vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: AZ

Complaint narrative:
This is a letter of mayor importance, I recently send a letter due to fraudulent activity on my consumer report. No changes have been made with the investigation. I have never applied for XXXX XXXX and there are several XXXXXXXX XXXX accounts in my name. This were open fraudulent and I asked they are removed as soon as possible. Thank you for your time on this matter. 

XXXX XXXX opened XX/XX/year> 2023

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 2024-12-28 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: AZ

Complaint narrative:
This is a letter of mayor importance, I recently send a letter due to fraudulent activity on my consumer report. No changes have been made with the investigation. I have never applied for XXXX XXXX  and there are several XXXX XXXX accounts in my name. This were open fraudulent and I asked they are removed as soon as possible. Thank you for your time on this matter. 

XXXX XXXX opened XX/XX/year> 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, at around XXXX, I attempted to use my card to make an approximately {$30.00} purchase through a food delivery app on my cell phone when my card was declined. This card, a Capital One debit card, is linked with a checking account that has an available balance of around {$3600.00}. I opened my mobile app to check on this issue when I noticed a box of text below my account summary which read " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I called the number and, after some interaction with their chat bot, got hold of a customer support member. That individual told me that the bank had frozen my account but the reason for this action wasn't available to her. She then revealed that the people who are able to lift this hold only work Mondays through Fridays ( XXXX ), meaning that there was no possible way for me to regain access. 

Checking my transaction record, the last transaction I'd made was the night prior. This means that the bank froze my account while I was at work on Friday without notifying me, knowing full well that there wouldn't be a chance for me to resolve this with them for the next sixty or so hours. 

I have notifications from their mobile app enabled, meaning that whenever I make a transaction, a notice appears on my phone 's screen and it vibrates. Given that I work at a place that requires me to constantly use my phone, my phone wasn't set to any privacy mode which would have blocked an incoming call. I looked through my email and found that the last communication I had with Capital One was on Monday, the XXXX of XXXX -- that email from them had nothing to do with placing a hold on my account. 

This checking account contains all of my available finances, meaning I was now totally cut off from buying food and utilizing transportation. 

Capital One could have called me, they could have emailed me, or they could have at least allowed for some sort of grace period. Even still, the reason for this sudden withholding could have been made available to me, allowing me time to work on a solution. This action brought much more than inconvenience to my life and Capital One failed to take any number of steps which would have prevented this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Each week, Comenity Bank excessively calls my husband and me. Today is XX/XX/XXXX, and excluding XX/XX/XXXX since it was a holiday, in the past XXXX days I have recieved almost XXXX phone calls. In the past, I have been over 30 days late with this company and I have documented voicemails that say I have to have an attorney because of legal consequences of being late ; however, when I have called and spoke to representatives, they only had the intention of collection a payment which I made. I think it is deceiving to threaten legal action when the intention was only to collect payment. I also find it unfair that my original lender was XXXX XXXX who then changed creditors who then change the rules and rates but I as the borrower can't change myself out for someone else to owe this debt. If I am obligated to this debt, I think the original lender with the original agreement should be too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against PayPal , Inc. regarding an unresolved fraud claim related to the theft of my identity. Despite providing substantial evidence, including official reports from the FBI and the Federal Trade Commission ( FTC ), my claim was closed without resolution in my favor. 

Details of the Complaint : Name : XXXX XXXX XXXX XXXX Email Address : XXXX / XXXX Contact Phone Number : XXXX / XXXX PayPal Account Email : XXXX XXXX ID : XXXX Case ID : XXXX Date of Fraudulent Transaction : XX/XX/2024 Amount of Disputed Transaction : {$980.00} Summary of the Issue : On XX/XX/2024, I discovered a fraudulent transaction on my PayPal account. I immediately reported the unauthorized activity to PayPal and provided extensive documentation to support my claim, including identity theft reports submitted to the FBI and FTC. Despite this, PayPal closed my case against me, stating that they did not find sufficient evidence of fraud.

I believe that PayPal did not conduct a thorough investigation of my case, which has resulted in significant financial and emotional distress. I am seeking the CFPB 's assistance in re-opening my claim and ensuring a fair and comprehensive review of all provided evidence. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: AR

Complaint narrative:
I have identified multiple accounts on my credit report that were added without my permission. I urge you to block and remove these fraudulent items promptly.

