vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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: Blackhawk Network Holdings Inc.
State: CO

Complaint narrative:
{$250.00} XXXX XXXX XXXXXXXX purchased on XX/XX/XXXX and issued from XXXX XXXX California. On XX/XX/XXXX the card was activated over the phone. Card states " Good thru XX/XX/XXXX ''. On XX/XX/XXXX attempted to use the card and it was declined. On the same day, called the issuer to understand the problem. Issuer stated the card was expired. I advised issuer the Credit CARD XXXX of XXXX prohibits the sale general-use prepaid cards that expire sooner than 5 years after the date of issuance. Issuer told me too bad, file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX and I need my claim to be reopen and investigate again and dispute status change to fraudulent unauthorized because I didnt authorized the payments or never requested yall to withdraw my claims so it need to be reopen and investigation again and change to fraudulent unauthorized I didnt do the payments and the claim number is XXXX and pictures are attached below please look at them below etc My name is XXXX XXXX XXXX  and contact me at XXXX etc.

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 2024-09-21 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I visited a Chase branch at XXXX XXXX XXXX, XXXX, CO on XX/XX/XXXX at around XXXX to get something done. Then, the branch person I was talking to, whose name is XXXX, asked me if I want to upgrade my credit card. I had a Chase XXXX XXXX and knew that I would be automatically upgraded to Freedom Unlimited after one year upon staying in a good standing, so I thought he meant it was possible to proceed with the upgrade without waiting for a year. I expected the process to be something different from applying for a new credit card. 

However, the morning of XX/XX/XXXX I received a letter stating that my new application for XXXX XXXX XXXX was denied, and that was when I realized the application he worked on yesterday was the very same thing. I was confused and shocked because I thought my upgrade was already secured and I thought XXXX simply proceeded with the necessary steps, not a whole new credit card application. I even wondered if he was aware of Chases offer of automatic upgrade from XXXX XXXX XXXX  If he knew that, he could have added an question to avoid my confusion, such as I know your automatic upgrade is coming in a few months, but would you like to apply for Unlimited rather than waiting? In that case, I would have realized what he was trying to do and I could have said no. 

Since it is a weekend, Im still unable to call the Chases customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: NV

Complaint narrative:
I was hospitalized and have paid all necessary co-payments and this was covered completely by my insurance This company, nor the hospital ever contacted me regarding any outstanding past due amounts. 

These fees are outrageous This is damaging to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I requested debt validation however it has never been provided to me by the collector. Also, a purchase agreement between the original creditor and the debt collector has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: MD

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/year> SS : XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from XXXX XXXX acct XXXX XXXX {$78.00}, XXXX XXXX XXXX acct XXXX XXXX {$10000.00}, XXXX acct XXXX XXXX {$5900.00}, XXXX acct XXXX XXXX {$4800.00}, XXXX acct XXXX XXXX {$1100.00}, XXXX XXXX XXXX acct XXXX bal {$1800.00}, XXXX XXXX XXXX acct XXXX XXXX {$1300.00}, XXXX XXXX XXXX acct XXXX XXXX {$1800.00}, XXXX ( inquiry ), XXXX XXXX XXXX ( inquiry ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( inquiry ), XXXX XXXX XXXX XXXX XXXX ), XXXX ( XXXX ), XXXX XXXX ( inquiry ), XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ( inquiry XXXX XXXX XXXX XXXX ( inquiry ), XXXXXXXX XXXX  ( inquiry ), and XXXX XXXX ( inquiry ). 

These accounts have resulted in serval hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being mentioned by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-21 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: MO

Complaint narrative:
On XX/XX/XXXX I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$690.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$1100.00} Terms - On record until XXXX XXXX Payment history XXXX XXXX XXXX XXXX XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX XXXX CO CO CO XXXX XXXX CO CO XXXX XXXX CO CO CO XXXX CO CO CO Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days CO Charge off Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX This account is scheduled to continue on record until 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 2024-09-21 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally complain about the unethical practices of Venmo, which have severely impacted my financial situation and wellbeing. 

Recently, my mother sent me {$70.00} through Venmo to assist with essential expenses, as I am currently experiencing homelessness and seeking resources through county assistance. Unfortunately, I was unable to access this money. Despite creating a debit card linked to my Venmo account, I encountered multiple issues that prevented me from using it for basic needs, such as purchasing food or gas. 

When I attempted to link my Venmo account to other payment methods, I was met with continuous errors. My attempts to contact customer service through their chat function were frustrating and unhelpful, as the automated responses did not address my concerns. I have numerous screenshots documenting these interactions. 

This is not my first negative experience with Venmo. After being a victim of hacking earlier this year, I deactivated my original account. However, despite my request for complete account deletion, Venmo reactivated my account without my consent, demonstrating a troubling lack of understanding and care regarding potential fraud. 

In creating a new account with a new phone number, I encountered further issues. My account was suspended due to identity verification problems, locking away funds that I depend on for survival. Despite providing the necessary information, I have been told that it will take 5-6 days for a decision to be made, leaving me without access to critical financial resources. 

The way Venmo handles customer service and account management is deeply concerning. Their negligence in addressing issues related to identity verification and fraud prevention is alarming, especially given the critical nature of these services for individuals in vulnerable situations. 

I urge the CFPB to investigate these practices and hold Venmo accountable for their failure to support customers effectively. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
**Subject : Demand for Removal of Incorrect Bankruptcy Public Record from Experian and FICO** Dear CFPB Complaint Department, I am writing to demand the **immediate removal** of a bankruptcy public record that has been **incorrectly reported** by Experian and FICO. XXXX and XXXX have already complied with my previous requests to remove this erroneous record, but Experian and FICO have not, resulting in discrepancies across credit scores. As a consumer, I expect all credit bureaus ' scores and data to match, which they currently do not. 

In addition to the inaccurate bankruptcy record, I have noticed numerous **non-mailable addresses** and **outdated companies** still reporting negatively on my credit file, which should not be the case. Credit reports are intended to assess **creditworthiness**, and I have explicitly opted out of all transaction data usage with all companies. Furthermore, I have **revoked permission** for any third-party companies to report on my credit profile. 

I am asking the CFPB to contact **all companies involved** in these inaccuracies and to enforce my rights under the **Fair Credit Reporting Act ( FCRA ) **. Specifically, under **15 U.S.C. 1681c ( a ) **, any negative information that is either **inaccurate or outdated** can not be used against the consumer in determining or denying credit.

It is also important to note that both the **Bankruptcy Court of Delaware** and the **Bankruptcy Court of Colorado** have confirmed that they do not report to any credit bureaus. Any third party reporting this information without my written consent is committing fraud. As such, all reporting agencies, including **LexisNexis** , must remove any public record information, including **court records, property records, registrations** , and **credit usage transactions**, unless explicitly authorized by me in writing. 

As a consumer, I am entitled to **accurate credit reporting** and demand a score of XXXX across all bureaus**. Given that this bankruptcy record was incorrectly reportedand potentially fraudulentlyI am requesting its immediate removal by **all bureaus** that have ever reported it. This incorrect record has caused significant harm to my creditworthiness, specifically resulting in my recent **denial of credit** from XXXX XXXX XXXX XXXX XXXX, XXXX. 

In addition, I seek **compensation** for the negative impact this has had on my ability to obtain credit from XXXX to the present**. 

Thank you for your prompt attention to this serious matter. 

Sincerely, *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 2024-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: WI

Complaint narrative:
In late XX/XX/XXXX, I received and deposited a check from Regional Finance via mobile deposit, under the assumption it was a legitimate financial instrument. There was no clear, unequivocal disclosure that this check represented a loan agreement, as is required under Truth in Lending Act ( 15 U.S.C. 1601 ) and Regulation Z, which mandates that creditors must fully disclose the terms of credit transactions in a clear and conspicuous manner. 

Despite my lack of explicit consent to any loan agreement, Regional Finance deceptively construed my deposit as agreement to their terms. The Uniform Commercial Code ( UCC 3-302 ) clearly stipulates that a negotiable instrument, such as a check, must be presented with all pertinent terms visible and understandable, which was not done in this case. This failure to clearly disclose the nature of the check constitutes a violation of UCC Article 3 concerning negotiable instruments, and further, a failure under UCC 3-305, which protects consumers against the enforcement of a check that was not freely and knowingly agreed to. 

From XX/XX/XXXX onwards, I was subjected to daily harassment from Regional Finance, with multiple calls and letters demanding payment for a loan I never agreed to. 15 U.S.C. 1692d of the Fair Debt Collection Practices Act ( FDCPA ) expressly prohibits harassment or abuse in the collection of debts, which includes making repeated calls with the intent to annoy, abuse, or harass. Regional Finances actions clearly violated this statute by subjecting me to unwarranted and aggressive debt collection tactics. 

When I attempted to resolve this issue with Regional Finance on XX/XX/XXXX, the assistant I spoke with was rude and dismissive, and the manager explicitly refused to speak with me. This interaction, which I recorded for documentation, is in violation of 12 CFR 1006.6 of the FDCPA, which requires that debt collectors act in a manner that is professional and respectful when contacting consumers.

Additionally, the misrepresentation of this check as a loan is actionable under 18 U.S.C. 1341, regarding mail fraud, and 18 U.S.C. 1343, regarding wire fraud. Presenting a financial instrument under false pretenses, with misleading language designed to induce consent to a loan, falls within the scope of these federal offenses. 

Finally, the failure to properly handle and disclose the reporting of this loan to credit bureaus is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). By falsely reporting this loan as a charge-off and delinquent, Regional Finance further compounded the injury done to my credit history and standing. This constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o respectively, entitling me to statutory and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: PR

Complaint narrative:
This account is closed since 2018 now is showing late payment and XXXX billing

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 2024-09-21 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: SC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
XX/XX/XXXX I went to the bank to pay off my balance and close my checking and savings accounts. I paid the overdrawn balance. The bank said my accounts were closed. Did not mention turning in my debit card, I destroyed it myself. 

XX/XX/XXXX I placed a door dash order. It had been over a year since I used this service and the card on file was an expired card from the bank I had closed the account. Not a subscription purchase. Transaction went through. I was not expecting it to go through and thought the purchase would be denied so I could enter my new payment method. 

XX/XX/XXXX I received an email from the bank saying my account was overdrawn. I called the bank and they explained that when I paid off the balance on XX/XX/XXXX they did not include the {$35.00} overdraft fee. This fee reopened my account. The one time purchase on the debit card also went through, over drawing the account. In addition to a subscription audible purchase. When I closed the account on XX/XX/XXXX there was no discussion or warning about subscription purchases reopening the account. I paid off the balance. 

XX/XX/XXXX I received a new statement balance. {$9.00} service fee reopened my checking account and now its overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: NJ

Complaint narrative:
was a victim of ID Theft. There are accounts on my Experian Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/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