vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Identity theft fraud Refunds XXXX account/ XXXX and others 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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2024-01-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. 
There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix

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 2024-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: WA

Complaint narrative:
After 1 year, discover finally returned my {$1000.00} money. They deposited the money into my checking account. However I lost access to my checking account on the day the money settled. I was not able to log onto my mobile app. I had contacted discover multiple times. They said they had some technical issues on their end and would call back but they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I was using the Capital One Walmart Branded Card for online purchases. I was told food items were XXXX  by XXXXXXXX XXXX and they were not. Attempts to receive refund were rebuffed. Promises made to deliver a " return label '' was promised and not kept. Telephone calls would be listened to with no warning of a supervised line. 

My limitations are documented in the files of XXXX XXXX XXXX, XXXX, Surgical Faculty at the XXXX XXXX XXXX, practicing at the XXXX XXXXXXXX and XXXXXXXX XXXX XXXX. I was XXXX by a XXXX XXXX XXXX XXXXXXXX effective XXXX. The State of Maine is under a US DOJ ADA Section is under a Consent Decree providing for special attention for developmentally delayed and XXXX persons. 

Should the CFPB need medical records to adjudicate my claim, I will provide records for protected review to establish the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: WA

Complaint narrative:
Direct Express enabled a imposter to hijack my account. They accessed and removed XXXX and XX/XX/XXXX. 
I was alerted as I couldn't get online to check my balance. Fully expected then to correct my account as I verified my id and within the XXXX ext XXXX weeks XXXX was due soon and needed. They accused me of being an accompliss. And denied Me any XXXX. I received a letter stating I would get XXXX and a extra months benefit {$4000.00}. This was XX/XX/XXXX and I was only behind XXXX 's rent. My land lord started eviction proceeding 's served me giving me until XX/XX/XXXX to respond. I was anticipating funds on the way. And another letter dated XX/XX/XXXX arrived again saying I was implicate in the fraud and said no funds would be related. Meantime the management company had put our notices I didn't receive about painting the strips on the parking lot on XX/XX/XXXX. I wast aware. And both my vehicles where empounded. I pawned all my valuable items to pay the fees to return XXXX vehicle. ( {$700.00} ) towed XXXX blocks and had the car for XXXX hour. I worked with a eviction agency all she could do was email the needed documents for me allow. To fill out the various motions to postpone the eviction. According to the courts I files the docs but was to late. As sherif hg ad locked me out. I lost 80 % of my property. I was able negotiate or beg to get a XXXX hours to gain access and gather what I could. I was homeless for a month and experienced a couple of breakdowns need to call help lines function through this ordeal. Currently have new empty apartment and paid double deposit due to credit records. Help XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/24 I attempted to make a purchase using my PayPal account. I was told that it would not go through due to non sufficient funds. I knew I had just put money in this account the night before so I had them check again and the same thing came back. I then logged into my PayPal account and saw there was a {$0.00} balance and a recent withdraw transaction to a bank I had never heard of in the amount of {$330.00}. I then called PayPal to report/inquire and they said they have opened an investigation but that can take many days. I let them know that I needed to refill my medicine or I could have serious issues. That doesnt matter to them apparently since I have not received my money and there are no updates from them. I need your help.to get my money back to me so that I can get my medicine and because the money was stolen from my account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-13 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: TX

Complaint narrative:
as of XX/XX/24 the OAG child support and office of attorney general is unlawfuly reporting to my credit report as if I made a credit transaction I have not they are reporting account numbers that include XXXX, XXXX, and XXXX on my credit report.

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 2024-01-13 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: TX

Complaint narrative:
as of XX/XX/24 the OAG child support and office of attorney general is unlawfuly reporting to my credit report as if I made a credit transaction I have not they are reporting account numbers that include XXXX, XXXX, and XXXX on my credit report.

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 2024-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
When I continue to report this Consumer Protection Bureau says its a duplicate. It is NOT. Its been a month and PayPal Credit, after staying on them, did report the correct balance but they won't show it as being closed account. 

XXXX will not allow me to go online and dispute it as well. Please use this letter attached and show the account as closed PayPal credit and XXXX and other bureaus!!!!! 


XXXX Credit usage 35 % Balance {$2200.00} Balance updated XX/XX/XXXX Credit limit {$6400.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Highest balance {$7600.00} Monthly payment {$90.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, y

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 2024-01-13 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Ive contacted Avant over 5 times, when I discovered unauthorized activity after losing the card I called immediately. Ive called over and over and Im always told that they will take care of the dispute, and Ive NEVER received any documentation of any kind. Disputes never made, account credits never made. Late fees and interest continuously added to the account, which is very much a violation of my rights. I have a right to dispute the validity of charges that I am not responsible for. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: WA

Complaint narrative:
My account was closed by PNC around XX/XX/2022. There was {$5800.00} in my account. I never received the closing check. Tried to contact PNC and filed several complaints but I still have not received the check. I asked them to send via registered check and they promised to do so but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX credit card ( Synchrony Bank ) has explained my mysterious random debt to them as a Transfer balance. 
When I ask to see any type of explanation of this charge they tell me about my purchases made previously and purchases paid off previously, of OTHER dollar amounts than the charge they are claiming I made. Their explanation makes no sense and this company continues to violate my rights listed in the Fair Credit and Billing Act. This type of behavior is unacceptable from credit card companies. 

This card/account does not include transfer balance and I do not do that type of transaction. I have audio recordings with their agents speaking about this and Im tired of the random meritless claims. 

Please fix the account, as Ive been asking for months and months.

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 2024-01-13 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: 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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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 2024-01-13 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: DISCOVER BANK
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX. DISCOVER FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NJ

Complaint narrative:
The company 's customer service is extremely hostile. They have locked me out of my account and I can not have access to my statements which are needed for filing my taxes. I need access to my account so that I can retrieve my statements.

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 2024-01-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : EXPERIAN BUSINESS CREDIT. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My banks contract terms and services clearly state they will not give information to non affiliates. Yet I ordered my report from early warning services today. When I asked where they got this information, they said my financial institution. This means my banks, XXXX XXXX XXXX XXXX XXXX XXXX, chase, XXXX XXXX XXXX XXXX, since I was XXXX XXXX XXXX, each and every month they report this information is {$1000.00} violation. This is easily going to amount {$240000.00} minimum. Now, this is Violation according to 15 usc 1681 under permissible purposes. Also violation under 5 usc 22a requesting ssn and not a government agency? And charge offs Ive had have been reported as income, this illegal because they report transaction history. Id like this updated paid as is. And be compensated for amount charged off

Company response to consumer: Closed with explanation