vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: DISCOVER BANK
State: AZ

Complaint narrative:
As I tried to fight a dispute over clear fraudulent charges made in Florida, a state that I do not reside in, Discover claims that my voice recording had " matched '' a voice confirmation for that purchase. They also claimed that I had confirmed via email even though this is not the case. I believe there was possible identity theft involved and the criminal had access to my email which had this card linked to it. After calling Discover, I had found out that there were more fraudulent charges from the state of Florida, some of them they denied, but for some reason they let multiple pass through on the basis of " voice matching ''. I sent them evidence of my GPS location with time stamps of the days involving the charges, but Discover disregarded them even though it proves I could not have possibly have made those purchases. I do understand why Discover did not recognize these out of state charges that were irregular to my spending habits on this card for example since there were duplicate charges of the exact amount at of {$500.00} at XXXX different XXXX XXXXXXXX Locations immediately after each other which is nearly impossible to physically to do. And Discover was no help in reopening the dispute even though I opened a police report and Discover even asked me if I would be seen on the surveillance video and I responded with a strong no. I believe the Discover representative took my phone conversation answers out of context since they were not very transparent with their questions to make me " admit '' to these charges so Discover does not have to cover them. Discover did not ever freeze the account after detection of fraudulence and they let the fraudulent charges in Florida continue. They also did a poor job of communicating with me by not telling me they were investigating the situation and completely confused me by making me re-setup my text confirmation over the phone even though I had no prior problem when receiving SMS text messages about my account. Discover 's way of notifying me was very inconsistent among charges which ultimately lead to my confusion when trying to settle the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: 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.

has violated my rights. Or a 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 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 explanation
Consumer complaint received 2023-12-19 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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Skrill USA, Inc.
State: AZ

Complaint narrative:
Ive had an account with Skrill for a few months with several debit and credit cards connected to my wallet in the app. The limits have always been {$5400.00} per card since I added them ( without any additional verification ). My account is also fully verified to unlimited. 

Today, Im waking up to all of my limits dramatically decreased for every card to {$52.00}. Only one card is verified and still shows the {$5400.00} limit. I called support and spoke to a supervisor XXXX, who was very condescending on the phone and unhelpful. 

She claims the reason for the low limits is that the cards are not verified, even after I explained multiple times the limits have always been at {$5400.00} for all cards without verification up until this point. It makes no sense why Skrill has decided to cut my limits down so drastically, especially when Ive handed over tons of personal information to verify the account and avoid this issue. 

There is no practical use case of Skrill for me at this moment with {$50.00} limits on my cards. Skrill needs to increase my limits back to the original {$5400.00} for all cards in my wallet currently and any card I add in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: OK

Complaint narrative:
The company did not take the steps to contact me regarding the balance of this medical bill debt, which I believe was paid for around the year XXXX or XXXX and has not shown up on my credit since it was paid for. 

The 3rd part debt collector has went to court without serving me the legal information for me to also be present in the court of law. The medical bill was from a XXXX XXXX XXXX  XXXX and my bank account has been garnished 8 years later after the debt has been removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX balance of {$1800.00} XXXX XXXX balance of {$3600.00} XXXX XXXX XXXX balance of {$11000.00} XXXX balance of {$4700.00} XXXX XXXX balance of {$0.00} All of the above should have been removed from my reports the same time the derogatory information was removed XX/XX/XXXX I only have one Credit Card and it is a XXXX XXXXXXXX Card with a {$300.00} limit. I don't use credit. 

The Hard Inquires need to be removed I have not applied for any credit aside from my car and house and those I will not list for removal. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This needs to stop, I have never seen this dirty mess before.

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I made a credit card payment to PNC bank in cash, I called him the next day and asked him why hasnt the payment posted, and they said that it takes up to seven days for a cash payment to reflect on my account with them, to me that is criminal. They are using my money for other nefarious purposes, and not crediting my account when it should be instant credit like XXXX XXXX, and all other banks do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
FMC offers reward points. I called to obtain my total accumulated points and IF I could use these reward points to obtain the navigation map update. Cost of {$100.00} for 1 download. I was informed yes, but first I had to get my points under 1 account. This was my initial call on XXXX. 

Below is a breakdown of the calls I made regarding this issue. 

I called FMC Reward Center XX/XX/XXXX at XXXX. Call lasted 21 minutes 41 seconds. 
Called again Friday XX/XX/XXXX at XXXX. Call lasted 9 minutes 26 seconds. 
Called again Tuesday XX/XX/XXXX at XXXX and XXXX. Total calls lasted 34 minutes. 
Called again Friday XX/XX/XXXX at XXXX. Total call lasted 1 hour 21 minutes and 42 seconds. 

As I indicated, I was able on the initial call to get my reward points under one account. 
I asked if I could obtain the navigation map system updated and was informed to allow time to have account updated with all reward points on one account. That happened on XX/XX/XXXX. 

On Tuesday XX/XX/XXXX I was informed that I was authorized and approved to obtain the update to the navigation maps. I was forwarded via text message on Tuesday XX/XX/XXXX at XXXXXXXX XXXX from phone number XXXX the instructions to update my navigation map system. 

