vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Regional Management Corporation
State: NC

Complaint narrative:
Repeatedly contacting my employer several times out the day interfering with my work. Repeatedly call my references all day. Repeatedly calls me all day from several different numbers. Even calls my employer and references from several different numbers all throughout the day. Sent mail saying that they will file to collect what is owed but still calling my employer, references, and I several times throughout the day. This company is Regional Finance Corporation. The local office calls and a number from XXXX South Carolina calls all day everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Since XXXX, my personal loan with XXXX XXXX XXXX has been settled for less than full balance, with my final payment being in XXXX. I have called numerous times since XXXX and spoke with multiple supervisors who acknowledged that the account is closed. I am still receiving payment reminders from XXXX as well as credit bureaus being sent incorrect information. XXXX is reflecting a full balance, which I no longer owe, and are reflecting payments that are missed from the account that should be closed. A supervisor provided me with the document I will attach that shows my account should be closed as of XX/XX/2024.

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 2024-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I logged into my Chime Mobile Banking app to pay a bill. I immediately noticed that my XXXX XXXX XXXX was turned off The app for login. I then Logged in with my email and password. Once the account open, I saw that all of my money Was gone. I checked the statements And saw that there were two separate transactions sent to a name that I do not know. One transaction for {$500.00} and the other for {$1000.00} ant anround XXXX on XX/XX/year>. I anlso received an email from chime with a log in request at XXXX that I did not request. Immediately called disputed the transactions. The Chime support let me know that I was qualified for a temporary credit until the investigation was complete. The agent let me know that I should receive the temporary credit in the full amount of {$1500.00} within 10 business days. After I Filed the dispute with chime bank, I was told I would receive information within the next couple of days regarding the investigation. The dispute number is XXXX filed on XX/XX/year> @ XXXX am. The same day XX/XX/year> @ XXXX I received an email update about the dispute, It said that the investigation was concluded, and I would not be receiving a refund or temporary credit that I was promised. I have proof that I did not those transactions and also proof that I was not active in the mobile app from XXXX XXXX  to XXXX XXXX  on XX/XX/year>. I was told by the company that they would send me documents as to why they made the decision to deny my disputes, they did not send them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Received a Bank of America credit card with a reward if you spend {$500.00} you get a {$250.00} XXXXXXXX XXXX XXXX  This was back in XXXX, and I spent over {$00.00} within the 90 days ' time period. Made several calls and was told because XXXX instead of XXXX of sale. they put it thru as cash advance, but it not! After several more calls were told that they see the problem, took off the cash advance fees, and I should be getting my card around the XXXX of XXXX. Calling again now saying it was a cash advance with I bought XXXX admission tickets and was told because its XXXX XXXX. I have no problem with XXXX, they put it through as a Point of Sale and told me they should not put a POS as a cash advance.

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 monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

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 explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  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 non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This complaint is a follow-up to my complaint # XXXX. 
If you review my previous complaint, you will see that I purchased a XXXX XXXX on XXXX and returned it on XXXX. Along with the purchase of the XXXX XXXX, I purchased a XXXX XXXX XXXX. I returned the lawn mower and my down payment, ( which included the XXXX XXXX ) was refunded. The problem is that XXXX XXXX refuses to close the account with Synchrony Bank. On XX/XX/XXXX I phone XXXX and spoke with a customer service representative by the name of XXXX. He confirmed that as of XX/XX/XXXX I did not owe XXXX any money. My account had a zero ( XXXX ) balance. I was also advised that the service agreement was cancelled as well. Synchrony Bank is still billing me for the service contract. I was transferred to a woman named XXXX who advised that she would have to send the refund check to me. I told her not to send the check to me, just to send it directly to Synchrony Bank. XXXX insisted that the check had to be sent to me and I would have to mail it to Synchrony Bank. She said I would receive the check within XXXX ( XXXX ) business days. As of the writing of this second complaint I have not received the check, and I am now being charge late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am writing to address a matter concerning the reporting of a charge-off on my consumer report, which I believe violates federal regulations and established case law. Specifically, I am concerned that the Internal Revenue Service ( IRS ) considers a charge-off as income, and as such, it should not be reported to any consumer reporting agency. As per the Fair Credit Reporting Act ( FCRA ), it is essential that consumer reporting agencies furnish accurate and fair information regarding an individual 's creditworthiness. However, the reporting of a charge-off, which is treated as income by the IRS, contradicts this requirement. The IRS has explicitly stated in various publications and guidelines that a charge-off is considered taxable income. For instance, in Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ), the IRS outlines that cancelled debts, including those resulting in a charge-off, are generally considered taxable income unless specific exceptions apply. This confirms that a charge-off is recognized as income by the IRS. Furthermore, case law supports the notion that a charge-off should not be reported to consumer reporting agencies due to its classification as income. A notable case in this regard is the United States XXXX XXXX case of XXXX XXXX XXXX XXXX, XXXX T.C. XXXX ( 1987 ). In this case, the court ruled that a cancelled debt, which resulted in a charge-off, was indeed taxable income and should be treated as such for tax purposes. This ruling establishes a precedent that aligns with the IRS ' classification of charge-offs as income. Given the IRS ' stance and the precedent set by relevant case law, it is evident that reporting a charge-off on a consumer report is erroneous and may potentially mislead lenders and other entities assessing an individual 's creditworthiness. Therefore, I kindly demand that you take the necessary steps to rectify this issue and ensure that any reporting of a charge-off on my consumer report is promptly removed. I trust that you will address this matter in a timely and appropriate manner. Should you require any further information or documentation from me, please do not hesitate to contact me via the contact information listed on the account. Thank you for your 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 explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Credit bureau 's will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : Account name : XXXX Account number : 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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Credit bureau 's will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my disappointment regarding the unresolved inaccuracies on my credit report, despite multiple previous dispute attempts. As a diligent consumer, I have consistently adhered to the procedures outlined by the Fair Credit Reporting Act ( FCRA ) in an effort to rectify these discrepancies. 

