vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: OH

Complaint narrative:
I am requesting the method of verification used by Experian for disputed information on my credit report, which was previously deleted due to an identity theft report but has since been re-added. Under FCRA Sections 605B and 611 ( a ), I am entitled to detailed information on the verification process and documentation used. Despite submitting an identity theft report filed with Federal Trade Commision on XX/XX/year>, the disputed item remains on my report. I request the name, address, and telephone number of the entity contacted, a description of the verification process, documents used, and an explanation for re-adding the item. I expect compliance with FCRA laws and the removal of the disputed item if verification can not be provided.

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 2024-08-07 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: RI

Complaint narrative:
I reviewed my consumer reports, and I noticed that I had some inquiries on a bureau that I was never applied for XXXX XXXX XXXX have assumed a vital role and I have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been applied for t ( he XXXX XXXX XXXX XXXX/XXXX/2023, XXXX XXXX XXXX XX/XX/XXXX2023 and Td Auto Finance XXXX/XXXX/2022, In accordance with the Fair Credit Reporting Act, the list of accounts I already mentioned has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1581. 
DELETE THE ACCOUNT FROM MY CONSUMER REPORT TRANSUNION

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 2024-08-07 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: CA

Complaint narrative:
I received a copy of my credit report. To my Surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$1400.00} & {$2100.00}. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge 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: SC

Complaint narrative:
I received a credit alert that XXXX of my accounts was over the limit. It is a paypal credit card., with Synchrony Bank XXXX I do not recall that I have a XXXX credit card but they stated it was opened XX/XX/year> but they will not provide me with any documentation. The card was used and they denied my fraud claim saying since I opened the account it had to be me using it. But I have never received a statement from them email or mail. I have requested information about the charges, and they say they can not give me that, I don't have the account number, when the purchase was made, if there was a delivery address where anything was shipped to. In the meantime, the charges have gone from XXXX to XXXX. I had requested the account to be closed, in XXXX which they did but then they opened another which of course increased the balance owing. Synchrony went on to close XXXX other accounts with them that I have saying I was now a credit risk. My credit score has gone from mid XXXX 's to XXXX. I have impeccable credit ; all my bills are paid on time, and this is severely affecting my credit. There is no reason I would create a balance of this amount and then deny that it is mine. I certainly have enough credit that I would have used XXXX of my open accounts. I feel that I am very victimized. I h ave frozen my credit reports, filed fraud claims, and am in the process of filing a police 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 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/24 XXXX came out of my account twice. I called Chase and told the person my rent was only supposed to come out once. It was explained to me I could contact the company that rent was paid through or do a stop payment and be charged XXXX XXXX The rent was paid via XXXX XXXX and they have a chat system no phone number and the chat system doesnt work well, you can only see half of the chat screen. I asked for the stop payment and was charged a XXXX $ fee. It is now XX/XX/24 and my checking account is still XXXX $ as chase failed to stop both payments ( they said they couldnt stop XXXX it had to be both ). XX/XX/24 called XXXXhase multiple times and spoke to countless people. I was told I could not get the XXXX $ stop payment fee back. I was told the money never left my account. I was told I guarantee you the money will be back in your account by XXXX EST. XX/XX/24 I called chase a good 3 times for a total of XXXX hours and spoke to XXXX different people. Today I at least was given the XXXX $ back for the stop payment that was never stopped. I was told by XXXX lady that she couldnt find any of the transactions I was referring to. I was told that I cant do a stop payment on a fee??? Not sure what she was smoking. I was told because the payments went through I now how to file a claim, there will be an investigation and I MIGHT get my money back in XXXX business days. Ive been without any money since XXXX. Ive spent all of my free time on the phone with chase trying to resolve this ( prior to the payment going through and after the payment ). And none of them seem competent at their jobs. This is isnt funny, its not cute, I need my money back now. There is nothing to investigate. It came out of my account, its a duplicate charge. I called and requested a stop payment and chase messed that up. So why am I having to wait out an investigation because chase cant execute a stop payment? I want them to now pay my interest rate Im racking up on my credit card and all the lovely late fees Ive been getting for bills linked to this account that arent getting paid. Fair is fair right? Worst customer service I have ever encountered. My favorite part is how from person to person they cant figure out if Im being charged over draft fees. Again all overdraft fees need to be returned as well. I dont over draft my account. Ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: Kikoff Inc.
State: CO

Complaint narrative:
I was looking at the information on kickoff and was debating whether or not to use it ... .I never finished the application. They are now saying I'm delinquent and my credit score is impacted. I filed a dispute but it was denied. I want justice!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: AR

Complaint narrative:
I am writing to formally dispute the reporting of a XXXX XXXX XXXX account ( # XXXX ) on my Experian credit report. This account has been transferred to another lender without my knowledge or consent, which constitutes a breach of my privacy and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of this account from my credit report and request a thorough investigation into this matter. 

Issue Identified The XXXX XXXX XXXX account listed on my Experian credit report was transferred to another lender without my consent. I did not authorize this transfer, nor did I receive any notification or consent to this action. 

Violations and Impact The unauthorized transfer of this account and its continued reporting on my credit report violate my rights under the FCRA. This unauthorized action has caused confusion and concern regarding the handling of my financial information. The presence of this account may also negatively impact my credit profile and overall financial standing.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The reporting of an unauthorized transfer violates this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

4. Right to Privacy : The unauthorized transfer of my account without my consent constitutes a breach of my privacy rights, including the protection of sensitive information from unauthorized disclosure.

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 2024-08-07 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: IL

Complaint narrative:
I seek your assistance in addressing the inaccurate account listed on my credit report. This issue has been raised because the erroneous information is harming my reputation, and I urgently need your help to rectify it.

