vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: WI

Complaint narrative:
I have been having problems using an American Express Gift card received three years ago. I have tried using is to purchase items online with no success. My most recent attempts have cost me {$.00} off of the card 's {$50.00} total. Some online research has shown this is a common problem with the American Express Gift cards, and that American Express is unresponsive when trying to resolve the problem. 

I had tried to utilize the card several times before any transactions show in the history. However, because the card would not fully cover the purchases, and the entering of two different forms of payment was not allowed, the attempt never went through. 

XX/XX/24 ( Two Attempts ), {$50.00}, declined both times XX/XX/24 ( Two Attempts ), {$50.00}, shows two pending charges for {$.00} each, which will not allow me to purchase a {$50.00} item

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc.
State: WA

Complaint narrative:
I opened a credit builder loan with moneylion. Closed it out and was told I would receive my funds in XXXX business days. XXXX days later I still have gotten no money. Just emails telling me to wait more. The account is already off my credit report and they have been trying to take the membership fee out of the account after I canceled the credit loan. I also requested to close my checking account and was met with refusal to do so. I feel like I've been scammed and I lost money that I need.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-22 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
While checking my accounts on the XXXX XXXX app, I noticed a credit card account from what appears to be a department store. There is a current balance of {$7900.00} that does not belong to me. I am requesting an investigation into this. The account says it was opened on XX/XX/year>. Thank you. 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 2024-11-22 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: AL

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX, XXXX, XXXX Previous Address : XXXX XXXX XXXX XXXX, AL XXXX Employers : XXXX XXXX XXXX : XXXX XXXX Employers : XXXX XXXX XXXX  Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX  XX/XX/XXXX EQUIFAX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: AL

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX, XXXX, XXXX Previous Address : XXXX XXXX XXXX XXXX, AL XXXX Employers : XXXX XXXX XXXX : XXXX XXXX Employers : XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments for such a long time. This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/year>, I requested XXXXXXXX XXXX XXXX XXXX  XXXX ) to transfer funds to my XXXX bank account in XXXX. The transfer was initiated with the following details : Account Holder Name : XXXX XXXX XXXX Number : XXXX Wire Reference Number : XXXX XXXX  Account Number : XXXX Incorrect XXXX XXXX provided : XXXX ( instead of XXXX ) XXXX XXXX provided was for XXXX XXXX XXXX XXXX ( XXXX ) instead of XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX informed me that the wire transfer was completed on XX/XX/year>. However, I have not received the funds. Upon investigation, I discovered that the XXXX XXXX provided was incorrect, and the XXXX XXXX used was for XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX XXXX. By the given information atleast it should reach till XXXX XXXX XXXX and they can manually redirect to my correct account. 

I informed XXXX of the issue, and they asked me to provide the correct details to initiate the recall/return process. I shared the correct details, and then XXXX attempted the recall, but it was rejected. 

I requested XXXX to investigate and locate the funds based on the XXXX file shared by XXXX. XXXX investigated with various teams and concluded that they haven't received any funds for the shared XXXX file. XXXX claims they sent the funds, while XXXX claims they haven't received them. My money appears to be lost in between. 

Your prompt assistance in resolving this issue would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: VA

Complaint narrative:
I do not know who this collection agency is as I have never been in agreement to work with them could you please provide me evidence stating that I have signed any sort of agreement with said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: OH

Complaint narrative:
I recently viewed my credit report and noticed that there were some damages on my credit report, I have already been in breaches and I thought you were going to protect my information from there. This is defamation of my character because it is affecting my livelihood. As per 15 U.S.C. Sec. 1681i ( a ), when a consumer disputes the accuracy of information on their credit report, the credit reporting agencies are required to investigate and correct or delete any inaccurate, incomplete, or unverifiable information. The bureaus must also block information that is found to be the result of identity theft or other forms of fraud. Given the failure of the credit bureaus to adhere to these legal obligations, I request that the Consumer Financial Protection Bureau take immediate action to ensure the following : The prompt investigation and removal or blocking of the inaccurate information from my credit report.

The enforcement of the credit bureaus ' legal obligations under 15 U.S.C. Sec. 1681i ( a ) to ensure that they promptly address and resolve disputes in a timely and lawful manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I do not know who this collection agency is as I have never been in agreement to work with them could you please provide me evidence stating that I have signed any sort of agreement with said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year> I was in a XXXX trying to take money out of chime ATM. I was using the chime app, I was trying to send our rent money in the amount of {$1400.00} to my room mate. I put in her exact chime username it said sending to her and I confirmed her information when I closed the app out and went to open the app it was sent to a XXXX XXXX a person I don't know. I have requested my money back several times no response. I have filled out several disputes with chime and it has been denied twice I have a police report filled out and I am still not getting the money. Chimes supervisors several of them told me I was approved for a credit to be in my account XXXX XXXX but now I'm getting denied again I need help this was not my fault the representative even said they saw the approval to my roommate and aren't sure what happened. I need this money it's not all my money. Please help I'm really begging please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
A payment of XXXX was made on XX/XX/year> to settle the XXXX XXXX credit card account ending in XXXX. 

The settlement agreement states that after the payment was made, the creditor would be legally bound to report the account as " settled for a lesser amount '' and reflect a XXXX balance. 

According to the credit account being report on all three bureaus, the account is reflecting as closed with a balance of {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A payment of XXXX was made on XX/XX/year> to settle the XXXX XXXX credit card account ending in XXXX. 

The settlement agreement states that after the payment was made, the creditor would be legally bound to report the account as " settled for a lesser amount '' and reflect a XXXX balance. 

According to the credit account being report on all three bureaus, the account is reflecting as closed with a balance of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A payment of XXXX was made on XX/XX/year> to settle the XXXX XXXX credit card account ending in XXXX. 

The settlement agreement states that after the payment was made, the creditor would be legally bound to report the account as " settled for a lesser amount '' and reflect a XXXX balance. 

According to the credit account being report on all three bureaus, the account is reflecting as closed with a balance of {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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 was completely shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. Ive checked my report regularly, but this time, there were discrepancies that appeared out of nowhere. I even tried refreshing my browser to see if it was just a glitch, but no, the errors were still there. They didnt disappear after refreshing, which only made it worse. Now, Im asking for the documents Ive submitted to be thoroughly reviewed so I can stop worrying about this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
Byrider Finance, LLC is trying to sue me for a debt the bought in a state i don't live in and they are trying to garnish my wages for false information letter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MS

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-11-22 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: MA

Complaint narrative:
My line of credit Account number : XXXX : from XXXX XXXX, Balance is " XXXX '' Not over XXXX XXXX paid off. please see Attachment from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 explanation