vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Request for XXXX XXXX XXXX, I hope this message finds you well. 

I have noticed that an item has been charged off on my credit report, but I did not receive the 1099-C form for this. Could you please send me the 1099-C form at your earliest convenience? 

If you have sent it to me previously when you should be, please provide proof of sending 1099-C. 

BANK OF AMERICA : XXXX Thank you for your assistance.

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 2024-06-21 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: CA

Complaint narrative:
I received an AMEX Digital Gift Card for the amount of {$400.00} from my employer on XX/XX/2024. Per AMEX 's website balance check, the full amount of {$400.00} was available for use. When attempting to use the card with online merchants for the amount less than {$400.00}, it was constantly being declined. I opened a case with AMEX Gift Card customer service on XX/XX/2024 they deactivated the digital gift card and now it says " Unknown Error '' with the card number and balance completely gone, like it never existed. They collected my information such as Name, Address, Phone, Email, and they said it would take up to 30 days to resolve. I followed up on XX/XX/2024 because I did not receive any confirmation email other than a XXXX # for reference. It felt like a scam. I contacted them today, XX/XX/2024, and they said that it would take up to 30 days to investigate and issue me a new card, and if the card doesn't work again then they will send me a check for {$400.00}. I said that it has been more than 30 days and asked if this could be escalated. The agent said no and to give it one more week. If it is not resolved by next week, then they will escalate the issue. After reading on XXXX that many other AMEX Digital Gift Card recipients have experienced the same issue, I do not want to deal with having another gift card that may not work but it appears that their re-attempt to rectify the problem is to issue another card before sending a check for {$400.00}. 

Attached are screen shots of the original email that I received from my employer for the AMEX Digital Gift Card plus the credit card number that used to exist. Additionally, I've included my employer 's receipt/proof of purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXX deadline stated in your previous memo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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:
Please delete these fraudulent accounts from my credit report. These have already been deleted by the other reporting agencies and need to be deleted by you also under the law. I have included the identity theft report, and updated bill, and my ID and passport. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Please delete these fraudulent inquiries . 

XXXX XXXX XX/XX/XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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:
Please delete these fraudulent accounts from my credit report. These have already been deleted by the other reporting agencies and need to be deleted by you also under the law. I have included the identity theft report, and updated bill, and my ID and passport. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please delete these fraudulent inquiries . 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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:
I am filing this complaint against Bank of America about dispute/fraud claim number XXXX for a debit card purchase for {$2500.00} on business checking account XXXX The initial dispute for this claim was originally filed on XX/XX/XXXX, and closed on XX/XX/XXXX, not in my favor. 
Bank of Americas investigation team allowed me to believe the case was still open for weeks and subsequently learned that the investigation had been closed XXXX days later, even more troubling was I didnt even receive written correspondence, an email, or anything on the matter. 
The second dispute was initiated on XX/XX/XXXX, and closed on XX/XX/XXXX, also not in my favor. 
It was thoroughly documented that I was emphatic that this was not a charge I initiated or authorized and furthermore that I had absolutely, never ever done a transaction of this nature on my account. 
The only explanation that the Bank of America investigation team consistently gave was that I waited too long to report the claim ; however, ignoring their own policy and procedure ; which gives you a year to file a claim. 
Bank of America never takes these matters seriously unless they get legal or media attention, which is disturbing. There are countless consumers left with no resolution to serious issues because the leadership at Bank of America lacks care of any kind for customer service. 
A representative named XXXX called after my OCC complaint and said the bank takes these matters very seriously. Yet, he has not returned XXXX phone call or responded to any emails either!

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 2024-06-21 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: NJ

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-21 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
sent debt furnisher a validation letter for the inaccurate reporting. The company has not responded. 
They are communication with me through my consumer report after being notified that the account inaccurate until validated that there is a contract solidifying business with consumer along with a valid signature and more 15 usc 1692g section 809 ( b ) Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) outlines the validation of debts.

This section requires debt collectors to provide consumers with written verification of a debt upon request.

