vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: IL

Complaint narrative:
I am providing a follow-up complaint today to update you on my ongoing case as a victim of identity theft. In accordance with FCRA Section 605b, it is mandated that Credit Reporting Agencies expunge any items listed on an identity theft report, as in my case under reference # XXXX. Enclosed are the reattached documents intended to facilitate the removal of fraudulent inquiries currently reflected on my reports. Here is the list of inquiries that do not pertain to me or were opened without my authorization : -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items in the consumer 's file that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
As a minor I had a Checking Account at USAA Bank which I continued to maintain after turning 18 years old. In XX/XX/XXXX, I closed my USAA account. Bank confirmed via email and SMS message that account was closed. 

On XX/XX/XXXX, my former employer, XXXX XXXX, sent my paycheck to my old USAA account. The paycheck was in the amount of {$250.00} As of this date USAA Bank has not sent the {$250.00} to me. On XX/XX/XXXX, I wrote to USAA, via certified mail, inquiring about my XXXX XXXX paycheck. There has been no response whatsoever from USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive disputed the erroneous information on several occasions and through a variety of platforms, including the consumer finance, protection bureau, the XXXX XXXX XXXX, my state, attorney, general office, the credit reporting bureau, and anywhere else you can think of with no resolve. I was only alerted to changes in my credit score through a third party, and although I had never once been contacted by the businesses and they have repeatedly refused to provide me a Debt Validation Letter, the incorrect information remains despite my rights according to the Fair Credit Reporting Act. Its gone to the point where now its jeopardizing my livelihood as I am gearing up to go back to work as an employee for the federal government in a finance related job. Theres a real chance they will resend their offer when they see this erroneous information that I have tried to address 1 million different ways myself with no resolve. It seems like anybody can say anything they want, and despite the consumer providing proof that the creditor is in fact wrong, the credit bureaus refuse to correct the mistake and simply take the creditors at their word without asking for a shred of evidence. These creditors are not sworn under oath, so why should they be taken at their word? And why is there no recourse despite the fact that I have asked for a debt validation, labor on several occasions, and the a lot of time frame has since passed, yet the error still remains on my credit reports. Am I really to be told that the only solution is to add a stupid statement to my credit report and hope thats enough to keep my job in finance? Thats completely unacceptable and absolutely ridiculous. If thats all the federal government had in mind as a consumers defense against fraudulent claims when they created the Fair Credit Reporting Act then they should all be ashamed of themselves. Its a joke. The whole system is a joke, and now my kids and I are going to be homeless because of it. So make sure you reply to me and tell me I need to file a dispute with the credit reporting bureaus or file something with the consumer finance protection bureau, or the business themselves, OK? Like I havent already done that 1 million times already! Who may I contact to report the business has not adhered to the rights afforded to me under the Fair Credit Reporting Act THAT WILL HOLD THEM ACCOUNTABLE? I cant afford an attorney, so Im out of options it sounds like with only ONE credit bureau removing one inaccurate credit reporting statement. And were just supposed to be OK with that as consumers? Unacceptable!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have been a CHASE XXXX Credit Card Customer since XXXX. 

This credit card features one free night every night of hotel stay at any of the XXXX XXXX  chains worldwide. Chase in-turn charges {$59.00} annual fee every year for this card.

And, the free night reward is called CHASE Free night reward. 

I have been getting rewarded consistently every anniversary year a month after annual fee getting charged to me ( Usually in XXXX every year ). 

But, lately, I have not been rewarded CHASE Free night for the year XXXX even though CHASE charged me annual fee for the card in XX/XX/XXXX. 

I have raised a complaint both with CHASE and XXXX but they both blaming each other for this situation and as a consumer I am getting impacted for not getting rewarded for CHASE free night reward. 

The card is provided to me by CHASE and the financial institution has the liability to fulfill all the terms and conditions that were agreed upon at the time of filing the credit card application in XXXX else this should be considered as CHASE following malpractices. 

The last time CHASE free night got rewarded to me was in XX/XX/XXXX and since then there has been no CHASE free night rewarded to my account. 

CHASE should return annual fee of {$59.00} charged to me in XX/XX/XXXX if they are not fulfilling the agreement of CHASE free night for the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I believe this account is a fraud. Please see attached XXXX - 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 2024-01-24 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: CA

Complaint narrative:
Ive disputed the erroneous information on several occasions and through a variety of platforms, including the consumer finance, protection bureau, the XXXX XXXX XXXX, my state, attorney, general office, the credit reporting bureau, and anywhere else you can think of with no resolve. I was only alerted to changes in my credit score through a third party, and although I had never once been contacted by the businesses and they have repeatedly refused to provide me a Debt Validation Letter, the incorrect information remains despite my rights according to the Fair Credit Reporting Act. Its gone to the point where now its jeopardizing my livelihood as I am gearing up to go back to work as an employee for the federal government in a finance related job. Theres a real chance they will resend their offer when they see this erroneous information that I have tried to address 1 million different ways myself with no resolve. It seems like anybody can say anything they want, and despite the consumer providing proof that the creditor is in fact wrong, the credit bureaus refuse to correct the mistake and simply take the creditors at their word without asking for a shred of evidence. These creditors are not sworn under oath, so why should they be taken at their word? And why is there no recourse despite the fact that I have asked for a debt validation, labor on several occasions, and the a lot of time frame has since passed, yet the error still remains on my credit reports. Am I really to be told that the only solution is to add a XXXX statement to my credit report and hope thats enough to keep my job in finance? Thats completely unacceptable and absolutely ridiculous. If thats all the federal government had in mind as a consumers defense against fraudulent claims when they created the Fair Credit Reporting Act then they should all be ashamed of themselves. Its a joke. The whole system is a joke, and now my kids and I are going to be homeless because of it. So make sure you reply to me and tell me I need to file a dispute with the credit reporting bureaus or file something with the consumer finance protection bureau, or the business themselves, OK? Like I havent already done that 1 million times already! Who may I contact to report the business has not adhered to the rights afforded to me under the Fair Credit Reporting Act THAT WILL HOLD THEM ACCOUNTABLE? I cant afford an attorney, so Im out of options it sounds like with only ONE credit bureau removing one inaccurate credit reporting statement. And were just supposed to be OK with that as consumers? Unacceptable!!

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 2024-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank intentionally uses misleading wording on their online auto-pay to trick consumers into their pay in full option, enabling increased interest/investment profit for their XXXXwo week " standard '' reimbursement period ( 10 business day ). While all Synchrony statements are " monthly statements, '' they use the term " statement balance '' in exchange for " pay in full. '' As the bulk of their business model is built around retail financing for " 0 % interest for X months '' promotions, in which the monthly " statement balance '' should be the total account balance divided by the number of months financed, the " statement balance '' option should only deduct this amount as consumers expect that their options are to pay the monthly statement balance to pay the account off within the 0 % interest period, to pay more than the statement balance to pay the account off early, or pay less than the statement balance at the risk of paying interest. However, in an effort to fabricate additional capital at the expense of the consumers, they have created their own nomenclature to promote errant registration to forego the agreed to 0 % interest period in exchange for their " pay in full '' interest income scheme. I had signed up for 0 % interest for 24 months promotion through XXXX XXXX, and then when I set up my online auto-pay through the Synchrony website, selecting to pay the monthly statement balance, they withdrew the full loan amount from my checking account, incurring an overdraft, and then said that they could not reverse the charge but would send me a check in 10 business days. I spoke to mulitiple people with customer service, and was instructed that they were unwilling to reverse the charge immediately and would only send out a check. Using this scheme, the company is able to trick consumers and hold their money for additional interest/investment income.

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 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I believe this account is a fraud XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I believe this account is a fraud XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
Since XX/XX/XXXX, I have been a victim of identity theft where accounts were fraudulently added to my credit report. Some accounts were removed and added back years later as well as new accounts being added that were opened and never reported for years. I have contacted each credit bureau with proof of police report starting XX/XX/XXXX up to the recent last police report in XX/XX/XXXX these updated accounts still showing on my credit report. As of XXXX, there are several accounts that have not been removed, and no proof of a signed signature or contract has been sent to my address. It has takes over 60 days to get a response back from these credit bureaus and the option to dispute online has been restricted.

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 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I believe this account is a fraud XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to 15 USC 1681 Responsibilities of furnishers of information to consumer reporting agencies. 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. I have reason to that XXXXXXXX XXXX  does not have my accurate personal information. I have ask XXXX and Transunion to investigate this but it has not resolved the 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 2024-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Existing child support wage execution was in effect. I am not supposed to have two garnishments simultaneously and my bank account was levied for my student aid refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: DC

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. XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.Code 1681 Section 602 A. States I have the right to privacy.

15 U.S.Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons 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.

Inaccurate information on length of account. 
Inacurrate information on payments of 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 non-monetary relief
Consumer complaint received 2024-01-24 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: DC

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. XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.Code 1681 Section 602 A. States I have the right to privacy.

15 U.S.Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons 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.

Inaccurate information on length of account.

Inacurrate information on payments of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
NMAC agreed in good faith to waive fees did not ever send lease statement recycled debt on credit report to influence my buying decision

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I dispute and demand the immediate removal of the fraudulent account from my credit report : XXXX XXXX - FRAUD, PLEASE DELETE!!! 
The bank confirmed the validity of the identity theft report, acknowledged a system error preventing record provision, and assured me of the immediate removal of the fraud account existing for over 7 years.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been trying to follow up with my information being on the dark web because of security breaches of several of my very old credit cards. Hence I froze my account years back. I am now being sued for debts I did not incur on cards I closed. 
the XXXX score system I got my credit information from today has me with 3 different names. This is NOT accurate. My name on all of my ID is XXXX XXXX XXXX. The system actually says I'm XXXX XXXX. And a XXXX XXXX Please XXXX my name to the legal status that is on my ID. This is causing me many legal problems. XXXX XXXX XXXX Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: KY

Complaint narrative:
The original company who claims I owe money for an internet router failed to provide me with the necessary shipping information to return the product and then they charged me for not returning the item, however I could not return the item without them doing their part in providing the shipping label. This is a false debt that I do not owe and even the bank agrees with this as they returned my money back to me. Now this company is aggressively trying to collect money from me and destroy my credit for something im not obligated to pay. The amount of the debt is alos increasing at an unknown rate under the guise of " fees ''

Company response to consumer: Closed with explanation