Upon reviewing my credit report, I have identified several items that contain erroneous information. Despite my repeated efforts to dispute these inaccuracies through your agency, they have not been appropriately addressed or corrected. This failure to rectify the errors has had a detrimental impact on my creditworthiness and financial well-being. 

Under the FCRA, consumers have the right to accurate and verifiable information on their credit reports. It is disheartening to see that despite my compliance with the dispute process and provision of supporting documentation, the inaccuracies persist. 

I urge your agency to take immediate action to investigate and rectify the disputed items on my credit report in accordance with the FCRA guidelines. Additionally, I request that you provide me with a detailed explanation of the steps taken during the investigation process and the outcome thereof. 

Furthermore, I would appreciate your assistance in ensuring that such inaccuracies do not reoccur in the future. I trust that your agency will uphold its obligations under the FCRA and work diligently to resolve this matter in a timely and satisfactory manner. 

Please find attached copies of relevant documents, including previous dispute correspondence, to facilitate the investigation process. I expect a prompt response to this dispute complaint within the statutory time frame stipulated by the FCRA. 

Thank you for your attention to this matter. I look forward to a swift resolution and the correction of the inaccuracies on my credit report.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my disappointment regarding the unresolved inaccuracies on my credit report, despite multiple previous dispute attempts. As a diligent consumer, I have consistently adhered to the procedures outlined by the Fair Credit Reporting Act ( FCRA ) in an effort to rectify these discrepancies. 

Upon reviewing my credit report, I have identified several items that contain erroneous information. Despite my repeated efforts to dispute these inaccuracies through your agency, they have not been appropriately addressed or corrected. This failure to rectify the errors has had a detrimental impact on my creditworthiness and financial well-being. 

Under the FCRA, consumers have the right to accurate and verifiable information on their credit reports. It is disheartening to see that despite my compliance with the dispute process and provision of supporting documentation, the inaccuracies persist. 

I urge your agency to take immediate action to investigate and rectify the disputed items on my credit report in accordance with the FCRA guidelines. Additionally, I request that you provide me with a detailed explanation of the steps taken during the investigation process and the outcome thereof. 

Furthermore, I would appreciate your assistance in ensuring that such inaccuracies do not reoccur in the future. I trust that your agency will uphold its obligations under the FCRA and work diligently to resolve this matter in a timely and satisfactory manner. 

Please find attached copies of relevant documents, including previous dispute correspondence, to facilitate the investigation process. I expect a prompt response to this dispute complaint within the statutory time frame stipulated by the FCRA. 

Thank you for your attention to this matter. I look forward to a swift resolution and the correction of the inaccuracies on my credit report.

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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My PayPal account XXXX was closed in XXXX due to fraud. Although the associated PayPal Credit account still remained open, I could not access it online because the only way to access it was through my PayPal account, and my PayPal account has already been closed. 

This morning ( XXXX XXXX ), I received XXXX emails saying " You have new transactions on your PayPal Credit account ''. Because I don't have access to the account, I realized immediately that these were fraud transactions. I called customer service immediately. However after XXXX phone calls to talk to different customer service agents, I am still not sure if my issues have been resolved. They communicated very badly, and every time I talked to them, they were telling me different information. To summary, I have XXXX concerns at this point : XXXX. Dispute all transactions made on XXXX XXXX, since they are all fraud transactions. 
XXXX. Close this PayPal Credit account. DO NOT open any new PayPal Credit account under my name. 
XXXX. For the credit balance on my account ( {$140.00} I believe ), send a check of this amount to my mailing address. 
XXXX. Every month, I have a {$160.00} automatically scheduled payment to my PayPal Credit account. I need to cancel this auto pay since I don't want to keep overpaying my account.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
ON XX/XX/year> I RECIEVE MY CREDIT REPORT AND SAW ACCOUNTS THAT DID NOT BELONG TO ME. I CONTACTED THE BUREAUS AND XXXX SAID THAT THEY VALIDATED THAT THE ACCOUNTS BELONG TO ME .ACCORDING TO THE LAW THEY SUPPOSED TO SEND ME THE ORIGINAL DOCUMENTS THAT OPEN UP THOSE ACCOUNTS AND THEY DIDNT BECAUSE I DIDNT OPEN THEM UP AND IAM SUFFERING FROM SOMEONE ELSE HARM.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
ON XX/XX/year> I RECIEVE MY CREDIT REPORT AND SAW ACCOUNTS THAT DID NOT BELONG TO ME. I CONTACTED THE BUREAUS AND XXXX SAID THAT THEY VALIDATED THAT THE ACCOUNTS BELONG TO ME .ACCORDING TO THE LAW THEY SUPPOSED TO SEND ME THE ORIGINAL DOCUMENTS THAT OPEN UP THOSE ACCOUNTS AND THEY DIDNT BECAUSE I DIDNT OPEN THEM UP AND IAM SUFFERING FROM SOMEONE ELSE HARM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found out that my cousin stole my identity and she opened up accounts without my permission. I have tried to get these accounts removed and it hasnt worked. I dont know what to do.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found out that my cousin stole my identity and she opened up accounts without my permission. I have tried to get these accounts removed and it hasnt worked. I dont know what to do.

Company response to consumer: Closed with non-monetary relief