vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: AL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The promotion says : Through XX/XX/year>, eligible cardholders will earn XXXX miles on Capital One XXXX purchases. Rewards earned will post to your account within XXXX billing cycles. 

I purchased tickets with XXXX using my Capital One card while shopping and didn't receive XXXX points. The policy was very misleading. I even talked to the supervisor and he says I dont have the terms on my account. This can't be true because it say my " XXXX ... XXXX >Rewards '' then says " Enjoy your exclusive XXXX benefits ''. The supervisor said this wasn't specific to me and couldn't find it on my account. This whole situation was a headache and was far from clear. I thought any Capital One purchases under the XXXX category would be fulfilled with the XXXX points. How can they have a whole department under a category? That is too ambiguous and must be clear. This is deceptive advertising and it displays the use of unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX account ( Account Name XXXXXXXX XXXX XXXX  Account i dont see the account number )

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 2024-11-15 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: NV

Complaint narrative:
was issued American Express ( AMEX ) gift cards over the past XXXX years. Each of these cards was not needed at the time, but now I wish to spend the money and find that all transactions using these cards are declined. Neither online spending, adding to wallet app on phone devices works. XXXX, XXXX, XXXX and XXXX XXXX have declined all requests to use these cards as payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-15 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: AL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-11-15 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:
on XX/XX/year> i sent a letter to Experian, XXXX, XXXX requesting them to remove ALL names and addresses that is not mine exact name on my driver license and non deliverable addresses. As of today XX/XX/year> it still have NOT been removed. 
**** ACCORDING TO FCRA IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION ***The Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( Experian, XXXX, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a.

Federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information provided in a consumer report, however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).

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 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: CA

Complaint narrative:
To whom it may concern, I received a debit card in the mail from the company Netspend. It was sent to my parent 's address. I have never applied for this debit card and I have never contacted Netspend before. The letter has a routing number and account number. I don't know if this is identity theft or if this is a marketing scheme. I looked on their website and emailed their customer service on XX/XX/year>. I emailed and told them the situation and asked them to close the account immediately. They replied " For security reasons, we are unable to resolve your concern through email conversation. I highly suggest that you contact our Customer Service hotline for additional assistance. '' I called the XXXX and could not reach a person to speak with. The automation had me enter the 16-digit card number to close the account. I am very concerned about the predatory behavior of this company. They should not be opening an account without my knowledge or consent.

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 2024-11-15 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: MA

Complaint narrative:
Despite multiple complaints, my credit report still reflects inaccurate accounts that are tied up in litigation. I am outraged by the lack of attention to this issue, which is seriously harming my financial standing.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal information Also known as : XXXX, XXXX, M Also known as : XXXX XXXX Also known as : XXXX, XXXXXXXX XXXX Also known as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Employer : XXXX AND XXXX Employer : XXXX XXXX XXXX Employer : XXXX XXXX Employer : XXXX XXXX XXXX Off : XXXX XXXX FIN XXXX {$5.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX  A XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXXXXXX XXXX A XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XXXX XXXX A XXXX XX/XX/XXXX {$1800.XXXX XXXX XXXXXXXX XX/XX/XXXX {$4000.00} XXXX XXXXXXXX XX/XX/XXXX {$2600.00} - Duplicate XXXX XXXXXXXX XX/XX/XXXX {$1800.00} - Duplicate XXXX XXXXXXXX XX/XX/XXXX {$3600.00} - Duplicate Late Payment : XXXX XXXX XXXX XX/XX/XXXX Credit Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Paypal Credit took in the amount of XXXX per month after the account was under dispute and I was locked out of my account on Paypal. These went on for sometime and were not approved payments. Paypal has responded to complaints thru CFPB that the lasts payment was XX/XX/XXXX then denied the statement which is 100 % true. 
The company that bought paypal credit had no information to, make these withdrawals Making it even more of a crime for what XXXX has done. These actions cost me XXXX in over draft fees in XXXX and these XXXX monthly charges went on for a long time which is against the law. The paypal agreement that I was under is the XXXX agreement. 
I never used paypal after XXXX/XXXX I demand a full refund and overdraft fees in full in the next 14 days if no payment is sent in full I will retain a attorney and sue paypal in court for thriple damages, Breach of the contract and any punative damages awarded by the jury.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: TX

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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Following the Fair Credit Reporting Act, the list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the unauthorized inquiries below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( 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 ) ( a ) 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. Please delete the unauthorized inquiries listed below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/2024, Equifax. 
Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/2024, Equifax.

Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/2024, Equifax. Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/2024, Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ECMC GROUP, INC.
State: MO

Complaint narrative:
On XX/XX/2024 I received a letter from ECMC stating that I " did not pay the full balance of your defaulted federal student loan within 60 days of the notice of default. '' I never received any correspondence from this company. I was never notified that they were my loan servicer, how to pay, or my total balance. They gave my debt to a collection agency and reported my account as delinquent and in collections to the credit agencies. How can my account be deliquent if I was never notified that ECMC was handling my student loan?

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 2024-11-15 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: NC

Complaint narrative:
I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with TransUnion, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliancewiththeFCRA.

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 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SANDY SPRING BANCORP, INC.
State: MD

Complaint narrative:
Ive attempted to contact Loan Officer, XXXX XXXX XXXX, regarding a loan application that I submitted on the XXXX of XXXX. However, my attempts have been largely ignored considering that the loan officer refuses to report the status of my application. I applied to refinance the loan on a property that I own in XXXX, Maryland. I submitted all the required documents the same day that the documents were requested, yet I havent received any indication that my application had been processed. According to Sandy Spring Banks Website Portal, my application has not been processed even though Sandy Spring Bank pulled my credit report on the XXXX of XXXX. Why was my credit report pulled when there was no intention of processing the loan? 

The loan officer intentionally refused to respond to my email inquiries until I began including XXXX XXXX in the emails. The statuses that he reported seemed fabricated considering that they did not reflect the loan status shown on Sandy Spring Banks website portal. I fear that Im being discriminated against given that there has been no communication regarding the status of my application since I last contacted XXXX XXXX XXXX and XXXX XXXX Tuesday, XX/XX/XXXX of 2024 via email. Why was my credit report pulled when there was clearly no intention of processing the loan? What specifically prevents my loan application from being processed? My application was submitted 60 days ago. Despite many attempts, there has been XXXX communication regarding the status of my application with no explanation nor justification as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I found out today that my escrow account had a balance of {$1300.00} even though I was never late on a payment. 
The PennyMac employee I talked to said it was because PennyMac estimates the insurance and when the insurance premium is greater than estimated, the difference is added to the escrow balance. 
When I stated I wanted the balance to close the escrow account I was told {$870.00} balance plus the new insurance cost of {$2300.00}. 
It appears PennyMac is padding the escrow account. 
I asked several times what interest rate was being charged on my escrow account and did not receive an answer. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Heres the updated CFPB complaint with the additional relief requests : Subject : Unauthorized Furnishing of Personal Data and False Identity Theft Report by XXXX XXXX XXXX Details of Complaint : I am submitting a complaint regarding XXXX XXXX XXXX ( XXXX ) for unauthorized distribution of my personal information to financial institutions, including American Express, and for inaccurately reporting that I was a victim of identity theft without my consent or knowledge. 

Upon discovering that XXXX XXXX was furnishing my personal data, I filed a dispute with the company to address my concerns and prevent further sharing of my information without authorization. However, rather than addressing my concerns accurately, XXXX XXXX falsely reported my information as associated with identity theft to American Express and possibly other institutions. This report led to the closure of my American Express account based on misinformation, which has harmed my financial stability and credit standing. 

I believe XXXX XXXX has acted irresponsibly by reporting inaccurate information and failing to verify the facts of my dispute before labeling it as identity theft. This constitutes a serious breach of trust, privacy, and due diligence, as well as unfair and deceptive practices under consumer protection laws. 

Unfair and Deceptive Practices Violated : Unfair and Deceptive Practices XXXX XXXX actions may constitute unfair and deceptive practices under Section 5 of the Federal Trade Commission Act, which prohibits unfair or deceptive acts or practices in or affecting commerce. By falsely reporting an identity theft claim and failing to verify the facts before submitting this report, XXXX XXXX actions are misleading, harmful to consumers, and violate 12 CFR Part 1022, which mandates accuracy and diligence in consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief