vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: GA

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 Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: CA

Complaint narrative:
I found an incorrect item on my credit report. 
Discover Bank Account number XXXX ************** XXXX {$610.00} This credit card account is unknown. 
I have not received or used this credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX. In the year of XXXX, Navy Federal Credit Union allowed multiple merchants to charge fraudulent purchases to my account. 

XXXX. In XXXX of XXXX, I purchased a phone from XXXX XXXX XXXX for {$64.00}. 

XXXX. I returned the phone XXXX minutes after leaving the phone. 

XXXX. I provided Navy Federal Credit Union with a police report I filed for the fraudulent activity, as well as an incident report that I filed with XXXX XXXX XXXX. 

XXXX. Navy Federal Credit Union stated that they needed a return receipt in order to show that the phone was returned. 

XXXX. I provided Navy Federal Credit Union with the return receipt and my dispute was still denied with no reason given. 

XXXX. In XXXX, Navy Federal Credit Union has continued to allow merchants to steal money from my checking account. 

XXXX. XXXX fraudulently charged me a {$30.00} cancellation fee for an order that was delivered. 

XXXX. XXXX also fraudulently charged me in the amount of {$21.00} for an order that their delivery driver did not deliver. 

XXXX. Navy Federal Credit Union refused to open disputes on the previous XXXX fraudulent charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-16 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: VA

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.

has violated my rights. Or a list of inquiries : 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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Urgent Request Regarding Identity Theft Investigation I am writing to express my extreme frustration and disappointment regarding the handling of my identity theft case. In XXXX 2022, someone fraudulently used my personal information to make a purchase from XXXX XXXX XXXX Despite my repeated attempts to resolve this issue with both XXXX and your bureau, I have yet to receive a comprehensive report of the investigation conducted. 

As a result of this identity theft, I have accrued approximately {$500.00} in interest fees for purchases I never made. This situation has caused me significant stress and anxiety, and the financial burden is substantial for me to bear responsibility for purchases I did not authorize. 

XXXX directed me to file a police report, which I promptly did and submitted to your bureau as requested. However, I have not received any detailed investigation findings from you, apart from the generic response stating that my purchases were deemed non-fraudulent. 

I implore you to understand the gravity of this situation and the toll it has taken on my life. The lack of transparency and urgency in resolving this matter has only exacerbated my distress. I urge you to conduct a thorough investigation into the identity theft case and provide me with a detailed report of your findings promptly. 

I appreciate your immediate attention to this matter and expect a timely resolution. Your cooperation in rectifying this issue and alleviating my pain and frustration is greatly appreciated.

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 2024-02-16 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:
Subject : Urgent Request Regarding Identity Theft Investigation I am writing to express my extreme frustration and disappointment regarding the handling of my identity theft case. In XXXX 2022, someone fraudulently used my personal information to make a purchase from XXXX XXXX XXXX Despite my repeated attempts to resolve this issue with both XXXX and your bureau, I have yet to receive a comprehensive report of the investigation conducted. 

As a result of this identity theft, I have accrued approximately {$500.00} in interest fees for purchases I never made. This situation has caused me significant stress and anxiety, and the financial burden is substantial for me to bear responsibility for purchases I did not authorize. 

XXXX directed me to file a police report, which I promptly did and submitted to your bureau as requested. However, I have not received any detailed investigation findings from you, apart from the generic response stating that my purchases were deemed non-fraudulent. 

I implore you to understand the gravity of this situation and the toll it has taken on my life. The lack of transparency and urgency in resolving this matter has only exacerbated my distress. I urge you to conduct a thorough investigation into the identity theft case and provide me with a detailed report of your findings promptly. 

I appreciate your immediate attention to this matter and expect a timely resolution. Your cooperation in rectifying this issue and alleviating my pain and frustration is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: GA

Complaint narrative:
There is an issue with my credit report. I have tried several times to have erroneous information removed. I disputed these accounts with the credit reporting agencies. They responded back to me and said it was verified with U.S. BK courts and XXXX XXXX. I requested information from them and they informed that the information unverifiable and should be deleted. I am enclosing a documentation to support the removal of all XXXX XXXX XXXX 's on my credit report. I am enclosing the proper documentation. 

-Chapter XXXX XXXX case # XXXX -Chapter XXXX XXXX case # XXXX -Chapter XXXX XXXX case # XXXX -Chapter XXXX XXXX case # XXXX -Chapter XXXX XXXX case # XXXX -Chapter XXXX XXXX case # XXXX -Chapter XXXX XXXX case # 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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Equifax ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Equifax ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Equifax ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Equifax ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: NY

Complaint narrative:
In their terms and conditions, they state that after 12 months of perfect on time payments, I will get my security deposit back and my card will then be turned in to an unsecured line of credit. It has almost been 5 years since I have opened the card. They refuse to give me my security deposit back, even though I have a perfect payment history. I never have missed a payment. Every time I call them to get answers, I get none.