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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XX/XX/XXXX I opened a Capital One Bank secured Master Card. I opened this account following their offer solicitation to me. They offered me XXXX with the option of my increasing that secured card deposit by up to XXXX which I did, thereby resulting in a secured credit line of XXXX. According to that offer and my understanding was that after maintaining on time payments and keeping my credit card account in good standing, that account will evolve into a unsecured account with the returning of my security deposit. After waiting more then one year and fulfilling the terms of agreement like on time payment history and keeping my account in good standing, I questioned that bank customer service as to why was I still a secured card, I was told that they do not have to transition my credit card into a unsecured card and that my prior unsecured card account holder experience with them had nothing to do with it. Please note that I was a previous Capital One unsecured credit card holder from XXXX thru XXXX, more then 10 years ago. It appears to me clearly that Capital One is evaluating my credit worthiness with them based on XXXX XXXX XXXX stale information which should have no bearing due to the that elapse of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681, Section 602, I have the right to privacy. Additionally, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), specifies that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, pursuant to 15 U.S.C. 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit account as late for any purpose.

These violations have adversely affected my credit report and my rights as a consumer. I request immediate rectification of these issues and appropriate actions to prevent future occurrences.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date XXXX, XXXX. I'm now requesting you investigate this account and updates this payment to be paid on time immediately. Thank you for understanding and prompt actions.

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 2024-08-07 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: DC

Complaint narrative:
Privacy and Confidentiality under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : No consumer reporting agency XXXX 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 XXXX years. XXXX U.S.C XXXX ( A ) ( XXXX ) 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. Account needs to be removed from report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: FL

Complaint narrative:
XXXX, XXXX and experian, Has done a half job Dealing with my Truist account Which still holds a negative remark that XXXX late 30 days which Truist, nor XXXX nor experian nor XXXX has provided Late payment history proof with Truist account that Ive been paying as a good consumer with great payment history, XXXX, experian and XXXX defrauded me and lowered my XXXX XXXX defamed my character for these XXXX day past due remarks Thats plummeting my XXXX XXXX and credit worthiness XXXX, XXXX and experian has also never provided me notice of dispute for my last dispute put in XX/XX/year> Which is illegal as well and XXXX will to escalate this case for XXXX, experian and XXXX defaming my character and credit worthiness

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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX 2024, I purchased a pair of shoes from XXXX. Unfortunately, the shoes were too large, so I initiated a return. XXXX provided a return shipping label, and I used this label to send the item back. However, XXXX, the XXXX, ceased updating the tracking information during its return journey. 

Despite my efforts to return the item and having the complete tracking history available online, XXXX has claimed that they did not receive the returned item. Additionally, my bank ( WELLS FARGO ) has refused to assist with the dispute and will not issue a credit back to my account. This situation has left me with no resolution, and I urgently need assistance to rectify this issue. 

my dispute id is 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 2024-08-07 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: AR

Complaint narrative:
I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX ( # XXXX ) on my credit reports. This account was opened as a result of identity theft, without my knowledge or consent. I demand the immediate removal of this account from my credit reports and request a thorough investigation into this matter, as well as appropriate compensation for the damages caused. 

Issue Identified XXXX  XXXX XXXX account reporting on my credit reports is not mine. It was fraudulently opened due to identity theft. I did not authorize any transactions or communications with XXXX XXXX, nor did I receive any services or products associated with this account. 

Violations and Impact The presence of this fraudulent account on my credit reports violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit profile. The unauthorized account negatively impacts my XXXX XXXX and overall financial standing, potentially leading to denials of credit and other financial services. 

Applicable Laws and Regulations XXXX. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : This provision allows consumers to request the blocking of information resulting from identity theft. I am exercising my right under this law to request the immediate removal of the fraudulent account from my credit reports. 
XXXX. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including accounts opened as a result of identity theft. 
XXXX. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this fraudulent account violates this requirement. 
XXXX. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or resulting from identity theft.

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 2024-08-07 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: VA

Complaint narrative:
CFPB, Never lived at this address. Address circled in red needs to be removed.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Representative XXXX Subject : Verification of Identity and Resolution of Third-Party Access Issue I am writing to provide the necessary documents for verifying my identity and to address a concern regarding third-party access to my online consumer report. 

Enclosed, you will find copies of the following documents : State-issued driver 's license Social Security card Recent utility bill I kindly request that you review these documents and take appropriate action to resolve the issue of third-party access to my online consumer report. 
while It is important to me that my personal information is protected, I appreciate your prompt attention to this matter. 

If you require any additional information or have further questions, please do not hesitate to contact me at XXXX or via phone at XXXX. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Comerica
State: CA

Complaint narrative:
I am filing a complaint regarding Direct Express and my inability to access my XXXX XXXX funds. On XXXX XXXX, 2024. I received a direct deposit from Social Security to my Direct Express account. The XXXX XXXX XXXX has confirmed that the funds were sent to my account. However, when I attempt to use my Direct Express card, I'm told that my card/account is invalid. This is my only card with Direct Express. 
I have contacted Direct Express customer service on a daily basis from XX/XX/XXXX, up until today XX/XX/XXXX. But they have been unable to resolve the issue, only saying my account is invalid. But i have been receiving deposits to this specific account with no issues prior to XX/XX/XXXX. 

This situation has left me without access to my necessary funds, and is preventing me from purchasing meals. 

I am requesting that the CFPB investigate this matter and assist in resolving it promptly. I need immediate access to my XXXX XXXX benefits, which are my primary source of income.

Company response to consumer: Closed with explanation