vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I tried multiple times to use my AMEX gift card to purchase items on XXXX and XXXX. The card kept getting declined. I called the phone number on the back of the card and they informed me that the card is being declined because the merchants don't accept the gift card due to security reasons.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-22 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: NJ

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 non-monetary relief
Consumer complaint received 2024-01-22 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: IL

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 non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I sent a request to XXXX to update my Legal Name Change, mailing address, and to remove personal information I did not consent to sharing in my credit profile to no avail.

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 2024-01-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The company Bank of American had reported a 30 late claim to XXXX XXXX this was the first late payment in over XXXXen or more years.Payment was sent but was not credit to my account i do my banking on line. i always pay WAY over the rerequired amount so they said they would send letter to XXXX XXXX and have it removed which they said they have done serveal times this has ben going on for two months and is affecting my credit rating the problems to be tran union.I put in a dispute they said they have have never recived a letter yet i was told on XXXX they had the letter and it would come off my credit report in two week which it has not.Please help with this matter thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Mercury Technologies, Inc.
State: NY

Complaint narrative:
Mercury offered me the ability to wire internationally, I transferred {$1600.00} on XX/XX/XXXX for my contractor working on very critical engineering systems. This wire failed with Mercury 's support response : " I took a look at your account and I can see that this payment was returned because the wire partner used on our end is unable to process payments to that bank '' The receiving bank is none other than XXXX and is XXXX 's most popular bank. But so be it I send my money again on the XX/XX/XXXX. 

XXXX XX/XX/XXXX - I chase them up to ask for the XXXX and where my money is, they respond with a screenshot of the trace XXXX XX/XX/XXXX- they claim they have no control in my money any longer XXXX XX/XX/XXXX- all of a sudden support tells me they issued a return after having claimed they have no control from the XXXX - XXXX I've sent 2-3 emails a week and their response is the same : - " it isn't their fault or responsibility '' - " they can not issue me a refund and deal with this negligence in their own time '' I've even email Mercury 's founder many times over, he's ignored my emails each time and just gets some random support person to politely dismiss my request for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1666b. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account Name : XXXX XXXX Account number:XXXX Account Name XXXX XXXX XXXX Account number:XXXX Account Name : XXXX XXXX XXXX XXXX Account number:XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name XXXX XXXX Account number : XXXX 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I wrote a check to our health insurance company for the month of XXXX in 2023 for the amount of {$1700.00} from my Chase checking account and put it in the mail. The money was taken from my account on XXXX XXXX, so I assumed it was the health insurance company. I then received a bill from them saying we owed for the month and I was confused. I then looked at the back of the check and saw a squiggly line in the endorsement, rather than the formally typed endorsement from the health insurance company. I immediately knew it had been stolen. I called Chase to report it and they told me I would receive the money back by the end of the day. This was on XX/XX/2023. I did not receive the money so I called again. This time they told I wouldn't get the money back. I was very upset so called a third time and this person told me I would have to fill out the Declaration of unauthorized endorsement or altered item form and send it to the health insurance company for them to sign their portion. I also filed a police report as well as a USPS claim. I did everything Chase has asked of me and still I have not received the money back. I have gone twice in person into the bank and talked with different managers. The bank should be protecting me rather than treating me like the criminal. My family needs that money back and I don't understand why Chase won't give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
I have a bunch of inquiries on my credit report that I did not authorize. Please remove immediately also see attachment of listed items.

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 2024-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had an existing " XXXX XXXX '' account with Capital One and it has come to my understanding that they created a similar new savings account in XXXX  with a deceptively similar name called a " XXXX XXXX XXXX '' account with considerably more APR. We were never notified that there was a distinction between these XXXX similarly sounding accounts. My old XXXX XXXX account had an APR of XXXX and the new XXXX XXXX XXXX account at XXXX APR. Had I been informed by Capital One that these were not the same APR yielding accounts, I would have moved my money sooner to the higher yielding account. I had about {$7200.00} in the older account which they advertised at the time as a great rate. It was a great rate at around 4 % at the time I opened it. When the market interest rates started a down turn, the savings account automatically adjusted downward, understandably. I assumed that when interest rates started increasing that the savings account would have automatically adjusted with an increase in APR. What Capital One did was keep the existing account holders at the low XXXX APR and offered a new XXXX XXXX XXXX account, again to highlight, with a deceptively similar name at a 4.35 % for new customers. I believed that the rates would have fluctuated with the market as they went up just as they went down with market rate changes. As it stands now I have been getting approximately {$4.00} per month in interest when the new XXXX XXXX account would have yielded approximately {$26.00} per month in the year of XXXX. This is a loss of {$21.00} per month in interest to which I claim Capital One was well aware of when they created the deceptively similar account in XXXX and failing to properly inform account holders of the distinction between the very similar savings accounts. There should have been an automatic adjustment upward in interest rate just as they automatically adjusted downward. If there is any reconciliation of this matter, I would want to be advised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
This form https : //www.experian.comXXXX  to upload documents requesting a XXXX XXXX credit report does not work. It keeps complaining about file sizes being too large even though the files I have tried to upload are less than XXXX XXXXXXXX each and are a total of XXXX files. Each time the upload fails you have to start all over again and fill out the whole form! 

I think it is ridiculous that a company can be this horrible and still be in the business of credit reporting. The whole process is a scam! and the government should do something about 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 explanation
Consumer complaint received 2024-01-22 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:
Despite previous notifications and attempts to rectify the situation, XXXX has failed to conduct a proper investigation and continues to report the account XXXX XXXX XXXX XXXX inaccurately. On XX/XX/XXXX, I sent a letter to Experian detailing the specific errors associated with the account in question, which involves the collection agency XXXX XXXX. I provided evidence highlighting the inaccuracies, and I expected a thorough investigation and prompt correction in accordance with the Fair Credit Reporting Act ( FCRA ). XXXX has since removed this account. To my dismay, Experian has neglected to remove the inaccuracies from my credit report, demonstrating a clear violation of FCRA regulations. Furthermore, this debt is uncollectible. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX. It is now XXXX. The continued reporting of unverified information not only damages my creditworthiness but also constitutes defamation of character. Given the persistent non-compliance with FCRA guidelines, I must inform you that I am left with no recourse but to pursue legal action against XXXX to seek relief, damages, and corrective measures. I urge Experian to address this matter promptly and rectify the inaccuracies on my credit report within 14 days. Failure to do so will leave me with no option but to initiate legal proceedings. I have documented our communications and the specific instances of non-compliance, which will be presented as evidence in any legal proceedings. It is my sincere hope that Experian will take immediate action to rectify this situation and prevent the need for further legal action. I have attached the dispute letter, which is dated, and time stamped as well as the credit report with clear inaccuracies such as the date last active and the XXXX payment history.

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 2024-01-22 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: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/year>, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>

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 2024-01-22 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: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX Date of Inquiry XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-01-22 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: VA

Complaint narrative:
My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. 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 non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on student rights pertaining to privacy. the reporting of my balance and payment information relevant to my student loan accounts is a violation of my privacy which I did not authorize.

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 2024-01-22 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: VA

Complaint narrative:
My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. 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 non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on student rights pertaining to privacy. the reporting of my balance and payment information relevant to my XXXX loan accounts is a violation of my privacy which I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: VA

Complaint narrative:
My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. 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 non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on student rights pertaining to privacy. the reporting of my balance and payment information relevant to my XXXX loan accounts is a violation of my privacy which I did not authorize.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These are the inquires I did not authorize. 


XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXnquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX 
XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation