vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: NY

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. 

Account Name : XXXX XXXX Account NumberXXXX  has violated my rights. Or a list of inquiries : 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 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 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I purchased a service through Paypal. The service was never provided. I contacted Paypal for a refund, which they guarantee. They have not even allowed me to request the refund. When I try to make a formal request, they do not allow me to go forward. I have contacted them through chat ( the only way available ), and they just keep claiming without evidence ( or being factually true ) that the service provider was a friend of mine, so they don't have to refund the money. They just keep repeating this lie, and refusing to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called on XX/XX/XXXX and spoke to an agent, their supervisor and the supervisor 's supervisor. I asked for a 1099 given I received a taxable ( according to IRS rules ) account bonus in XX/XX/XXXX. Agents kept repeating that they only issue 1099 INT for interest. I said that's fine, but they should produce a 1099-MISC or some other form. Bank refuses to issue 1099s for taxable income and this is against IRS rules/regulations.

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 2024-02-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB CARD SERVICES derogatory trade. 

Violation of Fair Credit reporting act 15 USC 1681 section 602, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared. This is backed by 15 USC 6801 which states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it verbal, no non verbal, written or implied may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item that they are reporting without my permission. They are acting in violation of the law. Further 12 CFR 1016.7 states that a consumer has the right to opt out at any time. I am opting out officially and lawfully on the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: Colony Brands, Inc.
State: TX

Complaint narrative:
I received an alert that I had a hard inquiry on my XXXX credit bureau on XX/XX/year>. I checked my report and it was listed as a hard inquiry from Montgomery Ward, who I have never done business with let alone request credit. I disputed with XXXX and they say the inquiry was valid. I reported as a victim of fraud on XX/XX/year> and again was told it was legitimate. I reached out to Montgomery Ward and was told they have no record of any account in my name. No one is willing to help me resolve this inquiry that is impacting my credit. 
I have frozen all 3 bureaus to hopefully minimumize my exposure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: WA

Complaint narrative:
I attempted to open a bank account online with Key bank in XXXX and was not able to make the minimum deposit of {XXXX to open the account. The system advised that the account would not be opened and active until that {XXXX} was deposited into the account. 

I finally was able to make the XXXX deposit with a check deposit of {XXXX} on XX/XX/XXXX and then had my first direct deposit from my work of {XXXX} XX/XX/XXXX. Since I made the {XXXX} direct deposit that qualified me for the XXXX sign up bonus from the bank. When I questioned Key Bank when the bonus was they stated that I do not qualify because the account was opened in XXXX. I then advised them that the account could not have been opened because I never made the minimum XXXX} deposit to open the account until XX/XX/XXXX. I then had the issue escalated and was told that it would be looked into and I would get a call back. I never got back in touch with the supervisor and even called and left her messages with bank agents and still didnt hear anything. I reached out to them again yesterday and they explain the situation to the banker and she transferred me to her supervisor and the supervisor said that the bank account was opened in XXXX even though there was no minimum {XXXX deposit to open the account like it states all over their website. So I let them know I would be filing a complaint against them. So here we are

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
I have made multiple attempts to call the company, both before and after my income repayment plan application was rejected due to being incomplete ( XX/XX/24, several months after applying ), despite following all the steps on their website and not receiving further details on what is needed. On several attempts, the line is just closed due to high volume and a message has said to go the website. This has also been frustrating because the amount of debt I owe on my credit report has shown as double the amount ; I assume this is because when it was transferred from XXXX to Mohela, it was never removed from XXXX books. On my last attempt to call the company, after 40 minutes I was told I would need to wait another 40 or more minutes to speak to someone who could maybe help. I was put through to a voicemail and requested that they email me to set up a time when I can get my questions answered. They failed to do so. Instead, I received a random phone call a day later where the caller said nothing, and I later verified on XXXX that it was a Mohela number. The customer service hours do not work for adults who need to do anything else during normal business hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep frustration and distress regarding the inaccuracies found on my recent credit report. Following a thorough investigation, I uncovered numerous unverifiable, invalidated, inaccurate, and questionable items that your agency has failed to report accurately. 

