vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. 

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.

Account Name : Attorney General - Child Support have 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 instruction.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I told all the of the " Big 3 '' nationwide consumer Credit Reporting Agencies, Equifax, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX ( # XXXX ), XXXX- ( # XXXX XXXX XXXX XXXX- ( # XXXX ), XXXX XXXX- ( XXXX XXXX ), XXXX ( # XXXX XXXX, XXXX- ( # XXXX ), XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX- ( # XXXX ) I received notice from all three CRA 's ( XXXX, Equifax and XXXX ) that everything was verified as complete and accurate and that my disputes have now been completed and closed out. I am confused, how is it possible they " investigated '' all these accounts and declared them as accurate and verified if information such as : Account Open Date, Date of Last Activity, Payment Amount, and so much more is absolutely incorrect. Not only that but all 3 of the CRA 's are reporting different information. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 Section 602 ( A ) States that I have the right to privacy 15 USC 1681 Section 604 ( A ) Section ( 2 ) States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States that 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 USC 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. 

These companies do not comply with or even attempt to be in compliance with Metro 2 credit reporting and I have all the supporting docs/evidence to support my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: MO

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX I had an account with AAFES ( Military Star Card ) that was reported delinquent on XX/XX/XXXX. 
The account switched hands to a third party collection agency XXXX account in XX/XX/XXXX. 

The account still shows negatively on my XXXX, XXXX, and XXXX Accounts. 

The limit posted by the CFPB for reporting delinquencies, and lates is XXXX  years. 

Please help to remove and expunge this debt immediately. 


Thanks so much! 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
I moved in XX/XX/2022. Im a single mother of XXXX barley surviving as it is in this state. I never received anything from the original debtor that this account was going to collections the original debtor is XXXX XXXXXXXX XXXX, not sure if its because I moved or what happened. I spoke to the credit collector ( Bonneville Collections ) after I had received a court order and was sued, when I called to go over what was going on the representative told me well maybe you should have paid your bills and said they had already started legal action and if I didnt agree to pay them in full at that moment or agree to a payment plan then they would proceed to go after me in court. They have now set up a garnishment as of today, I called and ask for verification of the debt and everything that had been done on my account to verify the debt and was told NO, if I wanted any information on my account I would have to obtain an attorney and request them through him. That sounds a lot like Financial harassment to me. I have emailed my attorney but have it heard back from him as of yet. Everything Ive located on Bonneville Collections suggest this isnt the first time they have illegally gone after someone and sued them. My original bill was {$150.00} its now over {$1000.00}, again I was told the only way this was going to stop is if I paid them in full today and they are refusing to release verification of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My Chase personal, business, and savings accounts were hacked on XX/XX/2023. 
The hacker moved {$1300.00} back and forth between those accounts in order to XXXX the payment from my business account. I received an alert on my phone that morning from the bank and called them to report the fraud. 
Chase fraud closed my accounts for 48 hrs and then reopened them with new usernames and passwords. I also received a email about adding or editing the XXXX person and reported that I did not know this person. 
They originally told me they could see I did not make the transactions from my devices and then 2 weeks later said I did with no proof. 
They have still not done anything to credibly my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I've reviewed my credit report and noticed that Experian still have three ( 3 ) accounts open on my credit report that XXXX, and XXXX have closed. 2 out of 3 credit bureaus are showing accurate information while Experian is showing inaccurate information. According to the law I have rights to dispute inaccurate information. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Accounts Listed : DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 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 2023-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am eligible for XXXX Loan Forgiveness as per the guidelines. I submitted the application to my loan servicer, Aidvantage, on XX/XX/2022. My application was denied on XX/XX/2022 because they claimed I am ineligible. After speaking with their customer service, I learned it is actually because I did not fill out the form as per their specifications. I applied again on XX/XX/2022, this time including a letter from my employer with the details of my eligibility. I was denied a second time on XX/XX/2022 because they claimed the XXXXXXXX XXXX XXXX  ) I worked for were not listed in the XXXX  Cancellation Low Income Directory. This is blatantly untrue. I submitted a third application today, XX/XX/2022, this time including screenshots from the directory. I also wanted to lodge a complaint with the CFPB because Aidvantage 's denial of my application is now in violation of the laws governing the TLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase has locked my account and not allowed me to withdraw my funds. This started over a month ago and I have been trying for 2 weeks to remove my cash from their system. Their support team has stalled and when pressured by posting to an online forum for Coinbase, simply reached out to me to say my account is still locked without providing any explanation. I have tried contacting them by phone but they said that the only way for it to be unlocked is through email. They are delaying as much as they can and I feel like they are going to continue saying the same thing. Please help me withdrawal my money from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I lost my job and started to accrue returned check fees from company 's that were automatically deducting from my account. I made Navy Federal aware of my situation and they said there's nothing they could do other than to close my account and that I couldn't even do that unless my account was positive. As I was negative and desperately needed the funds and my last direct deposits, that wasn't an option. From XX/XX/XXXX to XX/XX/XXXX, I accrued 16 total returned check fees totaling about {$460.00} which downright seems criminal. They only approved to return 4 fees totaling {$120.00} or about 25 % of collected fees. Is there something that can be done about this? Is this considered ethical? Did it cost them {$340.00} for an automated system to reject a charge? Please let me know. 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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, account name : XXXX XXXX XXXX XXXX XXXX, account name : XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit 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 non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : 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 account name : XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit 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 2023-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I called XXXX XXXX XXXX  who has the debt now, I told them I never had that account, they said it was original a cash central.com account, which I never herd of, they said it was opened in an email address I never herd of and then told me the money was sent to a XXXX  account and again I told them I have never even had a XXXX  account, so they agreed it was not mine, so I have sent them everything I know how, and its still on my report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 : # 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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
In 2021 Ford advertised the XXXX  XXXX. Paid reservations had to be made in order for customers to purchase vehicle. 
I have waited now almost 2 years. Now that my reservation has become available for ordering, F

ord is delaying the ordering. There has been a request for dealership change but yet Ford will not change the dealership but has advised, " do not order vehicle until dealership is changed! '' There has been multiple attempts to communicate with Ford and have this issue rectified but still nothing.

I am excited to order and receive vehicle but this level of customer service is concerning!

It seems Ford used customers then have left them high and dry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
In XXXX I was given a {$500.00} Visa Gift Card as a XXXX present from my employers. When I first attempted to use it, I was directed to a site where I could check my balance and see what's going on. It showed I had made a transaction to XXXX for the purchase of an item that was not me. I attempted to resolve it with XXXX to see if they can reverse or stop the charge from going through. They said I would need to wait for the card to go through then dispute with Vanilla Visa Gift Card services. I did that. I was assigned a case number. I followed up and received a received a replacement card in XXXX of 2023. At this point it has been 5 months. I received my replacement card and found I can't even activate it. It was saying my date of birth was incorrect. I followed up with Vanilla Visa Card services and they are telling me it is going to take further time to resolve this issue and provided me with a new case number. I don't know what else to do but people need to stop buying these cards, as they make it extremely easy to be scammed and on top of that they make it difficult to access the funds. Please help. Please. I can't imagine how many non profit companies accept gift cards and then aren't able to use them .Do not purchase a Vanilla Visa Gift Card XXXX I will be letting my employer know the trouble it's been and request a different bonus option.

Company response to consumer: Closed with explanation