vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to provide an overview of the credit reporting disputes I have encountered and the actions taken, which involve the following companies : XXXX XXXX Experian XXXX XXXX XXXX Please note that I have included delivery information for each dispute to demonstrate my efforts to resolve these issues. 

XXXX Disputes : On XX/XX/2023, I mailed my initial dispute to XXXX, and it was successfully delivered on XX/XX/2023. 
On XX/XX/2023, I sent a follow-up dispute ( Round 2 ) to XXXX, which was received on XX/XX/2023. 
XXXX Disputes : On XX/XX/2023, I sent my first dispute to XXXX, and it was delivered on XX/XX/2023. 
On XX/XX/2023, I submitted a second dispute to XXXX, which was delivered on XX/XX/2023. 
Experian Disputes : On XX/XX/2023, I mailed my second dispute related to the XXXX XXXX account to Experian, and it was successfully delivered on XX/XX/2023. 
On XX/XX/2023, I sent another dispute ( Round 2 ) to Experian, which was received on XX/XX/2023. 
XXXX XXXX XXXX Dispute : On XX/XX/2023, I submitted a dispute regarding XXXX XXXX XXXX, and it was delivered on XX/XX/2023. 
In each of these disputes, I have consistently requested verifiable proof to substantiate the accuracy of the accounts in question. Specifically, I have sought either an original consumer contract with my wet signature or a certification from the creditors confirming the accuracy and completeness of the account information. 

Despite my persistent efforts, the responses I have received have not adequately addressed these concerns, and proper validation details have not been provided in accordance with the Fair Credit Reporting Act ( FCRA ). 

I kindly request your assistance in facilitating the resolution of these disputes, as they have adversely impacted my credit standing and financial well-being. I believe that my diligent efforts, supported by delivery confirmations, demonstrate my commitment to addressing these issues. 

I understand that you may require additional personal information to assist in forwarding my complaints to the relevant companies, and I am prepared to provide such information as needed in compliance with your guidelines. 

Thank you for your attention to this matter, and I look forward to your guidance and support in resolving these credit reporting disputes effectively. 

Sincerely, 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 2023-09-19 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: WA

Complaint narrative:
I paid off 2 of my accts with XXXX  XXXX. I was told if i do so i can get an auto loan because i wont owe them anything. I paid on 2 closed accts XXXX and was declined auto. When asked why it was because i owed them money. But i was told it wouldnt be held against me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
One of the advertised benefits of maintaining the account was that each person which was traveling on an itinerary for which the fare was paid using the AA Aviator XXXX XXXX card was to receive a free checked bag on XXXX XXXX. 

Expecting XXXX XXXX and your bank to be true to that representation, I purchased air fare from XXXX XXXX for a trip from DAY>LHR and returning CDG>DAY. Record Locator : XXXX. 

Upon arriving at the XXXX XXXX to depart on the trip I was advised that the terms of the credit card had been changed, for tickets purchased after XX/XX/2023 to provide that one free eligible checked bag was only available on domestic U. S. flights. Apparently, the definition of eligible bag was changed without notice. Consequently, XXXX XXXX and I were each charged {$75.00} each for our checked bags and XXXX each at XXXX for the return trip. The total of these surprise/shock charges of {$300.00} has been added to my AA Aviator XXXX  balance. 

The addition of a {$300.00} charge to the account balance for something which was to have been free of charge clearly constitutes a significant change in account terms. Even if it did not strictly constitute a significant change in account terms, a change of this sort is nonetheless requires some reasonable notice pursuant to 12 CFR 226.9 ( c ) ( 2 ) ( iii ) ( A ) and ( B ).