These errors have had a profound impact on my financial stability and XXXXXXXX XXXX, causing severe distress and frustration. It is unacceptable that your agency did not ensure the 100 % accuracy mandated by law under the Fair Credit Reporting Act. 

I demand immediate action to rectify these inaccuracies. Your agency must conduct a thorough review of the disputed items and promptly correct any errors found. Failure to address this matter with urgency will leave me with no choice but to pursue legal action to seek restitution for the damages caused by your negligence. 

I expect a prompt response detailing the steps taken to address the inaccuracies on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: MD

Complaint narrative:
I am writing to formally dispute the collection account referenced as # XXXX on my credit report. It has recently come to my attention that this account stems from alleged outstanding charges from XXXXXXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, MD. However, I contest the validity and accuracy of the debt for the following reasons : Lack of Notification : Prior to the appearance of this collection account, I received no communication from XXXX XXXX XXXX XXXX  regarding any outstanding charges or attempt to resolve the matter amicably. There was no opportunity given to address or rectify any potential issues before it escalated to collections. 

Absence of Detailed Documentation : Despite my request for substantiation of the alleged debt, XXXXXXXX XXXX XXXX XXXX has failed to provide any meaningful documentation or evidence to support the charges totaling {$370.00}. I have diligently sought an itemized breakdown of the expenses, including dates, amounts, and the nature of the charges, but to no avail. 

Unjustified Retention of Security Deposit : Furthermore, it is pertinent to mention that XXXX XXXX XXXX XXXX has also withheld my security deposit without proper explanation or justification. This raises concerns regarding the transparency and fairness of their billing practices. 

Premature Involvement of Collection Agency : Instead of engaging in constructive dialogue to address any discrepancies or outstanding payments directly with me, XXXX XXXX XXXX XXXX  opted to involve a collection agency, I.Q. Data International , Inc., located at XXXX XXXX XXXX, XXXX, WA XXXX. This hasty action suggests a disregard for due process and a failure to adhere to fair debt collection practices. 

In light of the above, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by formally disputing the validity of this debt. I demand that all collection efforts cease until such time as XXXXXXXX XXXX XXXX XXXX provides verifiable evidence supporting the alleged charges and the legality of involving a collection agency without prior notice. 

I expect a thorough investigation into this matter and a prompt response within 30 days of receipt of this letter. Failure to provide adequate documentation or resolve this dispute satisfactorily will leave me with no choice but to explore further legal remedies available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: NC

Complaint narrative:
XXXX XXXX  {$3900.00} XXXX XXXX XXXX  {$1900.00} XXXX  XXXX bank {$630.00} XXXX  XXXX {$570.00} XXXX {$0.00} XXXX department store {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX bank {$2200.00} XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX bank XX/XX/XXXX 15 USC 1602 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1666 b 15 USC 1681e ( b ) 15 USC 1681 i ( 5 ) 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 6802 15 USC 1692 ( C ) Privacy Act of 1974 Family and educational act of 1974 codes and infractions each reporting company has violated on behalf of the FCRA and privacy act of 1974 & family educational act of 1974

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 2024-02-12 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: IL

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.

has violated my rights. Or a list of inquiries : 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 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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-02-12 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: CA

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-02-12 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: GA

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

has violated my rights. Or a list of inquiries : 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 inaccurat
e.

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 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
FRAUD. My new account in XX/XX/XXXX. On XX/XX/XXXX there was unauthorized transactions totaling {$1300.00}. I called Bank of America Customer Service and filed a complaint. They said they would send me a new card, and look into it and it would take 5 business days to resolve. Ten days later I call again and they tell me it was denied! They said they would reopen the complaint and it would take 48 hours.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've noticed that it's accounts that I have no knowledge of on my consumer report as a result this issue is hindering me from obtaining credit account 1 XXXXXXXX XXXX  XXXX account 2 XXXX XXXX these accounts I do not recognize please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: GA

Complaint narrative:
I've noticed that it's accounts that I have no knowledge of on my consumer report as a result this issue is hindering me from obtaining credit account 1 XXXX XXXX  XXXX account 2 XXXX XXXX these accounts I do not recognize please remove

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