vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 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: NJ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year> I left the XXXX for a trip to XXXX, XXXX and returned on XX/XX/year>. Upon final return to my long term hotel room on XX/XX/year> that I am utilizing for business purposes on a long term stay I realized that someone had entered my room without authorization and stolen my old wallet, business cellphone, and business debit card under the business name XXXX XXXX XXXX XXXX XXXX. The local police were called and a police report was filed for the items, initial investigation by the hotel shows a key card accessed my room while I was gone but the hotel and police will not release further info to me at this time. I immediately contacted my bank Bank of America on XX/XX/year> and advised them of the matter, ( Claim Number XXXX ) intially I was given a wrong claim number but contacted them again and was given the correct number, someone utilized my debit card at a XXXX for {$2000.00} and XXXX on XX/XX/year> and again on XX/XX/year> for the amount {$2800.00} my claim was denied on XX/XX/year> I was told on XX/XX/year> even the representative reopened the claim saying that it should not have been denied as I faxed in a copy of the police report and a copy of a filed XXXX XXXX report showing that I chartered a private flight showing my departure date on XX/XX/year> and my return on XX/XX/year> additionally I filed a copy of my old Drivers License and new Drivers License from the new State I got a Drivers License in as the old Drivers License which was used to make these purchases had a hole punched in it by the State DMV which indicates to all merchants that this ID was no longer valid this what all State DMV 's do when your issued a new Drivers License to identify that this ID is no longer valid and new one in another State has been issued so the merchant XXXX should have never accepted this ID for these purchases.

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 2024-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Winklevoss Exchange LLC
State: MA

Complaint narrative:
Hello Sir/Madam, I opened my crypto wallet account in Gemini & I transferred cash to my new Gemini account. It was working fine till XX/XX/year>. I convert that cash into XXXX & send that XXXX to my other wallet I have on XXXX. Yesterday XX/XX/year> when I tried to send my XXXX from Gemini account to XXXX  account, Gemini froze my account stating there was suspicious activity on my wallet. 

Gemini has no right to froze account without my consent or if I report Gemini for any fraudulent activity in my account. 

I did research on Gemini & Gemini have so many complaints against them to Freeze customers account to steal the funds from their account. 

Please take strict against Gemini & XXXX XXXX Gemini XXXX, Partners, XXXX, Employees etc., ASAP to take Customers funds & freeze their accounts & stating there was fraudulent activity in your account. 

I can understand Gemini have policy to freeze customers account if they find suspicious activity. However they should return customers funds to their bank account. 

Gemini have no right to use Customers funds & freeze their accounts. 

I want all my funds back into my bank account ASAP. Gemini should pay for the damages that caused me & shouldn't deduct any fees from my account. 

I need full money back to my back account what I had transferred to Gemini account. 

Please take a strict & revoke their business license so that they can scam any future customers. 

Please help me. 

Thanks. 
Your 's Truly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocary group helping me due to human trafficking debt bondsge, which falls under trafficking according to trafficking-debt final rule XXXX. XXXX ( b ) ( XXXX ) XXXX. XXXX ( b ) ( XXXX ). i kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the fair credit reporting act. i am a victim of human trafficking of debt bondage & would like for all listed accounts to be blocked and deleted company information transunion. please delete the following accounts. merchants credit guide balances {$900.00} & {$2300.00}. XXXXXXXX XXXX guide balance {$1100.00}. XXXX systems balance for {$1500.00}

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 2024-07-20 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:
I am writing in response to your notice about an alleged debt collection. ( XXXX XXXX XXXX  ) Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in XXXX. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address above. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my fourth time writing you to update my person information. 
XXXX XXXX XXXX ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impart and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or a correspondence nor do I have access to any of these addresses plese delete these outdated addresses and update the addresses with the XXXX above. 

My only phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX ( a ) am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of XXXX go XXXX XXXX and all its subsections. 
Please send and updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My checking account was set up to make automatic mid-monthly payments to my XXXX in the amount of {$400.00}. For years this went off without a hitch, but on XX/XX/year>, PenFed erroneously made XXXX such transfers from my account instead of the one they were supposed to make. At the same time, there were issues with their web site making it impossible for the customer to view which transactions, if any, were pending. 

Shortly after the XXXX erroneous transfers were made, I contacted PenFed to alert them to the error and to ensure all future unwanted transfers would be halted. I did *not* ask them to reverse the XXXX erroneous {$400.00} transactions, planning instead to deduct {$800.00} from my next child support payment, but was told at the end of the call that the XXXX erroneous transactions would in fact be reversed. I later received a partial banking statement from my XXXX confirming that the multiple {$400.00} transactions had indeed posted to her account on XX/XX/XXXX, and XXXX of them had been returned to PenFed on XX/XX/XXXX. However, that returned {$800.00} was never credited back to my account, despite my having repeatedly contacted PenFed about the problem. As of today, XX/XX/year>, my PenFed checking account should have a positive balance of about {$260.00}, but is instead. overdrawn by {$540.00}

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 monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
They repeatedly call me early in the morning and all throughout the day continuously. They refuse to stop calling me even after repeated requests

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SD

Complaint narrative:
I called my loan servicer Mohela about consolidating my loans on XX/XX/year> to be able to meet the XX/XX/XXXX deadline for consolidation and public loan forgiveness counts. When I called and spoke with the mohela XXXX I was told that if I consolidated my loans that my loan forgiveness count would start over. 

I trusted what I had been told by the loan expert in which I was calling about my loans. The info I was given is absolutely wrong and if I consolidated prior to the XXXX XXXX deadline I should of been able to have my public loans forgiveness count stay where it was and the lower ones match that. Because of this bad information has and will cause my thousands of more dollars and financial XXXX 

I called XXXX XXXX and they verified that the info I was given was not correct. I called Mohela on XX/XX/year> and the rep confirmed that it is documented on their end that I was given incorrect information as I was within the deadline of when I had called to consolidate and she admitted fault for their wrong information. She said there was nothing she could do and she was sorry. I said that I wanted to talk to someone higher as this was not my error and I did everything I was supposed to do by calling before deadline. She sent me over to Mohela resolution department in which I had to leave a message. I was called back the same day by the XXXX department in which she said I am sorry you were given wrong info but there is still nothing we can do for you and that I would need call XXXX  as they dont have loan forgiveness anymore. I was told by student aid to call Mohela. 

When calling student aid again and informing them of the conversation with mohela I spoke with the XXXX XXXX XXXX department and they said there was nothing for them to do since mohela is my servicer. 

I have submitted a complaint with student aid. 

I was given the wrong information when I did everything on my end I was supposed to within the deadline. When calling to ask questions about my loans I expect that I am talking to something that is an expert with my loans and the information that I am getting is correct and accurate. I have been lied to and its now going to cause me thousands of more dollars and many more years of repayment for something that was absolutely not my error. 

I am asking for my situation to be reviewed and rectified. I want my loans consolidated with being able to keep my public service loan forgiveness count and given the same opportunity as other borrowers. This is absolutely insane that they can get away with this I am the one to suffer for years of financial 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 2024-07-20 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: Credit Card Acquisitions Group
State: LA

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX  and its use of XXXX different debt collection agencies simultaneously to collect a single debt. This practice is not only confusing and harassing but also appears to be a violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I believe XXXX XXXX XXXX has violated the following provisions : XXXX. XXXX USC XXXX ( XXXX ) ** XXXX XXXX XXXX XXXX  has listed the debt without my written consent. I did not authorize the sharing of my information with multiple debt collection agencies, which constitutes a violation of my privacy rights under this section. 

XXXX. XXXX USC XXXX ( b ) ** : The information being reported by XXXX XXXX XXXX is inaccurate and not up-to-date, given that they are using multiple agencies to collect the same debt. This results in a misleading representation of my creditworthiness. 

XXXX. XXXX USC XXXX : XXXX XXXX XXXX has failed to properly investigate and correct inaccuracies on my credit report. Despite my requests, they have continued to report erroneous information, causing undue harm to my credit standing. 

Details of the debt collection agencies involved are as follows : XXXX XXXX XXXX, XXXX, FOSTER AND MONROE LLC I have attached copies of all relevant documentation, including communications with the debt collection companies I request that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX complies with all relevant regulations under the FCRA. Additionally, I seek the removal of any inaccurate information from my credit report and cessation of any further attempts to collect this debt in the manner described. 

Furthermore, under XXXX XXXX Code XXXX, XXXX XXXX XXXX is liable for willful non-compliance with the FCRA. If they fail to delete this inaccurate item after my dispute, they owe me {$1000.00} per item for each instance of non-compliance. 

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

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: LA

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX  and its use of XXXX different debt collection agencies simultaneously to collect a single debt. This practice is not only confusing and harassing but also appears to be a violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I believe XXXX XXXX XXXX has violated the following provisions : XXXX. XXXX USC XXXX ( XXXX ) ** : XXXX XXXX XXXX has listed the debt without my written consent. I did not authorize the sharing of my information with multiple debt collection agencies, which constitutes a violation of my privacy rights under this section. 

XXXX. XXXX USC XXXX ( b ) ** : The information being reported by XXXX XXXX XXXX is inaccurate and not up-to-date, given that they are using multiple agencies to collect the same debt. This results in a misleading representation of my creditworthiness. 

XXXX. XXXX USC XXXX : XXXX XXXX XXXX has failed to properly investigate and correct inaccuracies on my credit report. Despite my requests, they have continued to report erroneous information, causing undue harm to my credit standing. 

Details of the debt collection agencies involved are as follows : XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX I have attached copies of all relevant documentation, including communications with the debt collection companies I request that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX complies with all relevant regulations under the FCRA. Additionally, I seek the removal of any inaccurate information from my credit report and cessation of any further attempts to collect this debt in the manner described. 

Furthermore, under XXXX XXXX Code XXXX, XXXX XXXX XXXX is liable for willful non-compliance with the FCRA. If they fail to delete this inaccurate item after my dispute, they owe me {$1000.00} per item for each instance of non-compliance. 

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

Sincerely, 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 2024-07-20 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Someone has fraudulently tried to open accounts in my name. There are inquiries on my XXXX XXXX XXXX and Chex Systems that need to be addressed immdeiatly.

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 2024-07-20 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: Nelnet, Inc.
State: FL

Complaint narrative:
This loan is over 7 years old and the debt has been cleared but it is still showing on my report as a closed account which is affecting my ability to get a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: Self Financial Inc.
State: GA

Complaint narrative:
Violated my PRIVACY RIGHTS as a federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974 and the right to opt out Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to seek your assistance regarding a denied claim for unauthorized transactions on my checking account with Chase Bank. Despite my numerous attempts to explain the situation, Chase has repeatedly denied my claim, and I am now turning to your office for help.

Here is a summary of the situation : 1. Activation and Loss of Card : I activated my new Chase debit card shortly after receiving it. Unfortunately, my wallet was lost soon after, and while I managed to cancel all my other cards, I forgot to cancel the Chase card as it was very new and I did not recall placing it in my wallet. This account was intended for savings and bill payments only, and I did not use the card for personal purchases. 
XXXX. Unauthorized Transactions : For an entire month, the card was used without my knowledge in various locations, including cities I have not visited, such as XXXX ( I live in XXXX ). I became aware of the unauthorized use only when Chase sent me a notification about a {$500.00} gift card purchase. I immediately called Chase the next day to report the fraudulent transactions and explained my situation to a representative. 
XXXX. Claim Submission and Denial : Despite my prompt report and detailed explanation, the claim was denied. I have written numerous letters to Chase pleading my case, but the denials persist. Chase provided two main reasons for the denial : They claimed I should have been aware of the transactions due to multiple notifications. However, I do not have notifications set up and did not receive any emails regarding the transactions, except for the fraud text about the gift card.

They argued that the card was activated and used immediately. While I did activate the card right away, it was lost soon after, and the unauthorized use began thereafter, which does not justify their denial.

I am extremely frustrated and distressed by this situation, as the unauthorized transactions have significantly impacted my finances. I believe Chase has not fully understood or appropriately addressed my case, and I am in urgent need of your assistance to resolve this matter fairly.

Thank you for your time and attention. I look forward to your prompt response and assistance in this matter.

Company response to consumer: Closed with explanation