vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: TN

Complaint narrative:
I disputed multiple accounts with EXPERIAN for inaccuracy. The accounts came out of dispute and as it stands, remain inaccurate. These accounts are in violation of 15 USC 1681e ( b ) FCRA because the existing inaccuracies in my consumer report does not align with compliance when the Fair Credit Reporting Act tells consumer reporting agencies to ensure maximum possible accuracy. The reporting of the accounts also does not align with Metro 2 formatting when the information was reported. The existence of the accounts is ruining the integrity of my consumer report and my credit worthiness.

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 2024-04-30 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX card fraudulently opened on XX/XX/24. Discovered when a bill was received on XX/XX/24. Credit freezes and disputes placed with three credit reporting agencies. Will file a police report and credit company on XX/XX/24.

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 2024-04-29 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: Chime Financial Inc
State: CO

Complaint narrative:
Someone opened up a chime secured credit card in my name through a link via XXXX XXXX through a referral campaign with XXXX. On XX/XX/year>. This was not me. I believe that this secured account was used to fraudulently move money starting XX/XX/year>, and continuing through possibly XXXX. Theres something called move my pay in the app and because of malware that was installed on my phone hackers were able to get into all of my accounts and figured out a way to email Almost invisible. I asked chime for any information relating to my social security number and months later still no data from chime. Theres thousands of dollars unaccounted from my social security XXXX check. Please help me figure this out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: MI

Complaint narrative:
on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of thewrongperson.|

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|

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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Attn : Legal Department Subject : Demand for Full Accounting Disclosure and Rectification of Erroneous Reports To Whom It May Concern : Pursuant to the requirements set forth by the Generally Accepted Accounting Principles ( GAAP ) and the Uniform Commercial Code ( UCC ) Section XXXX, I hereby formally demand the full, accurate, complete and transparent comprehensive accounting of the T-balance ledger for the account associated with my source data held with your company and/or any of its affiliates. This request encompasses records of all debits and credits associated with my account, along with detailed documentation of any and all securities connected to the account, including the CUSIP number ( XXXX ). It has come to my attention that the accounts receivables linked to my profile/account with your company have been converted, transferred and conveyed to a trust as an asset-backed security, and pledged as collateral for cash and beneficial interest per your company 's XXXX, XXXX, XXXX and XXXX Prospectus reports filed with the Securities and Exchange Commission ( SEC ), which American Express openly admits . This trust has subsequently pledged these assets as collateral and sold them for cash and beneficial interest. Given these transactions, it is imperative that I receive full transparency regarding these activities as they directly impact my financial standing. Furthermore, I want to inform you that your companys Legal Department, Board of Directors, and Executive Team have previously been served with legal documents concerning the aforementioned account. This correspondence serves as a reaffirmation of the legal scrutiny currently surrounding the management of my account. I must also insist that any and all fraudulent or erroneous reporting of my account details to consumer reporting agencies be immediately retracted, suppressed, and correctly updated to reflect current and good standing in perpetuity. The continuous dissemination of incorrect data is not only defamatory but also inflicts emotional distress and numerous other personal injuries. The sustained inaccuracies in reporting are contributing to ongoing damage to my character and personal reputation. Please consider this letter as a formal demand for immediate corrective action. Failure to comply with this request will compel me to pursue further legal action to protect my interests. I expect a response to this demand by fifteen ( XXXX ) days from the receipt of this complaint, confirming that the necessary documentation and corrections will be provided. Your prompt attention to this matter is not only expected but required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On my XXXX credit card statement there was a charge from XXXX for {$120.00}. I had only had this card since XXXX and I paid it off every month so there was XXXX balance. I called to ask about the charge for XXXX on the XXXX bill, and they said there was a glitch in their system and it should come off on its own. I paid what I had actually owed, which was {$180.00}, and the remaining {$120.00} I was instructed not to pay because of the glitch. Ive called back every few weeks and at first they kept telling me that it takes a few weeks for it to correct itself. They told me to wait and not to pay it. Then it hit my credit report. Every time I call they hang up on me. Each time they say yes I can see what youre saying, Im so sorry, yes dont pay it, Ill transfer you and then they disconnect me. The last XXXX times Ive called they now say its fraud because they wont even tell me what was purchased or could provide an invoice of what was purchased. I know it wasnt me that made the purchase because I pay it off every month, I only had it for 4 months, and it is very clear and obvious that there is a charge from XXXX in the XXXX bill. I have reported this company to the XXXX. I will try and call back the XXXX credit card people again but this company/bank should not be allowed to do this to people. They are horrible company.

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 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
PayPal credited my debit account for XXXX transactions that PayPal had already deemed to be unauthorized. PayPal then reversed their decision without explanation or justification and for which our my debit account into a negative balance of {$31.00}. I disputed this with PayPal and their response was that my dispute was a duplicate and refused to address my dispute any further. PayPal has since turned this understudied debt over to a collector named XXXX XXXX XXXX XXXX. XXXX register to address my account because they do not '' own the debt anymore '' and the collection agency refuses to address my issue also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: WV

Complaint narrative:
I had opened up a Military Star Card in XX/XX/XXXX. My last payment was XX/XX/XXXX. The Army and Air Force Exchange service contracted XXXX collection. They sent my account to the XXXX service. Through the XXXX service they collected XXXX in XXXX and XXXX in XXXX tax refunds. They have been garnishing my social security benefits for over a year and a half. This debt is not enforceable under both state and federal laws of the debt collection acts. Also the interest rates are incorrect due to them adding a higher rate than what was agreed to. This debt has been paid for and I have been over charged.

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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/year> I received a XXXX XXXX XXXX XXXX card from Bank of America that I did not apply for nor request in any way. I called Bank of America this same day and requested that BOA cancel this account and pull it from my credit report. The person I talked said she would cancel the card and issue a fraud alert on the account, but that I would need to contact the credit reporting companies myself. She also told me the card was issued on XX/XX/year>. I asked her for a confirmation number for this call and all she could give me was " XXXX in Arkansas ''.

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 2024-04-29 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: TX

Complaint narrative:
I am writing to lodge a formal complaint regarding the recent investigation results provided by Experian. Upon reviewing the findings, I have identified several discrepancies and failures to adequately investigate and re-investigate inaccuracies and errors in my credit report. 

As such, I demand immediate action in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.

First and foremost, I have serious concerns regarding the veracity of the investigation process. Despite claims of re-investigation, key questions remain unanswered. What specific updates or modifications were made to my accounts? Were they genuinely re-investigated, and if so, why do significant disparities persist, such as discrepancies in open dates and last activity dates compared to other credit bureaus? 

Furthermore, I have identified several accounts that continue to contain inaccuracies despite the purported investigation. Therefore, in accordance with my rights under the FCRA, I demand the immediate deletion of the following accounts from my credit report : XXXX. XXXX XXXX XXXX - XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s- XXXX XXXX XXXX XXXX XXXX XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s- XXXX. XXXX XXXX XXXX XXXXXXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681sXXXX XXXX. XXXX XXXX XXXX - XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s- XXXX. XXXX XXXX XXXX XXXX XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e XXXX b ), and 15 USC 1681- XXXX. XXXX XXXX - XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681sXXXX XXXX. XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete these accounts from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-

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 2024-04-30 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies.

Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences.

However, to my dismay, these disputes have not been duly noted as required by law.

Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.

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 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
This debt was fraudulent and I requested information many times and they refused. I received many threatening phone calls and they wont stop. 
I have tried to dispute it online but get no response. After looking up a specific law " 15 usc 1692c ( c ) '' I believe this should be removed from my credit report as they have not responded to requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: FL

Complaint narrative:
Transunion, XXXX, & XXXX continue to report incorrect information on my conaumer file. There are several names and address listed that are not mine and I have NEVER lived there. Consumer agencies are required to report accurate information or it is a violation of the Fair Credit Reporting Act ( FCRA ). 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-04-29 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: Westlake Services, LLC
State: CA

Complaint narrative:
Hello I have seen inquiries in my credit report that I do not recognize I did not give my permission to those lenders to run my credit All those inquiries not belong to any existing product I have. 

Under the federal law I have the right to ask for deletion Inquiries appears on my XXXX credit report XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. Nowcom west lake financ XX/XX/XXXX XXXX. Nowcom west lake financ XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My PayPal account XXXX was closed in XXXX due to fraud. Although the associated XXXX XXXX account still remained open, I could not access it online because the only way to access it was through my PayPal account, and my PayPal account has already been closed. 

This morning ( XXXX XXXX ), I received XXXX emails saying " You have new transactions on your PayPal Credit account ''. Because I don't have access to the account, I realized immediately that these were fraud transactions. I called customer service immediately. However after XXXX phone calls to talk to different customer service agents, I am still not sure if my issues have been resolved. They communicated very badly, and every time I talked to them, they were telling me different information. To summary, I have XXXX concerns at this point : XXXX. Dispute all transactions made on XXXX XXXX, since they are all fraud transactions. 
XXXX. Close this PayPal Credit account. DO NOT open any new PayPal Credit account under my name. 
XXXX. For the credit balance on my account ( {$140.00} I believe ), send a check of this amount to my mailing address. 
XXXX. Every month, I have a {$160.00} automatically scheduled payment to my PayPal Credit account. I need to cancel this auto pay since I don't want to keep overpaying my 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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi cards is refusing to credit and close my account after they cashed my cashiers check for XXXX. Two days after cashing my check for the account the company then asked for a payment of XXXX and charged me for fees and interest. I told them this is unethical practices. 

Citi cards reconciled the check on XX/XX/XXXX and they still had not credit my account on XX/XX/XXXX. 

On Saturday, XX/XX/XXXX I called while I was in the bank to make sure I had all the correct information. The bank then printed out the screen that had the reconciled date on it and the image of the check. I am at work and can not add that currently but will be able to do so later tonigh. 

They still have not credit my account and it has been 7 days since the company cashed my cashiers check.

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