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 2024-12-28 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-12-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: NE

Complaint narrative:
During pandemic my XXXX was deposited in to a USBANK reliacard prepaid account my initial depositwas $ XXXX due to a delay in payments as they say " backpay ''. I soon realized my account had beenfrozen. The reliacard never informed me of the freeze or purpose behind it, just went to go pay bills oneday and could not access funds. Reliacard requested ID information of to which I complied yet was stilldenied access to my funds. During the freeze I transfered all direct deposits to a different financialinstitution to be able to access funds but not after which US bank reliacard then CLOSED my account ; again this was done without my being informed. A remaining balance of {$13000.00} remained in thereliacard account and they refuse to issue me a cashier check for the remaining available balance at timeof account closure. The issuer waXXXX XXXX XXXXXXXX XXXX who has stated that the XXXX forpandemic has expired and they have no access to the funds once they are issued and definitely can not access the funds since the said program entitled the benefits has timed out. My account balance up until XXXX this year shows an AVAILABLE BALANCE for the above stated amount and I received bankstatements attesting to such. Us bank reliacard says the balance must be returned to the issuer and when i speak to supervisor of accounts for XXXX XXXX XXXX i am told that they do not hold the authority to do any such thing. That once the funds were issued to me it is between myself and the bank thry do not have funds returned to them and Us bank reliacard refuses to acknowledge me at all and have without aforeknowledge closed my account and deactivated it so that i will have absolutely no access at all. How do I get what's rightfully mine? ** I never wanted to bank with them in the first place.Desired XXXXesolution : What would resolve this matter to my satisfaction? Release MY funds to me via Cashier check or bank transfer. I only want what belongs to me.I would like to be contacted.

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 2024-12-28 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: NJ

Complaint narrative:
I hereby state that I did not receive my periodic statement for my XXXX XXXX  account # XXXX from XXXX within the 21-day timeframe required by 15 USC 1666b ( a ). This statute mandates that creditors mail or deliver periodic statements, including the required information under 15 USC 1637 ( b ), at least 21 days before the payment due date.

I further state that the failure to receive my periodic statement within the 21-day timeframe may have prevented me from making timely payments and may have resulted in adverse consequences such as late fees, negative credit reporting, or other penalties.

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 2024-12-28 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am writing this review to express my deep frustration and disappointment with cashapp. This is regarding my account that was hacked by an ex bf, once I realize my account was hacked. I contacted Cash App immediately to dispute the transactions that were made, and they came back with an email telling me that no mistake made. I had several different accounts attached to this cash app, and because my ex stole my phone he had access to multiple of my accounts that he attached to my Cash App. Just recently I got a transfer of {$1900.00} from my account that I reported as fraud immediately and still no response or nothing being done. This will continue to happen if Cash App does not fix this. Im so disappointed, because before this happened, I really loved to Cash App and relied on them for every day transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: FL

Complaint narrative:
XXXX XXXX XXXX date of birth XX/XX/XXXX Contents This CFPB complaint has been filed to request pursuant to FCRA s 605B ( 15 U.S.C s 1681c - 2 ). that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of A Account opened on XX/XX/XXXX At XXXX Account number XXXX this account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud i have attended a copy of FTC Identity Theft criminal complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Correct address for Lexington law class action sue name at time XXXX XXXX XX/XX/year> contract information XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. I have all documents needed to verify that I used Lexington Law firm for credit repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX. Refunds Issued as Gift Cards Instead of Cash I made a request in XXXX not to receive refunds via gift cards, yet Macy 's has continued to issue them despite your preferences. This issue has been ongoing for several years since XXXX and still going all these years. 
Despite multiple interactions with customer service and confirmations that gift cards were issued, you never received them. 
XXXX. Expired Gift Cards and No Reimbursement According to the most recent information provided by a Macys representative, there are a {$40.00} gift cards issued in your name, but they have expired because they were not used within the time frame. Macys is now refusing to refund you in any other manner. 
Ive been told that these gift cards are no longer valid, but no other refund option or compensation has been offered. 
3. Lack of Clear Communication and Documentation Despite being a loyal customer and consistently paying my bills on time, Im experiencing poor customer service and no one at Macys seems to know whats going on with your refunds. 
I spoke to a supervisor in the gift card department who claimed to have access to your orders but could not provide any information on the returns associated with those gift cards.

4. Delayed Refunds and Accrued Interest Another issue Ive faced is delays in receiving refunds for returns. I noticed that refunds often take several weeks, causing you to incur interest charges on your Macy 's credit card for money I should have already been reimbursed.

This delay in issuing refunds seems to be a recurring problem.

5. Discrepancies in Order Dates Ive noticed discrepancies in my account, specifically with order dates. For example, you I told that an order was placed on XX/XX/XXXX, but when I checked, the order was actually submitted on XX/XX/XXXX. This could indicate issues with Macy 's internal records or the handling of your account. 
6. Legal Rights Im aware that, under the law, customers are entitled to a refund within 10 days after returning a product, provided the return has been confirmed as received by the company. It seems that Macy 's is not adhering to this timeline in your case, and the delay has caused significant inconvenience and financial harm. 
7. Unfair Treatment I believe that, as a long-time customer who has always paid her bills on time, you should not be treated this way. Im asking for my money back, as well as any interest that may have been accrued due to Macys failure to process my refund in a timely manner.

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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I was made aware that our bank account was being closed due to fraud activity. We got notice after they closed the account. My husband is the only worker in the house and we have XXXX children to feed. USAA will not allow us access to even part of our money to buy groceries. How are we meant to survive for the 60 day timeframe they have given us?

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