vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Credit Monitoring regularly uses DARK PATTERNS to confuse and convince users to agree to their monthly payed credit monitoring service. 

Every single time you login to the platform, you are prompted to sign up for the paid membership. This screen and navigation is made to look like part of the login process, but is in fact signing you up to be charged $ XXXX/mo for their paid service tier. 

Further more, it is impossible to unsubscribe from their marketing/upsell emails because they are considered " account related '' which they are not. 

They are also gatekeeping ways of improving credit scores to consumers that are on their free tier. Experian is abusing every single consumer communication and product in its arsenal. Please do more to keep them above board and inline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: NY

Complaint narrative:
My problem is that American Express did not openly acknowledge that they changed their security features to drastically limit the gift cards usability at online stores this year. We purchased XXXX of dollars  in gift cards only to find out they have limited functionality and cant be used at a majority of online retailers. 

They should have been upfront with these security changes, but sold the cards to us with no warning of these limitations. We would have never purchased them had we known this. 

Weve purchased many Amex cards in the past without any problems in previous years. Transactions for these valid cards are being declined - yet with each attempt, Amex is happily taking XXXX per attempted transaction, even though the purchase is being declined. 

Their answer was simply to state that they are protecting my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: GA

Complaint narrative:
It has been a whole year and no relief so my issue is with XXXX, XXXX, and Experian with their reporting of a loan company, XXXX XXXX XXXX, in which each reports a 30 day late when in actuality I used their app to close the account in XXXX of XXXX. I have proof that their app was not working properly but I didn't catch it until XXXX because I noticed a XXXX charge. I will attach the email where an agent of XXXX XXXX XXXX talks about the app and guides me through the cancelation process. This was their error, not mine. I reject and am offended by XXXX, XXXX, and Experian reporting this misinformation. This seems deliberate and is hindering my rights to fair credit while I am currently seeking a mortgage and other credit. XXXX XXXX XXXX has been compensated. In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, and XXXX, XXXX, and Experian have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. This is a blatant violation of my rights to fair credit and it is overwhelming. I am tired of being denied credit and having my rights violated. As a veteran and a consumer, I should be treated fairly, as should anyone any consumer any American.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Walmart card from capital one bank and Walmart is always taking money out for Walmart  plus. Its been canceled because theyre Walmart plus XXXX  at delivering food and stuff to my house. And they never ever refund my money back or XXXX XXXX XXXX I get. This Walmart XXXX. They let my stuff at somebody house no refunds back I want to cancel my credit cards do to Walmart. I didnt give them permission to take my money off my cards. Please cancel my credit cards do to Walmart. Just tired of Walmart stealing our money saying that we have Walmart plus  they hit up all of our cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 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: WA

Complaint narrative:
My information was bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data and Experian has done nothing to help protect me either. I want all address and variations on names that are not on the attached documents of proof as well as any and all hard inquires. Please see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX I ask them to take XXXX XXXX XXXX off my report that not my address never stay at that address they told me they couldn't all they did was updated it i also I go by one name and that XXXX XXXX I ask them to remove all the other names and nothing happen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/XXXX   in the amount of {$3700.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX XXXX before in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
From : XXXX XXXX Attn : American Express RE : ADVERSE ACTION DATED XX/XX/2023 Recently, I, XXXX XXXX, was denied an extension of credit by American Express on XX/XX/2023 and XX/XX/2023, I applied for a credit card with American Express. 

As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( c ) you assume civil liability pursuant to 15 U.S. Code 1691e ( a ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the notification was sent to me XX/XX/2023 is both proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered securities fraud since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

Thank you XXXX XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: A-L FINANCIAL CORP
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I hope this email finds you well. I am writing to bring to your attention a pressing issue related to my credit history that requires immediate attention and resolution. 

Over the past two months, there has been a recurring pattern of credit inquiries made on my social security number. To my astonishment, the number of inquiries has reached an alarming level of over XXXX, and despite my persistent efforts, I have been unsuccessful in having them removed from my credit report. 

These excessive and unwarranted credit inquiries have raised serious concerns about the security of my personal information and the potential impact on my creditworthiness. It is evident that my credit profile has been subjected to unauthorized and repeated access without my consent or knowledge, which has resulted in a detrimental effect on my credit score. 

I have taken several steps to address this issue, including contacting the credit bureaus directly and submitting dispute requests to have the inquiries removed. However, each attempt has been met with frustration as the inquiries persist on my credit report, despite documentary evidence supporting my claims. 

