vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I am a credit card holder for XXXX XXXXAvant LLC . On XX/XX/XXXX I made my monthly payment ( by telephone, this company does not offer automated assistance and therefore it is generally with a " offshore '' customer service representative. I was informed that I would receive my confirmation by e-mail. On XX/XX/XXXX, I received a telephone call from my bank, XXXX XXXX, " Account Take over Fraud Department. I was informed that I needed to shut down my checking account and open another one ... with the representative. VERY suspicious, I declined to do this until I could go to my local branch bank and do it in person. In addition, they could not give me any details as to what was wrong. I have been a customer for over 26 years with XXXX XXXX. ( a complaint has been filed with your offices ). On XX/XX/XXXX, I saw a charge from XXXX XXXXAvant and it was from my checking account paid on another customers account, I have the documentation and details from the transaction. I contacted my bank and reported fraud ( they never disclosed to me that this was the " transaction ''. I filed a complaint with the XXXX of Illinois, ( this is where the company does business ) and read over 250 complaints against this company. To date they have not assisted me with my complaint or taken corrective legal action for the internal fraud that was committed, or refunded my money. Today, i received a response from the XXXX that Avant is sorry for my inconvenience and asked if I would e-mail them the bank information that I hold. I want this company held liable for the illegal fraud. I am due to make my monthly payment to Avant this month but extremely concerned due to the breech of my personal and confidential information by XXXX XXXXAvant LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: SC

Complaint narrative:
There were several accounts open in my name 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 and 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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I had received a text message from Chime saying heres your Chime passcode, do not share with anyone. I called chime to verify that someone did not fraudulently open an account with them in my name. I spoke to a representative at XXXX and they asked me for some information and the last 4 of my social security number. They then said that there wasnt an account with my information. So I ended the call thinking everything was fine. 

Today, XX/XX/XXXX, I received a Chime debit card in my name and it had my address and with a direct deposit form. I never applied for a Chime account and obviously the customer service representative I spoke to on XX/XX/XXXX did not check my information correctly. So whoever this person is, they have a virtual debit card in my name that theyre using with the Chime app and are committing identity theft and the Chime company does not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: DISCOVER BANK
State: IN

Complaint narrative:
I purchased a XXXX thru XXXX XXXX  site using their breeder XXXX XXXX paid high fees to XXXX XXXX they require when paying breeder for deposit and final amount. The dog was agreed to be transported on XX/XX/XXXX it did not come and the breeder nor her transport contact she gave me would answer ..so i disputed deposit and payment i thought dog wasnt coming with no replys. Then around XXXX  a day later dog was delivered without the promised 1 year genetic health guarantee. So i closed dispute since i had dog then. But 2 weeks later the dog was having diarhea since she got here then XXXX dog had XXXX we rushed her to e r vet. She had body temp of XXXX was cold and no glucose level at all. XXXX XXXX and the XXXX vet said XXXX is only found microsoic doesnt show on fecals. Also said this is a toy pup which i was not informed of i was buying a dog that would grow to XXXX to XXXX. She also said pup that tiny shoukd not of left the brreeder until 12 weeks at the least this is an entirely different issue inhave a veryvsick dog and discover refuses to reopen dispute or start new one. Breeder is hostile XXXX XXXX company mgr XXXX will notnhelp me i researched to getva healthy pup she my vet says and i sent medical recorders from er vet and mine that the pup had gardia from breeder environment. Plus geneticly hypoglymic and needsba stunt in XXXX later she cant be vaccinated this sick. I want a full refund back to my discover card for both transactions to and thru XXXX XXXX XXXXXXXX plus fees and XXXX plus fees. I proved the vets diagnosis plus i paid for a healthy dog. Instead i have a toy dog. With health issues. Breeder refuses to honor 1cyear guatantee. Please get mevmynmoney back this is wrong unfair and false advertising by XXXX XXXX for protection and breeder posts XXXX not toy or mini. I want discover to dispute again since this is entirely different issue that has harmed me financially and my other dogs and myself exsposed to gardia..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I have a leased XXXX BMW with BMW financials and for the first time after 6 years there was a misunderstanding between BMW financials and XXXX XXXX XXXX XXXX where i have my account, i have made a payment on XX/XX/XXXX for the month of XX/XX/XXXX and for some reason BMW didn't get the money, no one from BMW financials contacted me about the issue and when i have realized that XXXX didnt make the payment i went ahead and made another payment on XX/XX/XXXX not only did BMW charged me a returned payment fee and they flagged my account for 30 days passed due after I made the payment on XX/XX/XXXX which has been collected by BMW financials now this action on their part dropped my XXXX XXXX by XXXX points. i want them not only to stop flagging my credit also to give me back those XXXX points that i have lost due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was gifted an {$840.00} Amex pre-paid digital gift card from my XXXX. She purchased the card on XX/XX/XXXX. I have tried to use the card with XXXX, XXXX, a local XXXX store and XXXX. All transactions were declined. I tried adding the card to my XXXX XXXX account and paying with XXXX XXXX, the payment was still declined. I then called the Amex customer service number 3 separate times- XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. They appear to have a third party customer service company that is completely unable to assist. I asked them if they had a list of blocked vendors as I read online that some giftcards block certain vendors for fraud protection purposes. They said they couldn't provide that. The card doesn't seem to be usable and I can't get any help from their customer service team. Hoping to figure out a way to receive this money in a way that it can actually be spent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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:
I didn't apply for a card in process of buying a home

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 2024-01-05 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:
I didn't apply for a card in process of buying a home

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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 am writing to officially dispute certain items on my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 
I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ 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 2024-01-06 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: NV

Complaint narrative:
In 15 days from the present date, I anticipate the receipt of a monthly updated credit report. I trust that the items highlighted in this complaint, as well as those identified in my previous complaint dated XXXXXXXX  have been addressed and rectified in the impending update. It is imperative to emphasize that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expeditiously remove any items flagged by the consumer as information stemming from a purported identity theft within four business days of receipt. Regrettably, despite my persistent efforts through various correspondences, these fraudulent items remain unaddressed within your records. I implore you to adhere to the legal stipulations outlined in FCRA Section 605b, which necessitate the removal of the items detailed in the identity theft report XXXX XXXX The specific items are reiterated below for clarity : 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 2024-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
I called in asking for payments to cease withdrawal for date on XX/XX/24. I called in on XX/XX/24 and spoke with agent, XXXX, who refused to comply with FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I ask that late payments be removed Late payments- Privacy and consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: AZ

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I am not sure who my student loan servicer is. I have not recieved a statement or email. My old servicer was great lakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
In accordance with the FCRA, I requested proof that the information was verifiedXXXX XXXX XXXX XXXXXXXX I do not recognize this account. Please REMOVE from my report. Please send back an updated copy of my credit report to the address listed on my I.D . Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I have been checking my credit report because of hard inquiries that I did not authorize. On XXXX XXXX, my XXXX report suddenly had a debt collection for {$250.00}. I looked into this and saw that someone opened an account with XXXX XXXX XXXX and XXXX since XX/XX/XXXX XXXX This isn't me and I would like to have the debt removed from my credit reports. I tried to dispute it, but have now learned I need more information. I am attaching a police report from this summer. I was not aware of XXXX XXXX at that time. 

I am sending an identity theft letter to the following address : PROFESSIONAL DEBT ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sorry for the scattered notes, but this is what I have from the phone call I made with PDM : XXXX XXXX - XXXX XXXX XXXX About Account - Professional Debt Mediation Send XXXX XXXX XXXX XXXX - XXXX - Subject - Fraud ( My account # ) XXXX and XXXX XXXX, FL and XXXX XXXX, FL XXXX ; XXXX ; XXXX ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
" I am writing to bring to your attention an issue with an Amex Gift Card that I received from my place of employment. The card, which is worth {$100.00} and is digital, appears to be unusable. Despite several attempts, the card is being rejected by multiple companies, and each time I try to use it, fees in the form of cents are deducted, but the purchase is not processed. I have contacted American Express customer service for assistance, but the individual I spoke with was unable to provide a satisfactory resolution to the issue. I am currently awaiting transfer to another associate for further assistance. However, the customer care appears to be outsourced, and as such, I am having difficulty obtaining a resolution to the issue. I respectfully request a refund for the value of the gift card. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06 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: SC

Complaint narrative:
I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family. Please delete these fraudulent accounts from my credit report as soon as possible.

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 2024-01-06 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: SC

Complaint narrative:
I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family. Please delete these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have an American Express XXXX XXXX and I unable it to use it anywhere. It keeps getting declined from every online merchant I try to use it at. When I reached out to American Express I was told to just keep trying til it works somewhere. I tried even using it at XXXX online which allowed me to enter the 4-digit America Express card security code, as instructed by American Express XXXX and still declined there. The customer service is horrible- only automated and never got to speak to anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06 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: CA

Complaint narrative:
Who is refusing to release my funds. I have created a Venmo account for my business a few months ago. My clients have sent me payments via Venmo and now Venmo is holding all my funds and disabled my account with no opportunity to appeal. 
Who attempting to add a bank account, Venmo appears to have trouble with its verification. I have supplied extensive documents pertaining to identification, my business documents, client transactions, banking statements, personals, etc. Everything is valid and up to date. Despite all this, Venmo still is not allowing me to add my valid bank account details and has abruptly and permanently disabled my account XX/XX/ XXXX XXXX 
There is no appeal process. This is unjust to say the least. How can a company deny extensive valid documentations and steal all my hard earned monies?

Company response to consumer: Closed with explanation