vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, along with the Privacy Act of 1974, the accounts listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information under 15 U.S.C. 1681 and 15 U.S.C. 1681b. 

Accounts ( 4 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing Experian Credit Reporting XXXX to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights.

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

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 2024-01-08 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: OH

Complaint narrative:
bureau name : EXPERIAN bureau address : EXPERIAN XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX, XXXX CREDIT REPAIR CONSUMER LAWS : Based on, You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer according to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that a consumer does not initiate. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

Dear EXPERIAN, The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Unauthorized Inquiries : 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 under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we have already involved and sent this letter to the Complaint portal for ( the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2024-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC
State: HI

Complaint narrative:
During the XXXX XXXX, California was on and off lock down for approximately 2 years. Due to the pandemic my father required XXXX. He was XXXX XXXX XXXX with XXXX  XXXX  and other medical conditions. I was relegated to becoming his primary caregiver. The lengthy duration of the pandemic lock down decimated my ability to earn income as a small business owner. 

I applied for a Lending Point loan out of desperation to survive, as I was struggling to pay for rent and food. The loan money was used to survive. The terms of the Lending Point loan consisted of monthly payments of {$400.00} for 36 months. Lending Point was relentless on late payments, did not provide a grace period, and reported late payments to the credit agencies after being one day late. I contacted Lending Point several times for some form of relief. They adamantly refused to offer a grace period.

Eventually I asked Lending Point to re-structure my loan to reduce my monthly payments. Lending Point finally agreed to a loan restructure, albeit at significant increase in interest payments. During several loan restructure conversations Lending Point representatives would state, they would assist me in getting the late payment removed if I would pay the past due amount in full today and restructure my loan agreement, which I did. I trusted in that these representatives would assist in the removal of the late payment. They deceived and manipulated me. 

During the restructuring of the loan there was a lot of back and forth communication over a period of several months. It was during this period that Lending Point reported 3 late payments for being one day late. Additionally, Lending Point required the total late amount due to be paid before they would discuss the loan restructure. I would be one day late on payment and Lending Point would require the total amount to be paid, and then still report the late payment.

Eventually, I paid the Lending Point loan in full, and early. The three late payments are the only derogatory marks on my credit report.

According to section 401 of the updated Heroes Act, there was a moratorium on furnishing adverse information to credit bureaus during the XXXX pandemic, and for 120 days afterward. Consumers can request adverse information to be removed during the covered period, will be held harmless, and not suffer further damage by having late, or missed payments, ruin their credit report, and reduce their credit score. The above erroneous late payments meet the requirements for this covered period.

I am filing this complaint with the Consumer Financial Protection Agency against Lending Point for not honoring section 401 of the Heroes Act and the memorandum on adverse credit agency reporting, and for not operating in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
The DOE discharged all my loans, they sent a letter say I owned nothing. The servicing company Aidvantage is still reporting my information wrong, even though I have received a letter from them saying my balance is XXXX. i will like to sue them for wrong credit reporting. I have spoken with the 3 credit bureaus, and they said aidvantge says I still owe I have a copy of the documents from the DOE and aidvantage proving my balance is XXXX. I have spent hours talking to them and trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
On XX/XX/2023 at approximately XXXX XXXX  one person from titlemax conspired with one person from XXXX XXXXXXXX XXXX XXXX to illegally trespass on my private property to steal my property. I was never given full disclosure of this consumer credit transaction/ Security Agreement which makes the contract and anything agreed to null and void. You have breached the peace, in violation of breach of duty, breach of trust and breach of contract. You are asking for payment in floating rate notes when the Constitution/ Bill of rights state the only Lawful currency is gold and silver hence makes this transaction an obligation or other security of the United States . You failed to send me a " Notice of right to cure '' before stealing my property, also your employee XXXX from the XXXX, Tennessee location disclosed that I have not paid to someone not signed on the contract. You have damaged me emotionally, Financially and physically by restraining my ability to trade. My prayer for relief is you release my property back to me and compensate me to the full extent for the damages and serious harm you caused me. This is Extortion and I will express all my legal remedies if the matter is not resolved promptly. If compliance with your SEC filings is not honored I will be forced to contact the SEC for violations of said agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
I have repeatedly requested the address XXXX XXXX XXXX XXXX XXXX, NY XXXX , to be REMOVED and provided my 6-generation address of XXXX XXXX XXXX, NY XXXX, to be corrected and remain on the report. All three credit bureaus refuse to acknowledge it.

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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase said they sent me a request for information for my Chase XXXX XXXX by mail that I did not receive. Because I didn't respond to my letter, they closed my account. I did not realize it was closed until more than 30 days had gone by, and because of this they say my approximately XXXX Chase Ultimate Rewards points that I had earned had been forfeited. I would just like them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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:
Dear Government Department, I trust this message finds you well. I am writing to bring to your attention a discrepancy in the promotional offer I received upon opening a Chase Amazon Prime credit card on XX/XX/. 

At the time of opening my account, there was a promotion in place entitling new users to a {$60.00} gift card. I promptly received the allocated gift card amount as per the initial promotion. However, shortly thereafter, the promotion was revised, and new applicants were offered a {$100.00} gift card. 

I have made attempts to address this matter directly with Amazon, but unfortunately, there seems to be no avenue for escalation regarding promotions associated with their specific credit cards through Chase. 

I kindly request your assistance in facilitating the adjustment of the promotional offer to reflect the current {$100.00} promotion. I believe it is only fair that I receive the {$40.00} difference, as I received a significantly lower benefit compared to those applying for the same exact card under the revised promotion. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, along with the Privacy Act of 1974, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information unde

r 15 U.S.C. 1681 and 15 U.S.C. 1681b. Accounts ( 3 )
: XXXX XXXX XXXX Inquires ( 7 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing TransUnion Credit Reporting Bureau to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

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 2024-01-08 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: TX

Complaint narrative:
Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put on notice.

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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
An account was opened in XXXX of 2017 and it was not authorized by me and it is currently closed. I have been trying to get the situation resolved since then

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
I HAVE NEVER APPLIED FOR CREDIT WITH XXXX  XXXX ON XXXX. 
I HAVE NEVER APPLIED FOR PERSONAL CREDIT WITH XXXX XXXXXXXX ON XXXX. 
BOTH COMPANIES HAVE BEEN NOTIFIED. 
THESE UNAUTHORIZED TRANSACTIONS FOR CREDIT ARE NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, along with the Privacy Act of 1974, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information under 15 U.S.C. 1681 and 15 U.S.C. 1681b. 

Accounts ( 3 ) : XXXX XXXX XXXX Inquires ( 7 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing TransUnion Credit Reporting Bureau to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

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 2024-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am writing to express my extreme frustration and anger regarding the negative payment status on my credit report for an account that is being incorrectly reported as a late payment account with a balance due. I have reached out to INDIGO - CELTIC BANK regarding the validity of the debt, but they failed to provide any proof of the alleged late payment. Therefore, I demand that you provide proof that this account was 30 days late and update the balance to { {$0.00} } or delete the negative payment status on this account immediately. The account in question is : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/2019 Balance : {$190.00}. Despite my repeated attempts to resolve this issue with both INDIGO - XXXX BANK and your bureau, I have faced nothing but obstacles and delays. It is unacceptable that this negative payment status is still on my report, and I demand that it be removed immediately. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( 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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
MY INFORMATION WAS SOLD AND BIOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT EQUIFAX HAS ADMITTED THAT I WAS INFACT A VICTIM OF THIS DATA BREACH AND EQUIFAX HAS DONE NOTHING. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XX/XX/23 I was fraudulently charged {$9.00} for international transaction fee three times and {$300.00} sent through XXXX XXXX. I had received a text from what looked like USPS about package delivery fee. I had another package delayed that made it seem legit. I tried a few times to use the card to pay, but it never seemed to go through. I have no confirmation that it was ever successful. After third try, I went to USPS site to verify the page. It was similar, but not exact. That is when I became aware of possible fraud. Still, without confirmation of any kind, I went on thinking I was spared. Then I found the transactions on my Wells Fargo account. I reported immediately to Wells Fargo and have now received a denial stating these were authorized payments. How do I get my money back. There is no way to contact XXXX  since I do not have an account since Ive never intentionally used that service. Help?

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