vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 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: TX

Complaint narrative:
I have tried during several occasions the past few months to make a purchase with this card or add the card to paypal including recently on XX/XX/2023 for a {$93.00} purchase and today XX/XX/2023 I attempted to add it to my paypal to be used for a purchase but it is declined by the bank for an unknown reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26 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: V and H Portfolio
State: TX

Complaint narrative:
This can't be happening!! This company must remove the as they need to validate this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had a chime account that I used regularly after I deposited my money they closed my account with more than XXXX XXXX dollars in with no reasoning as to why. Now they are refusing to issue a refund for the money left in the account without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello I hope all is well. I am writing you because I have attempted to reach out to you aboyt a fraudulent account on my credit report. The account does not belong to me and there is inaccurate information reporting on my account Everything on my credit report needs to be 100 % accurate and under U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) these accounts are in violation of not reporting with 100 % accuracy across all three reporting agencies there are inaccuracies and inconsistencies.

Also 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 an account without the written consent of the consumer.

I never gave consent to the furnishing of the account and I want to exercisize my right to privacy.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21 Bank of America froze my checking account with no answer they would just tell me it was under reviewed after a year later I was told it was closed due to me having a lot of incoming money and were was my money coming from and who ever send me money they were sending them the money ( they never did ) some money was from my husbands card to mine and they never gave it to him either and me and my husband went to Bank of America they would check my account and would always say its under investigation and gave me a phone number I would call and I would get answers like the will let me know and never did I called XXXX XXXX for about a XXXX or more. I asked about an account that was under my daughters name and mine and it was child support money that they said would give back and never did Bank of America kept all that and I would ask how is my account fraud? And they said it is and then even told me why my husband would use my card if he wasnt authorized I told them at that time we would put money in there he didnt have an account and we were married that if I was accepting his transaction why did it matter? They just said it wasnt under his name. So Im not sure how this account ever was fraud and why did it matter the incoming transactions I had if I told them it was for classic cars my husband had sold and were doing payments every month so it doesnt make sense how its 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 explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a loan from XXXX XXXX in the amount {$350.00}. On XX/XX/XXXX, XXXX had my account was restricted and I couldnt access the account. My Social Security check was deposited on XX/XX/XXXX. XXXX refuses to release my funds which I will have to pay a penalty of {$25.00} per day. I was told it would take XXXX days to process my refund and the account will be permanently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: GA

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please understand that the details in my credit report are inaccurate. It includes addresses, that are not associated with me. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous information.

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 2023-10-26 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: 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/21 XXXX XXXX XXXXXXXX froze my checking account with no answer they would just tell me it was under reviewed after a year later I was told it was closed due to me having a lot of incoming money and were was my money coming from and who ever send me money they were sending them the money ( they never did ) some money was from my husbands card to mine and they never gave it to him either and me and my husband went to XXXX XXXX XXXX they would check my account and would always say its under investigation and gave me a phone number I would call and I would get answers like the will let me know and never did I called XXXX XXXX for about a 1 or more. I asked about an account that was under my daughters name and mine and it was child support money that they said would give back and never did XXXX XXXX XXXX kept all that and I would ask how is my account fraud? And they said it is and then even told me why my husband would use my card if he wasnt authorized I told them at that time we would put money in there he didnt have an account and we were married that if I was accepting his transaction why did it matter? They just said it wasnt under his name. So Im not sure how this account ever was fraud and why did it matter the incoming transactions I had if I told them it was for classic cars my husband had sold and were doing payments every month so it doesnt make sense how its fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank systemically targets consumers with unjustified, unverified " late fees '' ... they purposely delay posting payments to collect late fees. They also consistently deliver their payment requests DAYS before the due date. When I ask for evidence of my payment being " late '', when I purposely send 10 days in advance, they don't produce any form of verification. 

They operate as more of a loan shark than a bank. The XXXX XXXX is passing legislation to prohibit this type of illegal behavior but Synchrony is trying to get as much late fee revenue as possible ... on multiple store accounts where they have bought the credit. 

CHARGING LATE FEES IS THEIR STRATEGY!?!?!?!?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26 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: GA

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX illegally and fraudulently repod a vehicle I was still making payments on, then resold it. They have broken many consumer laws including deceptive business practices. They need to remove their fraudulent reporting from my Transunion and XXXX credit reports. XXXX has already deleted it from my credit history. They claim to offer payment deferrals, but apparently they never actually give them to any customers. ( Please look at their reviews and the many consumers they have taken advantage of in this manner ) I would like actual proof from XXXX of supposed email or letter mailed to me denying deferment, one that was acknowledged and signed by me. 
I would also like to see the loan agreement that shows that they are free to deny deferrals at will, again something that I acknowledged or signed. 
They have nothing of the sort, because they are committing fraud. Stating I was 22 days late? Ive provided proof of payments through XX/XX/XXXX, XXXX to be deferred. They broke the law. Simple as that.

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 2023-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
On XX/XX/2023 received 3 calls from a No Caller ID and a voicemail about debt that I do not owe. 
Today, on XX/XX/2023 I checked my credit score and noticed it dropped XXXX points. I checked to see what caused this on XXXX. I saw that I had two debt collections from XXXX XXXX XXXX. XXXX for {$1000.00} opened on XX/XX/2023 and XXXX for {$1400.00} on XX/XX/2023. The original creditor is XXXX XXXX XXXX and the address tied to the debt is in XXXX. I am a XXXX XXXX XXXX living in New York with my parents and I have no friends nor family living in XXXX. This debt is not mine because I have no utilities bill and I don't live there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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:
AUD # XXXX The reports need to be updated to the correct status and information for all credit XXXX bank accounts. Please update the status as I and the creditor have asked you to multiple times now. The balances are {$0.00}

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 non-monetary relief
Consumer complaint received 2023-10-26 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: CO

Complaint narrative:
XXXX XXXX XXXX  The reports need to be updated to the correct status and information for all XXXX XXXX XXXX accounts. Please update the status as I and the creditor have asked you to multiple times now. The balances are {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: GA

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I had been using PayPal.com for XXXX XXXX XXXX for several years. After some problems in XX/XX/XXXX, I stopped using PayPal.com and began using XXXX. I had forgotten to close my PayPal account. In the last week, I have been receiving several calls from PayPal/Potential Scam and they never left a message. Yesterday, XX/XX/XXXX, I received a text message that reads : PayPal : Action needed on your account. Please go to XXXX XXXX XXXX or call us at XXXX. Reply STOP to stop text messages. 

I looked at PayPal and discovered the payments I was owing were all payments that I paid with a new card, after I was scammed at my bank. I then called this number in the text and told them the fees PayPal was asking for were already paid. The person I was talking to kept asking for the last 4 digits of my Social Security card. I finally hung up the call. 

I have received confimation that these payments have all been made, but they are not showing up on my bank account. I told the bank about this and am going over later this afternoon to explain more to them. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: HI

Complaint narrative:
I tried to send money to my mom in XXXX using XXXX. I accidentally connected my FNBO direct account to the XXXX XXXX account on the FNBO XXXX  website. FNBO directly held my account and told me to reach out to the company. I did call 5 times. The customer care agents just emailed the Fraud department requesting the information and reaching out to me for more information. but no one contacted me. I finally talked to a customer care agent named XXXX who reached out to the Fraud department. he said the investigation would take 1-2 months and I have no access to my money in the accounts. The process of investigation is not able to disclose and I will receive a check after the investigation. I did not know if this was a typical procedure to hold my money for XXXX months for just the simple mistake I made on the website. I would like to ask if you tell FNBO direct to speed up the investigation.

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 2023-10-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX, XXXX and Equifax are the companies reporting information to my credit file that are a result of identity theft. I have gone a step further into creating a police report with the following reference number ref : XXXX I have previously reported this to the federal trade commission and also to the cfpb and these credit bureaus continue to not provide me with what I have specifically requested which is a contract with my signature on it for each and every fraudulent reporting item on my credit file. 

several years back i placed my wallet down in a department store and it was stolen! the items inside where my social security card and my licenses containing my addresses and a couple XXXX dollars. Today i took it a step further and reported a police report stating this exactly and additionally that my information continues to be used for credit. 

I am requesting a set of contracts with my signature on them to verify that these negative reporting items are indeed mines. I do not need these negative items to say verified, or updated. i need to be sent a written contractual agreement with my signature on them or a swift removal of said accounts. 

In the past I have not had the resources to take the credit bureaus to court but today is different and I have documented everything I've done to try and get these negative items removed for my legal safe keeping, I am ready to take this matter to legal proceedings. This is a request to have this matter taken a little more seriously and provide me with what I have requested. 

Note i have never had a fade hand dealt at credit in my life because of this The items reporting on my report that should not be reporting and any and all correlating hard inquiries related to said fraudulent accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX date opened : XX/XX/XXXX balance : {$360.00} XXXX XXXX date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened- XX/XX/XXXX balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX date opened : XX/XX/XXXX balance : {$300.00} XXXX XXXX XXXX date opened : XX/XX/XXXX balance : {$680.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX balance {$360.00} date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX balance : {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX balance : {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance : {$360.00} date opened date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX balance : {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance : {$2000.00} XXXX date opened : XX/XX/XXXX

Company response to consumer: Closed with explanation