On Friday XX/XX/XXXX I followed the instructions to update my navigation map system, however, I did not receive the confirmation message that my update was complete, so I then logged in to my FMC account online to see if I could see the update. Yes, I could the update pending, however, I received an error message. I called back in to the reward center to determine the status of my update. 

After calling in on XX/XX/XXXX, and being transferred 4-5 times, I was then informed that I was not able to obtain the navigation map update without first signing up for a subscription AND providing them a credit card number. I informed the CS representative that I was not interested in obtaining any subscription, but only the XXXX download of which I had already been approved for AND was never asked to provide my credit card number, or any sign up for a subscription. This was the first time I had heard of it through several phone calls to the reward center call center.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Subject : Urgent Complaint Regarding Venmo Account Suspension and Unresolved ID Verification Dear Consumer Finance Complaints Department, I am writing to urgently address a severe concern regarding the suspension of my Venmo account, XXXX XXXX. Despite complying with Venmo 's request for ID verification, my account remains suspended, and I have yet to receive a clear explanation for this action. 

On XX/XX/, my account was suspended without warning, disrupting my access to funds and vital financial transactions. In an effort to resolve this matter, I promptly provided Venmo with the requested identification documentation. However, despite this compliance, my account remains suspended, and communication from Venmo has been insufficient in providing a resolution or clarification. 

I am deeply troubled by the lack of responsiveness and transparency in this process, as I have willingly cooperated with Venmo 's verification procedures. A fair resolution to this issue requires the immediate unsuspension of my account and a clear explanation of the circumstances surrounding the suspension. Additionally, any missing funds or discrepancies resulting from this suspension must be promptly rectified. 

I appreciate your attention to this matter and kindly request your intervention to ensure a swift and just resolution. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: FL

Complaint narrative:
To who it may concern, I am writing to dispute incorrect late payment information from XXXX XXXX XXXX that is showing on my credit report. Specifically, my account status is listed as current, yet the payment history shows a payment that is 30-59 days late. This contradicts the account status and is negatively impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when consumers dispute information on their reports. I am requesting that you immediately investigate this inaccurate late payment posting and delete it from my credit report. 

This erroneous information is damaging my ability to obtain credit and financing. Despite my account with XXXX XXXX XXXX being current, the incorrect late payment history you are reporting has lowered my credit score significantly. I have suffered financial distress due to decreased credit opportunities as a result of this inaccurate information. 

To summarize, I am disputing the 30-59 day late payment you have on file from XXXX XXXX XXXX and demanding that you remove this incorrect payment status immediately. Please conduct your investigation and rectify this issue as soon as possible in accordance with FCRA guidelines so that my credit report properly reflects the true status of my account. 

Please let me know when you have completed investigating and resolved this inaccurate information on my credit file. I appreciate your time and cooperation in ensuring the responsible reporting of my credit history. Yo Enclosures : [ ITEM SHOWING CURRENT PAYMENT STATUS YET COMMENT 30-59 DAYS LATE ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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:
To Whom It May Concern, I trust this letter finds you well. I am writing to address discrepancies in the reporting of my personal information on my credit report. Having recently reviewed my credit report, I have identified inaccuracies associated with my profile. 

As of the date of this correspondence, my current residence is accurately reflected by the address stated above. However, I have observed inconsistencies in the reporting of my date of birth and name. I am reaching out to you to promptly rectify this matter. 

To facilitate the correction of errors on my credit report, I kindly request the following actions : Update my credit report with the correct name and date of birth as follows : Date of Birth : XX/XX/1991 Name : XXXX XXXX XXXX Remove all previous addresses from my credit report, as I no longer reside at those locations. The inclusion of outdated addresses is impeding the verification of my identity and adversely affecting my ability to secure approvals for various financial transactions. 

To support this request, I have enclosed a copy of my updated address form, serving as proof of my current residence. Additionally, I am willing to provide further documentation, such as a utility bill or other forms of verification, to facilitate the verification and update of my credit profile. 

Understanding the significance of maintaining accurate and up-to-date information on my credit report, I appreciate your prompt attention to this matter. Your assistance in resolving this discrepancy is crucial for my seamless conduct of financial transactions. 

I kindly request that you investigate and address this matter within the legally stipulated timeframe. I eagerly anticipate receiving confirmation of the corrections made to my credit report. 

Thank you for your expeditious attention to this matter. I sincerely appreciate your cooperation. 

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
As XXXX Spoke to XXXX XXXX from credit acceptance She stated that I would be mail a copy of the sign contract. Now I went ahead and call the XXXX XXXX dealer and recorded the conversation and XXXX stated that they move and had no original contract. 
So again I want to re force the invitation on this complaint. What you have on your email isn't my signature for the credit application, if you need proof of the conversation, please feel free to call me. I also recorded XXXX XXXX. 
Again, this is 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 2023-12-19 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: NC

Complaint narrative:
Under the XXXX XXXX ( XXXX ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, as allowed by law. In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. As a diligent consumer, I am concerned about the privacy and security of my personal information. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice. I demand the following accounts be removed from my Credit Report immediately. 

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 2023-12-19 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: OH

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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 2023-12-19 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: OH

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 name : XXXX XXXX Account name : XXXX XXXX, Account name : 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 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 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 non-monetary relief