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 2024-02-16 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: NY

Complaint narrative:
In the course of reviewing my credit report, I spotted inaccurate and fraudulent 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 non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I over paid a medical bill and was sent a {$50.00} debit card from XXXX. I tried to activate the card but could not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Debit card was used to purchase game from XXXX. Unfortunately game would crash and there were server issues which made the game unplayable. 

Contacted XXXX however they refused to provide a refund. Contacted my bank ( Chime ) and disputed the amount. 

Chime refused to provide a refund even though XXXX refund terms were provided and I was within the 14/30 day window. Per the XXXX user agreement debit card holders are not responsible for items that are received in damaged and/or non-functional condition. 

This is unacceptable and predatory behavior that only serves Chime. If this issue can not be resolved in this format then I will be filing for arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have two currently have two PayPal accounts. The first is a business account that has been operating for years. The second account is the subject of this complaint. I am a XXXX creditor/victim. PayPal was selected as the distribution agent to accept our funds and allocate them back to the customer during the bankruptcy process. 

This account was opened solely to accept my XXXX cryptocurrency distribution. On XX/XX/XXXX, I received my crypto distributions on PayPal. On that same day, I sent XXXX Bitcoin to my external wallet. I wanted to send more and get the assets of the platform as soon as possible. I knew I couldn't trust PayPal. On that same day, I requested an increase in my weekly crypto withdrawal from {$10000.00} to {$40000.00}. I submitted the requisite form and never heard back. I decided to sell all of my crypto using PayPal and remove the fiat funds. Time was of the essence. Any assets kept on the PayPal platform are in extreme danger of being seized by the company or the account being limited ( exactly what happened here ). 

On XX/XX/24, I sold the remaining crypto assets. I attempted to withdraw {$5000.00} to my bank account and I requested a paper check in the amount of {$63000.00} to be sent to my home address. On XX/XX/24, the account was limited by the company. I attempted to verify the account multiple times. However, I can not complete the third and fourth steps ( bank account verification ). First, the bank accounts were already verified via the XXXX platform previously. Secondly, when I do try to verify again using their link, nothing happens. I am just taken back the main page showing my bank account. I attempted to contact PayPal multiple times that day. It is almost impossible to speak to a person. The automated system simply hangs up on me when I request a representative. 

PayPal was chosen as the requisite distribution agent for tens of thousands of XXXX creditors. It is not allowed to restrict user funds associated with the XXXX distributions. A review of all activity on this account will show that the account was used solely to receive the crypto, and the fiat dollars remaining on the account are from the crypto distributions. No other activity is on this account. 

Not only is this limitation activity likely illegal as it goes against a court appointed judgement stipulation, it is also morally reprehensible. I have already been a victim of the XXXX collapse already. Holding my funds and essentially stealing them a second time is outrageous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: TN

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am in the process of buying a car and while checking my credit report I noticed these false inquiries affecting my livelihood. I am a new single mom and need to get a bigger car for my son. These damages are causing more stress. These are negatively impacting my emotional and mental state making buying a car a more difficult process. I have already been in breaches and thought you guys were going to protect my information. Now my family and I are being impacted emotionally and mentally. According to, 15 U.S. Code 1681S- 2 Responsibilities of furnishers of information to consumer reporting agencies ; the credit agency has the responsibility to make sure all information is ACCURATE on your report. This is out of my character but this is affecting me. The inquires are 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 2024-02-16 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: CBC Companies, Inc.
State: TX

Complaint narrative:
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: GA

Complaint narrative:
XXXX - During the XXXX and XXXX XXXX XXXX merger, my contact info was lost on my loan account, resulting in negative credit marks. 

On two occasions, XX/XX/XXXX and XX/XX/XXXX, payment issues caused payments not to be processed. XXXX only contacted me after the payment was 30 days past due and typically after receiving a notification from credit monitoring that my account was past delinquent. 

In the most recent occurrence, the mortgage rep confirmed again after my account was updated in XX/XX/XXXX, my account did not have phone or email information on my mortgage account, preventing late payment alerts on or around the XXXX. It's not till after the payment goes 30+ days that the issue is handed over to a different department that XXXX finds my phone number. I have a total of 12 XXXX accounts, I have banked and have had a Mortgage with XXXX for 20+ years, and have never had these issues until the merger. 

I currently have four mortgage accounts and two HELOCs with various banks, and I have no issues with processing payments or receiving phone calls. Yet, XXXX keeps losing my account contact 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