vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Personal information incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
U.S. Bank persistently misrepresents my information to all three credit bureaus. Despite notifying them that the reported account does not belong to me, they closed the account but inaccurately labeled it as " closed '' on my credit file rather than removing it. Furthermore, U.S. Bank reports an address they know is not mine and potentially was used to open the fraudulent account. uS Bank has also refused to provide me with a copy of the signed credit application.

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
During XXXX, AMEX illegally reduced my credit line over XXXX and I never missed one payment from them. Credit Protections Under the XXXX  CARES Act Under the CARES Act, if your account is up to date and you make a debt-relief deal with a creditor, that creditor must continue to report the debt as current. Take in mind, I NEVER used any CARES ACT for AMEX express, please see credit report history. Yet, it seems they used inaccurate data to illegally find a reason to say Im a POTENTIAL RISK. Ive came to them with good faith requesting my credit line increase and was gaslighted with unexplained jargon that deflects the wrongdoing that took place with this transaction. AMEX please send over your legal departments email contact, mailing address and the name of the department as I plan to move forward exercising my right to my OWN credit and you guys are refusing to increase my credit line. I want the maximum amount allowed for my credit line with retaliation. The Equal Credit Opportunity Act ( the ECOA, 15 U.S.C. 1691-1691f, as amended ) prohibits discrimination in credit transactions on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public benefits ( such as Social Security XXXX XXXX or because a person exercises his or her rights under a consumer protection statute. ECOA applies to both the original extension of credit and to actions taken after the credit is extended, such as the termination of an account. If a creditor violates ECOA, a consumer may be entitled to actual damages and punitive damages up to {$10000.00}. In addition, ECOA contains a fee-shifting provision which may require the defendant to pay the plaintiffs attorney fees and court costs. And I can prove that your establishment used discrimination due to RECEIPT OF PUBLIC BENEFITS! I Came to you guys with good faith and I have EXCELLENT credit history with your company. Im not letting up until Justice is served. How is it legal to reduce a consumer credit line over XXXX DURING THE PANDEMIC when it was needed the most! Yet the consumer never not once missed a payment. Reducing my credit line immediately made my credit utilization skyrocket negatively and drastically reduced my credit report. And for some reason credit karma is only showing my credit history from XXXX correctly but I opened this account in 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove inaccurate, unverifiable, unauthorized information on my credit report XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX Opened:XXXX Balance : {$180.00} XXXX. ) XXXX XXXX Opened:XXXX Balance : {$840.00} XXXX. ) XXXX XXXX XXXX OpenedXXXX Balance : {$1200.00} XXXX. ) XXXX  XXXX XXXX Opened:XXXX Balance : {$1100.00} XXXX. ) XXXX XXXX XXXX Opened:XXXX Balance : {$450.00} XXXX ) XXXX XXXX OpenedXXXX Balance : {$8600.00}

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 2024-01-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
I was recently the victim of fraudulent charges on my card and have tried to contact the Way2Go customer service multiple times but it is impossible to get a live person. After entering my social security number it just keeps telling me that my new replacement card was issued and will be mailed shortly and then hangs up. I have been trying to dispute the charges but I can not get a person on the phone to speak to them.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Urgent : Disputed Inquiries on Credit Report - Request for Validation Dear TransUnion and Consumer Financial Protection Bureau ( CFPB ), I am writing to express my dissatisfaction with the handling of my recent credit file dispute by TransUnion and to bring to your attention unauthorized inquiries on my credit report. 

I have recently submitted a dispute regarding inquiries on my credit file with TransUnion. The inquiries in question, listed below, were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Type : XXXX - XXXX Info : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiry Type : XXXX - XXXX Info : XXXX XXXX XXXX XXXX XXXX XXXX - Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Type : XXXX XXXX XXXX Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Inquiry Type : XXXX - XXXX Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Inquiry Type : XXXX - XXXX Info : XXXX XXXX XXXX XXXX XXXX XXXX - Contact : XXXX XXXX XXXX XXXX I want to emphasize that I did not authorize these credit companies to pull my credit, and these inquiries are inaccurate and damaging to my credit profile. As per the Fair Credit Reporting Act ( FCRA ), I kindly request that TransUnion promptly validates these inquiries and takes the necessary steps to remove them from my credit file. 

The FCRA, under Section 611 ( a ) ( 2 ), states that inaccurate and unverified information must be corrected or deleted from a consumer 's file. Given this, I expect TransUnion to adhere to the law and ensure the accuracy of my credit report. 

