vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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: CA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

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 2024-08-13 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: FL

Complaint narrative:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "

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 2024-08-13 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX and I have placed a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 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, XXXX, 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. '' ( Furnisher of information to credit agencies ) 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. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX and I have placed a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 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. 

XXXX, XXXX, Experian are consumer reporting agencies and I am the XXXX. 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. '' ( Furnisher of information to credit agencies ) 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. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2024-08-13 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello, I filed a dispute with my Synchrony Card ( ending in XXXX ) in XXXX of XXXX for a charge on XX/XX/XXXX to XXXX XXXX XXXX XXXX NY in the amount of {$2000.00}. REF # XXXX. 

I uploaded evidence that XXXX with XXXX XXXX canceled my service two days before my reservation. I have written evidence that XXXX stated he would give me a full refund on XX/XX/XXXX. I have uploaded this evidence. 

I received a letter from Synchrony Bank on XX/XX/XXXX that a credit will Not be issued at this time.The letter states that they have received no proof that a credit is due. I did upload proof that the company canceled my service and a credit is definitely due. 

I have included the written communication from XXXX with XXXX XXXX when he states he will give me a Full Refund but he never did that. XXXX XXXX is committing theft and fraud They have blocked me from all communication. 

Synchrony Bank is supposed to protect their customers against fraud such as this. 

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 monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Friday, XX/XX/year>, I called Capital One and asked what was the best way to pay off the balance of my credit card. The rep told me to send a wire transfer. 

The balance was {$7600.00} There was an automatic payment on the XXXX for {$240.00}. 

On Monday, XX/XX/XXXX, XXXX, my financial advisor, called Capital One and spoke to XXXX XXXX She told him the same thing another rep had told me that day. Both Capital One Representatives recommended paying off the credit card via wire transfer. 

The payment needed to be completed by XXXX XXXX  today to avoid any further fees. XXXX sent a wire transfer to Capital One on XX/XX/year> at XXXXXXXX XXXX. The amount was {$7500.00} - the full amount that would have paid off the balance of my credit card. 

On XX/XX/year>, I found out that the wire transfer payment did not go through. XXXX and I called Capital One together. We were told that Capital One returned the wire transfer payment. It was never applied to my credit card. The rep told us that they do not accept wire transfers. 

As a result of the misinformation that TWO Capital One employees gave us, approximately {$170.00} in interest fees was added to my balance. 

XXXX paid off the remaining balance ( without interest fees ) that day. Confirmation code XXXX. 

On XX/XX/year>. I spoke to supervisor XXXX. Employee number. XXXX. I asked her to wave the interest fees that accrued in my account due to the misinformation that was given to us by two Capital One employees. She refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I pulled my credit report from all ( 3 ) credit Bureaus and all three credit reports are reporting inaccurate personal information. All addresses being reported for the same year ( XXXX ) which has my credit score reflecting ( O ). Please correct immediately as I am currently a victim of Identity Theft & Fraud. Attached proof of addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: VA

Complaint narrative:
On XX/XX/XXXX I pulled my credit report from all ( 3 ) credit Bureaus and all three credit reports are reporting inaccurate personal information. All addresses being reported for the same year ( XXXX ) which has my credit score reflecting ( O ). Please correct immediately as I am currently a victim of Identity Theft & Fraud. Attached proof of addresses.

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 2024-08-13 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: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
My identity got stolen, in which I lost all of my cards and identification in my wallet and I contacted current bank to let them know. And to file a dispute on all the charges that I didnt make, the very next day all my dispute was denied instantly. So I appeal their decision, I sent in XXXX separate police reports, and I was told that in XXXX to XXXX business days I would have a decision on the appeal, now XXXX being told that its going to take XXXX business days. Ive been denied of talking to managers and supervisors on XXXX different occasions. The money was my social security check that I get ever month. All my bills are now behind and now XXXX being to XXXX business days its going to take for them to make a decision. I need my money back, asap I cant wait XXXX business days and I was told in the beginning XXXX to XXXX business days

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-13 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: IL

Complaint narrative:
The company Experian Has failed me as said consumer on a generated report that they failed immensely to properly investigate and properly report under the FCRA 15 U.S. Code 1681e - Compliance procedures they have reported false information and Pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am writing to dispute an unauthorized credit inquiry that appears on my credit report dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ]. The inquiry was made by [ XXXX, XXXX XXXX XXXXXXXX XXXX AMEX ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ Company/Entity Name ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX I placed an order with XXXX. For this order I specified no tomatoes and no salad, and this is my standard order due to the fact that I XXXX XXXX XXXX XXXX. I'm not necessarily allergic, but XXXX XXXX XXXX XXXX XXXX  ( this only applies to fresh tomatoes ). When my order was delivered, I discovered that it did include tomatoes and salad, and the receipt clearly states to exclude them. I immediately contacted XXXX and advised that my food was no prepared to my specifications and that I would not be able to eat my meals. Their response was to offer me {$10.00} in compensation for a {$58.00} order. I advised that I would be disputing with my bank, but I have not been able to resolve this issue with my bank. After Chime " investigated '' this 2 times they concluded that no error had occurred even though I submitted photos of my receipt specifying no tomatoes, as well as pictures of the tomatoes I picked off and tomatoes on the actual food. It is unfair to me as a consumer that I have to pay for a meal that I was not able to enjoy. I have made further complaints against XXXX in order to resolve this matter and I as submitting this complaint against Chime because I do not believe they use thorough investigative procedures, if they actually investigate at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Transacation ID : XXXX Date of Transaction : XX/XX/year> I made a recent transaction to a paypal user through XXXX & XXXX and now I'm not sure if I'll receive my money back. I sent them {$20.00} as a test to see if they'd send me concert tickets after I sent my payment and they never did, turns out they're a scammer. I already tried contacting them & they won't return my money. I want to receive a refund and paypal is taking forever to help with my case. If they don't help me with a refund, I'll just call my bank instead. The name of the paypal user I sent money to was XXXX XXXX. He is a scammer and pretends to be a fan account, selling fake concert tickets on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Usaa is a virtual bank. They do not have local branches. I uploaded checks mobility. I uploaded check properly per tgier instructions. They mishandled the upload because they have internal issues. This processed have errors after receiving checks and they mishandled my deposit and penalized my account. Thier banking mobile upload should not be allow because it have errors that effect customers accounts and they are unwilling to fix issues on accounts due to flaws in thier system and thier management of customers funds.

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 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Incident Summary Date of Incident : XX/XX/year>, around midnight Details : 1. Phone Compromise : On the night of XX/XX/year>, my phone service was disrupted. Initially, I assumed it was a network issue. The next morning, I went to my phone provider 's store, received a new XXXX card, and restored my service. However, during the outage, the hacker transferred my phone number to their device, resetting passwords for my accounts, including XXXX, bank accounts, XXXX, credit cards, and XXXX. They even created new accounts, such as XXXX XXXX and XXXX XXXX XXXX, in my name. 

2. Immediate Actions Taken : o Chase Bank : On XX/XX/year>, I immediately visited the local branch and requested them to freeze my accounts. Despite my immediate request, Chase failed to secure my personal account, resulting in unauthorized transfers of approximately {$15000.00}. Repeated attempts to resolve this with Chase 's fraud department and local branch manager, XXXX XXXX, have been futile. The hacker managed to transfer money from my account by receiving verification codes via SMS, which they accessed through my compromised phone. 

XXXX : The hacker executed numerous transactions, sold my investments, and emptied my account. XXXX froze my account after a significant delay but has yet to refund the ~ {$11000.00} lost. They require a statement from my phone provider, XXXX, which refuses to provide any information without a legal notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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