vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX at approximately XXXX est, I received a phone call from Navy Federal Credit Union claiming to be a representative. The man verified my date of birth home address and phone number and proceeded to tell me my debit card had been accessed by a man in XXXX, Georgia using a XXXX  XXXX. He told me that my account was compromised and we needed to do some security measures so we went through, verifying some information and he sent a text message for me to identify my login device and my location. Then went on to tell me that a XXXX XXXX loan had been taken out in my name and that we needed to repay it. He was going to help me with acquiring the funds and moving it so that the cash app loan was not reported to the credit bureau and if it was, Navy Federal would take care of it. There {$5000.00} Showed up in my checking account in which we proceeded to transfer To XXXX XXXX. This transaction took approximately two hours in which he used my My military rank and thanked me for my service and told me the documents would be in my email shortly. During this time, I did not know that the text messages being sent were automated from Navy Federal. They would be sent regardless, and the emails I received Were loan documents. This gentleman had access to my bank account and was applying for a loan while I was on the phone with him and we then transferred all under the disguise of a navy federal fraud representative. He was very kind. He spoke XXXX well and he used all the tactics that Navy Federal would use to verify identity and to speak to its military members. Filing a claim with Navy Federal, they had denied my claim, stating they believe Ive benefited from this, however, did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
Fortiva has my wife 's account with XXXX XXXX  reporting on my credit file!! Ive called and disputed this even with the credit bureaus with no success. The account statements and documents clearly have her name on them and not mine but they are still reporting inaccurate info on my file which is a violation of the FCRA!!! I want this corrected immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc

Complaint narrative:
I bought a ticket from XXXX to XXXX with XXXX on XX/XX/XXXX this year, and before boarding the plane, I wanted to ask the staff if I could buy the normal price of baggage allowance online or on the spot in addition to the difference in baggage allowance. The staff never replied to me, resulting in me having to leave the gate to ask other staff, which ended up causing me to miss my flight. Afterwards XXXX refused to pay for the damages and I lodged a complaint with pay pal who did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-18 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to express my deep frustration and disappointment with an incident that occurred today at Bank of America 's ATMs on XXXX XXXX in XXXX XXXX CA. When I attempted to withdraw cash, the ATM retained my XXXX card. Upon entering the bank for assistance, I was informed that there was no way to retrieve the card and that I would need to order a replacement. 

What makes this situation even more distressing is that the staff mentioned this had been happening all morning, affecting several other customers. Despite knowing about the issue, no sign or warning was posted on the ATM to alert us of the problem. 

As a result, I am now without my XXXX card, leaving me unable to access essential funds for food and transportation to work. The replacement card will take a week to arrive, which puts me in an incredibly difficult position. 

Given the significant inconvenience and hardship this has caused, I am requesting financial compensation to help cover my immediate needs during this period. I hope you can understand the impact this has had on my daily life and consider taking steps to prevent this from happening to others in the future. 

Your immediate attention to this matter and any assistance you can provide would be greatly appreciated.

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 2024-06-18 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: AZ

Complaint narrative:
Experian credit bureau is showing that I have delinquent accounts on my credit report. 
This is not accurate. 
I have asked them to provide me with the merchants information. I have excellent payment history with XXXX and XXXX credit bureau and they don't show anything delinquent accounts on my report. I have made another dispute against them with CFPB, they still haven't addressed it. This is causing me severe issues due to the inaccurate information on my Experian credit bureau report. 
There's no way to reach them by phone, I have sent Experian credit bureau letter asking for the information on the delinquent accounts and haven't heard back. Please assist me with this matter.