I kindly request the CFPB 's intervention in this matter to ensure fair and accurate reporting. Your assistance in resolving this dispute and validating the unauthorized inquiries is highly appreciated. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Place of birth : XXXX  SSN : 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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have been trying for days to spend my two American Express gift cards online and they seem to get declined everywhere I try to shop. The cards are worth exactly {$99.00} each. This has been causing me a lot of trouble. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are the three methods of payment that I have been trying to submit. All transactions well under the {$99.00} amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
They are not refunding my account and they are taking money from my available amount. They charging me to much. I ask they to check with there accountant because its not adding up. I have statements from when they issued the card and my purchases. I hadnt make big purchases but they subtracting from my balance. I dont see

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Looking at my credit report i did not give verbal or non-verbal authorization for XXXX  to request a hard inquiry credit report at no time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: NV

Complaint narrative:
PRINCE PARKER AND ASS IS TRYING TO COLLECT MONEY FOR A DEBT THAT IS NOT MINE THAT WAS OPEN VIA FRAUD FROM XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: TX

Complaint narrative:
Please remove inaccurate, unverifiable, unauthorized information on my credit report XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX Opened:XXXX Balance : {$180.00} XXXX. ) XXXX XXXX OpenedXXXX Balance : {$840.00} XXXX. ) XXXX XXXX XXXX OpenedXXXX Balance : {$1200.00} XXXX. ) XXXX  XXXX XXXX Opened:XXXX Balance  : {$1100.00} XXXX. ) XXXX XXXX XXXX OpenedXXXX Balance : {$450.00} XXXX ) XXXX XXXX Opened:XXXX  Balance : {$8600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
Very high interest. 
Title loan Around XXXX 
First started at XXXX XXXX XXXX XXXX then they closed and account went to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit collection service tried to collect debt impersonating XXXX. It is illegal for a credit collection company to buy debt and that voids my original contract with XXXX. So Id like to get it removed asap from my credit report

Company public response: Company disputes the facts presented in the complaint
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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX persistently misrepresents my information to all three credit bureaus. Despite notifying them that the reported account does not belong to me, they closed the account but inaccurately labeled it as " closed '' on my credit file rather than removing it. Furthermore, XXXX XXXX reports an address they know is not mine and potentially was used to open the fraudulent account. XXXX XXXX has also refused to provide me with a copy of the signed credit application.

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 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It XXXX Concern, On XX/XX/year>, an order was placed with XXXX company ( XXXX ) for the amount of XXXX XXXX 

On XX/XX/year>, I initiated an email communication with XXXX to cancel the order. Despite this attempt, the order was not canceled, and a link to initiate a return was provided. 

A prepaid shipping label was received on XX/XX/year>, and the package was promptly shipped via XXXX. XXXX confirmed the shipment on XX/XX/year> via email, and assured a refund within XXXX XXXX XXXX, setting an expected deadline of approximately XX/XX/year>. 

However, as of the current date, no refund has been issued by the XXXX company. In an attempt to address this issue, a billing dispute was raised with Capital One, the financial institution used for the purchase. Unfortunately, Capital One did not act in good faith to resolve the dispute on behalf of the customer. 

Customer followed all return policies as described by XXXX XXXX, provided documentation to CapitalOne showing the merchandise was returned to the XXXX company, however, they closed the billing dispute and allowed the charge to remain on the credit account.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT WORLD SERVICES, INC.
State: NV

Complaint narrative:
THIS COMPANY IS TRYING TO COLLECT MONEY FROM ME ON A FRAUD ACCOUNT THAT IS NOT MINE THAT WAS OPEN UNDER FRAUD WITH MY INFORMATION.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : 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 an 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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Meta Payments Inc.
State: PA

Complaint narrative:
The US court ultimately ordered the business to settle the complaint, paying a fine of {$25.00} XXXX and allocating {$720.00} XXXX in settlement funds to the customers. The sum must be released to the users within the 90day period set by the court.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I contacted XXXX XXXX last week to notify them that I was disputing the {$150.00} charge that posted on XX/XX/2024. The charge shows XXXX XXXX XXXX XXXX This is being disputed because this alleged apartment community is a scam. There is no apartments available and they are a full ponzi scheme in XXXX, XXXX. I spoke to a rep on the phone and she stated it would be forwarded to the dispute team but yet there is nothing updated online. 

I will not pay this charge. XXXX is committing fraud on a massive scale and they have been reported for it.

Company response to consumer: Closed with explanation