vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased a smart watch as part of a promotional bundle with a new phone on my American Express XXXX personal credit card. The card comes with Extended Warranty insurance. I recently filed a claim for a problem with the smart watch that the manufacturer has certified would have been covered under warranty had it not expired a few months ago. American Express has denied the claim because they assert that, since the bundle was discounted such that the purchase price of the bundle was equal to the original MSRP of the phone, therefore the watch itself must be free and was not charged to the card. This is despite the receipt showing that the bundle discount was applied to the entire cart with both the phone and the watch ( and the original retailer explicitly describing the deal as a " bundle '' in their own terms and conditions ), and the price of the bundle being charged to the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXX TransUnion / 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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: TX

Complaint narrative:
I keep getting frequent emails about my debt. I fully intend to pay all my debts and these emails don't help. Plus I am working on improving my debt situation so I can get a credit card and loans.

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 2024-12-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A dispute was opened on XX/XX/year> for a purchase on XX/XX/year>. We paid {$6200.00} upfront per their requirement to take the order. We contacted the merchant, XXXX XXXX, XXXX via email and phone about the order. XXXX XXXX would not confirm ship date for the flooring ordered. Further research about the company, they have a F rating with XXXX  and many comments about customers who ordered product and never received the merchandise. 
We cancelled the order as it seems it is a scam website. We did not receive any communication regarding the cancellation, until we notified our bank, Chase, about what we believe was a scam. Chase credited us but later after believing XXXX XXXX over us, recharged us. We were told several different stories about why Chase was going ahead with the charge ( verbally ) XXXX was XXXX XXXX claimed they shipped the product to us. The second one was " no Cancellations ''. However, at the same time, XXXX XXXX offered to refund us via check if we cancelled our request for a credit refund if we signed a waiver.

Chase rebilled us on XX/XX/year> without notifying us. On XX/XX/year>, we asked why we were rebilled and Chase said the merchant said it was a final sale. It can't be a final sale, if we never received the merchandise. 
We signed a waiver per the XXXX XXXX 's request to get our refund in XXXX, 2024. They refuse to communicate with us and we are now have our {$6200.00}. 
We have reached out recently again to Chase ( XX/XX/year> ), ( XX/XX/year> ) Chase responded on XX/XX/year> and said they would get back within a few days. We got back to them XX/XX/year> and they confirmed they received the message. So far, we haven't heard from them. 
It is now XX/XX/year> and we still do not have resolution for the reverse credit to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was applying for a credit card and in result of applying and finishing the application they denied my application because there was a credit card open in my name social security number and my birth and not the year I was born and its not allowing me to move forward unless we fix this issue and the individual that has done this was my 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 2024-12-30 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 2024-12-30 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: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: AA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: AR

Complaint narrative:
I am writing to request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and as such, I am entitled to request the immediate removal of fraudulent accounts and inquiries from my credit history. 
The following accounts should be blocked and deleted from my credit file : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$630.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$490.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$9400.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$340.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$340.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3600.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1700.00} Additionally, the following inquiries should be blocked and removed from my credit report as they were made due to unauthorized access stemming from the data breach : 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: AR

Complaint narrative:
I am writing to request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and as such, I am entitled to request the immediate removal of fraudulent accounts and inquiries from my credit history. 
The following accounts should be blocked and deleted from my credit file : 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 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 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 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 Additionally, the following inquiries should be blocked and removed from my credit report as they were made due to unauthorized access stemming from the data breach : 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 XXXX 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 non-monetary relief
Consumer complaint received 2024-12-30 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: KY

Complaint narrative:
I am writing to formally dispute the reporting of an account by XXXX XXXX XXXX with account number XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Specific Errors : This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. 

Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards. 
2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 
3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX XXXX XXXX , are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 
4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports. 

Specific Requests : 1. Conduct a thorough investigation into this account. 
2. Request XXXX XXXX XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 
3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. 
4. Provide me with a written response detailing the results of the investigation and actions taken. 

