vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
In XXXX of XXXX I was double charged by an airline provider. The airline applied the same charges to XXXX different credit cards. I notified Avant in XXXX of XXXX of what happened and disputed the transaction. They asked for any proof that the airline charged both cards, which I provided. After I emailed the proof, I didnt hear from Avant again until they denied my dispute. Shortly after, I called their customer service and was disrespectfully told that there was nothing they could do. Since then, my account has been collecting interest and late fees that total more than the limit of the credit card. I have a {$780.00} balance on a card that only has a {$300.00} limit. I have tried to close my account several times and was given an ultimatum that they would only close the account if I agreed in writing to all of the ridiculous charges and fees added to the account. The account is currently still open and collecting interest against my wishes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: MI

Complaint narrative:
I already have a report filed on here. That really lowered my credit score and me super behind. I am just trying to find any grant, program, or funding I can. I was a passenger in a XXXX XXXX XXXX XXXX  in 2019 and Ive been medically unable to work. I had a XXXX XXXX XXXX and all sorts of other medical conditions. I have not been able to catch up and Im drowning. I just had the XXXX hearing and the lawyer said it went good. But I have a XXXX XXXX XXXX and I dont know what to do. I also has identify theft recently and I just havent been able to catch back up. I have multiple cards that Ive just been trying to survive on. Its been over 4 years and Im just done with the hearing. I will add the others here. I had fraud with the SAME XXXX account ( XXXX XXXX ) not total identity or my credit but I called and reported it. Someone called me saying it was them and I didnt even say one word and they had my account balance, interest rate, when my payments were and zip code. They are sending a new card. The other one I have is XXXX or XXXX XXXX XXXX. Then a XXXXXXXX XXXX also XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: WA

Complaint narrative:
XXXX was reporting late payments on an account that was in forbearance when I requested a dispute ; my balance now shows over a 50 % increase.

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 2024-01-28 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:
XXXX was reporting late payments on an account that was in forbearance when I requested a dispute ; my balance now shows over a 50 % increase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: WA

Complaint narrative:
XXXX was reporting late payments on an account that was in forbearance when I requested a dispute ; my balance now shows over a XXXX XXXX  increase.

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 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2023 or the day before or after. I woke up to find my account had been hacked and used to make two purchases. One to XXXX online for {$25.00}, and the other to XXXX for {$89.00}. This was done between the hours of XXXX and XXXX while I was asleep. The next day when I noticed the transactions i called Chime ( my bank ) and requested payment be stopped and the my account had been hacked. I was instructed to let the transaction for both go through and file a dispute once both transactions had done so. I did. Around two days later the XXXX transaction was approved and my account had been credited the {$25.00}. The other dispute for XXXX took about longer so I called and asked what was going on. They told me the investigation team was looking at it and they had till XX/XX/XXXX to make a decision. They gave me the money to borrow until the decision was made. On XX/XX/XXXX they pull my money out and told me no errors had be made. This is a lie because I have never purchased anything from XXXX in my life nor do I have an account. I called Chime back multiple times and rebutted their decision over 5 times. I asked for the documents of there investigation and all they sent me was a questionnaire I answered over the phone. I called XXXX myself and acquired a service number for them to use. They could not send me anything in writing because I do not have an account with them. I did find out that the persons account used was frozen due to fraudulent transaction and my name is nowhere on it. Chime has failed to call them and has felled to give me my money back. I did everything they asked of me from day one and all they have done is call me a liar. How can you approve one transaction and deny the other for no error. Especially when I caught this the following morning and contacted them about it to stop it. Please help me this has hurt my family and I financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Hello! I applied for XXXX benefits to be added to my credit card last year & I havent received any feedback from Amex. I have called them twice with no luck. I am currently XXXX XXXX XXXX and am stationed in Louisiana, which is a KP ( Key Provision ) state. All debt incurred BEFORE AND DURING service qualifies for XXXX  % XXXX & refund of ALL interest paid beyond the XXXX  %. However, Amex offers XXXX % APR and full refund as a courtesy to service members.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-28 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: SC

Complaint narrative:
After being on workers comp for four years, I paid off all of my existing debt except my mortgage in XX/XX/2023. XXXX and XXXX show this correctly in their credit reports. Experian claims that I still owe {$2200.00} on a XXXX issued by XXXX XXXX I called XXXX XXXX several times and they tell me that they show no outstanding debt balances for me. I filed another dispute with Experian. They refuse to even give me the account number of the closed account they claim I own money on. Furthermore Experian is constantly contacting me telling me to get in touch with XXXX and XXXX to tell them to correct their credit reports. XXXX says I have no outstanding accounts with their company. How can I fix this if Experian refuses to give me the account number that they say I have outstanding debt on? I am an accountant. I have never been in debt or missed a payment in my entire life until I was injured. I can not pay off a debt that the company that issued the card says I do not have!

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
Early Warning Services ( EWS ) is refusing my opt out request. As a federally protected consumer, I am allowed by law to opt out of their services. I have asked them to provide me with the agreement signed by my bank that allows them to furnish my non-public private information and the laws that supports their claim that I am not allowed to opt out. 
See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 936 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

PLEASE UPDATE ACCOUNT TO PAANL IMMEDIATELY THANK YOU AND ADVANCE

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 2024-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
PLEASE UPDATE ACCOUNT TO PAANL IMMEDIATELY THANK YOU AND ADVANCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: CA

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is in direct violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Law. After a meticulous review of my credit report, I have identified accounts, specifically related to XXXX, that are reported in a manner inconsistent with legal standards, infringing upon the provisions outlined in 15 U.S. Code 1681a and 15 U.S. Code 6802. 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes information pertaining solely to transactions or experiences between the consumer and the person making the report. In my case, XXXX - XXXX. These entries appear to represent information outside the legal scope for inclusion in a consumer report. 

Furthermore, as per 15 U.S. Code 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without explicit consent from the consumer. It seems that XXXX - XXXX was shared without my authorization, thus violating my privacy rights under this statute. 

Despite reaching out to XXXX for resolution, they have refused to comply with the penal codes stated by Congress under consumer law. Therefore, I am requesting the immediate removal of the stated account from my credit report. Under the FCRA, you are obligated to address and correct such penal code violations within 30 days of receipt of this letter and to remove any information that is inaccurate, incomplete, or unverifiable. 

I expect prompt action to correct these inaccuracies in my consumer report with the Consumer Reporting Agencies. Additionally, I request written confirmation from the consumer reporting agencies to verify compliance with this request and a revised copy of my credit report after the deletion of the disputed information. 

I appreciate your immediate attention to this matter and look forward to your prompt response. Please feel free to contact me by mail for any further information or clarification needed. 

Thank you for your assistance in this important matter. 

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 non-monetary relief
Consumer complaint received 2024-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After reviewing my credit report I must inform you that I am NOT responsible nor did I consent for the inquiries listed below as I have been a victim of identity theft. PLEASE BLOCK ALL THE INQUIRIES LISTED ON THIS POLICE REPORT BECAUSE THEY ARE NOT MINE. I'VE BEEN A VICTIM OF REAL NAME ID FRAUD AND IDENTITY THEFT. THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED.

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 2024-01-28 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: KY

Complaint narrative:
I need for Experian to delete the following accounts for inaccuracy because the date last active is inaccurate : XXXX Acct # XXXX, Experian has XX/XX/XXXX, XXXX has nothing account is not on credit report, and XXXX has XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX- Acct # XXXX, Experian has XX/XX/XXXX, XXXX does not have this account on my credit report, XXXX has XXXX XXXX XXXX, XXXX. XXXX XXXX- Acct XXXX XXXX, Experian has XX/XX/XXXX, XXXX has XXXX XXXX, and XXXX has XXXX XXXX XXXX, XXXX. XXXX- Acct XXXX XXXX, Experian has XX/XX/XXXX XXXX XXXX account is not on credit report, and XXXX has XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX- Acct # XXXX, Experian has XX/XX/XXXX, XXXX does not have this account on my credit report, XXXX has XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX Acct # XXXX, Experian has XXXX. XXXX, XXXX, XXXX does not have this account on my credit report, XXXX has No Info. XXXX- Acct # XXXX, Experian has XX/XX/XXXX, XXXX does not have this account is not on credit report, XXXX has XXXX XXXX XXXX, XXXX. XXXX XXXX- Acct # XXXX, Experian has XX/XX/XXXX, XXXX does not have this account on my credit report, XXXX- Acct XXXX XXXX. XXXX, XXXX. Please mail me a corrected 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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  bombards you with interruptions to do their free trial.. once u sign u and dont pay thej XXXX dollars a month for stuff that should be free. you try to sign into ur account, .., it takes you to a payment page. there isnt even an optiohn to cancel its pay or no account access furthermore there are items on my report that i have been challanging and they refuse to take a look at.. i was a Victim of disasters.. hurricane in florida.. i was also a victim of XXXX  data breach.XXXX XXXX XXXX.. and several others and i am challanging authenticity of all accounts during that time as i do not regularly use credit as my file will show you. i need all negative outsanding items removed as per applicable laws.

