vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MO

Complaint narrative:
XX/XX/XXXX, XXXX issued three refunds. The refunds were for amounts {$160.00}, {$93.00}, and {$46.00}. 

These refunds never posted into my Chime Checking Account. 

On XX/XX/XXXX, with help from support. I initated three different chargeback disputes. One for each refund. With each dispute I added multiple forms of XXXX claiming to have sent the refund. This includes chat logs with regular agents, supervisors, account specialists, and payment specialist, and emails from both customer service and Executive Customer Relations. All the specifically declare the refund was sent on XX/XX/XXXX. 

XX/XX/XXXX, My dispute were declined for unspecified reasons. When I requested the documentation and reason behind their decision I was met with silence. They did provide a ticket number for the issue being unsolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: OneMain Finance Corporation
State: TX

Complaint narrative:
One Main Financial allowed an account to be open with out my approval. This was a fraudulent account and when caught I have tried to dispute with the company. After submitting affidavit as requested I was told I needed to provide policy report. Per my local PD they were only able to create an incident report due to the lack/none documents to provide about the account. Case number was provided to One Main and their response that they needed a physical copy with companies information listed. Upon out emails I provided them the information that only so much could be done and if One Main wanted investigated they will need to provide information to the police department and assign a detective to investigate. After 30 days I have tried to request someone to respond and they are only allowed to contact me by email. I have requested a phone call and even from management to contact me and no one has done so since the request. I have done what they have requested and not once has anyone offered to send me or the police documentation about my account. Only information I have been given verbally is that my account is closed but I am still being reported as account past due. There has nothing been mailed to me as a form of statements or anything and finally after a few phone calls to their general customer service someone gave me an amount of {$41.00} past due for their annual fee. But that is all that was given, I was barely even able to get a date when account is credit. For a credit company and verifying my information that account is with my personal info no one is ever willing to give me information for my account. This is odd since other companies will gladly provide answers to questions about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: SC

Complaint narrative:
XX/XX/XXXX I received my Equifax consumer report Confirmation # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still reporting Bankruptcy in the public record section of my Equifax consumer report. Even though Bankruptcy maybe public record BUT for it to be reporting to my consumer report, I must give them my written permission and I never gave them my written permission. According to 1681b- they have violate my rights. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my privacy act accord to privacy act of 1974. The Privacy Act of 1974 states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. And, Equifax is reporting XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX with the Bankruptcy status - I'm requesting the Bankruptcy be removed from this tradeline immediately. To this complaint I have provided attachment with proof of privacy act 1974, proof from Delaware Courts stating they don't report Bankruptcies to consumer reporting agencies, and i have proof of my spouse letter for South Carolina Bankruptcy court states that don't report to consumer reporting agencies..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
I wasnt sure which option to choose when putting this complaint together. 

I have a moneylion account that is paid off and the membership is canceled. When I try to use the account deletion option on the app it doesnt work. 

When I contacted customer service they said they cant delete my account only deactivate it. I want it gone. 

I was this account deleted and closed. I also want them to remove my linked banking information. And I want no further charges to be placed by moneylion since I have paid in full.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 
Sincerely, 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 2024-03-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recently reviewed a copy of my consumer report and noticed that you are reporting an experience related to a line of credit I have with your company.

Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; The line of credit I have with your company is characterized as utilization on my consumer reports and your company is illegally reporting this experience.

Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. Therefore, you are in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting this experience. 

You have 5 calendar days to update my utilization to 0 % and/or delete all utilization from my account. Failure to correct this error may result in legal action and seeking monetary damages.

Thank you for prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently reviewed a copy of my consumer report and noticed that you are reporting an experience related to a line of credit I have with your company.

Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; The line of credit I have with your company is characterized as utilization on my consumer reports and your company is illegally reporting this experience.

Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. Therefore, you are in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting this experience.

You have 5 calendar days to update my utilization to 0 % and/or delete all utilization from my account. Failure to correct this error may result in legal action and seeking monetary damages.

