vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I lost my XXXX XXXX XXXX on XX/XX/XXXX On or about XX/XX/XXXX someone used my old XXXX XXXX, to purchase XXXX worth of items, I have had no contact with this account about a year in a half prior to the incident. Around XXXX XX/XX/XXXX I start receiving calls from the creditor in regards to a delinquent account with XXXX XXXX XXXX When I contacted XXXX XXXX, they launched a investigation but they have not done anything about it and now it is detrimental to my XXXX XXXX that I maintain a XXXX for the last XXXX years which is now at a XXXX. I explained to the company numerous times that I was not the purchaser and someone is using my information, I even filed a police report and disputed these items multiple times but to no avail I am still stuck with XXXX in debt. The addresses on the account look like they were switched to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I live at neither of these addresses nor have I ever been there

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 2024-07-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This is not mine. It was open fraudulently. 

It is on all XXXX  bureaus : TransUnion, XXXX, and 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 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I reported identity theft on card ending in XXXX months, years went by while I waited for credits. I do not shop at Macys. I am currently receiving statements from Macy 's on a card ending in XXXX which just started. I do not have a Macy 's Credit Card. At the same time I am receiving collection letters from XXXX XXXX XXXX XXXX regarding the same Macy 's Account. I have sent a Cease and Desist to XXXX. Macys is now sending me a form letter threatening to update my credit reports with this fraudulent account ending in XXXX. The Macys Identity Theft Claim on XXXX  needs to be closed properly.

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 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/2024 I paid my water bill {$140.00}. When I submitted it to the water company they immediately sent me a confirmation notice that the funds were on my Discover card and the payment was successful. 
Here is the confirmation # I was sent with the amt I paid the water company. 
============== " Confirmation number : XXXX -- Full amount of transaction : {$140.00} '' If there would not have been enough money to cover this bill the water company would have immediately displayed a message saying " Payment was not successful '' BUT -- - the payment was successful.

================ I checked my Discover card online thru my laptop XXXX XXXX -- As soon as I paid the water company, the {$140.00} was pending and was immediately taken out of my " Available Credit ''. 
On XX/XX/XXXX I received an email from the water company saying I was past due on my payment. When I called them the rep said Discover had declined my {$140.00} payment a few days later after they had taken that amt out of my " Available Credit '' and set it aside to pay the water bill when the water company would take it from Discover. 
================ The Discover rep said the funds were not available to pay the bill, that I was over my limit. 
They are lying. They deducted the {$140.00} from my " Available Credit '' on XX/XX/XXXX. 
On XX/XX/XXXX there was more than enough money on the card to cover the water bill, that's why the water company sent me a notice saying " XXXX was successful ''. 
================ Discover removed my {$140.00}, refused this payment to the water company after it had been set aside to pay this bill and did not put back the {$140.00} into my " Available Credit ''. 
================ In short, they are lying, they stole my money. I want it back immediately. 
In PA stealing {$140.00} is a XXXX degree misdemeanor, that carries a penalty of 2 years in prison, with a {$5000.00} fine. But this bank can steal my money and there are no criminal charges. Well, we'll see. I am going to contact the police to file a criminal complaint against them if I don't get my money back. I will also be in contact with my lawyer. 
================

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On or about XX/XX/2024, Synchrony Bank closed my Rooms to Go account and locked my access to the account 's login without prior notice or explanation. Consequently, I have not received any account statements since the account was opened, significantly impairing my ability to manage the account effectively. 

On XX/XX/2024, I discovered a {$41.00} late fee charged to my account. This charge was due to my inability to access my account online, a situation entirely caused by Synchrony Bank 's actions. Despite multiple attempts, I was unable to log in through both the mobile application and the website. Consequently, I was forced to call Synchrony Bank on my only day off during their operational hours to manually unlock the account and make the necessary payment. 

When I requested a refund of the {$41.00} late fee, Synchrony Bank declined, stating that it was not their responsibility. However, the inability to access my account, which directly led to the late fee, was due to Synchrony Bank 's decision to lock the account without notifying me. 