I expect this matter to be resolved promptly within the timeframes established by law. Should I not receive an adequate resolution, I reserve the right to take additional action, including legal measures, to protect my rights as a 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 non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX, and XXXX, XXXX, several banks ran hard inquiries to apply for credit cards or bank accounts that I never applied for. 
XXXX XX/XX/XXXX XXXX, XXXX, and XXXX XXXX XXXX / XXXX US BANCORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
Working with headway capital has not been a positive experience. The representatives were very sneaky with their wording and reassured me the low interest rate was to my benefit. When I got my line of credit for my business the representative told me that it was 5 % and then didn't explain that it is actually 63 % apr and accrues daily so if you pay it off very fast you pay less interest. 
I have screenshots of text messages with CL visual who is a supplier working with headway capital and he states that my interest rate is 5 % per month. but then said that each month there is a balance it increases by 5 % per month, which doesn't add up to 63 %. It's all very confusing and nothing is direct or clear. But then when you call them on the phone they let you know the interest accrues daily so the text message telling me it accrues monthly is incorrect. 
They misrepresented the interest and never sated that it was 63 %. When I called to complain and get information they told me that's to my benefit, which of course is not. I've paid over {$30000.00} in interest in the last 9 months. I was told the 5 % over the phone and not in writing so there is no way to prove that they misrepresented, but it was awful to look at the account and see how much I was being charged the entire time while thinking I was only paying 5 %. I got this loan in XXXX of XXXX. I paid it off when I found out what was happening, but there was no apology or way to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On or about XX/XX/year> I opened a checking account with PNCBANK.I then linked this account with my brokerage account. On XX/XX/year> I transferred {$100.00} to the PNCBANK, on XX/XX/year> I transferred {$2900.00} to the PNCBANK account, on XX/XX/year> I transferred {$2000.00} into the PNCBANK. Sometime shortly after that they suspended my account without notice or warning .When I called I was transferred to their fraud department. They were rude and refused to tell me why they took my money and promptly suspended my account. I called several time and just got transferred around and no answers. Sometime around XX/XX/year> I discovered without any notice from PNCBANK the account was unsuspended .When I called the PNCBANK fraud department I was rudely told they don't have to tell me why. I subsequently Tried to close the account and was told it was under review from PNCBANK that it would take 30 days then they said 30 to 60 days. Today XX/XX/year> I called PNCBANK they transferred me to fraud department they put me on hold several times the last time they put me on hold for several minutes then abruptly disconnected .Now they will not answer my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C XXXX681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Fundo LLC
State: VA

Complaint narrative:
Hi! I took out a loan with Fundo LLC in XX/XX/year>. I have struggled to make the terms of repayment because of health issues that have limited my ability at times to fully work my second job. This company is threatening me and I believe is highly predatory and deliberately did not charge my acct at the time I told them to last Friday so that they could then tell me my acct was on default in a message today, XX/XX/XXXX. That allows them to charge me massive fees. We had a payment plan set out for each Friday. They are threatening to take 30 percent of my wages. Please help me. This company is highly predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
Someone gave me american express gift cards. i tried to use them at many places and have gotten declined by all of them. i called the company and they offered no help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
XX/XX/year> Subject : Complaint Against Chase Bank Regarding Missing Refunds To Whom It May Concern, I am submitting this complaint regarding an unresolved issue with Chase Bank concerning refunds for XXXX transactions that were never credited to my account ( CLAIM ID : XXXX ). Despite providing all necessary evidence, Chase has declined my claim twice without proper resolution. 

Details of the Issue : 1. I returned items to XXXX, and XXXX issued refunds for these transactions to my Chase account.

2. The refunds have not appeared in my Chase account, and the corresponding charges have not been reversed.

3. I initially submitted a claim to Chase, attaching proof from XXXX demonstrating that the items were received and refunds were granted. 

4. Chase closed the claim without issuing the refunds or reversing the charges. 

5. I reopened the claim, providing the same documentation as evidence, but Chase once again declined the claim without explanation.

Evidence Provided : 1. Documentation from XXXX confirming receipt of the returned items. 
2. Records showing that XXXX issued refunds intended for my Chase account. 

While it should not matter, I believe it is important to note that my professional background is in auditing. The evidence I provided was pervasive and clearly demonstrated that the refunds were issued by XXXX but never credited to my Chase account. The lack of acknowledgment or resolution by Chase is troubling, especially given the completeness of the documentation I submitted.

Desired Resolution : I request that Chase thoroughly investigate this matter, locate the missing refunds, and ensure that they are correctly credited to my account. Additionally, I seek a detailed explanation for why my claim was denied despite clear evidence.

Chase Banks handling of this situation has caused unnecessary financial stress and inconvenience. 

Thank you for your assistance. Please let me know if any additional information or documentation is needed to facilitate this process. 

Sincerely, CLAIM ID : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief