vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the re
port by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER XXXX MONTHS. PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive ( XXXX ) XXXX -- - XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Automotive ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX  XXXX : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: Arivo Acceptance, LLC
State: FL

Complaint narrative:
i never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER XXXX MONTHS. PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive ( XXXX ) XXXX -- - XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Automotive ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive XXXX 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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER 5-6 MONTHS. 

PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

( 2 inquiries ) XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Payments that were marked late by your company for the following accounts : CAP ONE AUTO Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Since XXXX it has been an absolute impossibility trying to get Nelnet to correctly do their job. I have spent more than a dozen hours on the phone waiting on different representatives, all who have been no help. I applied for the XXXX XXXX through students.gov website back in XXXX. I followed up with Nelnet to make sure they have all the correct info and was told I needed to provide current income, even though that should have been possible with my tax filings through my initial submitted plan. I gave the rep my info and asked him how long I could expect for this to go through. He assured me within a months time. I filed a complaint on students.gov on XXXX and it is still pending and I was guaranteed a response within XXXX of that. No response to this day. XXXX you know, many days go by and I had zero updates on my account and my plan still hadnt changed. I believe that initial call was on XXXX. Then I called again XXXX and waited over another XXXX hours to reach a representative. I explained to her that I was recording this phone call and then asked why my plan had not been updated, why I had received zero correspondence from them and why I couldnt open any old inbox messages. She had no answers. After XXXX separate long waits while she spoke to a higher up privately, she then told me that the last representative didnt properly direct my plan. She also told me she didnt have a reason as to why my correspondence had been turned off on their end..I reiterated the situation so she could confirm my understanding. I said so the last rep didnt do anything right and you guys had my correspondence off and now Im about to accrue interest? She said yes. I said I wanted my plan corrected to where it should have been for over a month at this point and she told me I had to send in a self verification letter! to once again establish my income which should have already been done twice at this point and that they could only put me on a forbearance which would still accrue interest. I said so Nelnets blatant mistakes are now causing me money and you cant do anything about it even though I have did everything I should have done? She said yes. I told her this was unacceptable and is part of the reason there is a huge negative stigma associated with the company at this time. It sounds like fraud to me. Its now XX/XX/XXXX and my plan has not changed yet even though I sent my certification letter in a while back. I will not be paying Nelnet extra money because of their admitted incompetence and mistakes. I have the whole recording of that conversation. I filed for the save plan initially on XX/XX/XXXX. Thats almost 3 months ago. This is shameful. I also asked the last representative if they had a transcript or recording of the call from XXXX and she told me yes. So they have proof I was lied to then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
My wife and I were bumped from an international XXXX flight XXXX XXXX weekend, 2023. We were promised {$2000.00} in compensation. 

Turns out the compensation is in the form of gift cards only. 

Thinking them the safest and most easily used, I selected {$1000.00} of that amount to be in the form of American Express gift cards... they were available only in {$200.00} increments. Which means I have XXXX of them to use. I activated them as instructed. 

Since that time I have tried using them on multiple websites and they continually decline for no apparent reason : XXXX, XXXX, XXXX, etc. 

The customer service number on the card takes you to an automated system only, with no human available to explain why the cards continually decline. 

They are set to expire at the end of XXXX and I have NO recourse. I will lose the {$1000.00} since I am not able to find any company who is able to process them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I went to the teller to withdraw some funds and wasnt able to withdraw the funds. It state it wasnt enough funds to complete the request. I called cash app explained everything to them. I stated that I couldnt withdraw nor could I transfer the funds into my banking account. No one could tell me why. I never receive a notice stating anything about my cash app before or after I reported I could use my card. I have called everyday since XX/XX/XXXX. Today is XX/XX/XXXX and I still have no idea as to why they are holding my funds. I ask for a number to file a complaint with the company no one is willing to give me the number. They stated that they had to file the complaint for me. I ask to speak to a supervisor and they state a supervisor is not available or they just hang up on me. I am out of option and dont know where to turn to get help with this issue. If there was an issue with my cash app they continued to allow me to receive funds in my account. They allowed my account to get up to XXXX. Just yesterday XX/XX/XXXX they denied a deposit of XXXX from XXXX XXXX XXXX stating it being fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
They keep repossessing my vehicle every time I come home. When I ask for letters or attempt to make arrangements they will not I asked for letters cant get them. They asked me was I still in the XXXX I told them yes. They will not let me refinance. They wouldnt lower the interest

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
- XX/XX/XXXX XXXX : I receive notice of a declined purchase from XXXX for {$100.00}. I check my account and balance and transactions. It appears that, in error, the {$100.00} was submitted twice, and possibly being refunded to my account once. This has happened before with an unrelated transaction, and the agent said that the error would likely resolve at midnight. This error also initiated a fraud alert, which it did last time. 
Just in case, I also initiate a payday advance via XXXX for {$250.00}. Theres about {$80.00} in my account. 

- XX/XX/XXXX early morning ( XXXX ) : I get an after-midnight fraud alert, which surprises me. I have a negative balance, which also surprises me. I review transactions again and realize a check for {$430.00} I had forgotten has begun processing in my account. I do another immediate XXXX transfer for {$330.00} and confirm the account is positive by about {$200.00}, even accounting for the surprise check, before logging off of the app. 

XXXX XXXX : I see in my email that theres a value load of {$800.00} ( child support ) on my Bank of America MD epic card , so I transfer it to my unconnected checking account. To my surprise, I get email notification of the direct deposit of {$800.00} at XXXX. My balance is now about {$1000.00}. I transfer {$200.00} to a savings account, leaving the checking account balance at about {$800.00}. 

XXXX XXXX : I receive notice that the {$430.00} check is not being paid due to insufficient funds. My balance returns to about {$1200.00}. 

When I call Bank of America, they insist the check was processed yesterday, despite my confirmation that it didnt. They tell me yesterday, when the check was processing, I only had {$330.00}, and it wasnt enough. I also realize that the ending balance on XX/XX/XXXX is- {$130.00}, which it was not. Despite the money being there, the agent and the manager told me the check would be returned, there was nothing they could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MO

Complaint narrative:
Kindly update my account this causing me a lot of stress and XXXX 

Im begging you plese remove this to the 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 non-monetary relief
Consumer complaint received 2023-11-22 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:
Dear Sirs, That bank once offered me a credit card, for {$6000.00}, at the time I paid as established, one day that financial institution disappeared, and I had no communication, from that moment on with The XXXX XXXX XXXX  page, it did not work, No I was able to use the page to pay or consult for several months ... they were not professional and are causing damage to my credit report, the closing situation of that bank is not my fault. 
Please remove negative information about my credit. I make a great effort to meet my payment obligations as you can see. 

Sincerely 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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: CT

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief