vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: CA

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 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 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Inquiries are not authorized by me. I lack any information about them, and the company carried them out without seeking my approval.

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 2024-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was told I did not owe a payment to Nelnet when the XXXX loans started up again. I kept checking and my account had {$0.00} due. I did get a bill for XXXX, which I paid in full. I logged in this morning only to see a past due amount for the last 90 days. I called and they said they could not do anything other than put it in forbearance for a month but it still shows past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my second notice regarding the inaccurate items that are being reported on my credit. Up until this point the agencies have ignored me and my requirements of them, which are to make sure that the items and information that they are reporting are entirely accurate. This is wreaking havoc on my life as I have to continue to reach out to the agencies in order for them to do their job.

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 2024-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I have never obtained nor tried to obtain a title loan or any loans at all in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, Venmo suspended my account. I've had my account in good standing for years now, and the only change I made was to add a XXXX bank account to transact. Immediately after attempting to link the accounts via Venmo 's account linking portal, I was notified that my account was closed. 

The Venmo app said that I'd receive an email containing more information about my account suspension, but the email I received only asked for a picture of my driver 's license to verify my identity. I used the upload link they provided right away. They didn't tell me why my account was suspended. 

Two days later ( XX/XX/XXXX ), after hearing nothing, I submitted a help request to seek further information. An employee responded to my request to say they'd reviewed my ID, but that another team would need to review my case and that they'd get back to me in 10 - 15 days. He requested that I reply to the email with other questions, but Venmo has been silent since then. 

I've called and had an online chat with the Venmo support center, and all I was told is that for account suspensions, the only way I can get information is via email. Yet, as I've written, they haven't given me a reason for my suspension. If there is fraudulent activity or a potential identity theft, I need to know ASAP. 

Venmo is not making it easy to get any help or assistance on this issue, and they're not providing information to me to understand what may be going on with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Subject : Complaint Regarding Delayed Availability of Deposited Funds at Bank of America Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding the delayed availability of funds deposited into my account on XX/XX/2024. 

On the aforementioned date, I deposited a check from another account of mine into my Bank of America account. At the time of the deposit, I was assured by a representative of Bank of America that the funds would be available for use by the next business day. However, upon reviewing my account information the following day, I discovered that Bank of America had placed a hold on my deposit for a period of five days, until XX/XX/2024. 

Upon further investigation, I confirmed that the check deposited into my Bank of America account had already been cleared from my other account. Therefore, there was no valid reason for Bank of America to delay the availability of these funds in my account. 

I demand that Bank of America immediately release the hold on my deposit and cease the practice of using customer-deposited funds without the explicit permission of the customer. This delay in fund availability has caused undue inconvenience and financial strain on my part. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Bank of America complies with regulations regarding the timely availability of deposited funds and respects the rights of its customers. 

Thank you for your attention to this matter. 

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 monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

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 2024-02-13 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: FL

Complaint narrative:
This is my second notice regarding the inaccurate items that are being reported on my credit. Up until this point the agencies have ignored me and my requirements of them, which are to make sure that the items and information that they are reporting are entirely accurate. This is wreaking havoc on my life as I have to continue to reach out to the agencies in order for them to do their job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly appreciated.

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 2024-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
i was gon na buy a car from XXXX XXXX XXXX, i signed the sales agrement, ,but after that, dealership 's owner said that the car had mechaniacal issues and asked me that if i want to have it repaired under the warranty... i said no i i wan na return the car and cancel the sales... 
Dealership did not inform the Bank .and bank still sending me payment bills,, My credit score went XXXX points down...

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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had XXXX fraud back-to-back online cash advances done on my credit card w/ NFCU. I have been receiving notifications my info was listed on the XXXX market web via XXXX. On XX/XX/XXXX a person by the name of XXXX XXXX was fraudulently added to my credit card account as an authorized user. They committed XXXX fraud online cash advances. I have NEVER done a cash advance & these types of transactions are out of my character. In my 5 year history w/ NFCU, I have never done a cash advance, so this should have prompted security verification of this fraud. Even with this being out of character for me, the bank never sent me any sort of notification/text to attempt to verify these transactions were authorized by me so I could attempt to stop the fraud. There are XXXX separate transactions done back to back, XXXX FRAUD Transactions : Transaction # XXXX, online cash advance, was for {$2500.00}, Transaction # XXXX online cash advance was for {$4900.00} and XXXX XXXX online cash advance was for {$4000.00}. 
TOTALING {$11000.00} in fraud online cash advances done after hours with NO verification! 

I never received any notification from the bank regarding what was happening to my account. I keep the balance at {$0.00} and keep my credit card account locked. I believe someone at Navy Federal Credit Union leaked my information to someone who added XXXX XXXX ( a person is unknown to me, I do not know this person ). Once this person was added to my credit card account they committed XXXX fraudulent, unauthorized online cash advances. The only reason I know the name of XXXX XXXX is from my banking statement. The bank would not give me any further information so I am hoping the police can help bring justice. I did not authorize, approve, benefit, or have knowledge of this fraud. It was not until I logged into my bank on XX/XX/XXXX that I saw the balance on my credit card and instantly became sick and panicked and called the bank to report that I had been a victim of ID theft and there was fraud on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Maintaining timely payments has been a consistent practice on this account, and I have never fallen behind. I'm uncertain about the reasons for the presence of late payment remarks on my accounts.

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 2024-02-13 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: MD

Complaint narrative:
Time and time again I have been ignored by the bureaus and I can no longer wait while they continue to fail at their job. The information hat they are reporting is incorrect and false information and I need them to remove the items listed at once. It is my right under federal law to enforce this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: CA

Complaint narrative:
I recently checked my credit report, and I noticed that there is inquiries that it's not authorized by me. Those inquiries show on my credit report by somebody who has my information and try to open up a credit cards. 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 2024-02-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In accordance to the fair Credit reporting act This creditor has violated my rights under 15 usc 1681 Section 602 states I have the right to privacy Section 604 A section 2 It also states Set consumer report agency can not Furnish Account without my written instructions Under 15 USCS 1666b 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 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I dont understand why and how you have my wrong address still I wrote you about this back in XX/XX/XXXX its now XX/XX/XXXX and its still not fixed. Bceause of your inaccurate error I can't put a new roof on my home. Correct or I will be forced to seek more legal councouil

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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.

Complaint narrative:
15 USC 1681 a ( 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 XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-02-13 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: PA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

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 2024-02-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Inquiries are not authorized by me. I lack any information about them, and the company carried them out without seeking my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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.

Complaint narrative:
15 USC 1681 a ( 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 TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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