I kindly request your intervention in this matter to rectify the situation promptly. I believe that the continuous credit inquiries and the subsequent failure to remove them are in violation of the Fair Credit Reporting Act ( FCRA ) and may also constitute identity theft or fraud. 

I have attached copies of the relevant documentation, including the credit report indicating the numerous inquiries and the correspondence with the credit bureaus. These documents provide a comprehensive overview of the issue and support my claim for urgent resolution. 

I would appreciate it if you could investigate this matter thoroughly, take appropriate action against the responsible parties, and ensure the removal of these unauthorized inquiries from my credit report. Moreover, I request that you provide me with regular updates regarding the progress of the investigation and any steps taken to address this issue. 

Thank you for your prompt attention to this matter. I trust in the CFPB 's commitment to consumer protection and fairness in the financial industry. Your assistance in resolving this credit inquiry issue would provide me with much-needed relief and restore my faith in the credit reporting system. 

Please let me know if there is any additional information or documentation required from my end. I look forward to a swift resolution to this matter

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: WA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Case number : XXXX My credit card is issued under my former name, XXXX XXXX ( Ive asking them multiple times for change it but they never did. ) XX/XX/2023 I purchased a year-long soccer program from XXXX XXXX for my daughter, XXXX XXXX , for {$450.00}. The order number is XXXX. On XX/XX/XXXX I was informed by the soccer organization that the season was cancelled and everyone would be issued a refund. I email about my refund but received no response and disputed the transaction action on XX/XX/2023. On XX/XX/2023 Capital One reassessed the {$450.00} charge and requested a receipt, signature and communications which I then provided to them. On XX/XX/2023 I received another letter from Capital One stating that what I provided was not sufficient and they considered the matter closed. I contacted XXXX who claimed they did not dispute the chargeback from Capital One that they received on XX/XX/2023 therefore I the funds should have been returned to me from Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX ( Finance ) XX/XX/2023 I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2022 in the amount of {$3700.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX XXXX before in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to {$1000.00} dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing unauthorized hard inquiries on my TransUnion credit report. I demand under the Fair Credit Reporting Act FCRA : Section 604 : 1. Permissible purpose, 2. My written authorization 3. Proof that I personally initiated this inquiry.

Under 15 USC Section 623, you have 30 days to do a reasonable inquiry to this matter.

I demand DELETION of the following unauthorized inquiries on my TransUnion consumer credit report. 

1. XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX via 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 2023-12-09 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: MO

Complaint narrative:
This company continues to manipulate my credit report but reporting false an inaccurate information on my credit report damaging my credit and my life. I send in dispute letter an proof of how they are in violation but the only thing they say an then report as the account has been verified which continues to effect my life. I have descriptions down below to show my case an for them to remove all of the inaccurate information that is reporting on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased a XXXX gift card on XX/XX/2023 at XXXX. The gift card was issued by U.S. Bank Gift Card, but U.S. Bank failed to fulfilled the amount I purchased and voided my right to access the cash account. I tried over ten times trying to resolve this issue promptly, providing all required information such as copy of my ID, the receipt of the purchase and the gift card picture by fax, but they continously refusing my documents and keep blocking my account. 

I filed one complaint with the id-XXXX on XX/XX/XXXX and provide the required document again via email as instructed from the letter sent by US Bank multiple times . And they just never responded or resolved this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I just submitted a previous claim for the XXXX data breach in which I was told by XXXX I was a victim of identity theft and my.infromation was misused illegally I also attached a form as seen below I was indeed a part of the data breach I included the items that are on my report which is harming it and was not done by my consent legally these are the hard inquires and items on my report that was fraud Credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard inquires illegally done follows. 
XXXX XXXX XXXX XXXX al XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I attempt3d too dispute these items send innletters nothing has been done by XXXX during this data breach I made multiple calls and trips too post office and filling out forms they send me and return them included these in attachment from them I was a victim of identity theft and too fill out form Please attach the inquires too my last claim I submitted I'd number XXXX for the cfpb it wouldn't let me upload another attachment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I just submitted a previous claim for the equifax data breach in which I was told by equifax I was a victim of identity theft and my.infromation was misused illegally I also attached a form as seen below I was indeed a part of the data breach I included the items that are on my report which is harming it and was not done by my consent legally these are the hard inquires and items on my report that was fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard inquires illegally done follows. 
XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempt3d too dispute these items send innletters nothing has been done by equifax during this data breach I made multiple calls and trips too post office and filling out forms they send me and return them included these in attachment from them I was a victim of identity theft and too fill out form Please attach the inquires too my last claim I submitted I'd number XXXX for the cfpb it wouldn't let me upload another attachment

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