vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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: LA

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 NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  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 explanation
Consumer complaint received 2024-07-10 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccuracies in the personal information section that require immediate attention.

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 2024-07-10 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: CA

Complaint narrative:
I recently won an American Express gift card and was planning on using this primarily for transportation purposes on ridesharing apps such as XXXX and XXXX since I do not currently own a vehicle. However, I have tried on a few occasions to book a ride on both XXXX and XXXX, but the payment gets declined each time. The balance on my gift card is several XXXX dollars, and the rides I was trying to book were under XXXX dollars, so this is definitely NOT an issue of insufficient funds. 

American Express notes on their website that in order to avoid their gift cards getting declined, one should use them at online merchants that require the card number, expiration and security code. This statement seems highly misleading, as both the XXXX and XXXX apps require ALL of that information, which I entered correctly. And yet, the transactions still get declined each time. In my AmEx gift card transaction history the reason for declining is mentioned as " missing security code, '' however, this is incorrect because both apps do require me to enter the security code. I have attached screenshots to demonstrate this. 

Furthermore, AmEx claims on their website that their gift cards will be accepted " wherever American Express is accepted, '' which is also false or misleading since the gift card keeps getting declined at the XXXX most widely used ridesharing apps in the United States. I have also seen numerous complaints by other customers reported online when it comes to using AmEx gift cards at ridesharing apps as well as several other online merchants. It should not be this difficult or impossible to use these AmEx gift cards for popular online merchants and apps especially when all the required information ( card number, expiration, security code ) is entered correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-10 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: SC

Complaint narrative:
I woulld like to dispute the following inaccurate accounts on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$2600.00} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Dear Ally Financial Customer Service, I hope this message finds you well. I am writing to address a critical issue regarding my account, XXXX, and to urgently request the removal of an erroneous XXXX late payment status from my credit report. 

On XX/XX/year>, I made a payment of {$560.00} towards my account. Despite my diligent efforts to ensure timely payments, I was recently informed that a XXXX late payment has been recorded on my credit report. This information is not only distressing but also incorrect, as I have consistently met my financial obligations. 
As a responsible and proactive customer, I meticulously monitor my account activity and ensure all payments are made promptly. The erroneous late payment status on my account is not a reflection of my payment history and commitment to maintaining a good standing with Ally Financial. 

I strongly believe this error could have resulted from a processing delay or a technical glitch on your end. I kindly request that you conduct a thorough investigation into this matter and rectify the error by removing the XXXX late payment status from my credit report immediately. This negative mark is unjustly affecting my credit score and overall financial health. 

Furthermore, I trust Ally Financial values its customers and their financial well-being. In light of this situation, I urge you to take swift and corrective action to prevent any further inconvenience. Attached are the relevant documents, including proof of payment and correspondence records, to assist in your investigation. 
Please confirm receipt of this letter and provide a timeline for the resolution of this issue. I look forward to your prompt response and the removal of the incorrect late payment status. 

Thank you for your immediate attention to this matter. I appreciate your cooperation and understanding. 

Sincerely, 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc

Complaint narrative:
I have previously submitted an appeal, appeal number : XXXX. However, the issue has not been resolved, and the appeal has been closed. PayPal 's feedback was that my account is in different countries, so the US can not handle my issue. 

What I need to convey is that this transaction issue occurred in XXXX XXXX XXXX XXXX, and I did not receive the corresponding service. The reason I did not receive the service was that I reported a suspected double charge to PayPal, and as a result, PayPal proactively canceled my hotel reservation. Detailed information and related evidence can be found in my previous appeal. 

Currently, I have received a call from PayPal. The representative spoke with me for almost an hour, eventually telling me that they confirmed the responsibility does not lie with me, but they are powerless to help. They shifted the responsibility to the hotel platform and my credit card bank, suggesting I continue seeking a solution on my own. They also mentioned they would attempt to contact the hotel platform but could not guarantee the outcome. 

My payment was made through PayPal, and as my intermediary, PayPal should protect the consumer. As a world-class company, it is highly irresponsible to shirk responsibility and treat users this way. 

My request is for PayPal to take this issue seriously under the supervision of the CFPB and provide me with a fair resolution. I have voice recordings of my communication with PayPal, which can be provided as evidence at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: NC

Complaint narrative:
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX # XXXX Date open XX/XX/XXXX states that I had a late payment on XX/XX/XXXX but before this showed another date, since I have started asking for the dates to be corrected, they just keep moving around one 30day late which never happened. This was sent to me on File Number XXXX of TransUnion Issued XX/XX/XXXX. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint against CREDIT COLLECTION SERV, a collection agency that has been violating my consumer rights under various consumer protection laws. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : CREDIT COLLECTION SERV has failed to provide me with the required validation information regarding the debt they are attempting to collect. Despite repeated requests, I have not received any documentation or validation of the debt, which is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ). Violation of 12 CFR 1006.34
( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account in question. CREDIT COLLECTION SERV placed a collection on my consumer report without providing the necessary information and without giving me a chance to dispute the validity of the debt. This is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Violation of 12 CFR Part 1006 : CREDIT COLLECTION SERV has been using false, misleading, and deceptive means to collect the debt. They have misrepresented the amount of the debt and have used threatening language in their communications. These actions are in violation of 12 CFR Part 1006, which prohibits debt collectors from engaging in deceptive practices. 

Violation of XXXX XXXX XXXXXXXX Statute of Limitations : The statute of limitations to collect this debt in XXXX XXXX XXXXXXXX has passed. According to XXXX XXXX  XXXX laws, the statute of limitations for debt collection is three years. CREDIT COLLECTION SERV is attempting to collect a debt that is beyond this period, which is an additional violation of my consumer rights.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
In early XXXX, I noticed a collection account for Spring Oak Capital for {$1000.00}. I looked into the matter and learned it was the result of ID theft. I completed an FTC ID theft report XXXX and sent it to the credit bureaus as well as via email to this collection agency. The accounts were removed from the credit reports but months later reappeared. I disputed them AGAIN and this time I called Spring Oak Capital to reiterate my previous email which included the ID theft report and ask what I could do to get them to stop reporting this debt. This was in mid XX/XX/XXXX- the woman at Spring Oak Capital said that there was NOTHING I could do to dispute it with them but not to worry about it, the debt was being imminently returned to the original creditor and would not be reported by them anymore. The account has repeatedly reappeared on my credit reports and on XX/XX/XXXX they once again - despite having been provided with my ID theft affidavit - reported to XXXX that this {$1000.00} debt is valid notwithstanding my claim of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: OH

Complaint narrative:
The company Chime Bank closed my account last year in XXXX at the beginning and said they would mail my balance by check which was a balance of {$200.00} but it's almost a year later and nothing, every time I call they say the will expire it to financial team or manager but nothing happens from that, when I ask to speak to manager they either hangup or redirect me to someone else that works there not a manager, never get to speak to one. Recently contacted y'all and chime sent a email saying to update mailing address to send check and I have sent multiple emails but they send a email back saying to respond to email or select one of the options in email but there is none, I called to update it and a lady updated on the phone she was saying but then said after XXXX says I'm gon na redirect you to financial to update mailing address but hangup on me they keep doing this not resolving the issue please help me it's been a year or more stealing my money and not giving me answers or solving it, left phone number with chime peoples I talked to so they would contact me and never do its been XXXX weeks trying to update mailing address with no success, i emailed and called chime, please help, thankyou for your time. XXXX bless

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. Despite submitting FTC Report # XXXX, these items remain unresolved. Upon reviewing my records, I noticed that several items I requested to be removed are still present on my credit report. I have discovered that under Section 605B of the Fair Credit Reporting Act ( FCRA ), you are legally required to remove items found to be inaccurate or erroneous. The disputed items are unfamiliar to me. I am attaching the necessary FTC Report for your reference. Please remove these items : XXXX. XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX XXXX Balance : {$540.00} XXXX. XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX XXXX Balance : {$3400.00} XXXX. XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$4500.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. Please remove the disputed items, as they were opened without my consent or knowledge, in accordance with Section 605B of the 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. Despite submitting FTC Report # XXXX, these items remain unresolved. Upon reviewing my records, I noticed that several items I requested to be removed are still present on my credit report. I have discovered that under Section 605B of the Fair Credit Reporting Act ( FCRA ), you are legally required to remove items found to be inaccurate or erroneous. The disputed items are unfamiliar to me. I am attaching the necessary FTC Report for your reference. Please remove these items : XXXX. XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX XXXX Balance : {$540.00} XXXX. XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX XXXX Balance : {$3400.00} XXXX. XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$4500.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. Please remove the disputed items, as they were opened without my consent or knowledge, in accordance with Section 605B of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Complaint against Portfolio Recovery Associates , LLC for Violating 18 USC 894 Dear XXXX, I am writing to file a complaint against Portfolio Recovery Associates , LLC for violating 18 USC 894, which prohibits making extortionate extensions of credit. I believe that Portfolio Recovery Associates , LLC has engaged in predatory debt collection practices that have negatively impacted my financial well being and credit standing. 

Portfolio Recovery Associates , LLC has continuously engaged in aggressive and unfair debt collection tactics, including harassment. 

These actions not only violate 18 USC 894 but also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and have caused me significant distress and financial hardship. Portfolio Recovery Associates , LLC 's conduct has made it challenging for me to manage my finances effectively and has had a detrimental impact on my credit score. 

I request that XXXX investigate this matter and take appropriate action against Portfolio Recovery Associates , LLC for their predatory debt collection practices. I urge XXXX to intervene on my behalf and ensure that Portfolio Recovery Associates , LLC complies with federal laws and regulations governing fair debt collection practices. 

Thank you for your attention to this issue. I appreciate your assistance in resolving this matter and protecting consumers from abusive debt collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation