vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> 2. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: MA

Complaint narrative:
Hello, I am unable to log on to my Experian online account. Each time I request a code be texted to me to log on, I do not receive the code. I am unable to request assistance through the automated phone tree ( I can never get to a person ) and I have sent several certified letters that have gone unanswered. I would really appreciate any assistance with this problem. I am unable to obtain a credit card from my bank until this is resolved. 

Best, 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 2024-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I visited a Chase branch drive-through to deposit funds into my daughter 's XXXX  account. During the transaction, the teller requested additional identification, which led to an escalation involving the branch supervisor. The interaction was handled rudely, and I felt that the staff were unnecessarily confrontational. 

On XX/XX/year>, I went to the same branch to make two withdrawals and inquire about account balances for my XXXX XXXX XXXX accounts. Despite my long-standing and responsible history with Chase, I was treated with hostility and suspicion. The teller and branch manager refused to complete my transactions, accusing me of fraud and making discriminatory remarks. As a result, all XXXX of my XXXX XXXX  accounts were abruptly closed without prior notification or adequate explanation. 

The actions taken by the bank included : On XX/XX/year>, the teller requested excessive identification and involved the supervisor, creating an unpleasant and confrontational atmosphere. 

On XX/XX/year>, I was accused of fraud, and my accounts were frozen and closed. 

I was informed that the closure of the accounts would begin on XX/XX/year>, and could take up to XXXX days, with a cashiers check to be sent to me. 

The situation has caused significant disruption to my XXXX  educational funding and considerable emotional distress for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America sent me an email about a week ago saying that the were going to link my cards, credit and debit, to a digital pay company called XXXX. I was not interested so I tried to stop it through the link in the email. There was no way to do this even though the email said that it could be done. So I called the number on on back of the card and spoke to an agent who said he would stop the linking to XXXX. I also asked why I had to contact BofA to not link, or opt out, he did not know. 
Today I got a new email saying my debit card was linked to XXXX. I again called BofA to opt-out. They did disconnect my card. 
My complaint is that in no way should I have to go through this. I did not ask for XXXX and should not have it forced down my neck. I should not have to opt-out, but should have been given the option to opt-in if I wanted the service. I have no idea what kind of personal or financial information XXXX has been given to BofA, but I don't want them having any of my information.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Credit Bureau 's Failure to Perform a Re-Inquiry of My Credit Report at XXXX XXXX XXXX 

Dear Sir/Madam : I am writing to file a formal complaint regarding a critical issue with the process for re-inquiring my credit report as required by the rules outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my XXXX XXXX XXXX account, despite my taking steps to correct this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXXE account, which has been negatively affecting my credit history. Under the Fair Credit Reporting Act, I have a right to an accurate and fair credit report. Following my dispute, the credit agency was required to conduct a new investigation into the matter and ensure that any inaccuracies are corrected immediately. 

I request the Consumer Financial Protection Bureau to urgently investigate this matter and ensure that the credit agency complies with the standards stipulated by law. I request prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit agency and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your prompt assistance in this regard. 

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 2024-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I received summon letters and tried to take care of the matter but life happened. My income taxes get intercepted because of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: TX

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT, PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, ITS HURTING MY ABILITY TO OBTAIN CREDIT.

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 2024-09-15 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: PA

Complaint narrative:
I am writing to formally file a complaint regarding inaccuracies on my credit report, which I have been unable to resolve despite my efforts. Specifically, I have noticed several hard inquiries on my credit report that I do not recognize, nor do I have any open accounts with the companies responsible for these inquiries. These inquiries are adversely affecting my credit score, and I have no knowledge of where they originated.

Furthermore, I have identified a few closed accounts on my credit report that I do not recognize. I did not open these accounts, nor have I had any prior dealings with the creditors reporting them.

I have attempted to address these issues with the credit bureaus, but they have failed to comply with the Metro 2 standards for reporting accuracy. As a result, my credit report contains erroneous information, and my rights under the Fair Credit Reporting Act ( FCRA ) have been violated.

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 2024-09-15 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: PR

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number XXXX Charge : {$3100.00} I am writing to dispute an unauthorized account on my credit report due to identity theft. My personal information was used without my authorization to open an account with XXXX XXXX XXXX. I have already disputed this account four times, informing Experian that this account does not belong to me. Despite my requests, I have only received a payment history from XXXX XXXX XXXX, which does not prove that this account belongs to me. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive documents related to this account. Therefore, I am requesting that you send me copies of all records related to the account, including but not limited to : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please consider this letter as a formal dispute of the unauthorized account. I request that you thoroughly investigate this matter and remove the fraudulent account from my credit report. Additionally, I would appreciate receiving a detailed explanation of the investigation methods used to verify the legitimacy of this 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 explanation
Consumer complaint received 2024-09-15 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). I have not initiated any transaction with your COMPANY. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with yor company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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 2024-09-16 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: NC

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want 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 explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX XXXX I asked them to send me verifiable proof they refused also they would not respond I since sent out 6 letters with no response. I ask them to delete the item from my credit profile, and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: TX

Complaint narrative:
I Authorized XXXX XXXX XXXX  ( Finance ) to obtain a copy of my credit report with TRANSUNION on XX/XX/year> as well as XXXX XXXX to obtain a Trade Line, for a new home. I was advised at no other time would a hard Inquiry be place on my report. As I view my credit report, I discovered 3 unauthorized from XXXX ( Below ). And I would like for these to be remove off my report ASAP to reflect accuracy on my report. 

XXXX XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX  Credit ( Finance ) XX/XX/year> XXXX XXXX Credit ( Finance ) XX/XX/year> Thanking you in advance for your Immediate attention, Sincerely, 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 2024-09-15 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: MA

Complaint narrative:
I am filing a formal complaint against XXXX & all credit bureaus for their mishandling of my student loan deferment request, which has resulted in significant and unwarranted damage to my credit score. On XX/XX/year>, I submitted a request to defer my student loans due to my enrollment in school, along with all required documentation. XXXX initially rejected my request, incorrectly stating that the official 's signature was missing, a mistake they later acknowledged because the officials signature indeed was there. XXXX, a loan specialist at XXXX, assured me that the forms would be reprocessed. As of XX/XX/year>, my deferment request has still not been processed, and I have experienced a drastic drop in my credit score of XXXX XXXX. My credit report shows remarks such as " Loans deferred '' and " All payments made on time, '' yet despite this positive indicator, my score has significantly decreased. Additionally, my XXXX account continues to show that I owe loan payments, which I believe is due to their failure to process my deferment. Further, I have noticed that XXXX has made 18 changes to my credit report during this period. This is an excessive and unnecessary amount of changes for a simple deferment request, and it has directly contributed to the substantial and unjustified drop in my credit score. This situation is causing me undue financial stress and impacting my creditworthiness through no fault of my own. I am requesting the CFPB 's assistance in ensuring that XXXX corrects the errors on my credit report, properly processes my deferment request, and rectifies any inaccuracies in their records that are currently harming my credit score. Thank you for your assistance in resolving this matter. Sincerely, 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 2024-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had received a payment to my Venmo account for a piece of furniture I sold to someone. About a day after I received the payment, I received an e-mail saying my account was suspended but they wouldn't give me a reason why other than that I had broken the " Terms of Agreement ''. They also stated my Venmo account was on social media platforms of mine, but I have no social media with my Venmo attached to it. I had reached out to them to try to resolve the matter, and they initially asked for my ID. So I sent it in hoping this would fix the issue. Then they sent me an automated response exactly like I received initially saying that I was banned and that the decision was final. In frustration, I closed that account and tried to open a new one. The new account was seeming to work just fine. Then I received a payment from a friend for dinner and had realized my debit card was not yet connected to the account. Once I went to put it in, my account was immediately banned yet again, and my {$90.00} is stuck in the account. I think Venmo/PayPal is not providing proper assistance to help customers who have been wrongly suspended, and also not providing them with information as to their decision. This is a service many people use and depend on for various things, and for them to revoke privileges, especially when someone is using it for what it is intended to be used for is quite frustrating and honestly wrong for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
I am writing to address a problem with unauthorized charges on my credit card. Between XX/XX/2024, and XX/XX/2024, my credit card was billed {$16.00} on multiple occasions by an app. Despite reaching out to XXXX for assistance, they have declined to issue a refund or resolve the issue. I did not approve these charges and I am seeking a prompt resolution to this matter.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX {$4400.00}, XXXX XXXX. {$83000.00}, XXXX XXXX. {$240.00}, XXXX XXXX XXXX {$21000.00}.

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 2024-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I had an old venmo account linked to my old phone number and email address ( email is now closed ). I was able to contact the person with my old number to try to get logged into my old venmo, but I couldn't contact a live person to help get me into my old account. I had somebody send money to the old account on accident and now can not access the account or money.

Company response to consumer: Closed with non-monetary relief