Thank you for prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I recently opened an account with SOFI Bank. I transferred funds from XXXX XXXX bank. On XXXX an ACH for XXXX dollars from XXXX XXXX bank to SOFI Bank. On XXXX there was a reversal of this ACH for XXXX dollars. Soon after XXXX froze both my checking and savings account stating that this ACH reversal was against XXXX policy. Upon contacting SOFI Bank has no timeline of when my accounts will be unfrozen. Furthermore all monies in the account are VA benefits and should be exempt from a freeze. If this is not resolved soon I will be a homeless XXXX veteran. Even though my accounts have not reflected a negative balance XXXX has choose to cause undo stress upon me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
FMA Alliance contacted me by mail regarding an alleged debt from XXXX XXXX XXXX XXXX. I responded in writing, and informed the company that I disputed the debt. Nonetheless, FMA Alliance and XXXX XXXX have repeatedly attempted to contact me about the debt without providing any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: RI

Complaint narrative:
I revoked all past and future consent for Experian to report this account on my consumer report and they are still reporting the account despite my dispute to Opt out of reporting. Same goes for XXXX and 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 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Milestone card is charging so much {$250.00} anual fee, I have two accounts with them. The first account they charged me {$170.00}, the second one they are charging {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
When applying for a credit card recently on XXXX XXXX I noticed credit cards both store and general purpose that I didn't apply for. They were sent to addresses I never lived at, and phone numbers that were not mine. I contacted the credit bureau to notify them. They put a fraud alert on my credit report, took the some of the incorrect addresses and phone numbers off and told me to contact you in order to finish the process of the errors. My credit score is extremely low because of the fraudulent activity. I am requesting that the accounts be removed from my report as they are fraudulent and hurting my credit.

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 2024-03-23 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:
I recently reviewed my credit file and discovered several inaccuracies in the personal information reported. It has come to my attention that you are reporting information that is inaccurate or does not belong to me, which is not only concerning but also has potential repercussions for my financial well-being. 

I am writing to ensure that my credit file contains the most accurate information possible at all times. Therefore, I kindly request that you delete the following inaccurate information contained from my credit file within the next 30 days. I have provided current and correct information for each category to be updated along with proof of identification in the attached document. 

If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. 

Under the provisions of 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only in accordance with written instructions from the consumer to whom it relates. Despite this legal requirement, Experian has knowingly furnished my consumer report with inaccuracies on multiple occasions without having received written instructions to do so and is a violation of my privacy rights. These actions have caused significant difficulties in obtaining needed credit. 

I trust that you will address this matter with the urgency and seriousness it deserves. Failure to correct these inaccuracies within the specified timeframe may result in further legal action and the seeking of monetary damages for violations. I appreciate your prompt attention to this matter.

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 2024-03-23 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consume report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy along with. I demand the removal of these accounts!

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 2024-03-23 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consume report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy along with. I demand the removal of these accounts!

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian updated my dispute and claimed they did so by investigating by a furnisher of the accounts below Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX How can this be a proper investigation? this is infact a major violation of 15 USC 1681a. ACCORDING TO THE FCRA, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

NO REINVESTIGATON WAS DONE, AND IF EXPERIAN FAILS TO COMPLY AND FIX THE MATTER THEY WILL BE HELD LIABLE UNDER 15 USC WITH A CIVIL LIABILITY FOR NONCOMPLIANCE.

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 2024-03-23 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:
I can't use the Amex gift card on on XXXX. And the transaction is declined. I then tried again with various other amounts. 

Many people have reported having this problem starting this past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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:
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.

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 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I had an account with an XXXX XXXX card ending in XXXX for a settlement to close the account if I pay {$200.00} on XX/XX/XXXX, by XX/XX/XXXX. I paid on XX/XX/XXXX and it was confirmed at that time it was settled and closed. However, this company keeps calling me, texting me, and emailing me that a payment is due. I called on XX/XX/XXXX, at approximately XXXX XXXX. To let them know that I do not want any more correspondence from you due to the settlement. The agent highlighted they can not promise that. 

Settlement message on XX/XX/XXXX : Pay {$200.00} to settle your account in full. 
Thats 65 % off your total balance of {$570.00}. 
This is a limited-time offer. 
You must call and have your payment post by : XXXX Correspondence email on XX/XX/XXXX : XXXX, Your payment for your Account is due on XX/XX/XXXX. Visit XXXX to review your Account and make a payment. 
Making a Payment is XXXX XXXX : XXXX By phone : Call XXXX and have your Account number ready. 
By check : Please mail your check at least XXXX calendar days before your due date and make your check payable to XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation