vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 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. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section ( 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 convections of crimes which antedates the report by more than 7 years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: WI

Complaint narrative:
I opened a credit card and checking account with Upgrade Inc., and then tried to close the account. I had to call them multiple times to get them to close the account in XXXX and XXXX, and in XXXX, I found that the credit card was still open and somehow had a fraudulent charge on it that was accruing interest. I wasn't notified about this and now I have to deal with this stuff even though I had tried to close the account over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2024-06-23 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: TX

Complaint narrative:
Complaint Against Equifax for Violations of 15 USC 6802 and 15 USC 1681b Resulting in Unauthorized Accounts, Addresses, and Inquiries Dear Sir/Madam, I am filing a complaint against Equifax for violations of 15 USC 6802 ( Gramm-Leach-Bliley Act ) and 15 USC 1681b ( Fair Credit Reporting Act ), which have resulted in significant harm to my credit report and financial standing. Details of the Violation : Unauthorized Accounts : Several accounts were opened in my name without my knowledge or consent. Unauthorized Addresses : Incorrect and unauthorized addresses were added to my credit report, which do not belong to me. Unauthorized Inquiries : Inquiries from creditors I have no relationship with appeared on my credit report without my authorization. Impact on Me : As a result of these violations, my personal and financial information has been compromised, leading to severe stress and significant financial consequences. This includes difficulty obtaining credit, potential financial losses, and emotional distress caused by identity theft. Actions Taken : I have taken the following actions to address these issues : Filed an identity theft report with the FTC ( Report Number : XXXX ). Submitted disputes with each credit bureau, including Equifax, to remove the unauthorized information. Requested Resolution : I request the following actions to be taken by Equifax : Immediate Deletion : Remove all unauthorized accounts, addresses, and inquiries from my credit report. Investigation : Conduct a thorough investigation into how my personal information was mishandled and ensure corrective actions are implemented. Assurance : Provide assurance that Equifax will comply with 15 USC 6802 and 15 USC 1681b to prevent such incidents in the future. Corrective Actions : Take appropriate actions against the responsible parties to prevent recurrence. I appreciate your prompt attention to this matter and request confirmation of the actions taken to resolve my complaint. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX  XXXX XXXX immediately thanks.

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 2024-06-23 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: FL

Complaint narrative:
XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual funishers of information.
3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

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 2024-06-23 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: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
I requested a copy and proof that I owed this debt. They sent me a copy of the invoice and balance due however they reported an amount to the credit bureaus twice this amount and refuse to change it. They are showing {$10000.00} owed at all credit bureaus but sent em a letter claiming {$5500.00}. I am requesting the balance be updated and this account be deleted from my credit reports becauase of not being reported accurately.

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 2024-06-23 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I received a letter from Comenity Bank ( previously XXXX XXXX  ) stating that I need to use my XXXX extra points XXXX  credit card otherwise they will close the account. Its been a year+ since I used it last. Since I didnt want a closed account reflected on my credit report, I used the card in XX/XX/XXXX and made five transactions ( see attached transaction 1a ). It was promptly paid off in XX/XX/XXXX. On XX/XX/XXXX, I received a text message from Comenity fraud ( see fraud text ) asking if I can verify the purchase of {$440.00} at XXXX in XXXX TX and asked if it was me, I replied with NO ( note : this was the attempted third transaction ). I called the fraud department telling them that I see two fraudulent charges one at XXXX in XXXX for {$350.00} and one at XXXX XXXX in XXXX for {$490.00}. The attempted third charge was at another XXXX in XXXX. All of these charges were made back to back on XX/XX/XXXX. They closed my card and opened a case investigation. I have not received or heard anything from them until I received a bill on XX/XX/XXXX for the full amount owed. I called them and they said that they came to the conclusion that it was my responsibility because the transactions were chip-read. I asked if they did an investigation what the time was on the transactions as I was caring for my then 11 month old grandchild in XXXX TX ( see attached Supporting doc ). They did not get any time. I believe my card information was stolen from a XXXXXXXX XXXX XXXX in XXXX on XX/XX/XXXX - this is called shimming ( see attached Shimming document ). They claim that this can not be done with their cards so Im responsible. I sent documentation via certified mail proving my whereabouts on XX/XX/XXXX. They received the documents, via mail and email, downloaded them, but have not done anything since. I received another bill on XX/XX/XXXX, with {$18.00} interest charges added to the fraudulent charges and requested payment by XXXX XXXX ( see attached bill ). I contacted them again and the representative then stated that it sounds like someone got ahold of my card and tried using it as fast as they can at as many places they could. He stated he will forward my concern and comments to the investigators in hopes this will be overturned. I would like this matter investigated with them contacting XXXX XXXX, who can vouch my whereabouts on XX/XX/XXXX and I would like these fraudulent charges removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
It has been over 30 days since Ive been attempting to get my annual credit report from Experian. I have attached the error message. Ive tried multiple browsers, contacted support and still no assistance. My credit profile is also not frozen. I have attached a screenshot of the error message. I took a photo on my laptop also screenshot on my mobile device.

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 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I needed to wire out a few XXXX dollars out of my account. So I went to the BoA branch at XXXX XXXX XXXX, XXXX, NY XXXX. There I was given the run around. They held me up for an hour until they were about to close for the weekend. During that times they gave me various reasons why they wouldn't do the wire for me, including an alleged rule that a 4-hour prior request must be made, and that the branch has a limit of $ XXXX for wires. We have been clients of BoA for close to XXXX decades and made wires without any of those supposed rules. We never got notice of any of those supposed rules. Indeed, when I called in BoA customer service, I was told that there are in fact no such rules. Nor can such rule be rational, considering that I can wire online a XXXX dollars. It was obvious a ploy by BoA to illegally deny me access to my money, so that the funds ( for which they pay 0 % interest ) will stay with the bank for its own benefits. Notably, the customer service rep at BoA call-in number, wouldn't do anything more than denying the existence of the alleged rules and advising me to go find another branch...

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 2024-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Misconduct application discharge denial - I attended the XXXX XXXX XXXX XXXX XXXX, a branch of the XXXX XXXX  ( a for-profit school who has recently faced group discharge based on misconduct, also, has been judged against in final judgment for fraud ). I applied for a misconduct discharge of private loans that are XXXX XXXX XXXX, and have tripled in size ( I paid off almost the original principle, and now the remaining balance is double what the initial principle was ). 

Navient deemed my loans eligible for misconduct discharge consideration upon receipt of my prior CFPB complaint. 

I spent approximately 30 hours ensuring I filed all information for the application to the best of my ability, and provided around XXXX pages of evidence which included : My Borrower Defense to Repayment Group Discharge Approval, A notification from the government about the group discharge for XXXX XXXX, A XXXX lawsuit outlining all of the misconduct ( much of which I experienced and had proof of ), A copy of the XXXX final judgment, Job placement rates that are proven to be falsified used as a recruitment method provided the year XXXX XXXX XXXX XXXX, A list of the admissions employees where XXXX individuals shared the same fraudulent title " assistant director of Admissions '' The reason Navient provided on my denial notice is the following : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

All of my misconduct claims are represented by proven behavior by my school, so it feels as if this application was designed to knock out applicants. 

I have requested additional information from Navient regarding reason for my application denial, and what would be needed for reconsideration. I have not received any reply from Navient at the time of writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/2024, TransUnion notified me of the reinsertion of XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite being eliminated days before. 

TransUnion has failed to remove thereinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2024-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hello, On XX/XX/year>, I sold a pair of jeans to a buyer using the app " XXXX. '' Initially, the transaction went smoothly, with payment processed through XXXX. I shipped the jeans promptly to the buyer and maintained communication through the XXXX app. However, subsequent to shipping and adding the tracking number on both platforms, I received a notification from XXXX stating that the buyer had initiated a chargeback with their card issuer, citing issues with the transaction. 

In response, XXXX requested supporting evidence, which I promptly provided. After reviewing the evidence, XXXX forwarded it to the financial institution, American Express, to recover the full amount. Several days later, XXXX notified me that American Express had determined the transaction was authorized, and I should expect to receive the full amount. 

However, it has now been over a month since the transaction, and I have yet to receive the {$14000.00}. As a seller, I fulfilled all responsibilitiesmaintaining communication, timely shipping, and ensuring delivery of the product to the buyer a month ago. Regardless of the authorization status of the transaction, I believe I am entitled to receive the full amount as I have met all seller obligations. 

I chose XXXX and XXXX for their seller protection, yet XXXX charged me approximately {$2000.00} and XXXX around {$600.00} for this transaction. Therefore, both parties bear responsibility in ensuring I recover my funds promptly. 

I am seeking intervention from the CFPB to expedite the resolution and recover my funds. The lack of updates on this case has placed significant financial strain on me, as I am unable to settle my credit card bill despite fulfilling my obligations as a seller. I have attempted to communicate with both American Express and XXXX, but each refers me back to the other without providing a solution. 

I appreciate your attention to this matter and urgently request assistance in resolving this issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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