Consumers have the right to dispute the debt within 30 days of receiving the validation notice.

Debt collectors must cease collection activities until they provide verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: MI

Complaint narrative:
I am unable to obtain my consumer report from credit reporting agencies

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 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
My account was hacked and XXXX was withdrawn from my account and my savings were transferred on the XXXX XXXX ( at an ATM - named XXXX XXXX ) Please see the attached. When you look at my account activity I was in XXXX XXXX getting my nails done, I don't know how you can be in two places at once. This happened on XXXX XXXX and I followed up in person with my bank and opened a new account and fraud claim was submitted. I stopped by my local branch XXXX an was told my claim was denied and the charges were intentional. I was also told that my card before it was deactivated was attached to a XXXX pay account, which I don't or never had. If I need to show proof I can, you can see on my account I have never spent any many via XXXX XXXX. When I search the charge it appears to be XXXX XXXX, which is a chain that isn't local to me.

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 2024-06-21 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: IN

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$170.00}. 

Company or Organization : XXXX XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$720.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: IN

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : CREDIT XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$170.00}. 

Company or Organization : XXXX XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$720.00}.

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 2024-06-21 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: DE

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-06-21 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There must be a mistake in how or what XXXX XXXX reported to the credit bureaus as a result of their investigation. 

This XXXX account that I disputed was paid off ( {$54.00} ) as of XX/XX/XXXX. Prior to my filing of the dispute with CFPB, this account showed XXXX ( Closed ) as of XX/XX/XXXX in the credit report. 

After my call on XX/XX/XXXX with a XXXX XXXX employee and her email regarding the same, this XXXX account now shows as CO ( XXXX XXXX ) in the credit report. I understand that XXXX XXXX has nothing to do with how the credit bureaus do their jobs as their email clearly states. But the timing of the XXXX XXXX investigation results on XX/XX/XXXX and the updates on my credit report as of today ( XX/XX/XXXX ) shows that the XXXX XXXX report informed the change from XXXX to XXXX This is erroneous and unfair to me as a consumer. By definitionXXXX XXXX  is unpaid debt but XXXX  continues to show in my report ( again, after this XXXX XXXX investigation ) even if I already paid off this account ( {$54.00} )!

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 2024-06-21 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: NJ

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I have been a victim of Identity theft. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 a person shall not furnish any information relating to a consumer if the person has no knowledge. This company is displaying inaccurate information. I have never attempted to nor have ever had a account with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: NJ

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from 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 2024-06-21 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: NJ

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from 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 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank has charged me over XXXX $ on fees of XXXX $ XXXX XXXX They have my account at XXXX XXXX If I am not mistaken theyre fees start at overdrafts of XXXX $ XXXX, not XXXX XXXX I have tried to work with them but the best they have done is XXXX XXXX They said it is to late to Pay in 2 parts. I have paid them I think over XXXX $ in similar instances

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: NJ

Complaint narrative:
In accordance to fair credit reporting act the list of account below has violated my protect consumers rights to privacy and confidentiality under the 15 usc 1681 Accounts : debt recovery solutions XXXX I look at my XXXX report XX/XX/year> notice some things where inaccurate or not complete according to fair credit report act whenever Consumer reporting agency prepares consumer report it shall follow procedures to assure maximum possible accuracy of information concerning individual about whoms report relates according to 15 usc 1681. Accordance to 15 usc 1681 they not suppose to do this inaccurate or unverifiable information

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 2024-06-21 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: NJ

Complaint narrative:
In accordance to fair credit reporting act the list of account below has violated my protect consumers rights to privacy and confidentiality under the 15 usc 1681 Accounts : debt recovery solutions XXXX I look at my XXXX report XX/XX/year> notice some things where inaccurate or not complete according to fair credit report act whenever Consumer reporting agency prepares consumer report it shall follow procedures to assure maximum possible accuracy of information concerning individual about whoms report relates according to 15 usc 1681. Accordance to 15 usc 1681 they not suppose to do this inaccurate or unverifiable information

Company response to consumer: Closed with explanation