vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 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:
Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater, XXXX XXXX accounting ending in XXXX and XXXX XXXX XXXX XXXX  XXXX  ending in XXXX and any other XXXX XXXX account that is in XXXX XXXX name whom this living man XXXX : XXXX who is a secured party credit don't own anyone any debt and dont have to share my private information due t the privacy act 1974 and age of majority of all my accounts. delete all late payments off all my credit accounts 15 usc 1666b ( 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 or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX corporation has violated the FDCA as outlined in XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) which states a consumer report is a medium of communication and thus subject to cease and desist i have requested proof that this information was mailed certified information requested in good faith pursuant to rule 1002 and it was never provided this is unfair, illegal, fraudulent and not equitable to me he consumer

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 2024-08-31 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater, American express accounting ending in XXXX and American express XXXX XXXX XXXX ending in XXXX and any other American express account that is in XXXX XXXX name whom this living man XXXX : XXXX who is a secured party credit don't own anyone any debt and dont have to share my private information due t the privacy act 1974 and age of majority of all my accounts. delete all late payments off all my credit accounts 15 usc 1666b ( 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 or delivered to the consumer not later than 21 days before the payment due date. American Express corporation has violated the FDCA as outlined in XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) which states a consumer report is a medium of communication and thus subject to cease and desist i have requested proof that this information was mailed certified information requested in good faith pursuant to rule 1002 and it was never provided this is unfair, illegal, fraudulent and not equitable to me he consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I purchased a Prepaid Go Card from Navy Federal Credit Union in order to add a layer of security and I added this payment method to my XXXX account. On or around XX/XX/year>, I ordered an " oversize barn door set with track '' from XXXX that cost {$750.00} which was sold as " easy to install. '' A few days later the " oversize barn door set with track '' arrived in XXXX big boxes, but was unassembled like a set of jumbled legos. Specifically, doors can't be assembled by homeowners because they require specialized machinery that squeeze the door pieces together using hundreds of pounds of pressure per square inch in order to mold the door pieces tightly together. Clearly, I was the victim of a scam. Thereafter, I reported the incident to the Prepaid Go Card Department at Navy Federal Credit Union ; Navy Federal Credit Union itself, as well as XXXX. 

A few days later, I called back to the Prepaid Go Card Department at Navy Federal Credit Union and was told that my claim was denied because I have a " history of inconsistencies '' but no evidence of inconsistencies could be provided to me. Moreover, during this telephone call I waited on the line for a XXXX because I asked that my claim be escalated. The XXXX, XXXX, confirmed that I had been the victim of a scam and that my account was new with no history of inconsistencies. At the conclusion of our call, XXXX XXXX told me to call back in XXXX days for a final disposition of my case. Thus, in XXXX days I called back and the same wrongful verdict was rendered in that I had a " history of inconsistencies. '' There is not XXXX shred of evidence to support this claim, and if there is any evidence I would like it to be published as a result of this inquiry. 

On the other hand, XXXX has agreed to refund my money due to fraud. 

My goal with this complaint is to require Navy Federal Credit Union : XXXX. To retract any and all false statements regarding any notion that I have a " history of inconsistencies. '' XXXX. To recognize that the call center serving the Prepaid Go Card Department at Navy Federal Credit Union is poorly staffed and poorly managed ; and Navy Federal Credit Union has the singular responsibility to demand better care for its customers. 

This is a military family that is being harmed. Shame on XXXX! 


XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : ACCOUNT NAME- XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : ACCOUNT NAME- XXXX XXXX ACCOUNT # 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 2024-08-31 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:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # 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 2024-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank said that I deposited and cashed a check. I did not physically do anything. Again, I am in jail fighting for my rights. They also said they listened to a representative on the phone and they acted accordingly. That is a lie because I did not physically speak to anyone at US bank either. Us bank needs to prove the check belonged to me and made out to me and that I cashed it. They also need to provide me with transcripts of the conversation they claimed they had between me and a representative. Again, us bank is in violation of my rights and needs to remove me from XXXX XXXX. You need to investigate who actually sent the check. 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 2024-08-31 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:
According to U.S. Code 6802, financial institutions are required to provide customers with a clear and conspicuous notice that accurately reflects the institutions privacy policies and practices. This includes the institutions policies with respect to disclosing nonpublic personal information to third parties, as well as providing customers with the opportunity to opt out of such disclosures.National credit adjusters, all state, and XXXX XXXX XXXX accounts reported on my report. 
Sure, heres a template for disputing an issue related to XXXX Code XXXX, which pertains to the sharing of nonpublic personal information by financial institutions : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Name of the Financial Institution ] [ Institution Address ] [ City, State, ZIP Code ] Subject : Dispute of Nonpublic Personal Information Sharing - Violation of U.S. Code 6802 To Whom It May Concern, I am writing to formally dispute the sharing of my nonpublic personal information by your institution, which I believe constitutes a violation of U.S. Code 6802 under the Gramm-Leach-Bliley Act ( GLBA ).

According to U.S. Code 6802, financial institutions are required to provide customers with a clear and conspicuous notice that accurately reflects the institutions privacy policies and practices. This includes the institutions policies with respect to disclosing nonpublic personal information to third parties, as well as providing customers with the opportunity to opt out of such disclosures. 

