vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
This company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; On XX/XX/2021 and XX/XX/2021 you reported transactions from account # XXXX to my consumer report. Congress section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! 

Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Further more 15 USC 1666b ( a ) ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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 non-monetary relief
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
To Whom It XXXX Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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 2023-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On Monday XX/XX/2023 AmEx XXXX representative XXXX and I spoke, and he agreed to have a manager call me the next day at XXXX XXXX. XXXX hours later no has called. This is a broken agreement, and a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: FL

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries that are reporting to all XXXX of my credit bureaus

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Hello Im reaching out because Im having an issue with my student loans.

As of recently Ive been having some health issues that kept me from making my timely payments on time as I normally do. Its been reported that Ive been 9
0days past due to the credit bureau, which caused a dramatic hit to my credit score. Ive had perfect credit for years now.. I pay all my bills on time and sometimes more than what is asked of me. Im asking for a Goodwill Deletion, seeing this is the first time that Ive ever been late. Im a XXXX XXXX doing the best I can. Im currently starting my house buying process and this has set me back hugely!! 

XXXX not disputing that I was late, however I would greatly appreciate it if I wasnt punished to such magnitude over my very first mishap. My XXXX XXXX dropped XXXX points. Once I caught wind of the situation I went ahead and made the account current, even offering to immediately pay it the entire balance. If there is anything you can help me with Id greatly appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX, I received an email saying my account phone number and email had been changed. I tried to log in and find that my PIN, username, and password were not working. I called customer service and asked for help. My phone password had been changed, as had the password hint, and I was unable to do anything to my account to fix it. They even changed the vehicle associated with my account. 

I submitted my ID and phone number for their account recovery process, which promised a can back within 1-3 business days. I never received that call. 

I can't get through to anyone because the info I need to verify myself has been compromised. No one will call me back or take me seriously. Every cent I have in the world is at USAA, and no one seems to care. 

I need someone with the power to fix this to contact me. I've filed a police report and a report with the FBI, but nothing has come of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX recently went to XXXX XXXX on XX/XX/2023 located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I was looking to make a Consumer credit transaction for my first ever XXXX purchase. I test drove a XXXX XXXXXXXX XXXX XXXX which is listed at the value of {$47000.00}. I was looking to Finance the vehicle & I was not able to do so due to Credit Denial. I filled out a Credit Extension Application which was denied by over 5 Financial institutions. I was asked to make a down payment of {$5000.00} which I declined because I am aware of 15 U.S Code 1605- Determination of Finance charge ( illegal down payment ). I left the dealer & received adverse action letters from 5 financial institutions regarding the credit Denial. Only one financial institution disclosed the Amount Requested which is {$50000.00} on XX/XX/2023. My sources for this complaint are, Truth in Lending Act, Equal Credit opportunity Act, 15 U.S Code 1601, 15 U.S Code 1605, 15 U.S Code 1611. This Consumer Credit Transaction was done in good faith, exercised any right under the Consumer Credit protection Act. I've also shopped around for New and used vehicles at other dealers including XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX which I got the same results so I would like to include these dealer & financial institutions that they went through as well. The reasons for Denial based on my Consumer report does not represent the Equal Credit Opportunity Act which makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex or marital status, age ( provided the applicant has the capacity to contract ), because all or part of the applicants income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. 

ATTACHMENTS Adverse Action letters .pdf ( XXXX MB )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In reference to my previous complaint about Bank of America Complaint ID : XXXX. They left a couple of messages to call back but when I call back it just goes to voicemail and I left several messages and they havent called back. It feels like They are using a robot to call and respond to my calls. 

They refunded me 2 months of monthly service fees and thats not enough. But thats also not what I asked for. I know what I signed up for. I just didnt sign up for them taking advantage of my low funds every month. And also low funds for other customers. And I want them to refund other customers they took advantage of and thats what I wanted to talk to them about but I cant send to get a hold of them. Every time they call me at work, I miss their call. They called 3 times and I keep trying to call back and leave messages. So I just put in another complaint. I wasnt about to add you the other complaint. 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 monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a Capitol One Business card. On XXXX, my credit limit was cut in half for no other reason than I don't use it all. I have had a business card with a XXXX credit limit with another cardholder for years. A few years ago I moved to Capitol One as they offered a card with the same credit limit. I do not spend anywhere near XXXX, in an average month, but I need to keep the higher credit limit in case of an emergency. My business is such that I could easily end up with an emergency bill for $ XXXX {$10.00} and I need a card with that credit limit for such emergencies. This is the second time that Capitol One has cut my credit limit for no other reason than I don't spend that much. I ALWAYS pay on time, I keep the card paid in full, and my income level has not decreased. So, there is absolutely no reason to cut my credit limit. If I qualified for the XXXX credit limit last month, I still qualify today. This happened once before, and I was able to simply restore it. But this time, they refuse to restore it back. I attempted to call customer service and the agent was very unhelpful. Did not offer any help or resolution and flat-out refused to do anything. I need my credit limit restored and locked in place. If I don't pay my bill or there is a valid reason to drop it, then fine. But it needs to be locked in place otherwise. I do hope to never have to use the full limit, but I do need it to be available in case of emergency. 

My credit limit needs to be restored and never again adjusted " because I don't use it all. '' I need a business card with a XXXX limit in order to have it available for emergency use if needed. If Capitol One can not provide that, I will close both cards I have with them and move to another company that will provide that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was trying to make a purchase and when my credit report was pulled it prevented me from making the purchase, because I had damages on my credit report. I had 11 unauthorized hard injuries that I have no knowledge of. According to the 15 USC 1681 there should not be any damages on my credit report that is a defamation to my character.

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 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
On XX/XX/2023 I transfered {$500.00} from my Marcus account ( Goldman Sachs high yield savings ) into my XXXX investment account. On XX/XX/2023 I was informed that Marcus denied the {$500.00} transfer for " insufficient funds '' and my XXXX account was - {$500.00}. Marcus showed my transfer as " Posted '' and took the {$500.00} out of my account. 

Both institutions are saying the other one has my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: SC

Complaint narrative:
I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney.

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections.

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.

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 2023-10-19 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: SC

Complaint narrative:
I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney.

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections.

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: SC

Complaint narrative:
I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney.

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections.

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.

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 2023-10-19 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief