vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: KS

Complaint narrative:
I recently obtained a copy of my credit report and noticed that I have some hard inquires that I did not authorize : 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 explanation
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I recently obtained a copy of my credit report and noticed that I have some hard inquires that I did not authorize : 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 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 2024-08-08 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information related to an account with Revvi/XXXX XXXX from my credit report. The details of the account are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my efforts to resolve this matter directly with Revvi/XXXX XXXX XXXX including multiple emails, phone calls, and formal requests for account closure, I did not receive any response, and the account was not properly closed. Consequently, incorrect charges and fees have been reported on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of inaccurate or incomplete information from my credit report. Specifically, Section 611 ( a ) ( 1 ) of the FCRA mandates that a credit reporting agency must investigate any disputed information and correct or remove any inaccuracies found.

In light of the unresolved issues and the inaccuracies reported, I request the following actions : Immediate Removal : Please remove all information related to the account with RevviXXXX XXXX  XXXX my credit report. 
Confirmation : Provide written confirmation of the removal and update my credit report accordingly. 
I am including copies of my correspondence with Revvi/XXXX XXXX and any relevant documentation supporting my request. Should you require additional information or documentation, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your response and the correction of my credit report in accordance with the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revvi/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
Robinhood placed an account restriction on my account citing under review due to unusual activities. I did not do anything which violates any Robinhood policy, terms of service, or law. All funds on the account are rightfully mine and were transferred from bank accounts under my control. I am currently unable to transfer funds or open new positions with the stock brokerage which has effectively locked me out of a large percentage of my monetary assets. 

I reached out to Robinhood support directly to request information on what flagged my account and approximately how long the investigation would take. I am open to cooperating and providing any supporting documentation that is needed. However, the service representative was unable to provide a clear answer to either questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-08 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: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
I am writing a complaint for Ford Motor credit for failure to do the following : 1. Identify the level of accuracy and fairness with regards to any information provided or furnished their company, so that I may verify or contest the accuracy and completeness of the handling of my consumer report ; 2. Provide me with the transaction and complete payment history, for legal purposes, and so I can see and have all investigation details information and do my own due diligence to verify this investigation.

3. Notify me before making such adverse decisions that lead to actions taken against my consumer report.

4. Failed to provide a copy of any alleged contract or other instrument bearing my real ( not copy ) hand written admittance.

I have contacted Ford Motor Credit several times and have had no results. I have sent in Ftc report, Police Report, Affidavit, Letters requesting to reinvestigate. I spoke with their Representative XXXX, she was unable to provide me with the information regarding the fraudulent account on my report. First she stated it was another department that handles identity theft, however, another rep told me she was the one to contact. I don't think a through investigation was processed. I never had a account with them It's been over 90 days since I first contacted Ford Motor Credit. I demand the account be removed immediately due to FRCA Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Over the last XXXX years, I've had to reconcile all of my accounts because there have been history of accounts being on my credit report that does not belong to me. About XXXX months ago, I finally figured out that American Express had erroneously allowed XXXX additional credit cards as part of my account and those XXXX cards does not belong to me. I've contacted American Express and they confirmed indeed the credit cards ( there were XXXX ) they have in my account information does NOT match with my SSN and birthday, and all other personal information does not match neither. But SOMEHOW -- they still made it into my account- which is baffling. After submitting the required paperwork to have them MANUALLY review and confirm my identity, I called American Express to follow up on the progress only to find out NOTHING has been done. I've requested yet again for the correction and asked for compensation for all of the issues I dealt with re : my credit scores, etc. The customer rep literally offered me {$25.00}, I wasn't sure if I should laugh or cry so I may have laughed out loud at the rep, I feel somewhat bad about that - anyways- this is still not resolved and I honestly is at a loss on what I can do and have no idea what ( if anything ) I am owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
By law 15 U.S. Code 1681a late payments shouldn't be on my consumer report. Why is Equifax, XXXX, XXXX  reporting late payments on my credit report?

