vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was charged XXXX $ by chase credit card at a XXXX  air port because they refused to return the cigarettes I bought form their duty free. I made the purchase without knowing they have that much taxes .no on spoke English in the air port not document I sign was in English. I couldnt understand what was written or what was in Spanish language. 
I was surrounded by police officers who dont speak English. I tired many cards I have in my possession but non of them worked. The XXXX customs asked me for a {$200.00} as a bribe but i refused to pay. I did it know how exactly they charging me. I filled a despite with chase but they never grant me the XXXX. XXXX is a lot of money in now days economy I believe my the decision you made regarding my claim is extremely unfair for the fallowing reasons, I never considered the facts around this situation, for example I was in a foreign country not able to understand the language The papers i signed was in a foreign language I was detained in a airport I offer the police so many times to return the products i bought and they refused to take it. 
It is unfair for me to be responsible for {$700.00} this amount to high comparing to the products I bought They threatened me to go to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized credit inquiries made to my credit report. I have discovered several inquiries that I did not approve or authorize, and I am unfamiliar with the companies involved. Additionally, I believe that the credit reporting agencies have shared my personal credit information without my consent. 

The following unauthorized inquiries were made to my credit report : XXXX. XXXX XXXX - Date : XX/XX/year>- XXXX XXXX : TransUnion 2. XXXX XXXX XXXX- Date : XX/XX/year> - Reporting Agency : TransUnion I have not applied for credit with any of these companies, nor have I given them permission to access my credit report. I am concerned that my personal information has been shared without my consent, which is a violation of my rights under the Fair Credit Reporting Act. 

I kindly request that your office investigate this matter and take appropriate action to ensure that my rights are protected. I would also appreciate any guidance on how to address and resolve this issue with the relevant credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-09-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Good morning, This morning I checked my USAA account as usual. To my surprise, there is a loan for over {$19000.00} that I never requested. I have no knowledge of how USAA gave us this loan nor did I request this loan whatsoever. Please investigate. Thank you.

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 2024-09-15 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:
Subject : Request for Removal of False Collection from Credit Report Dear Sir/Madam , I am writing to formally request the removal of a False collection account from my credit report. The collection account XXXX XXXX  XXXX ( XXXX ) THIS ACCOUNT IS CONTINUOUSLY REPORTING FALSELY ON MY CREDIT PROFILE HINDERING ME FROM OBTANING NEW CREDIT! 

I HAVE DOCUMENTS FROM THE CREDITOR XXXX XXXX  CONFIRMING NO AMOUNT IS OWED AND ALSO A SUBJECT FOR REMOVAL LETTER! 

ATTACHED WILL BE A STATEMENT FROM XXXX XXXX  VERIFYING FALSE INFO AND REQUESTING REMOVAL.

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 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: DC

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Chime for incorrect billing. 
I was charged {$550.00} when I was suppose to be charged {$50.00}. 
On XX/XX/XXXX I would be eligible for a temp credit. 
On XX/XX/XXXX the day before I would be eligible for a temporary credit I called in and was told I would not be eligible for a temp credit as my dispute type had been charged to non receipt of goods or service 's. 
My claim was changed without my knowledge and it doesnt make sense to change my dispute to non receipt when I stated I was over charged. 
This situation has really put me in a bind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: NV

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing to formally dispute inaccurate information related to late payments on my credit report for the following account : Account Information Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX Credit Card XXXX Opened : XX/XX/XXXX Balance : {$4200.00} Monthly Payment : {$160.00} Recent Payment : {$830.00} as of XX/XX/XXXX I have identified an error in the reporting of late payments. I was never late on this account, and the reported late payments are due to a billing discrepancy. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate and can be verified. Given that the reported late payments are inaccurate and can not be verified, I kindly request that these late payments be removed from my credit report. 

Please conduct an immediate investigation into this matter, and if the late payments can not be verified as accurate, they should be deleted. Additionally, I request a written confirmation once the necessary corrections have been made to my credit report. 

I look forward to your prompt response and thank you for your attention to this matter. 

Sincerely, 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 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have my credit reports frozen however I received a notification from XXXX XXXX that Barclays Bank Delaware attempted to open an account without my consent.

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 2024-09-15 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: FL

Complaint narrative:
I am writing to formally dispute the reporting of two accounts from XXXX XXXX XXXX auto loan opened in 2012 and a credit card opened XXXX appear on my credit report. I am unaware of the account numbers associated with these accounts. I have never applied for, nor have I ever held, any accounts with XXXX XXXX XXXX. These accounts do not belong to me and are the result of identity theft. 

I have provided clear and substantial evidence supporting my claim, including an FTC Identity Theft Report and a police report filed with the XXXX XXXX XXXX XXXX XXXX  ( Report Number : XXXX XXXX ). Despite this evidence, these fraudulent accounts remain on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), your continued reporting of these accounts violates my rights : 15 U.S. Code 1681c-2 ( a ) : Credit reporting agencies are required to block information resulting from identity theft upon receipt of an identity theft report from the consumer. The documentation I have provided clearly demonstrates that these accounts were fraudulently opened in my name. 
15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : This section mandates a reasonable reinvestigation of disputed information. It is unacceptable that Equifax continues to report these accounts without fully considering the extensive documentation I have provided. The burden of proof lies with XXXX XXXX XXXX to provide valid contracts or agreements signed by me, which they can not do because no such agreements exist. 
I should not be required to provide any further personal information or documentation beyond what I have already submitted. Requesting additional personal information is unnecessary and an invasion of my privacy. 

I request that Equifax : Immediately remove the XXXX XXXX XXXX XXXX loan and credit card accounts from my credit report. 
Cease any further attempts to reinsert the disputed accounts without a thorough and impartial review of all evidence provided. 
Ensure full compliance with FCRA requirements in handling this and any future disputes. 
If this issue is not resolved promptly, I will have no choice but to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I trust that Equifax will take the necessary steps to rectify this situation and ensure the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the reporting agency, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent, inaccurate, and false accounts consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the reporting agency, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent, inaccurate, and false accounts consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
On Wednesday, XX/XX/2024, I received a notification from CashApp requesting that I update my account with either my preferred phone number or email address. I opted to provide my email. Immediately after submitting this information, I received a message stating that my account had been closed due to a violation of the terms of service. Confused by this abrupt action, I contacted CashApp customer support and spoke with a representative named XXXX. Unfortunately, he was unable to provide any specific details about the violation, only stating that the account was closed for violating the terms of service. 

When I inquired further to understand exactly what had triggered the closure, I was told that " CashApp isn't required to provide any reason for closing your account. '' I was then directed to review the online terms of service, which did not clarify the issue. I was advised to file an appeal, which I did. I was informed that the appeal process could take up to 45 days. 

Compounding this issue, I had my XXXX payments, which are typically direct deposited on Wednesdays, sent to this account. My account was closed around XXXXXXXX XXXX before the deposit had been completed. I was informed that the funds had been sent back, leaving me with no access to the deposit. As of the time of writing this complaint, I still do not have access to my XXXX payments. 

Additionally, I had an open dispute with a merchant regarding a refund. The merchant processed the refund, but due to my account being closed, the refund was declined. I am now in a position where my account remains closed without a specific explanation, I can not access my XXXX payments, I have no information on the status of my funds, and a merchant refund was also rejected. 

It is concerning that CashApp appears to be using XXXX  algorithms to monitor and flag accounts, potentially without human oversight. It is critical that companies like CashApp take responsibility for ensuring that accounts are not unjustly closed due to false flags or errors in automated systems. They say they are not a bank but they are able to act, conduct, process and revoke access to funds just like a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I reviewed and contacted debt collector to get more information on why they are furnishing this debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: IL

Complaint narrative:
The credit report from XXXX XXXX  shows monthly payment missing. But the payment is all done accurately, and balance is XXXX still in my credit report it shows payment missed and it is impacting my credit score XXXX : 30 days late payment in XX/XX/year>. I am filing this complaint to get the payment missing reversed so that my credit score be improved

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 2024-09-15 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: IL

Complaint narrative:
The credit report from XXXX XXXX  shows monthly payment missing. But the payment is all done accurately, and balance is XXXX still in my credit report it shows payment missed and it is impacting my credit score XXXX : 30 days late payment in XX/XX/. I am filing this complaint to get the payment missing reversed so that my credit score be improved

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 2024-09-15 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: FL

Complaint narrative:
Balance {$1100.00} opened XX/XX/XXXX  In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX original creditor : XXXX XXXX XXXX has violated my rights. 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

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed XXXX XXXX XXXX XXXX XXXXXXXX. I have been working on get my credit improved since XXXX. I recently applied for a loan with the credit union I have been with for over 12 years and having excellent payment history, over payment of credit cards, I was informed I had a public record hanging over my credit stating my bankruptcy was still pending!!! It had been discharged over XXXX almost XXXX years ago and this has kept me from making major purchases thru no fault of my own. I know of a person who filed a bankruptcy and within a matter of weeks purchased a brand new vehicle. This bankruptcy not showing its having been discharged has hurt me financially for the past XXXX years!!! I have lived in my home since XXXX, I am driving a XXXX vehicle. I havent been offered any type of credit other then credit cards with high interest rates and I reached out desperately for a loan charging an interest rate of over 36 % because of my credit rating. Had i not contacted XXXX and was informed by my credit union, I was not aware of that bankruptcy still not showing the bankruptcy as being discharged. I informed the lawfirm that filed for me and havent heard back from them. I know my bankruptcy was filed discharged and ordered because I worked for the United States district court my bankruptcy was filed in.

Company response to consumer: Closed with explanation