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 2024-06-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: MS

Complaint narrative:
On XX/XX/year> I decided to make an online purchase from an ad on XXXX XXXX with my {$50.00} prepaid VISA gift card. I put the card information in the ad 's website and clicked complete purchase and was suddenly redirected to another website and instructed to enter the card information again to complete the payment. I do so. I then go to check on prepaidgiftbalance.com to check my card balance and see that there were two unauthorized purchases. One was for {$39.00} from New Jersey and the other was for {$4.00} from Texas. Those transactions were not for the intended product that was advertised. Those dollar amounts don't even equal the intended product 's purchase amount. To this day I have still not received any product. 

On XX/XX/year> I call the number XXXX and speak with a representative about the problem. They shut down the card and cancel the unauthorized transactions. They then instruct me to call back the next day. I call the next day and get connected to a representative. They ask a few questions and I answer. The representative then tells me to fax a copy of my government issued ID and Social Security Number and SSN card to an unknown number ( not the one I called them on ). The phone call then ended. I decided not to take this step as it seemed sketchy to give my ID and SSN out to some random number. The company stated themselves that I should be reimbursed. I should be able to get reimbursement without having to give out such private 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 explanation
Consumer complaint received 2024-06-18 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: NJ

Complaint narrative:
Identity Theft! I recently found that there are several unauthorized and fraudulent inquiries on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-18 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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:
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g 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 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

Account : 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  Opened : XX/XX/XXXX Balance : {$590.00}

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 2024-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cashapp will not give me a new card and is ignoring my request for one

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: NC

Complaint narrative:
I am writing to inform you that XXXX has submitted an XXXX XXXX XXXX ( XXXX  ) form with the reference number XXXX. The form states that there is no chargeback and no balance due as of XX/XX/2020. 

Given this update, I kindly request that this information be reflected in my credit report and that any erroneous entries associated with this matter be removed promptly.

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 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I applied Amex Platinum credit card on XXXX XXXX EST through XXXX XXXX link that directed to American Express XXXX XXXX ( See attached screenshot ) The website contains information about XXXX membership reward as welcome bonus offer. I see the offer and click the application link, and then filled out my personal information under the application link. My application got approved straightly and I did not receive any warning or notification message in terms of my welcome offer eligibility. I received the approval email and digital card number a few minutes later. 
I also received confirmation message suggesting that my XXXX bonus points welcome offer is eligible through live chat with American Express customer service representative whose name is XXXX on XXXX XXXX EST. ( See attached screenshot ) But later when I talk to the customer representative through phone call, and I was told the welcome offer was declined and I am not eligible for the bonus points. By the time I have already spend {$3900.00} using the platinum credit card, which is nearly halfway to the required purchases listed on the welcome offer conditions. 
American Express is abusing misleading online Advertising information to trick their customers to open their credit card and withdraw the promised offer later without notifying customer or getting customer consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
There's a record my report from a company I do not recognize, nor have done any business with. The name is Spring Oaks. I have never obtained any money from them. I contacted XXXX several times but did not get any action taken. This is not my loan. 
Please, remove from my record immediately. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
Im writing to formally request that Experian block certain information on my credit report due to identity theft and fraud, in line with FCRA XXXX ( XXXX U.S.C. XXXX ). 

Here are the fraudulent accounts I need removed : XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$8600.00}. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$340.00}, seemingly related to a utility account at XXXX XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX, with a balance of {$1000.00}, seemingly related to credit card at Capital XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$730.00}, seemingly related to credit card at Capital XXXX. 
XXXX. A collections account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX, with a balance of {$860.00}, origin unknown. 

These accounts have resulted in multiple fraudulent hard inquiries and collections showing up on my consumer XXXX credit report. I've attached a list of the account ( XXXX ) and collections in question, as well as a copy of my consumer credit report from Experian showing these fraudulent items. 

I do not recognize any of these accounts or collections. They were not opened, made, or initiated by me and are clearly the result of identity theft and fraud. Ive also included a copy of the XXXX Identity Theft Criminal Complaint # [ report # ] as proof from the XXXX Federal Trade Commission confirming that these accounts and collections are the result of identity theft and 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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2 "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: NJ

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from 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