vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/year>, I received a text message at XXXX from the number XXXX claiming they were my bank and there was fraudulent activity on my account and inquired whether it was me who did it. I responded immediately saying no and shortly after I received a phone call from XXXX saying they were my bank and that I needed to contest this issue with them. Then the number XXXX texted me and asked to confirm my online ID and password for my bank account to which I did willingly. 

At one point in time they claimed I needed to give them my credit card as well as my debit card and that they would send an uber to get them. They then confirmed with me that an uber driver would be on their way to my place and I was to give the uber driver an envelope with my credit card and debit card and that it would be given to a representative. The XXXX XXXX arrived around XXXX and it was a XXXX XXXX XXXX XXXX The uber driver was named XXXX and he was around mid to late XXXX, bald, with minimal teeth on the bottom of his mouth. The driver then asked me if the person knew they were receiving the package to which I replied yes and then I went back into my apartment. 

I remained on the line with them and started noticing more charges coming to my account as well as a cash advance going to my credit card. I questioned them about it but I could not get a straight answer regarding the issue. At one point during my call, I blocked my old debit card and requested a new one to which the person calling me told me to stop messing around on my computer. After the line grew silent and around XXXX the number hung up on me to which I immediately redialed and the number was led to my bank. 

While on the phone with my bank, they confirmed to me that what happened was indeed fraud and they would go about cancelling, and making sure about it, my debit and credit card. After my cards were cancelled, I went through my charges with USAA, my bank, and disputed them on my debit card as well as my credit card. 

At XXXX, XX/XX/XXXX, I have received {$300.00} in credit from my bank in regard to the withdrawal using my debit card.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and
willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I applied to Synchrony Bank for an Amazon Store Card and was denied. The rejection letter ( email ) referenced a link to view Synchrony 's response and my personal information used to apply did not match the information requested to access the explanation. 


" Thank you for your recent AMAZON STORECARD credit request. Please click the link below to view our response to your credit request via our secure site. ( Details ) does not work, can not contact them via email or chat. Might as well be impossible via phone also. ''

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 2024-08-13 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: TX

Complaint narrative:
I am deeply disheartened to find unauthorized inquiries appearing on my credit report this evening without any clear reason. I checked my report as usual, and suddenly there were discrepancies that werent there before. I tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries remained. I am extremely frustrated and urge you to thoroughly review the documents Ive sent so that I can put this matter to rest and stop worrying about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
I am profoundly upset to see unauthorized inquiries showing up on my credit report tonight. This is completely unexpected and I am at a loss as to why this has happened. Despite refreshing my browser to correct what I hoped might be a temporary issue, the inquiries persist. I am requesting an immediate and thorough review of the documents Ive submitted so I can resolve this distressing issue once and for all.

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 2024-08-13 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: FL

Complaint narrative:
UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Hanwha QCells USA Corp
State: MI

Complaint narrative:
I signed up for a loan {$60000.00} to get my solar system installed to my house, it has been more than XXXX months, the system is not complete, i have been paying for it with no benefit from it, every month i pay about {$220.00} the installer company is not responsive, I think this is scam on people

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
I am filing this complaint against XXXX regarding their failure to comply with the legal requirements stipulated under the Fair Credit Reporting Act ( FCRA ). Specifically, I requested the method of verification ( MOV ) that XXXX used in response to a dispute I filed. According to the FCRA, upon receipt of such a request, the credit reporting agency is required to respond within 15 days of receiving the request. 

The relevant section of the FCRA is Section 611 ( a ) ( 6 ) ( B ) ( iii ), which states that if the consumer requests the method of verification used by the consumer reporting agency during the dispute process, the agency must provide that information within 15 days of receiving the consumers request. 

I sent my request for the method of verification to XXXX via certified mail. I have in my possession the certified mail receipt with the tracking number, showing that XXXX had someone pick up the letter from the postal facility in XXXX, Georgia, on XX/XX/2024. Based on this, XXXX was required to respond to my request by XX/XX/2024. Today is XX/XX/2024, and I have still not received any response or acknowledgment from XXXX. 

This lack of response is not only in violation of the FCRA but also causes significant concern regarding the accuracy and transparency of XXXX dispute resolution process.

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 2024-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
I have an old dental bill & I made payment arrangements for, but the Perferred dental office refused to see me and my son anymore and sent my bill to collections. Now its affecting my credit and XXXX collection is calling me multiple times for the money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" M

ethod of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$XXXX} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

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 2024-08-13 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: Smart Auto Leasing
State: TX

Complaint narrative:
I didn't give this company authorization to access my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I didn't give this company authorization to access my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-08-13 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: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a Citi XXXX XXXX Account. For months I have been unable to transfer funds to or from the account from an outside bank on the mobile app. 
Everytime I attempt, the app says " error try again later '' or " we are unable to at this time ''. It has not been fixed for several months. 
Asking to speak to a chat representative does not lead to resolution as they force you to talk to a bot or the chat system fails and kicks you off. 

Being able to access your own money should be straightforward and transparent.

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 2024-08-13 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/XXXX, several fraudulent transactions were made through a company called XXXX, an online event ticketing company, totaling {$6200.00}. I believe there were XXXX or XXXX separate transactions of different amounts. I noticed the transactions and immediately alerted Chase, our bank. We spoke to a Chase representative on the phone and they canceled the card that was used. We asserted that we did not make any of the purchases from XXXX. All were fraudulent. Chase refunded our account and erased all the transactions from our statement, with the exception of one. Chase refunded {$4400.00} completely and gave us a temporary credit for the remaining {$1700.00}. On XX/XX/XXXX, however, Chase reversed the temporary credit and took {$1700.00} from our checking account because they claim that that one transaction was authorized by us. It was not. We did not authorize any of the transactions to XXXX because we did not make any of those purchases. We have asked Chase to refund our account, but they consider the matter closed. We asked why they think we authorized the transaction, but we got several different answers from them over the phone. They claimed we authorized via email. We received a fraud alert email ( see attached document for a {$720.00} fraudulent transaction ), but we did not authorize ANY of the XXXX transactions. Then they claimed we received an " alert '' and authorized in the app. We did not receive an alert nor did we authorize any of these transactions. They asked me if I had lost my phone, because they wanted to record me saying something that would, apparently, strengthen their case. The fact remains that we did not authorize any of the transactions totaling {$6200.00}. Chase recognized the fraud for all the other XXXX transactions, to the tune of {$4400.00}, for which we are thankful, but they refuse to make us whole by refunding the remaining {$1700.00}.

Company response to consumer: Closed with monetary relief