vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/year> I used rewards points on my Chase card to purchase an egift card for XXXX. I never received the digital card, though I did receive email confirmation of the order. I have made multiple calls to Chase to try to resolve the issue. I have been given multiple assurances that the problem would be handled. It has not been handled. I have not received the egift card. I have requested credit back to my rewards account. For whatever reason, Chase has been unable or unwilling to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: FREEDOM FINANCIAL NETWORK
State: AZ

Complaint narrative:
Your unauthorized derogatory rating has directly caused loan denials and increased interest rates, resulting in documented financial damages. These negative entries violate the Fair Credit Reporting Act and must be immediately deleted from all three consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Sometime in the second week of XXXX, I applied for a credit card with Wells Fargo Bank. I already had a cash back credit card with them. This was for the XXXX card that offered no interest for XXXX  months on purchases. 

I was denied almost immediately, which was obvious that it was based on their algorithm. 

However, the major reason for the denial was incorrect, false, or did not apply to me. I am attaching a letter that I received that states the reason. They are the exact reasons that flashed across the screen almost immediately after I applied. 

I take issue with this because not only is my payment record with Wells Fargo excellent, but my credit scores are good, as you will see in the documents attached. 

The problem is that I was denied by a computer that used incorrect and false information to deny my application. 

When talking with the CFPB rep about it, he was immediately confused because as he said, the first reason of denial should be strong support for approving my application. 

I have XXXX credit cards with a total credit line of {$57000.00}, no balances but a mere {$13.00} set on autopay for Wells Fargo, for which my credit line is {$4100.00}. 

It makes no sense whatsoever. 

I am filing this complaint for several reasons : XXXX. I don't think XXXX  or an algorithm should be making these determinations, especially when it bases it on incorrect information. 

XXXX. I was taken aback by the response of people in customer service all the way up to the XXXX XXXX who refused to acknowledge that there might be a problem with their algorithm. In fact, they sent me XXXX letters on XXXX XXXX, XXXX, and XXXX explaining why I was denied without acknowledging the incorrect information about the ratio of my balance to my credit line. 

XXXX. I would like Wells Fargo to review their algorithm for this credit card application process so mistakes like this do not continue.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of the XXXX XXXX XXXX in XXXX & the XXXX & XXXX XXXX XXXX XXXX  of XXXX & XXXX. As a result there are accounts on my credit report that I did not open, nor did I authorize anyone to open on my behalf. On XX/XX/XXXX I mailed over a certified letter with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting removal of these accounts that were not owned by me. On XX/XX/XXXX this letter was signed and recieved. The response to my written request was " Accounts returned as verified ''. On XX/XX/XXXX I provided subsequent written correspondence requesting debt validation letters showing my signature via written or electronic. This debt validation letter was never provided, nor did the information provided match any of my verifiable data in violation of ( FCRA ) Section XXXX ( a ). On XX/XX/XXXX I sent a final demand requesting the erroneous accounts be removed from my report before filling litigation for damages as a result of violations XXXX ( b ) of FCRA.

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 2024-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
Issue is with Coinbase. 

I created my account many years ago and did not have any issue for a long period of time. Around XXXX  my account would regularly get locked - from what appeared to be an issue with the Coinbase XXXX XXXX  - and would unlock after a period of time. At the beginning I would put in a ticket to Coinbase XXXX, only to get no answers other than " please wait XXXX hours and try again '' - which did seem to work. I made regular, weekly transactions on the platform with no issue. Then around XXXX years ago I discovered that I could no longer buy any cryptocurrency on the platform. Each time I've inquired I still get the " please wait XXXX hours '' copy/paste response, with no actual help. 

At this point my account is locked - and has been locked - for over a year. I'm allowed to sell my crypto and send the money to a bank account, but I am not allowed to buy any more cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

The following addresses appearing on my credit report are incorrect : 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  My actual and current address is : [ Your Correct Address, e.g., XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ] Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA XXXX XXXX b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. 

I request the following actions : XXXX XXXX : Review the incorrect address information and confirm that these addresses do not belong to me. 

Correction or Removal : Remove all inaccurate addresses from my credit report. 

Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information. 

Please complete your investigation and respond within the XXXX  days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, 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 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint to address systemic issues with TransUnion, including inaccuracies in my credit report, discriminatory impacts, and its repeated failure to comply with federal laws governing credit reporting. TransUnions practices have directly harmed me by denying me access to housing and credit, both of which are fundamental to my ability to participate in the economy and live securely. 

Violations and Legal Basis : 1. Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : TransUnion has failed to ensure maximum possible accuracy in my credit report, leading to repeated adverse decisions regarding housing and credit applications. 
15 U.S.C. 1681i : TransUnion has failed to investigate and resolve inaccuracies in a timely manner, a violation of its obligations under federal law. 
XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) : The U.S. Supreme Court held TransUnion liable for providing inaccurate credit reports, highlighting systemic issues within its operations. 

2. Discriminatory Practices Under the Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 : TransUnions reliance on outdated credit metrics perpetuates systemic discrimination, disproportionately impacting individuals without traditional financial histories. 

3. Exploitation of Consumer Data TransUnion profits from selling consumer data to third parties while denying individuals meaningful control over their own financial information. 
Impact on Me : TransUnions practices have directly harmed me by : -Preventing me from securing housing due to erroneous and outdated information in my credit report. 
-Creating systemic barriers to accessing credit, despite my lawful capacity to contract.

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 2024-11-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased an XXXX XXXX for my XXXX XXXX but merchant turned out to be a fraud and did not perform the agreed services nor cancelled the contract when I requested. I asked my credit card company for a chargeback and at the end of 90 days they sent me a letter saying that dispute was not approved due to timing of the claim. However, I filed the claim about 3 months after I purchased the services only and when I was sure that I could not resolve it with the merchant. I do know that credit card companies can resolve the dusputes within 6 months of purchase date. This was completely wrong and unprofessional by citibank...

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 2024-11-26 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:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : 1. EASTERN ACCOUNT SYSTEM In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am going through the hiring process for a federal job that requires top secret security clearance. I was flagged for a Care Credit account through Synchrony Bank. I can not go further with this process until I provide proof that the account has been removed from my credit report or resolved. I reached out to Synchrony Bank last week on Thursday regarding this matter to attempt to pay the {$980.00}. I was informed that the account has been charged off and there was no going further with the matter. 

I would like to have the account removed from my credit or proof showing that it has been completely resolved.

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 2024-11-26 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: FL

Complaint narrative:
I have been a victim of the XXXX data breech in XXXX & the XXXX XXXX XXXX data breach 's of XXXX & XXXX. As a result there are accounts on my credit report that I did not open, nor did I authorize anyone to open on my behalf. On XX/XX/XXXX I mailed over a certified letter with my SSC Card, Driver 's License, & Utility Bill requesting removal of these accounts that were not owned by me. On XX/XX/XXXX this letter was signed and recieved. The response to my written request was " Accounts returned as verified ''. On XX/XX/XXXX I provided subsequent written correspondence requesting debt validation letters showing my signature via written or electronic. This debt validation letter was never provided, nor did the information provided match any of my verifiable data in violation of ( FCRA ) Section 623 ( a ). On XX/XX/XXXX I sent a final demand requesting the erroneous accounts be removed from my report before filling litigation for damages as a result of violations 607 ( b ) of FCRa.

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 2024-11-26 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: Continental Finance Company, LLC
State: IL

Complaint narrative:
I noticed an unauthorized transaction that was debited from my account that I didn't authorize. 

I don't know who this company is and I definitely didn't authorize a payment by phone. I had to pay my bank for a stopped payment and this company should pay this plus other penalties as per law. 

I've never had an contract with this company in the past or present and they should be held accountable for taking money out of my account and saying I authorized it by phone. 

I had to find this company by an extensive XXXX search and I wasn't able to get any help. 

If they have done this to me, I can only imagine how many others feel victim and weren't able to get any relief.

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 2024-11-26 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-26 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-26 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: NY

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity my Proof of Address and my SSN Card.

Company response to consumer: Closed with non-monetary relief