vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 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: ID

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: ID

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: MA

Complaint narrative:
A while ago i lost my social security card, i got a copy a while after, now i am being credited on my credit report for a {$4700.00} student loan when i have not applied for a student loan nor do i even attend school, i tried going on the NelNet website and tried to log in then it is saying that they need XXXX Factor Authentication when i have no info for the XXXX website nor do i have a NelNet account nor do i have an active student loan. i have tried contacting the company NelNet but they do not have a customer service email, they also do not have any operator on the phone line to speak with and i have called 3 days already and nothing, i was also on the phone with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: CA

Complaint narrative:
I did not authorize this hard inquiry from XXXX XXXX XXXX  and would like it removed from all of my consumer reports immediately 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-11-08 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: CT

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 2023-11-08 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: CT

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 non-monetary relief
Consumer complaint received 2023-11-08 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Late payments are illegal according to 15 usc 1681 a ( 2 ) ( 1 ) under exclusions.

15 usc 1681aDefintions ; rules of constructions ( 2 ) ExclusionsExcept as provided in paragraph ( 3 ), the termconsumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 usc 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed to the consumer no later than 21 days before the payments due date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: FL

Complaint narrative:
Late payments are illegal according to Usc 1681a ( 2 ) ( 1 ) under exclusions 15 usc code 1681a- Definitions ; rules of construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 usc 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose, unless the the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of the title is mailed or delivered to the consumer not later than 21 days before the payment due date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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:
Late payments are illegal according to Usc 1681a ( 2 ) ( 1 ) under exclusions 15 usc code 1681a- Definitions ; rules of construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 usc 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose, unless the the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of the title is mailed or delivered to the consumer not later than 21 days before the payment due date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: CA

Complaint narrative:
I did not authorize this hard inquiry from XXXX XXXX XXXX  and would like it removed from all of my consumer reports immediately 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-11-08 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: CA

Complaint narrative:
I did not authorize this hard inquiry from XXXX XXXX XXXX  and would like it removed from all of my consumer reports immediately 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal denied me right to my credit after a hard inquiry was place on my credit profile which proves there was a draw on my account. This constitutes as discrimination and unauthorized use of my social security credit card. Furthermore Navy Federal has the ability to use my application as collateral and reap income according to Federal Reserve 16. This application was given as accommodation for I was denied therefore not receiving any accommodation so NAVY FEDERAL is in violation of UCC 3-419 & UCC 3-303 .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
The caller says I owe a loan from Easy Money. I told them I am not paying for their scam. The caller them threatens me with court dates. I told them not to call me, or I will consider their calls harassment. They immediately hang up. They call back a few days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. 

Firstly, I believe that this limitation may have been imposed in error. I have diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. 

I kindly request PayPal to thoroughly re-investigate my case. I believe that a careful review will reveal that I have not violated any PayPal policies or terms of service. My account history should attest to my commitment to maintaining a clean and compliant PayPal account. 

I understand that PayPal takes security and compliance seriously, and I appreciate the need for vigilance in protecting the platform and its users. However, I firmly believe that this limitation may be a result of misunderstanding or incorrect information. 

I kindly ask for your prompt attention to this matter. My PayPal account plays a crucial role in my financial transactions, and its permanent limitation has caused me significant inconvenience. 

I am more than willing to provide any additional information or documentation necessary to facilitate the review process. Please let me know if there is any specific information you require from me. 

In conclusion, I respectfully request PayPal to re-evaluate the limitation on my account and, if possible, to restore it to full functionality. I am committed to resolving this matter amicably and in full compliance with PayPal 's policies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: 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.

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 inructions 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 2023-11-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have gone back and forth with capital one about an account reporting on my Credit Reports. I have given documentation and spoke to them and informed them that im not only a Identity Theft victim but a victim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One has taken no consideration into my circumstances, nor do they care in anyway about there customers. They are still reporting a debt that is not mine to credit reporting agency 's, and ignoring all laws put in place by the government and FRCA that were put in place to protect survivors of XXXX XXXX XXXX XXXX. They have refused to do anything about the fraudulent debt. I am now a single mother who is trying to move forward with my XXXX children in light of what happened to me in the past. They do not care these issues impacting women and victim 's of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I Disputed XXXX inquiries on XX/XX/2023. Due to a failure to respond within a XXXX  day period as the FCRA states. I would like for the inquiries to be deleted from my consumer report. 

Below are the accounts that were disputed : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: CA

Complaint narrative:
I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. Accounts listed below. XXXX. Account Name : XXXX XXXX  / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX Account Number : # XXXX XXXXAccount Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  / Account # XXXX. Violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I get paid via direct deposit every XXXX weeks on XXXX  morning. Because of this I always schedule my payments the Thursday before so they will come out when my paycheck arrives. This last pay period I got my day of the week confused and set up my payments on Tuesday XX/XX/XXXX and every payment tried to come out on the XXXX. There was no money in my account at this point so every transaction was declined even though I have my account set up for overdraft services. Bethpage Federal Credit Union charged me XXXX fees of {$30.00} each and did not cover a single transaction. The total amount came out to {$450.00} initially. That is a third of my paycheck. I had to call twice and visit a local branch. At first they refused to give back any fees and finally someone on the phone told me he was giving back 3 fees and that their manager would give back another 3. The manager did not do that so I called again and was told it was my fault but eventually 3 more fees were returned. Finally, at the branch the desk lady gave me XXXX more making a total of XX/XX/XXXX fees returned. I explained that I am living paycheck to paycheck and can't afford this to happen. They refused to give me the final XXXX fees back and lectured me about how fees work. I don't see why BFCU is allowed to keep any money for declined transactions without covering any of them. To top it off I also got more fees today because two of the payments I sent out were retried even though I sent out payments once my check really did come in. So as of right now assuming nothing changes Bethpage Federal Credit Union kept {$240.00} out of {$510.00} in NSF fees for bill payments that did not get paid because they declined them despite me being opted-in to overdraft services.

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