vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/year> I signed up for a medical credit card ( Care Credit, through Synchrony Bank ) with a promotional benefit of the first year interest-free. I have been making regular payments but not seeing the debt go down nearly as much as I have been paying. After looking more closely at my monthly statements, on XX/XX/year>, I noticed a fee called " PYMT CARD SECURITY '' that I did not recognize or remember agreeing to. I called the 800 number next to it and asked what the fee was. The representative told me it was a kind of debt insurance. I asked to opt out of the program and she unenrolled me going forward. However, I feel that the fees I have paid so far were hidden and undermined the spirit of the " interest-free '' promotional period, when I should be making more headway on the principal. 

The fees assessed : {$51.00} paid XX/XX/year> ( statement dated XX/XX/year> ) {$50.00} paid XX/XX/year> ( statement dated XX/XX/year> ) {$49.00} paid XX/XX/year> ( statement dated XX/XX/year> ) {$48.00} paid XX/XX/year> ( statement dated XX/XX/year> ) {$48.00} paid XX/XX/year> ( statement dated XX/XX/year> ) {$47.00} paid XX/XX/year> ( statement dated XX/XX/year> ) Total : {$290.00} Then, on XX/XX/XXXX, Synchrony sent me a letter stating that, " [ b ] ased on a recent review of your account, Synchrony has lowered your credit line to {$2800.00}. '' It said that the decision was based " in part '' on a formula and enumerated reasons my credit line was lowered. However, I believe the lowered credit line to be retaliation for opting out of the above debt-insurance scheme because all of the listed reasons were also true at the time the original credit line of {$3200.00} was granted, and because the timing is telling : this is the first billing statement after I opted out of the debt insurance program. I called the bank and the representative refused to discuss why my credit line was lowered, saying only that she could give me XXXX 's customer service number, which is irrelevant to my concern.

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 2024-11-19 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: WA

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. Account XXXX XXXX account number XXXX Account XXXX XXXX  net credit account number XXXX I look in Experian for credit report on XX/XX/year> and notice something 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 assume maximal possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( exb ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatments of inaccurate or unverifiable information. ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information dispute it showed where first payment was in XX/XX/year> and the balance was XXXX this incorrect because no payment was ever made

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 2024-11-19 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:
I am filing a complaint with the EXPERIAN regarding inaccurate reporting and fraudulent accounts listed on my credit report. Upon reviewing my credit report, I discovered multiple accounts that fraudulently reporting and damaging. These accounts have been inaccurately reported to the credit bureaus and are negatively impacting my credit score and financial well-being. Despite disputing these accounts with the credit reporting agencies, the fraudulent entries continue to appear, indicating a failure to correct or remove the inaccurate information as required by law. 

This situation violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 609 ( a ) ( 1 ), which mandate that credit reporting agencies ensure the accuracy and completeness of the information they report and provide consumers with the right to dispute inaccuracies. Additionally, Section 605B of the FCRA outlines that information resulting from fraud or identity theft must be blocked from a consumer 's credit report. The continued presence of these fraudulent accounts on my report, despite my efforts to correct them, constitutes a violation of my rights under the FCRA and has caused substantial harm to my financial standing. I am requesting an immediate investigation into these discrepancies and the removal of any fraudulent accounts 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 explanation
Consumer complaint received 2024-11-19 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what you have on file for me doesn't match what's listed, then there are problems with either your records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-19 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2024-11-19 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: PA

Complaint narrative:
My name is XXXX XXXX, Social Security Number ending in XXXX, XXXX : XX/XX/XXXX ; here is my Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 consist of a personal credit card account opened at XXXX on XX/XX/XXXX, under the account number XXXX, an insurance policy opened at XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) on XX/XX/XXXX, under the account number XXXX, a mobile line account opened at XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX XXXX ( Original Creditor : XXXX ) on XX/XX/XXXX under the account number XXXX, a fraudulent account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and # 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 non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I am retired. My wife travels XXXX XXXXXXXX XXXX XXXX XXXX. We chose our credit cards, because they provided the inducement of insurance coverage for rental cars, which we use when we travel. 

My wife reserved a XXXX XXXX in XXXX XXXX XXXX XXXX for XXXX on her VISA card. I picked up the car and paid the balance with my XXXX. The XXXX rental agreement number was XXXX. Car unit # XXXX. 

On a summer trip to XXXX, I parked our rental car in a private parking lot near the XXXX XXXX XXXX. When we returned after our family visit, the back end of the car had been damaged. There was no note and no attendant. We called the local police and the rental car agency, as required in the rental agreement. In our 40+ years of renting cars, neither of us has ever sustained damage to a rental car. ( In that same period, the card companies have earned {$50000.00} to {$100000.00} in merchant and service fees from our cards. ) The estimate of damage from the XXXX XXXX was just under {$5000.00}. 

We filed a claim with XXXX ( claim # XXXX ), our card insurer. The claim is under {$5000.00}. XXXX is refusing to pay, because the reservation was made with my wife 's XXXX XXXX  and my payment ( for use of the vehicle ) was made with the XXXX. 

We have been loyal paying customers of these credit card providers for 40+ years. The inducement offers that caused us to accept these cards said nothing about coverage being void if we reserved with one card and paid with another. XXXX has sent me some " fine print '' ( which old folks can't even see ), that refers to this loophole. When we realized they were stonewalling, we contacted XXXX to see if they would pay. They said that since we didn't file the same claim within 60 days, they were not responsible. 

We think there must be thousands of families who likewise think they've got rental car liability coverage from credit cards, when the truth is they don't. XXXX and XXXX are looking for ways to avoid payment, even after we've paid them exorbitant fees for decades. Please investigate. Thank you.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Law Office of Gregory Javardian, LLC
State: PA

Complaint narrative:
I have requested on many occasions verification of this alleged HELOC. The original paperwork v is a certified return receipt US Mail. None was provided. Despite this, foreclosure action was initiated by this XXXX XXXX, attorney and debt collection agency and bank, XXXX XXXX. The alleged amount is {$160000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: PA

Complaint narrative:
According to the FCRA and XXXX XXXX compliance reporting standards, the information listed above is my most up-to-date personal information. If what you have on file for me doesn't match what's listed, then there are problems with either your records or those who provide them for verification purposes. In order to comply with FCRA and XXXX XXXX compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
inform you of potential identity theft that I have encountered upon returning from my overseas trip. When I attempted to log into my Credit Karma account, I discovered multiple credit accounts opened in my name that I did not authorize, as well as the closure of one auto loan account without my consent.

I believe I have taken the necessary steps to notify the appropriate authorities regarding this issue, including filing a report with the local police and other relevant organizations. I am reaching out to the FTC to provide documentation and seek guidance on further actions I should take to protect myself and rectify this situation. 

I appreciate your attention to this matter and look forward to any assistance you can provide in resolving these unauthorized activities.

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 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Several wire transfer transactions getting declined by JP Morgan Chase. 3 transactions have been approved but I need to do several more to the exact same account ( recipient is me ).

Even though I did verify my identity etc. Chase Bank keeps refusing to allow the transaction to go through. This is my money which I want to have with another institution. And as I can see now, for a good reason I don't want a big chunk of my money with JP Morgan Chase anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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