This series of actions by Synchrony Bank has caused undue stress and financial burden. Their refusal to acknowledge and rectify the situation is unacceptable. As a consumer, I have a right to access my account information and receive statements regularly to manage my finances responsibly. Synchrony Bank 's actions have obstructed these rights and unfairly penalized me. 

I request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Synchrony Bank. Specifically, I seek : A full refund of the {$41.00} late fee. 
Assurance that Synchrony Bank will provide timely statements and notifications regarding any changes to account status. 
Implementation of measures to prevent such occurrences in the future, ensuring that customers are not unfairly penalized due to actions taken by the bank.

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 2024-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!!

Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. 
NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

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 2024-07-13 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: NC

Complaint narrative:
Recently, I reviewed my credit report from Experian and discovered several inaccuracies that have negatively impacted my credit score and financial standing. Despite my efforts to dispute these inaccuracies, Experian has failed to correct them, thereby violating my rights under the FCRA. 

Additionally, I sent Experian a letter specifying that the only address that should be on my consumer report is XXXX XXXX  XXXX XXXX, XXXX, NC, XXXX, and the only name that I have is XXXX XXXX. However, Experian has continued to report incorrect addresses and variations of my name. 

Relevant Law 15 U.S.C. 1681e ( b ) : Accuracy of Report : This section of the FCRA mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My Complaint : Furnishing of Inaccurate Information : Experian has furnished inaccurate information on my credit report, including incorrect addresses and name variations, which has adversely affected my credit score and financial standing. 

Failure to Correct Inaccuracies : Despite my disputes and provision of evidence, Experian has failed to correct the inaccuracies on my credit report, violating 15 U.S.C. 1681e ( b ). 

Non-compliance with Specific Instructions : Experian has not complied with my request to only list XXXX XXXX  XXXX XXXX, XXXX, NC, XXXX as my address and XXXX XXXX as my name.

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 2024-07-13 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: CA

Complaint narrative:
I received an Amex Gift Card. I have a valid balance of {$500.00}. ( downloaded ) American Express advertises ( downloaded ) that the gift card can be used virtually anywhere. 

I attempted to use it at XXXX of the major retailers in the XXXX XXXX and XXXX. It was refused. 

I called American Express. They said they put the card on hold because there records showed I tried to use it at XXXX and XXXX, and the card can not be used there. They sent me a replacement card ( downloaded ) I would like to have American Express send me a check for the {$500.00} balance, as I can not use it at XXXX of the largest retailers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-13 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: PR

Complaint narrative:
I recently review a copy of my credit report and noticed I have fraudulent account on my report. 
Please removed this account from my report, it is hurting my ability to obtain credit. 

A report was submitted the FTC. reference number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX has violate my rights 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.

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 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
I signed up for the delta airlines American express reserve card. One of the reasons I signed up for the card was because they had a bonus miles promotion. Spend {$6000.00} in 6 months and get XXXX miles on your delta account. When I got the card I was out of town and there was no option to send it to my current address. As soon as I was approved I called and told the customer service rep this and they said there was nothing they could do for me now but they gave me the temporary card numbers and said I could use those numbers until I was home. That sounded good to me. A day later I tried to order stuff online with those numbers and it was declined. The customer service rep said that purchase was not allowed for a temporary card but couldn't tell me what was allowed. 

Super frustrating to have a card that you have to use to get the bonus but can't actually use. They won't send me a new one at my current residence. Ridiculous. Will probably cancel this card after 1 year. Customer service seems terrible on a card that costs {$600.00} to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is not my debt. It is identity theft. I never authorized anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
I reported identity theft on card ending in XXXX, months, years went by while I waited for credits. I do not shop at XXXX. I am currently receiving statements from XXXX 's on a card ending in XXXX which just started. I do not have a XXXX XXXX XXXX XXXX. At the same time I am receiving collection letters from United Collection Bureau Inc. regarding the same XXXX XXXX Account. I have sent a Cease and Desist to United. XXXX is now sending me a form letter threatening to update my credit reports with this fraudulent account ending in XXXX. The XXXX Identity Theft Claim on XXXX  needs to be closed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
NONE OF YOUR LINKS APPLY TO MY SITUATION - NONE. 
STATE OF NEVADA XXXX XXXX XXXX  PROHIBITS A COLLECTION AGENCY FROM FILING ON XXXX - READ IT. They have NOT TO THIS DATE ever SENT me a BILL they JUST AUTOMATICALLY FILED ON MY CREDIT REPORT. I AM A XXXX  CITIZEN XXXX - and am XXXX  now ( Since XXXX ) LIVING OUT OF MY CAR IN XXXX DEGREE WEATHER. After needing to move from a XXXX STORY I LIVED IN for 14 YEARS - MOVING TO A SINGLE STORY because of having problems WITH MY XXXX prior XXXX XXXX and at THE LAST MINUTE they RERAN MY CREDIT REPORT TO FIND this XXXX XXXX XXXX had filed AND now - XXXX XXXX XXXX XXXX  WILL LET ME LEASE A HOME. I HAVE LIVED IN THIS TOWN SINCE XXXX - tell me WHY - wouldn't all credit reporting agencies FIRST verify the XXXX XXXX XXXX had done the filing properly? READ XXXX XXXX XXXX- I want to file a complaint against the XXXX credit reporting agencies. I have sent them letters all year trying to resolve. NOW, THIS has destroyed my life as I can't work without a house or car - I'm a real estate broker. The DENTIST I went to a few years. THEY never filed the claim with my insurance company and on top of that- they broke my root canal tooth in XXXX and now the whole front tooth fell out. You can verify with XXXX the dentist never billed them like they should have. I never received another bill from them nor XXXX from their collection agency. Do you realize the stress - mental and financially I am under? I have to pay XXXX storage units each month. You need someone to investigate this because I will turn this over as of XX/XX/XXXX to a law firm. This is not acceptable to do to a XXXX XXXX  or anyone for that matter. I have no family in town and they can not afford to support me. This is sad.

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 2024-07-13 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:
These credit reporting organizations have not respected my disputes and are in violation of FCRA rules. Under 15 U.S.C. Section 1681i ( 6 ). They have not supplied me with written results of their inquiry or a statement stating that the reinvestigation process has been completed. That should have been sent 5 business days after the investigation concluded. It's been almost 45 days since I voiced these concerns, and I have yet to get any such notice or comment from their agency. This is when the law, namely 15 US Code 1681i ( 6 ), comes into play, and they are required to follow it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NY

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX at some point between those dates, I realized my wallet was stolen. I came to this conclusion after not finding my wallet and then checking my bank accounts to see multiple transactions being made that I did not authorize ( transactions were made on multiple cards but this case specifically involves DISCOVER ). I went through the process of shutting down all my credit cards and spoke with each credit card 's respective bankers to solve this issue of fraud and unauthorized transactions. All the credit card companies were understanding and assisted me in recovering my cards and clearing those specific transactions. All companies except one, that company was DISCOVER. I called DISCOVER and briefed their fraud team about my situation. Initially, they understood and closed my credit card temporarily and sent a new one as well as added pending credit in the meantime. Eventually, the fraud transactions were removed and the credit was permanently given to me, until I activated the new card and the fraud transactions were reposted. I again called and the call wasn't productive I was told that their fraud team had just simply concluded that it wasn't fraud based on an XXXX address that was similar to mine given by a merchant and a reoccurring transaction/subscription. 

Overall all other credit card companies understood and were very helpful, but DISCOVER seems to be very difficult to deal with in this case and has given unreasonable justifications as to why they came to their conclusions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America illegally reported credit card debt which was XXXX in XXXX XXXX XXXX XX/XX/XXXX to the IRS as a debt owed in XXXX. I am being threatened by the IRS by way of wage levy, possession sale and other threats for this balance I do not owe. 

Bank of America stated they have no record of any debt of mine. I can not find anyone at the company to correct this matter. 

They have my former XXXX name and an address I lived at in XXXX listed on the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-07-13 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: IN

Complaint narrative:
I did not authorized for my credit to be ran through these companies. Please remove these hard remarks from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief