vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 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: DISCOVER BANK
State: CA

Complaint narrative:
A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS XXXX Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS XXXX Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I did not authorize these hard inquiries appearing on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
We have a Marriott credit card through Chase. We receive monthly paper statements and want to continue receiving monthly paper statements. Frequency when signing into their website to review transactions they try to change our preference for paper statements. They default to e-statements and ask us to confirm. This is misleading and deceptive. They change our preference to e-statements and ask us to confirm. The default should be left at paper statements. It is misleading to confirm their choice not ours. This is a systemic issue and they shouldnt be allowed to change customer choices. Please force them to be more customer friendly and less deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: Certified Credit Reporting, Inc.
State: OR

Complaint narrative:
I did not authorize any of these inquiries : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  XXXX XXXX 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + Credit Unions CERTIFIED CREDIT REP Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
bank of america, close account and am not owing any amount XXXX XXXX, closed account and i paid the balance on i owned on the overdraft acct XXXX XXXX XXXX XXXX closed account and not owning too XXXX XXXX never had any transaction, identity theft. 
XXXX XXXX, closed acct and not owning any amount too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: AL

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 2023-10-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Menards ( Capital One ) store credit card Credit card company drafted out of my checking account XXXX more than what was owed. When I called to get a refund I was told that it would take XXXX weeks to get payment. 

So very wrong - They will be sitting on my hard earned cash for 3 months collecting interest and not paying interest back to me. ( They charge me 25 % if I owe them money ) This is so wrong - Where is the consumer protection with these credit card companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This formal complaint is against Equifax. I have disputed with Equifax a few times regarding the inaccuracy of late payments being reported on my consumer credit report. A letter was mailed to Equifax, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after Equifax 's reinvestigation, the inaccuracies still appear on my credit report. 

XXXX is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting.

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company (XX/XX/XXXX and XX/XX/XXXX ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. 

Equifax ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report. 

In accordance with the Fair Credit Reporting Act, Equifax has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX I initiated an online ACH transfer from my account at [ Navy federal credit union ] to an XXXX XXXX Bank account. The purpose was purchase of a horse.for the price of XXXX $ However, it became apparent that the receiving account was fraudulent. I promptly reported the fraud to my bank, Navy federal credit union which conducted an investigation confirming the fraudulent nature of the transfer. Regrettably, XXXX XXXX Bank has denied my claim, leaving me with significant financial losses and distress. I am now demanding compensation for the full amount of the fraudulent transfer and Ive been asked by XXXX XXXX XXXX bank to appeal this decision through my Navy Federal which petition was denied and Im left alone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: GA

Complaint narrative:
My nonpublic personal information has been compromised, shared with and used by credit reporting agencies without my consent or authorization. I checked my credit report and identified several fraudulent transactions that do not relate to me. No person should be using any of my information without my consent. Utilizing and sharing my information without my consent identity theft and invasion of privacy. Since then my personal information has been compromised and even spread to the dark web and other places. This has caused issues with my finances and even at my workplace.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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:
I filed disputed in XXXXXX/XX/XXXXXXXX about my student loans ( all ) and XXXX, which had an erroneous, but corrected 30 day late. I then sent letters and documentation in XXXX of XXXX to Equifax at XXXX XXXX XXXX, XXXX, GA XXXX. I noticed Equifax then if they did not correct that it was defamatory and I would institute statutory complaints and litigation. I sent a DEMAND they correct. I never heard anything back. I recently, in XXXX and XXXX of XXXX, sent Equifax the attached letter by XXXX Mail, and also filed disputes regarding the student loans XXXX XXXX XXXX XXXX ; US Dept of Education, Dept of Education, et al ) and the XXXX account, which despite corrected information still showed 30 days late. XXXX has had corrected information, and XXXX still had the improper information regarding XXXX which they finally corrected. I have sent emails to top personnel at Equifax in their Corporate Counsel with no reply, acknowledgement, results. They have fixed the XXXX 's item, but not the student loans, which are outdated, incorrect, and reported everywhere else as " paid as agreed/never late '' because they clock started ticking on them in XXXX or XXXX. Equifax has been willfully negligent to malicious in how they are defaming me, causing me pain, suffering, defaming me, and causing me grief and aggravation, and delay. The many ways that a erroneous reporting of credit has harmed me, and they have had every opportunity to correct the items, but have failed to do so. I have satisfied every statutory requirement for notification and demand for them to correct these issues. 
AS YOU CAN SEE FROM THE CREDIT SCORE DISCLOSURE ATTACHED, MY EQUIFAX SCORE IS MUCH LOWER BECAUSE THE FED LOANS ( STUDENT LOAN ACCOUNTS ) ARE STILL THERE IN ERROR DISPITE SEVERAL DISPUTES AND CORRECTED INFORMATION PHYSICALLY SENT TO THEM. 
XXXX of XXXX XXXX 's drops autopay and causes late, which they report, then FIX with all three CRAs in XXXX of XXXX XX/XX/XXXX Equifax is given a dispute on the XXXX account and all student loans, which are past date they may be reported, and were forgiven being reported as paid in full, as agreed XX/XX/XXXX Equifax is sent documentation on XXXX 's account and Fed Loans XXXX XXXX XXXX Disputed are made regarding XX/XX/XXXX and Fed Loand ( Dept of Ed/US Dept of Ed XXXX XX/XX/XXXX Disputes are repeated after 30 day allowance to correct XXXX of XXXX XXXX 's account is finally corrected, was told student loans were, but they were not XXXX of XXXX Student Loans still show lates, causing artificially low score XXXX? XXXX Equifax is sent demands to correct, contact, fix issues, emails sent to highest levels of Corporate Counsel of Equifax and numerous attorneys in the company, no proper response given. 
Equifax has been completely noticed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: CA

Complaint narrative:
I suspect these accounts are the product of identity theft : XXXX XXXX {$0.00}, XXXX XXXXXXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX  {$170.00}

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 2023-10-10 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: NY

Complaint narrative:
I recently received a copy of my TransUnion Credit Report. The credit report showed a credit inquiry by your company that I do not recall authorizing. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
FICO scored lowered XXXX points without a change to credit reporting accounts on XXXX and Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
FICO scored lowered XXXX points without a change to credit reporting accounts on XXXX and 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 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX responding to an online welcome bonus offered by Chase Credit cards I applied for a Chase XXXXXXXX XXXX XXXX with a welcome bonus of XXXX points if you spent XXXX on purchases in the first 3 months from when your account is approved. Plus an additional XXXX points after you spend XXXX within the first 12 months if opening. My account was approved on XX/XX/XXXX and about 1 week later I received my card to use. I quickly spent over XXXX on the credit card. I received an email shortly afterwards congratulating me on reaching the goal and I would receive XXXX points since I spent XXXX on the account within 3 months. I immediately called Chase and informed them that I should be due XXXX as that I had applied online to receive XXXX offer not XXXX. They said they would Research and get back with me. On XX/XX/XXXX I received a letter stating " We appreciate your interest in our new offer to receive XXXX bonus points. Unfortunately, your account isn't eligible to receive it. Promotional offers are only available for select credit cards and aren't transferable between accounts. '' I called spoke with a supervisor and he said he would research this again. Yesterday XX/XX/XXXX I called and the supervisor said that there was nothing they could do but XXXX was all I would receive. BTW the XXXX offer I applied for was still online as of yesterday. I informed the supervisor I even had a picture of the offer and they should be able to research and see that I clicked on the XXXX offer and I did not even know a XXXX offer was available. This has harmed in 2 ways first I didn't receive to appropriate points for the offer they posted online and second I could have charged XXXX on another airline and in doing so received a free companion ticket on that other airline. Please help. I have been " Bait and switched " Thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: National Credit Systems,Inc.
State: NV

Complaint narrative:
XXXX apartments located in XXXX XXXX in XXXX, WA sent my move out statement to my old address they were updated on my new address. They did fraudulently report inaccurate credit information to national credit systems in XXXX GA to the tune of over {$3800.00}. Which was reported to the credit bureaus. This caused a major credit drop, credit denial, and eventually a very high interest rate to secure a car loan I desperately needed. I am a 1099 worker and I use my car for my employment. XXXX offered to remove the file from my credit, neither XXXX or national credit systems has to this day not removed this account from the bureaus. I also reached out via demand letter, neither have not offered any financial loss recovery and have not responded to my demand letter. I am taking them to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This formal complaint is against Experian. I have disputed with Experian a few times regarding the inaccuracy of late payments being reported on my consumer credit report. A letter was mailed to Experian, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after Experian 's reinvestigation, the inaccuracies still appear on my credit report. 

Experian is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting. 

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company ( XXXX  XXXX ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. 

Experian ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report. 

In accordance with the Fair Credit Reporting Act, Experian has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card 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 explanation
Consumer complaint received 2023-10-10 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: Viva Finance Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, XXXX XXXX, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX XXXX, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an XXXX report, If XXXX, XXXX XXXX, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
This account is currently reporting as a charge-off. Im requesting a 1099-c for this consumer credit transaction.

Company response to consumer: Closed with explanation