vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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: U.S. BANCORP
State: MA

Complaint narrative:
While in the XXXX, my credit card was compromised XXXX different times for cash advances amounting to {$790.00}. XXXX of the transactions was a Doctors office where a credit adjustment for {$230.00} was issued against my card. 
Elan Financial Services is the issuer of the card and refuse to remove the bogus charges from my account. They stated that because I still physically have the card they are not responsible. 
Please help me, I am XXXX XXXX XXXX and will not pay this because I didn't do it. 
I talked to them today and they refuse to reopen and investigate this fraudulent activity.

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 2023-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
A check from XXXX XXXX was sent on my behalf to pay off my student loans on XX/XX/2023. This check was meant for XXXX, but ended up at XXXX Ed Financial and was cashed on XX/XX/2023 by Ed Financial . I or my representative at XXXX XXXX, XXXX XXXX, have been unable to resolve this issue with Ed Financial after many attempts over the last XXXX  months. It's completely unacceptable that Ed Financial has been unable to help us in the slightest to get this payment returned.

Furthermore, I do not have an account with Ed Financial so it is completely unknown where this money has ended up and it is very suspicious that we have not received any answers. It is really disheartening that my money that was meant to pay off my student loans has been grossly mishandled by this entity who is responsible for handling financial information. I'm asking for help on this matter because I have submitted complaints to both loan servicers, XXXX the US Department of Education, the California Attorney Generals office and have not come close to resolving this. Ed Financial has not responded to any of recent contact attempts and I would greatly appreciate any assistance you can offer to help me get this money put towards paying off my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I received an American Express gift card from work for XXXX and I am unable to use the card anywhere ( online or in a retail store ) When I call the customer service number they provide which is XXXX I am told the card is active and the money is on there ( currently {$99.00} ). This same balance is reflected online as well along with showing the card as active. 

Customer service provides XXXX solutions or resolutions. All I am told is try the card somewhere else which is ridiculous considering the fact that I have now tried the card at all the places listed below +. I have called the customer service line several times over the last few days and even asked for a supervisor but they just flat out refuse to provide any sort of resolution. 

Online : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In store : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These are just the places I can think of with possibly even more places tried. 

This issue seems to be widespread and is affecting tons of people according to XXXX, social media and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 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: CA

Complaint narrative:
Received a prepaid AMEX gift card from my company with {$100.00} loaded on it. Confirmed {$100.00} is available on XX/XX/XXXX. 

Attempted to use {$100.00} of the gift card on XX/XX/XXXX on XXXX XXXX XXXX to pay towards a cruise. Charge was declined even though they take AMEX ( XXXX customer service confirmed AMEX and gift cards can be used ). Checked the balance after it was declined, and XXXX cents was depleted. I attempted a XXXX time on XXXXXXXX XXXX  site, this time for only {$90.00}, and the charge was declined again. Checked the balance again and another XXXX cents was taken out. My available balance was now {$99.00} instead of the original {$100.00}. 

On XX/XX/XXXX, I attempted to use it on XXXX, a pet supply website. XXXX also takes AMEX. My total order was {$80.00}, which was declined by AMEX. This is the third time the card was declined. 

After searching online about this, I discovered on XXXX and consumer complaint sites that A LOT of people are unable to use AMEX gift cards and getting declined at the majority of retailers. I would like this investigated because it seems AMEX is declining transactions on purpose for Financial reasons, trying to commit fraud on consumers and companies who purchase these. I will be reporting this to my company since they purchase a XXXX XXXX of these {$100.00} gift cards a year. 

As a consumer, I would like my {$100.00} from AMEX that I was supposed to be able to use from the gift card!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: CO

Complaint narrative:
On XX/XX/XXXX i called Explore Credit to stop my automatic ACH payments. At first they said they could not stop by automatic payments w/o providing 3 months of bank statements. I didnt feel comfortable sharing that information with them. I then asked to speak with a supervisor and after sharing with him that i am not legally required to share my bank statements in order to stop my ACH payments he then said that he would stop my payments. 
Today, I noticed XXXX charges on my bank account from them! One was for {$220.00} and the second charge was for {$73.00}. 
I immediately called them and asked why my ACH PAYMENT with them went through when I specifically called them on XX/XX/13 and requested a stop! They said No they were not stopping my ACH payment until i shared 2 months of bank statements i called my bank and flagged those XXXX charges. My bank also advised me not to share any bank statements with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: VA

Complaint narrative:
Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Equifax, XXXX and XXXX regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the XXXX timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ). 

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Capital One regarding the denial of my application for a 360 Checking account. My name is XXXX, and I arrived in the XXXX on XX/XX/XXXX through a XXXX XXXX. In an effort to secure a safe place for my funds, I opened a XXXX XXXX XXXX XXXX XXXX XXXX account on XX/XX/XXXX, as the nearest bank. 

Given my current jobless and social benefit-less status, it is crucial for me to rely on my available funds for daily necessities until I secure employment. Upon learning about the advantages of Capital Ones 360 Checking, I eagerly sought to enroll but lacked my Social Security Number at the time. On XX/XX/XXXX, equipped with my SSN, I contacted Capital One to open both a Savings and a Checking account, aiming to link them, especially with an upcoming job starting on XX/XX/XXXX. 

Regrettably, while the 360 Performance Savings account was successfully opened, my application for 360 Checking was denied. The reason provided was a report from XXXX XXXX XXXX XXXX XXXX, indicating a bad deposit account score ( XXXX ) and, consequently, a negative banking history. I find this perplexing as my entire banking history spans a mere XXXX  days, during which I struggled to meet basic needs without income.

I am seeking your intervention to understand how a negative banking history was determined within this short timeframe, especially considering my circumstances. Without gainful employment, my financial activities have been limited to essential living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: NJ

Complaint narrative:
I am writing to file a formal complaint concerning a flagrant violation of my federally protected rights delineated in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. The presented list of accounts starkly demonstrates a blatant disregard for my fundamental rights to privacy and confidentiality.

Despite explicit requests for reinvestigation directed at Experian regarding the following accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, their responses have consistently asserted the completeness and accuracy of all information. However, these assertions directly conflict with the undeniable inaccuracies in critical details such as open dates, dates of last activity, and other pivotal elements.

Under 15 U.S.C. 1681i ( 5 ), these agencies are unequivocally mandated to rectify inaccurately reported accounts. Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), any entity is explicitly prohibited from furnishing inaccurate information to consumer reporting agencies when knowledge or reasonable cause exists of such inaccuracies.

The ramifications of these inaccuracies extend beyond mere data errors. They significantly impact crucial credit ratios, such as the length of credit history, debt-to-credit utilization, and misrepresented balances, consequently impeding my ability to secure credit.

These inaccuracies are an infringement of my rights and impair my capability to obtain fair access to credit opportunities due to misrepresented and flawed data.

Additionally, it is crucial to note that while other bureaus could not verify these accounts, they inexplicably remain on the reports of these agencies. This incongruity is perplexing, as all bureaus are expected to follow similar verification processes. The persistence of these inaccuracies across multiple reporting agencies underscores a systemic issue that requires urgent attention.

I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take decisive action against the entities responsible for their failure to adhere to federal regulations to safeguard consumer rights. Rectifying these inaccuracies is essential to restore the integrity of the consumer reporting system and ensure fair access to credit for individuals. 

Thank you for your immediate attention to this pressing issue.

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 2023-12-29 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: VA

Complaint narrative:
Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Equifax, XXXX and XXXX regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/ and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified. 