15 USC 1681a 2 ( A ) ( i ) - the term " consumer report '' does not include report containing information solely as a transactions or experiences between the consumer and the person making the report.

the law doesn't say anything about late payments should be reported on a consumer report. I would like to have all my late payments reverse and change as " paid as agreed '' or " OK '' immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently filed multiple investigation request letters with the credit bureaus, but unfortunately, they failed to provide me with the requested information. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Should further evidence be needed, I am able to provide copies of the aforementioned documents upon request. Additionally, I have included a photocopy of my identification and recent utility bill within the investigation request letters as supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I am writing to formally dispute a charge on my Barclays XXXX XXXX XXXX, that my credit card company has as a chargeback denial. Below are the details of the disputed charge : - Charge Amount : {$330.00} - Charge Date : XXXX XXXX, 2024 - XXXX : XXXX XXXX On XXXX XXXX, 2024, I purchased round-trip tickets for XXXX individuals using my Barclays XXXX  XXXX XXXX XXXX On the day of our return flight, XXXX XXXX, 2024, my son became severely ill and was unable to fly. Due to his condition, he needed immediate medical attention and could not travel to the airport. As he is a minor, an adult had to stay back with him. 

I contacted XXXX XXXX and requested that the return leg for XXXX individuals be changed to the following day. We were assured by XXXX XXXX that we would receive a refund of {$330.00} for the return leg of the journey for the XXXX individuals. New tickets for the following day XX/XX/2024 were purchased using a different credit card. 

After a week, I noticed that the refund had not been issued to my Barclays XXXX XXXX XXXX. I contacted XXXX XXXX, who confirmed that the refund had been processed on the same day and suggested that I check with my credit card company if the refund had not been received. 

Upon contacting Barclays, I was informed that there was no record of the refund and requested I contact XXXX XXXX to obtain a transaction ID. After providing Barclays with the transaction ID I initiated a dispute. However, after XXXX  days, Barclays informed me that XXXX XXXX stated the charge was legitimate and that my child had traveled on the original date, providing an itinerary as proof. 

I appealed this decision, clarifying that it was another child who traveled on the original date and provided the new flight information for the child in question, which was purchased with another credit card. As well as chat correspondence between myself and XXXX XXXX XXXX agent who confirmed the date, amount and confirmed the last XXXX of the XXXX the amount was refunded to as well as provided the transaction ID. Despite this, Barclays denied my appeal, stating that they could not issue a refund. 

Given the circumstances and the evidence provided, I believe the charge of {$330.00} should be refunded. I request that Barclays review this case once more, considering the documentation from XXXX XXXX confirming the refund and the new flight information proving the change in travel plans. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-08-08 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: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Wells Fargo lawsuit that I was a part of but I'm not satisfied with what the amount they came up with XXXX it was a debit card fraud I think I'm entitled to way more this happened back in XXXX it caused me emotional damage losses of putting food on table cloths on my kids back to much to mention XXXX but I recently received a check for that amount and at the bottom it said this case is closed I can't get through to talking with anyone I'm frustrated confused i just wished Wells Fargo works that did all this upset wrongfully things to people need to be accountable for like jail time people out here especially on a reservation if we did what they did to us we be in jail i mailed my first remediation paperwork in abd did get a check for it but wasn't satisfied with it bit hopefully something comes down the road from that and this last one was credit card fraud and i responded to it and they told me to wait for another one in mail so i did and XXXX was a check for XXXX and said this case is closed i haven't had a phone due XXXX congress didnt pass that so i dont kow where XXXX go from here its just not fair

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 2024-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
I received a letter only saying I needed too pay {$8900.00} with no explanation of what the bill was or when it was from. I received this letter in the beginning of XX/XX/XXXX. I called the debt collector and asked what it was for because I have been working hard to pay off all my debts and I know I don't owe anyone money and a lady told me I owe them this amount for a medical bill from XXXX. I have no idea what the medical bill is or where it came from. 

Today I was served with papers to be in court in XXXX and I am being sued for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even 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 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 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: KS

Complaint narrative:
IN XX/XX/XXXX NCB MANAGEMENT BEGAN REPORTING ON MY CREDIT REPORT AN ALLEGED DEBT OF XXXX, THEY HAVE FAILED TO PROVIDE DEBT VALIDATION WITHIN 30 DAYS AND NCB HAIS FAILED TO RESPOND TO MY DEBT VALIDATION REQUESTS SENT TO THEM IN XXXX. IN XXXX I WROTE NCB INFORMING NCB, I REFUSE TO PAY THE ALLEGED DEBT AND TO CEASE EMAILING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
All account Types A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission.

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 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX. I had placed an order online through XXXX of an amount of {$4500.00}. the company refused to investigate whatever happened to my delivered I was also asked to provide my ssn which was strange never heard of any company asking for your social security number which I shouldve knew it was a scam, my bank hasnt really help me with this issues I'm frustrated with this outcome.

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