vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX, Account # : XXXX XXXXAccount # : XXXX XXXX. Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
Company U.S. Bank XXXX XXXX I'm writing to express my disappointment and frustration regarding the promotion bonus for the XXXX Checking Account ( promo code XXXX ). Despite meeting requirements, including direct deposits exceeding {$10000.00} within XXXX  days, my {$500.00} bonus wasn't posted. 

*Timeline* - XX/XX/scrub>XXXX XXXX XXXX  : Applied and approved for XXXX  Checking Account - XXXX XXXX XXXX : Confirmed eligibility with representative XXXX - XX/XX/scrub>XXXX XXXX XXXX XXXX  Representative XXXX verified requirements and promised follow-up - XX/XX/scrub>XXXX XXXX XXXX  : Representative XXXX repeated promises - XXXX ( fourth call ) : Representative Candy investigated and uncovered issue *Issue* Previous non-Smartly account was mistakenly considered, voiding eligibility. No notification was received. 

*Resolution* Spoke with XXXX XXXX, who apologized for inconvenience. 

XXXX - XXXX of transparency - Miscommunication - Unacceptable business practices- Discriminating I request justice and resolution for this frustrating experience. 

I have all of relevant documents and recordings to support my case.

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 2024-11-01 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: 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 : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 XXXX 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 2024-11-01 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: Affirm Holdings, Inc
State: CT

Complaint narrative:
the company Affirm.com sent me a email telling me that i am not responsible for the {$4500.00} amount. I had filed a dispute with XXXX to have the debt removed from my credit report. and on XX/XX/year> XXXX  stated that the creditor said the information is accrucate. This the creditor and XXXX  has caused me to be denied loans because of this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MA

Complaint narrative:
Dear FIRST CREDIT SERVICES ; I am writing to dispute an alleged debt reported by your company, as this account does not belong to me. I have never had any relationship or agreement with XXXX XXXX XXXX or XXXX XXXX, and I believe this account has been reported fraudulently. 

The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter, I am requesting the following documentation : Proof of your authorization under 15 USC 1692e and 1692f to collect this debt.

The legal basis for attempting to collect this debt.

Proof of your authorization to operate in my state.

Evidence of the alleged debt, including any contracts or agreements bearing my signature.

A full account history, including any charges and fees associated with this account.

Your actions violate FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I therefore demand the immediate removal of this fraudulent account from my credit report and prompt resolution of this matter. Under the provisions of the FCRA and FDCPA, I request that this item be deleted from all three major credit bureaus ( XXXX, XXXX, and XXXX ) as soon as possible. 

In a good faith effort to resolve this matter amicably, I expect full documentation of the alleged debt, specifically any contract or document bearing my signature and evidence of your authority in this case. Absent such proof, I demand the immediate deletion of any erroneous reports related to this account from my credit profile. 

Thank you for your immediate attention to this serious matter. I expect a response within 30 days to confirm compliance with the applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/2024, there was a fraudulent transaction to my XXXX credit card for {$0.00} for XXXX  that was made without my permission. I never provided my credit card or any other information to this company in the past. The same thing happened with XXXX for {$.00} on XX/XX/2024. Due to the fraudulent charges, I closed my account, thinking this would resolve the issue. To my surprise, I just learned today that apparently Chase/Visa automatically updates my new credit card information with these companies, despite me reporting it as fraud and never had a relationship with the companies. This defeats the purpose of closing the account and is a blatant violation of the fair credit and reporting act. I called Chase Customer serviceand they refused to remove the updates, stating I had to update with the companies themselves, despite them being fraudulent. This is unacceptable. I finally got a hold of someone in fraud who was helpful and said they were able to remove these fraudulent stored card numbers. There's clearly a flaw of XXXX XXXX XXXX that is allowing for the direct violation of the fair credit and reporting act that needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have opened my Capital One XXXX XXXXXXXX credit card in early XXXX. I am fairly new to the United States and had some temporary payroll issues with my new employment in addition to months worth of debt I had to resolve over the past few weeks. Thats why I had some returned payments in my Capital One account. I have informed Capital One about my financial issues and was told that I can just make new payments once my situation improves, but I have to pay attention to the minimum payments due date. Over the last week, we got our payroll situation resolved and my financial situation has returned to normal. 
Now that my financials are looking much better, I wanted to finally pay off my credit card balance of {$290.00}. However, upon opening the Capital One app, I noticed a small warning that my credit card account is restricted. I immediately called Capital One on the phone and was informed that my account has been closed for a violation of the XXXX XXXX. 
This makes me deeply concerned. I have been transparent with my temporary financial issues, was assured that this is not a problem as long as at least my minimum payment of {$25.00} is paid by XX/XX/2024. I have not overused my credit in any way. I have also reviewed the cardholder agreement and can not explain myself, why I was violating any of the terms stated. I understand that the bank has the right to close clients accounts at any time for any reason, but this is not how a bank like Capital One should treat new customers. Im trying to build my credit, XXXX trying to establish positive payment history but I just had temporary financial issues over the past few weeks. After looking into my Capital One account again, I have noticed a Fraud letter suggesting that Capital One is accusing me of fraud. Im out of words. This decision to close my account will also add substantial damage to my credit profile, which will make my life much harder considering I am new to XXXX and dont have much credit history yet. 
I dont feel treated well by Capital One in this matter and no one ever contacted me, or talked with me about this issue. It was the opposite, I was told that the returned payments I had are not a big issue and as long as I make future payments on-time, there will not be any reportings to my credit. 

Please refer to the attached letter for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX, Account # : XXXX XXXXAccount # : XXXX XXXX. Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-11-01 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: NJ

Complaint narrative:
Dear CFPB Dispute Resolution Team, I am writing to formally dispute inaccurate information on my credit report, which I obtained through XXXX on XX/XX/scrub>XXXX I believe that the data reported by the credit bureaus contains errors that negatively impact my credit standing, and I respectfully request an investigation into these inaccuracies. 

Specifically, the issue is with the account reported by " XXXXXXXX XXXX XXXX  XXXX '' on my credit report. According to the reports from XXXX, XXXX, and Equifax, the account shows late payments which are inaccurate. I have never missed any payments on this account or any other account. 

The credit report details are as follows : Account Name : XXXX XXXX XXXX XXXX Account Number : Ending in XXXX ( Full account number is available upon request ) Credit Bureaus Reporting Late Payments : XXXX and Equifax Reported Late Payment : 30 days past due on XXXX and Equifax Please see the attached screenshots of my credit report, which demonstrate that the account was reported as closed and fully paid as of XX/XX/scrub>XXXX XXXX XXXX There are also consistent " OK '' indicators in the two-year payment history for each bureau, reflecting timely payments. Despite this, both XXXX and Equifax report a XXXX late payment in the XXXX history section, which is erroneous. 

I request that the CFPB assists in investigating and removing these inaccuracies. The incorrect reporting of late payments has the potential to harm my creditworthiness unjustly. I am attaching copies of my credit report screenshots, which highlight these inaccuracies, as well as any additional documentation requested to assist in resolving this matter. 

Account Status for XXXX XXXXXXXX XXXX XXXX  : The account is marked as closed with a balance of {$0.00} as of XX/XX/scrub>XXXX XXXX XXXX 
The " Two Year Payment History '' section for XXXX, XXXX, and Equifax all show " OK '' for each month, indicating no missed payments. 
Inaccurate Reporting of Late Payments in the " Days Late - 7 Year History '' : Despite the " OK '' history, both XXXX and Equifax report a XXXX late payment in the XXXX history section. 
This is inconsistent with the " XXXX XXXX XXXX XXXX '' section, which shows all payments as " OK '' without any missed or delayed entries. 
Inconsistencies in Creditor Remarks : XXXX notes that the account was " XXXX, was past due 30 days, '' which contradicts the reported " OK '' status in every month. 

Thank you for your attention to this matter. I am confident in your ability to help rectify this situation and ensure that my credit report accurately reflects my payment history. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UHG, LLC
State: IL

Complaint narrative:
In XXXX, an unknown identity thief opened a XXXX account in my name and proceeded to make purchases and receive cash advances, totaling ( including interest and fees ) : {$2200.00}. On XX/XX/XXXX this account was taken over by XXXX Bank, which has since been taken over by UHG I LLC. Their law firm, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX served papers to my home, to my daughter, in XX/XX/XXXX. We have since been in communication and I filed my appeal, pro XXXX, on XX/XX/XXXX. I received a mailed response from the law firm on XX/XX/XXXX. 

Since this is a case of identity theft, and they used a previous address that I hadn't lived at since XX/XX/XXXX, I did not receive any bills or correspondence. They also used a partial version of my name which is and has never been my legal name, a name that is not on any of my legal ids. Proof of my addresses ( signed leases ) during this case were sent to the law firm as well identifications proving my legal name. I filed a police report on XX/XX/XXXX. 

I did not open this account nor can or should I be responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
on XX/XX/year>, I took and ACH PAYMENT for {$9900.00}, to have a security hold put on my account which I figured it was normal for the protocol on to have my ACCOUNTDEACTIVATED TODAY by email saying THAT BECAUSE OFTHE TYPE OF TRANSACTION WE WILL NOT BE ABLE TOSUPPORT YOUR BUSINESS, AND YOU CAN NOT GETYOUR MONEY BACK FOR 90 DAYS! I am out of business before it started. My client is upset to no end, from the reviews I see people are writing the DEPT OF FINANCIALPROTECTION CALIFORNIA. PLEASE HELP ME GET MYCUSTOMERS MONEY BACK I am a XXXX XXXX retired, and I looked at the reviews I am not the only person with this issue how can they still be allowed to do business

Company response to consumer: Closed with explanation