I have recently become aware that my equaifax and experian shared nonpublic personal information was shared with all state, XXXX XXXX XXXX, national credit adjusters without my explicit consent and without receiving the appropriate opt-out notices required by law. This action is a direct violation of the protections afforded to me under 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 2024-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
, The debt collector is contacting me to collect a debt that I don't owe. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: CO

Complaint narrative:
I am writing to formally dispute the following charge-off accounts that are inaccurately reported on my Experian credit report. I request an immediate investigation and removal of these erroneous entries. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for compliant : Inaccurate Reporting : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and complete information. These accounts have been reported inaccurately as charge-offs, which is causing significant harm to my creditworthiness. I demand that Experian conducts a thorough investigation as required by 15 U.S. Code 1681i ( Section 611 ) of the FCRA and rectifies these errors immediately.

Verification of Debt : I also request verification of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692g. I have not received adequate validation of the debt from the original creditors. Without proper verification, these debts should not be reported on my credit report.

Outdated Information : Some of these accounts may also be outdated and should have been removed from my credit report after the seven-year period from the date of the first delinquency, as stipulated by 15 U.S. Code 1681c ( a ) ( 4 ). I request a review to ensure compliance with this statute.

Requested Action : Please provide me with the results of your investigation in writing, along with an updated copy of my credit report reflecting the removal of these accounts. Thank you for your prompt attention to this matter. I look forward to your positive resolution.

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 2024-08-31 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: PA

Complaint narrative:
On XXXX XXXX we e-paid our mortgage to XXXX XXXX for the full amount {$1900.00}. On XXXX XXXX we received a payment returned notice from XXXX XXXX, they stated there were insufficient funds. 

This was not true and I copied my checking account statement from my bank from the dates they claimed to have presented the check for payment, which was XXXX XXXX. I sent the copies to them by their emial system. I also called my bank to see if the problem was their end. My bank said they never received any call or claim for these funds from XXXXXXXX XXXX from their epayment system. The XXXXXXXX XXXX system just did not register my payment and then they marked us 30 days late. I sent this bank statement to them to ask them to correct this mistake. They wrote back by email that there was no mistake and that there were not sufficient funds and did not correct their 30 day late status. They also attached the detailed spreadsheets showing we paid late in XXXX and this is their proof that we paid late. We did not pay late, their e-system was broken. 


I also have disputed this mistake to credit bureaus XXXX and Experian who did not update our account after I disputed it. This mistake is due to a technical glitch on the part of XXXXXXXX XXXX, who has insisted they are right when I have proven with my bank statements this is not correct. 

Would this office be able to help?

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 2024-08-31 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: CA

Complaint narrative:
'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship yo it. Please remove the following information from my credit report immediately : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, 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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a double complaint. Transunion constantly locks me out of my account even though I am signing in with the correct information and on the same device ( s ) I need to dispute the inaccurate information on my credit report and can not do so because I can not log in. The company continues to fail to provide the services and is incorrectly reporting information.

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 2024-08-31 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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

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 2024-08-31 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 ACCOUNT NAME : XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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

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 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Credit Card services - I made an online purchase for a catering order. Hours later there was an automated text from Chase saying there was a suspicious charge on my card ( the catering order ) and asked me to respond 'Yes ' if I did make the purchase/authorized. I responded 'Yes ' and the computer immediately responded that it would then be authorized but that I might need to contact the vendor to run it again. I contacted the vendor the next day and they said the card wouldn't run. I contacted Chase and they said there was fraudulent activity on the card so they shut it down and will be sending out a replacement card in 6-8 business days. I explained there WAS no fraud and that I appropriately responded to the automated fraud alert. The response was 'there 's nothing I can '. Now I have to wait for my replacement card to come and take hours to redo all my auto payments with the new credit card number through no fault of my own. No offer of explanation for the closure or any kind of offer to make up for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Fidem Baltimore Holdings LLC
State: CA

Complaint narrative:
I have called Ignite Credit Card since XX/XX/year> to inquire about the extra interest charge monthly. One month the interest was only {$61.00} dollars and the next month it was $ XXXX. I called in to inquire and was told by a supervisor there have been issues since a software upgrade, and they are aware of it. The next month there were three interests charges again and I called. The issue was escalated, and I was told a supervisor would contact me by phone. No one called. I called again and to inquire about why the supervisor did not call? I was told someone would call, but in the meantime I received three interest charges. For example, XX/XX/year>, I called one interest charge was for cash advance ( {$65.00} ) and the other interest charge was for not paying the credit card amount in full ( {$61.00} ). I asked how, what is the title and calculation for the interest charge of ( {$57.00} )? I was referred to the cardholder agreement and someone would contact me within 2448 hours, which is why I called. Not only that, but I asked if there was a case number, and this time I was given one. ( # XXXX ). Then I was told a supervisor would call, and he did, but he informed me no one there has anything to do with how interest is being calculated and referred me to section three involving payment information of the card agreement. At this point, I decided to file a complaint to get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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 ACCOUNT NAME : XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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

Company response to consumer: Closed with non-monetary relief