vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
After reviewing my consumer report I have found inaccurate reports regarding alleged debts being of obligation to me. I have already address this issue with my XXXX reports in which they knew to delete this inaccurate information. For whatever reason XXXX and Equifax seem to believe they are above the laws and consumer rights protections and refuse to delete the inaccurate information being reported on my consumer reports. I would like it to be adequately clear that they are in clear and absolute violation of my rights as a federally protected consumer. I have made it very clear to them that these accounts should be deleted swiftly as XXXX did ; be clear that deletion is an admission to violating federal laws yet Equifax and XXXX seem to care not. If XXXX understood their violations and adhere to the remedy demanded easily any other reporting agencies should be able to understand the same. This will be my last and finally attempt to provided them this simple remedy for their violations against me before I seek litigation remedy. Being that I have made previous attempts for remedy that were disregarded and falsified as verified I will only allow 15 days for this remedy to be fulfilled. Equifax and XXXX both have been put on notice and instructed to provide me with the remedy due in which they were provided upt to 60 days to respond and each time they decided to use the entirety of the time available to again completely disregard the violations and falsify that the information has been verified. XXXX and Equifax SHALL DELETE the following inaccurate and falsified information listed below off of my consumer reports within 15 days from today XX/XX/year> in accordance with the FCRA and CFR. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MUST DELETE all accounts listed above Equifax MUST DELETE all accounts listed above immediately. 
I document everything for the past two years while I've been gaining a better understanding of the laws in place to protect me. I will have my remedy one way or another lets not waste each others time here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX XXXX # XXXX Both of these companies have violated my rights USC 1681 section 602 A, Section 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions USC 1681s2 ( 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

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 2024-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXX XXXX I tried to mobile deposit a legitimate payroll check. Chime bank could give NO REASON for them not accepting the check. Since they have no brick and mortar presence I was left holding a check with no way to cash it deposit it without significant cost to me. 

Additionally, Chime has been withholding XXXX direct deposits and offering no information about the delay to it's customers. Week of XX/XX/XXXX. 

They are a scam bank with zero customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i just want the company stop using my information the remove the inquiries on my credit report

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 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A check was deposited into my checking acct at BofA. The BANK cleared the check that was then sent to a merchant who cashed the check at XXXX XXXX. XXXX XXXX reported that the check was fraudulent and charged my acct at BofA for the amount of {$1900.00} on XX/XX/year>. 
Bank of America denied coverage of what they reported to me as check fraud, in spite of the fact that they cleared the check and approved the XXXX transfer. XXXX XXXX was alerted by BoA who reportedly denied fault. 
Bank of America made several transfers from my other accounts to reduce the debt without my permission

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 2024-08-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One and Pottery Barn promised a cash back rate of 10 % on my purchases made the first month ; however, I have only been receiving 5 %. Ive spend over {$6000.00} via two purchases ( {$4000.00} then {$2000.00} ) in the first month. As of today, Ive received only {$170.00} out of the $ XXXX in cash back. 

I reached out to both companies for clarification regarding this significant discrepancy but did not receive a satisfactory response. They pointed at each other to address the matter. 
As of today, capital one is still looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be block and deleted. 

XXXX XXXX Company : XXXX XXXX XXXXXXXX XXXX Amount {$400.00} Company : XXXX XXXX XXXX XXXX XXXXXXXX {$140.00} Company : XXXX XXXX Amount {$180.00} Company : XXXX XXXX XXXX XXXX Amount {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: FL

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be block and deleted. 

XXXX XXXX Company : XXXX XXXX XXXX IN Amount {$400.00} Company : XXXX XXXX XXXX XXXX XXXX {$140.00} Company : XXXX XXXX Amount {$180.00} Company : XXXX XXXX XXXX XXXX Amount {$180.00}

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 2024-08-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have literally tried to use this amex gift card everywhere and the only place that would accept is XXXX and have nothing more to buy there so want amex to cash out since they advertise that these are accepted anywhere amex is accepted which is bogus or in the alternative I am asking the CFPB to disallow AMEX from stating these gift cards are good anywhere AMEX is accepted. I filed a XXXX  complaint and they do not provide anyone to speak to and they responded stating these gift cards may not be able to be used for cash out and or online if online retailer does not allow split transaction. This does not answer why I have been unsuccessful at using in store as well. I also find it crazy that even if you can use to buy items it is almost next to impossible to get the final remaining small amounts off of these gift cards so I would love to know where all of those funds go if they are never used?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA
State: CA

Complaint narrative:
For nearly 11 years I have worked in XXXX XXXX. Mohela has repeatedly delayed and caused issues with my PSLF progress. After finally receiving correspondence that they forgave the loans, they are still leaving me with a balance. All of my loans were part of my PSLF program and I should be left with XXXX balance. Furthermore, Mohela collected several months of payments from me after the date I was forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: MN

Complaint narrative:
I received a message from XXXX XXXX about a new account that has been added. It came from MOHELA it added on XXXX in XXXX  loans. I disputed this and will be contacting the company. I havent been to XXXX  in years. I dont who is in debt for XXXX but it is not me. This is very fraudulent activity. I would like for them to be held accountable and remove this off my credit! It says the account was opened XXXX XXXX I have no clue on why this has happened. I havent stated XXXX  or been to XXXX  in years!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX, Trans Union and XXXX has been notified 4 times each in XXXX, XXXX, XXXX and in XXXX Asking them to send me a contract from each company making a claim i owe them Money and they all have failed to respond with evidence that the Alleged debit belongs to me, its been 8 months and this has cause me great grief in my life it has hindered me for securing a place to live, obtain credit to improve my livelihood here are the names of the Company 's who have refused to abide by the laws and verify the Alleged debit or remove it from my personal credit report according to : UNDER FCRA SECTION 616 & SECTION 617, Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX XXXX XXXX XXXX : Alleged Amount {$5400.00}, on XXXX it says " Closed '' on Transunion it Says " Closed '' and on XXXX it says " Closed '' Why is it still on the report? 

XXXX. XXXX XXXX : Says {$0.00} Balance but remains on the Transunion Report as " Closed '' Why is it still on the report? 

XXXX XXXX XXXX : Alleged Amount {$580.00}, On XXXX its `` Closed '' but on Transunion its Status is " Open '' and it was completely removed from the XXXX Report Why Is That? 

XXXX : Alleged Amount {$830.00}, On the TransUnion Report it say " Open '', but has Been Removed for the XXXX and XXXX Reports, Why is that? 

XXXX. XXXX XXXX XXXX : Alleged Amount {$340.00} : On the Transunion report status is " Open '' XXXX Status is " Closed '' and On the XXXX it has been removed why is that? 

XXXX. XXXX XXXX : Alleged Amount {$890.00}, On Transunion Status is " Open '' and Has been Removed from the XXXX and XXXX Reports, Why is that?. 

Note : All letters sent to the 3 Major Credit Reporting Agency 's were served Certified mail with Return Receipt for 4 times each and All documents were Certified.

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 2024-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: NC

Complaint narrative:
Cant get exact dates and money because I cant view much due to restriction they placed. To sum it up put around {$600.00} total into a account with Skrill. Spent about {$300.00} online. When I tried to use it again they restricted my account which had {$300.00} left in it. Told me it needed to be reviewed and would take between 24 and 48 hours to be contacted on how to resolve. That never happened. Tried calling, said I wasnt allowed to speak to them until they reviewed. Waited a week still nothing. Sent a email got same story of how it needed to be reviewed. Tried using the chat bot and it said to click here to call and I couldnt. I guess there strategy is to wait me out until I forget, I have no idea. Im a financially stable, hard working, tax paying citizen. I live my life by a code and to try and help others and to me this was truly negligent and immoral business practices. Im just glad I dont need money for a emergency and dont want this to happen to anyone else. Filed a complaint with XXXX  now your department. Would take any help or advice to help me resolve this. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" A vehicle loan debt has been incorrectly reported on my credit report. I have no knowledge of this loan, nor have I ever taken out a loan for this vehicle. This inaccurate information is unjustly affecting my credit score. I am requesting that this erroneous debt be investigated and removed from my credit report immediately. '' BALANCE {$4100.00} ( TRANSUNION AND XXXX ) XXXX XXXX Open Date XX/XX/year> 2017

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" A vehicle loan debt has been incorrectly reported on my credit report. I have no knowledge of this loan, nor have I ever taken out a loan for this vehicle. This inaccurate information is unjustly affecting my credit score. I am requesting that this erroneous debt be investigated and removed from my credit report immediately. '' BALANCE {$4100.00} ( XXXX AND EXPERIAN ) XXXX XXXX Open Date XX/XX/year> 2017

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 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
Sofi, ending : XXXX I opened an online checking account with Sofi a few months ago from a sponsored link on XXXX. XXXX advertised {$120.00} bonus, and Sofi {$300.00}. 
Turns out, that when I wrote XXXX they refused to pay me, as Sofi stated in chat that I did not make a direct deposit of $ XXXX, which I did. 
I complained to the XXXX, without result. 
These people need to understand not all direct deposits are from weekly pay checks. 
Their site even lists retirement, and other sources. Most of these are paid quarterly, etc. 
I feel the promotion is a scam, as all I receive is 3-4 spam emails everyday to invest in cd 's, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a dispute regarding alleged violations of 12 CFR 1006.34 ( b ) ( 5 ) by [ XXXX XXXX XXXX XXXX ], a debt collector for XXXX XXXX  XXXX 

Insurance was obtained on a car that we didnt have a month, when the car was repossessed because financing wasnt available I didnt cancel the insurance ; therefore I was charged insurance for a car I didnt have in my possession. I contacted the insurance company when I received the bill and gave them this information. I believe the insurance company owes me a refund. 

I received a communication from [ XXXX XXXX XXXX XXXX ] regarding an alleged debt originally owed to XXXX XXXX. I believe this communication violates the Fair Debt Collection Practices Act ( FDCPA ) through its failure to comply with 12 CFR 1006.34 ( b ) ( 5 ). 

they failed to provide accurate validation information, or that they continued collection activities after the validation period expired. ] I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against [ XXXX XXXX XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My cheaking, saving and credit card account was flagged due to frau. I was told someone had opened another bank account under my name and DOB but with a different SSN. I was not notified of this until I attempted to log into my account using the mobile app. On XX/XX/XXXX I rushed to a branch where I met with the branch manager XXXX in XXXX, AZ. I was told to submit an appeal to have my count reopened. I submitted XXXX & XXXX XXXX, Social Security Card, XXXX XXXX XXXX and 3mo current paystubs as proof of my personal information and SSN to a bank I've been a member with of 5yrs. I was told that the review of the appeal would take up to 15 days. On XXXX XXXX I recevied an email stating that my appeal had been carefull reviewed and the information provided. " In veiew of the unsatifactory manner in which I maintained my previous accounts they are unable to remove th restriction at this time. Not understanding what this means, I drove back to XXXX branch which is a 3hr drive for me for understanding. He was told that the incident is still under investigation. As of now we are past the 15 business day the appeals process states. My account is deposit only, meaning money can come in, but I will have to go into branch to remove funds which is a 3hr drive for me. I have no way pay my mortgage, auto and many other bills electroniclly. Not to mention my direct deposit go 's into this account. Nor do I have a way to pay my credit card bill in which I have with Navy Federal Credit Union. This is no way to treat a Veteran who give 20yrs of service to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CT

Complaint narrative:
I had {$1200.00} of unauthorized activity and I disputed all of these charges to cashapp and instead of actually doing anything about it they banned my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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:
In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy. 

15 U.S.C 1681Section 604 A Section 2 : 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 conviction of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person may 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