vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
About XXXX weeks ago I reported my credit card lost and Bank of America issued me a new card. I recently received my new card and before I had a chance to use it, Bank of America shared my new card information with a merchant without my consent. When I called for an explanation they said that the merchant presented them with a subscription contract I have with the merchant and they had no choice but honor the charge. I don't understand how they can validate any contract and make a decision based on that. Aren't merchant 's required to get authorization from a credit card user before they charge it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear sir, I have received an email and two letters regarding my closed account of TJX Rewards Platinum Mastercard XXXX At first, I need to check one important thing. The ending account numbers referred in an email, two letters, and the past bill are different. There are two ending account numbers XXXX and XXXX, all of them indicate my name, XXXX XXXX, and the residing address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 
-- The bill which I have paid off recently has the account ending numbers XXXX, which has the billing address TJX Rewards/SYNCB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-- The letter prepared on XX/XX/year> has the account ending number XXXX, and office address is Synchrony Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
-- The letter prepared on XX/XX/year> had the account ending number XXXX, and office address is Synchrony Bank, XXXX XXXX XXXX, XXXX XXXX XXXX. This letter explains why the Rewards of my credit cards are not usable as it was closed. Since this letter says the card ending XXXX is closed, even if this card ending XXXX was fraud credit, I am fine from the threat of illegal charging to me. Anyway, from the beginning, I want to ask why Synchrony Bank indicates there might be another credit card named on my name, XXXX XXXX, without any inquiry. I want to make sure there is not a credit card ending XXXX with my name, XXXX XXXX. 
-- An email which indicates the payment is processed has the ending number XXXX. And this email has origin of Synchrony Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I just want to make sure the payment of my spending is processed correctly on my credit card issued by your company. Also, I want to make sure the credit card is closed permanently. 
The letter prepared on XX/XX/year> asked the consumer to initiate your company for an investigation and flag my information into your system to prevent additional accounts from being opened in my name without additional verification. Since there are two account ending numbers which are XXXX that I am familiar with and another ending number XXXX with my name, but I never had this card, I request the further investigation whether your company allowed to open a card in my name without necessary identity verification. As I am already tackled with all credit report companies, I will not do anymore. And I also has the identity theft report from FTC, still, your company innocently asked me to act necessary actions for fraud, I just request further actions the aftercare of fraud activity and identity theft caused by your company. 
Sincerely,

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is incorrectly listed, so kindly remove it from my credit file. I am entitled to receive {$1000.00} for each incorrect report on my credit file.

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 2024-05-23 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I HAVE A CARE CREDIT CARD. I WAS SUDDENLY CHARGED {$240.00} IN INTEREST ON A BALANCE OF ABOUT {$450.00}.

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 2024-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company has failed to comply within the required time allowed by law. XXXX XXXX is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX due to the response I received. 

This company has ignored myself for months on this matter. I am gathering all of this information for further litigation. XXXX is making money off me while maintaining my credit in the ruins and selling my information to third parties.

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 2024-05-23 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
1.Paypal by cfpb is credit card alike company to protect customer 's right. 
2.I purchased laptop from XXXX received and found XXXX XXXX XXXX, XXXX XXXX XXXXXXXX dispute to Paypal and attached seller 's agreement to partial refund USDXXXX email. 
3.Seller play trick asked me to cancel paypal dispute and refused to refund after that. 
3.Paypal ignored and said dispute didn't sustained and ignore my right completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed several things on my consumer report that are incomplete and inaccurate. And according to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information that is concerning the person/individual about whom the report relates. These accounts are not complete or accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I I have found some information that is inaccurate on my credit report. You are reporting a late payments on ( XX/XX/year>, ) and ( XX/XX/year> ) on the account ( XXXX XXXXXXXX XXXX XXXXXXXX # XXXX ). 
This is not true, I was never late. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. Also provide proof of bank statements from the original creditor that provides proof of late payments and if that can not be provided I demand this account to be updated to never late.

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 2024-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: MI

Complaint narrative:
Cash App doing business as XXXX, XXXX was notified by me that 2 transactions that were sent from my account was not authorized by me and this individual accessed my account to send themselves multiple transactions from my account. I contacted them to have the money sent back to me because federal law states when a consumer has unauthorized transactions they are only liable for up to {$50.00}. The transactions are for {$580.00} & {$160.00}. ( a ) Conditions for liability. A consumer may be held liable, within the limitations described in paragraph ( b ) of this section, for an unauthorized electronic fund transfer involving the consumer 's account only if the financial institution has provided the disclosures required by 1005.7 ( b ) ( 1 ), ( 2 ), and ( 3 ). If the unauthorized transfer involved an access device, it must be an accepted access device and the financial institution must have provided a means to identify the consumer to whom it was issued. Official interpretation of 6 ( a ) Conditions for Liability ( b ) Limitations on amount of liability. A consumer 's liability for an unauthorized electronic fund transfer or a series of related unauthorized transfers shall be determined as follows : Official interpretation of 6 ( b ) Limitations on Amount of Liability ( 1 ) Timely notice given. If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened the account but usually a day later or two days later they freeze then close my account and dont give me the specific reason. Even when asked to provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: U.S. BANCORP
State: MI

Complaint narrative:
I recently have looked at my credit report there is multiple inquirys that were not made by me.

The second thing is one of my accounts one main financial. shows a late payment and is incorrect. I called they said they would fix it but only updated with XXXX but not XXXX XXXX or XXXX. 
1 : their was a hard inquiry from XXXX. This was not done by me 2. There was a hard inquiry by XXXX XXXX done not by me 3. There was a hard inquiry by elan financial done not by me.

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 2024-05-23 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: UT

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request that you remove the child support information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 1 ), child support obligations are not considered " credit items '' and should not be included on a credit report.

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has stated that " child support obligations are not debts and should not be reported as such '' ( CFPB Bulletin XXXX ). 
Please remove this information from my credit report immediately. My account information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Number : XXXX Please confirm in writing that this information has been removed within 30 days.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I I have found some information that is inaccurate on my credit report. You are reporting a late payments on ( XX/XX/year>, ) and ( XX/XX/year> ) on the account ( XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX ). 
This is not true, I was never late. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. Also provide proof of bank statements from the original creditor that provides proof of late payments and if that can not be provided I demand this account to be updated to never late.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX when calling, again, to resolve the outstanding balance, I was transferred to another service department. After the transfer, I was told that I had insurance in place for my account which is referred to as Account XXXX. Then given a an XXXX number to call, XXXX. When I called that number, a woman named XXXX answered and told me that the account did, in fact, have account assure in place. She then proceeded to ask me very detailed information regarding the issues regarding payment, medical information, employment, periods of unemployment, and a history of the last several months or when any of these issues would have started. AFTER giving her this information, the woman then said, no, you dont have this service on your account and it was removed in XXXX of XXXX. 

When calling back to get the balance due and resolve the problems with the account, the excessive fees associated with the account because of the account assure not being applied to the account in XXXX of XXXX - I was hung up on several times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-23 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: UT

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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:
I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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