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 2024-01-28 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: CA

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is in direct violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Law. After a meticulous review of my credit report, I have identified accounts, specifically related to XXXX, that are reported in a manner inconsistent with legal standards, infringing upon the provisions outlined in 15 U.S. Code 1681a and 15 U.S. Code 6802.

According to 15 U.S. Code 1681a, the definition of a consumer report excludes information pertaining solely to transactions or experiences between the consumer and the person making the report. In my case, XXXX - XXXX. These entries appear to represent information outside the legal scope for inclusion in a consumer report. 

Furthermore, as per 15 U.S. Code 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without explicit consent from the consumer. It seems that XXXX - XXXX was shared without my authorization, thus violating my privacy rights under this statute. 

Despite reaching out to XXXX for resolution, they have refused to comply with the penal codes stated by Congress under consumer law. Therefore, I am requesting the immediate removal of the stated account from my credit report. Under the FCRA, you are obligated to address and correct such penal code violations within 30 days of receipt of this letter and to remove any information that is inaccurate, incomplete, or unverifiable. 

I expect prompt action to correct these inaccuracies in my consumer report with the Consumer Reporting Agencies. Additionally, I request written confirmation from the consumer reporting agencies to verify compliance with this request and a revised copy of my credit report after the deletion of the disputed information. 

I appreciate your immediate attention to this matter and look forward to your prompt response. Please feel free to contact me by mail for any further information or clarification needed. 

Thank you for your assistance in this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: CA

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is in direct violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Law. After a meticulous review of my credit report, I have identified accounts, specifically related to XXXX, that are reported in a manner inconsistent with legal standards, infringing upon the provisions outlined in 15 U.S. Code 1681a and 15 U.S. Code 6802.

According to 15 U.S. Code 1681a, the definition of a consumer report excludes information pertaining solely to transactions or experiences between the consumer and the person making the report. In my case, XXXX - XXXX. These entries appear to represent information outside the legal scope for inclusion in a consumer report. 

Furthermore, as per 15 U.S. Code 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without explicit consent from the consumer. It seems that XXXX - XXXX was shared without my authorization, thus violating my privacy rights under this statute. 

Despite reaching out to XXXX for resolution, they have refused to comply with the penal codes stated by Congress under consumer law. Therefore, I am requesting the immediate removal of the stated account from my credit report. Under the FCRA, you are obligated to address and correct such penal code violations within 30 days of receipt of this letter and to remove any information that is inaccurate, incomplete, or unverifiable. 

I expect prompt action to correct these inaccuracies in my consumer report with the Consumer Reporting Agencies. Additionally, I request written confirmation from the consumer reporting agencies to verify compliance with this request and a revised copy of my credit report after the deletion of the disputed information. 

I appreciate your immediate attention to this matter and look forward to your prompt response. Please feel free to contact me by mail for any further information or clarification needed. 

Thank you for your assistance in this important matter. 

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
experian bombards you with interruptions to do their free trial.. once u sign u and dont pay thej XXXX dollars a month for stuff that should be free. you try to sign into ur account, .., it takes you to a payment page. there isnt even an optiohn to cancel its pay or no account access furthermore there are items on my report that i have been challanging and they refuse to take a look at.. i was a Victim of disasters.. hurricane in florida.. i was also a victim of experian data breach.. XXXX XXXX and several others and i am challanging authenticity of all accounts during that time as i do not regularly use credit as my file will show you. i need all negative outsanding items removed as per applicable laws.

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