resubmit the claim in mid XX/XX/XXXX on XX/XX/XXXX I received a phone call from Navy Federal credit Union, stating that the new claim was denied after asking details on that I found out that they did not even submit the copy of the receipt that I sent them, and was basically told that there was no errors through the ATM owner I have even spoke with the CEO of XXXX XXXX XXXX XXXX and she even said that she saw where the deposit was put into the ATM in the machine messed up so if you there is anyway that you can help me resolve the situation, it would be much appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank credit card division is refusing to reverse and refund an illegal and fraudulent charges. This is for a business account we have with them. We had a vendor account that was canceled with the vendor. We gave the vendor plenty of cancelation notice. Our card was then still charged and the after receiving emails and calls that the account was canceled the credit card company Capital One has refused to return and refund the charge. We have provided all supporting documents and made several phone calls and waited months for this be resolved with no solution or end in sight other than to fraudulently charge us for an account we canceled and were absolutely clear we did not want to continue the service and not be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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:
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. 

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-01-30 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:
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.

has violated my rights. Or a list of inquiries : 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 2024-01-30 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: MD

Complaint narrative:
i have an unauthorized inquiry that was obtained without my consent. it is not opened to an account. this inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: FL

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 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 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 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 2024-01-30 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: FL

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 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 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 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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/XXXX I made a deposit of {$2000.00} cashiers checks at XXXX into Chase bank atm. XX/XX/XXXX - Saw on my Chase mobile app that it said the funds would be available on XXXX back on the deposit receipt and saw also that it says the funds were to be held .Proceeded to Chase bank to get an explanation for why a cashiers check was put on a 7 day hold. At the branch the costumer service person gave my the Bank discrepancy help phone number. So I called the number and was told the hold was XXXX. XX/XX/XXXX - Called bank number, no explanation why funds were being held XX/XX/XXXX. Called bank number, no explanation why funds and being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-01-30 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: AL

Complaint narrative:
I am writing to formally dispute the bankruptcy proceedings currently underway in my name, which I believe have been conducted in violation of the Fair Credit Reporting Act ( FCRA ) Section 15 US 1681E. I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these matters so they can help me get to the bottom of this inaccurate reporting on my consumer profile.

1. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} 15 usc 1681b permissible purpose. i never gave written permission to report this account on my credit report i never filed XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} 15 usc 1681b permissible purpose. i never gave written permission to report this account on my credit report i never filed XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 


- 15 US 1681E - Compliance Procedures I am deeply concerned about the accuracy and legitimacy of the bankruptcy proceedings in my case. It has come to my attention that the procedures followed may not be in compliance with the aforementioned federal statutes. As a result, I insist on a thorough investigation into the matter to rectify any potential errors or misconduct.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

Obviously this BANKRUPTCY does not conform to the FCRA REGULATIONS by reporting a court name that reflects different variations. Please investigate and delete from my report. 

I request the following actions be taken : 1. Verification of Compliance : I demand a comprehensive review of the bankruptcy proceedings to ensure compliance with 15 US 1681E. This includes a meticulous examination of all documents, notices, and communications related to my bankruptcy case.

2. Expedited Investigation : Given the urgency and potential impact on my financial standing, I kindly request an expedited investigation into this matter. Swift resolution is crucial to preventing any further damage to my credit and financial well-being. 

In addition to disputing the bankruptcy proceedings, I am concurrently filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the involved parties for potential violations of consumer protection laws. 

I am confident that a thorough investigation will reveal any discrepancies and rectify the situation promptly.

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 2024-01-30 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX, I have an AMEX platinum card ending in XXXX. I used the AMEX offer and it is advised that if I purchased from XXXX before XX/XX/XXXX, I will receive XXXX XXXX XXXX, rather than XXXX. I made a purchase on XXXX for {$2000.00}, and XXXX put a pending charge on my Platinum card, and AMEX sent me a confirmation email notified me that the XXXX offer has been successfully activated ( see attached email from AMEX ). However, since XXXX shipped the laptop out on XX/XX/XXXX, the actual charge was posted on XX/XX/XXXX. AMEX refused to honor the offer and I only received XXXX point for this purchase. I feel it is a fraud since I made the purchase on time and also received the offer confirmation email from AMEX. I have no control over when XXXX will ship the item out. AMEX should honor what you have promised in the AMEX offer confirmation email I received on XX/XX/XXXX. If I know Amex will not honor the offer, I will use my other credit card which has high return points, since this is not a small purchase.

Company response to consumer: Closed with non-monetary relief