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 2023-09-19 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I mailed in and disputed online XX/XX/2023 with XXXX and XXXX to reinvestigate the following account : Account name : Capital One Account # : XXXX. However, they stated everything was complete and accurate. But how is that possible if the date of last activity, charge off, balance update, last payment date updated 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 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 explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Carmen V. Porreca, P.C.
State: GA

Complaint narrative:
Collection company is trying to garnish my pay for a debt I owed XXXX XXXX from 2016. XXXX wrote this debt off and Collection Attorney, XXXX XXXX is trying to garnish me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
They took money out my account when they was in court. I sent the information to the person in an email told me I would be paid back for the payment never received it. I have had to put stop payments in my bank for Lexington law firm but they come up with another name to take money out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened my account with Citibank. 
I made a deposit in form of a check. The funds were made available after 2 business days. I was able to use some funds. Then all of a sudden I wasnt able to use my debit card, or any transfers online. I called customer service they asked me to verify some transactions that I had made. I verified them. Then they said I should be able to use my debit card. But I still wasnt able to use. 
I called again and they said my account was locked and I would get an email with reference number and once I provide that only then they will be able to unlock my account. Its been over two weeks neither I have received any mail nor the bank has removed the lock. I have {$39000.00} in my account and I am unable to withdraw or transfer funds. I need money for my basic needs and I have no access to my money. I have gone to the branch twice and then arent able to help me. I need access to my funds.

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 2023-09-19 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
Don't have no knowledge of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
I recently submitted a dispute from my Chime Checking account and debt card. 
On Friday XX/XX/2023 starting at XXXX est until Saturday XX/XX/2023 at XXXX my debt card was used in XXXX separate micro transactions of {$2.00}, {$5.00}, and {$10.00} for unauthorized/fraudulent purchases in the amount of {$920.00}. 

I have never made a purchase from XXXX. The last purchase made from my account was from the XXXX XXXX XXXX for a total of XXXX. 

I then attached screen shots from both my XXXXXXXX XXXX XXXX showing the last purchase I made and a screenshot from my XXXX account that show no purchases from MY account. You can also look through my transaction record and see that I have NEVER made a purchase from XXXX XXXX. 

Furthermore when I purchase things from the XXXXXXXX XXXX XXXX I always have to pay sales tax and none of these charges have any tax charged? 

I immediately called in when I awoke the morning of Saturday XX/XX/2023 to stop the charges. I was told by Chime Support that the could do nothing until the charges cleared. I was told to call back in when they cleared and start the dispute process. I started this process on Monday XX/XX/XXXX and have been denied twice already and they have not provided me with any information as to why I was denied. 

I then called into support and filed a rebuttal and resubmitted documentation with a statement explaining the situation with my own findings only the be denied again in less than 24 hours. 

Chimes response from an email I received : Support Tuesday, XX/XX/XXXX, XXXX XXXX  As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review.Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

I am sure no error occurred, the fraudsters were able to take my money just fine. It was unauthorized purchases I was disputing not a system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was unable to finish paying this credit card due to financial hardships and an ending of a relationship that left me in a lot of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX  sent me a phone that was incomplete. I called and XXXX agreed to cancel my XXXX account and I return phone. They cancelled my charges and I sent phone back. I continued with their cable TV and internet service. Phone returned IMMEDIATELY in XXXX, but they never credited my CC. In XXXX, I disputed CC charges, sent my bank proof phone was returned and charges reversed. In XX/XX/2023, I move to Arkansas. No bills were ever sent to me and I thought all was finished. After moving XXXX  sent me notice that I owed {$93.00} for the phone and one month of XXXX at {$25.00} and startup. I explained through EMAIL and PHONE that I returned phone and had cancelled that account. After 4 months and me moving, they claimed I never returned phone and that I also owed the {$25.00} for first month. XXXX turned my account to TSI for collections in XXXX. I tried to submit a dispute, but their site wouldn't allow me to. I finally got proof from my bank and XXXX shipping proof. I sent proof to XXXX and TSI. TSI has now blocked me as I have sent them proof of return. BOTTON LINE, the negative on my credit hasn't been removed. I am in the process of emailing XXXX and TSI every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: DC

Complaint narrative:
On XX/XX/XXXX I submitted a dispute and requested a reinvestigation of " every piece of information '' listed on the accounts below. 

I spoke with an agent named XXXX from TransUnion on XXXX who stated that the information came back verified based on verification of the social and DOB, this is not the correct procedure to verify a debt according to FCRA which is a clear violation of my rights. Also my credit file is still showing inaccuracies ( File attached ) regarding addresses, phone numbers, and name variations which is a violation of my rights as TransUnion is obligated by FCRA to report accurate accounting. 