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to address the delinquent accounts listed on my credit report. Upon recently receiving a copy of my credit report, I was prompted to question the sharing of my information without my explicit consent. The dissemination of inaccurate and incomplete information has caused me significant stress 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to address the delinquent accounts listed on my credit report. Upon recently receiving a copy of my credit report, I was prompted to question the sharing of my information without my explicit consent. The dissemination of inaccurate and incomplete information has caused me significant stress 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

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Yes I sent in certified letters to the credit bureaus to show nanocuries on my report. They sent me multiple letters stated it was verified. Then I sent in verifications letters telling them they needed to prove how the debt was verified. They did not do this and they are violating consumer law and these accounts now must be removed. My next step is a lawyer if they no longer comply. One account was removed from my report for this reason so the others need to be removed as well. The following accounts are : Dept of edXXXX account number XXXX XXXX and XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against your debt collection practices, which I believe contravene the provisions of the Fair Debt Collection Practices Act ( FDCPA ). My experience with your agency, particularly concerning a debt you allege I owe to XXXX XXXX, prompts this action. 

Count XXXX : Harassment and Unfair Practices Your agency has made over XXXX collection attempts, engaging in excessive and aggressive communication. This includes numerous phone calls, emails, and letters, constituting a breach of my privacy and amounting to harassment under the FDCPA ( 15 U.S.C. 1692d ). Such behavior is not only unacceptable but also illegal. 

Count XXXX : False Representation On XXXX XXXX XXXX, your agency reportedly misrepresented the date of last activity on my debt account. This act of " reaging '' is misleading, as it falsifies the statute of limitations on the debt. It is a deceptive tactic, contravening the FDCPA ( 15 U.S.C. 1692e ). 

Count XXXX : Inadequate Debt Validation Despite my requests, your agency has only provided billing statements, which do not constitute proper validation of the debt as per the requirements of the FDCPA ( 15 U.S.C. 1692g ). The provided documents are insufficient, and thus, the debt remains unverified. 

Count XXXX : Intentional Infliction of Emotional Distress Your agency 's unfair and illegal reporting practices have caused significant emotional distress. By providing false information to credit reporting agencies ( XXXX, XXXX, and XXXX ), you have not only harmed my emotional well-being but also hindered my ability to obtain credit under my business entity. 


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  Demands and Expectations Given the lack of proper debt validation, I demand the immediate removal of the XXXX LVNV Funding entries from my credit reports with XXXX, XXXX, and XXXX. Failure to comply may result in further legal action to enforce my rights under the FDCPA. 

Additionally, I expect a written acknowledgment of this complaint within 15 days of receipt of this letter. 

I am resolute in defending my rights under the FDCPA and expect a prompt and satisfactory resolution to these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to address the delinquent accounts listed on my credit report. Upon recently receiving a copy of my credit report, I was prompted to question the sharing of my information without my explicit consent. The dissemination of inaccurate and incomplete information has caused me significant stress and XXXX 

-- -- -TransUnion -- -- - 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

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 2023-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
My loan is due on the XX/XX/XXXX, with a  5 day grace period  tilXX/XX/XXXX of that month.

I am emailed and or called several times in a single day !

I have picked up the the phone only to be hung up on.

It is always the same phone number  XXXX.

This is Just XX/XX/XXXX calls-

XX/XX/XXXX  XXXX
XX/XX/XXXX   XXXX
XX/XX/XXXX   XXXX
XX/XX/XXXX   XXXX
XX/XX/XXXX   XXXX
XX/XX/XXXX   XXXX
XX/XX/XXXX   XXXX
XX/XX/XXXX   XXXX
XX/XX/XXXX   XXXX


This is plain as day creditor harrassment!!

I pay every month during my contractually agreed upon grace period.

This has been going on since beginning of the year and getting worse each month, not to include emails constantly. 

This needs to stop ASAP.

I am paid monthly,I hold up my bargain.

I certainly hope they are not reporting late payments on my credit, as that is inaccurate due to our agreed terms.

I have plenty plenty more documents proving the harrassment. 

I am also filing a complaint with the Michigan Attorney General Office, as I live in Michigan. 

I plan to file a complaint with the Indiana Attorney General Office, as that is where One Main Financial is headquartered. 

I really need help, and to get One Main Financial to stop this. 

Thank You ,

XXXX XXXX

Company response to consumer: Closed with explanation