I am requesting that the accounts listed below are also verified by showing written proof that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are " in house '' collectors for the original creditors and a contract showing my " wet signature '' with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am also requesting the exact method and procedure used during the reinvestigation and the specific information obtained in the reinvestigation to include business names and addresses, person 's spoken to, furnisher 's of all information that influenced the decision not to delete the inaccurate information. 

15 USC 1681b iii a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Investigate definition ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is continuously reporting a charged ofXXXX XXXX XXXX account under my consumer report that does not belong to me. I have filed an identity report with the FTC and I've disputed with the consumer reporting agency several times and their noncompliance to remove false information is to my detriment and loss of financial gain/opportunities. I will attach FTC report, and a screen shot of the latest update of this account on my report.

This company ( EQUIFAX ) is in violation of this Federal Consumer Protection Law : 15 USC 1681 ( a ) ( 2 ), because I never gave written permission to report this account nor open it and to be furnished on my consumer report. This account isn't mine and must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: NV

Complaint narrative:
So I got a copy of of my payment history from XXXX XXXX XXXXXXXX and its showing some type of like corporate advances and stuff like that for XX/XX/XXXX. However the loan was transferred XX/XX/XXXX so it doesnt make sense why theres still activity in XXXX XXXX XXXX and with Celine finance Ive tried to do a modification Im not getting any correspondence from them also Ive asked him for payment history they dont have anything like that. The one was just transferred in XXXX. They have not been able to do a modification or help me include a home is in a foreclosure status, which is very weird, Im trying to get some assistance and I can not and I need some help. It seems like some type of fraudulent activity is going on. I would greatly appreciate if you guys could look into the situation from XXXX XXXX XXXXXXXX to Celine finance and help me out I would greatly appreciate it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: AmeriCash Holding LLC
State: WI

Complaint narrative:
In XX/XX/XXXX a loan was taken out in my name for {$1000.00}. Two pay stubs were given to the company with my name on them. I did not work for the company that was on the paystubs. The money was deposited into an account at a bank that I have never use, nor was my name on the bank account. In XX/XX/XXXX I got a final notice of default on the loan. I contacted the loan company about the loan. They informed me of what they had for the loan and that was my name, phone number, address, Social Security number, and place of employment. I informed them at the current moment that their email address, phone number, and place of employment were wrong. I gave them the right phone number and email address so they can send over all the information about the loan, loan request information, and the documents to acquire the loan. At the end of XXXX beginning of XXXX, I sent a fraud affidavit to the clients attorney that was still suing me for this loan. I am still being sued for a loan that I never applied for never received never gotten a copy of the actual loan application, used in my name to apply for this loan. 

The loan company never verified any information before sending funds for the loan I never applied for or received. Because of the loan companies negligence, this is costing me time, money, and health issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The Equifax agent deleted my two accounts in dispute that were resolved. These 2 accounts were paid in full and I requested for the dispute remarks to be removed for the sake of my mortgage loan process, but instead, the agent deleted my two accounts which caused my score to decrease and is now affecting my mortgage loan process!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
on the day of XX/XX/XXXX  i was having a verbal altercation with my ex girlfriend and I ended up being detained. I was XXXX  for 7days in total. 
when I was released I had no access to my phone or banking because my phone was not in my possession when I got arrested. I came home and was able to log into my online banking and became aware of so many unauthorized transactions from the date of XX/XX/XXXX  from to XX/XX/XXXX  I immediately came into my bank branch located in XXXX, ca where I made my dispute claim to the branch manager XXXX XXXX fax # XXXX she assisted me the best of her abilities. the date of XX/XX/XXXX  I received a call from XXXX XXXX from the department of bank fraud # XXXX she informed that I had to make it a civil matter because she didn't think it was fraud she asked me to reach out yo my ex girlfriend who I assumed who may have made the transactions on my account witch I did and found out that she had no involvement in my money being taking from me. I spoke to her and we came to the conclusion that she went involved and now I'm back to square one of trying to reimbursed my funds into my checking account please help me with this I would highly appreciate it.

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