vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX. XXXX, XXXX Reference No. XXXX Account name : XXXX Account No. 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 convictions of crime 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 reporting agency if the person knows or has reasonable cause to belive 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I was informed that Bank of America would be returning my funds to the Internal Revenue Service, the funds have not been returned theyve been holding the funds for over 30 months now.

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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was charged {$49.00} for both XXXX and XXXX. My XXXX bill- there was no warning that I was under by XXXX XXXX. The representative that reached out, XXXX, is not helpful. Prefer to have someone else as XXXX is not good at finding a resolution and instead just stating I would have to XXXX up paying {$49.00} late fee despite not warning it was under by a mere XXXX XXXX. 

I also noted upon review on XXXX that there were some current customers who were indeed refunded the {$49.00} fee. How come some customers get refunded and others do not? It is an unfair practice.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
XX/XX/ - Rocket Mortgage, claimed that my HO insurance had a lapse XXXX XXXX XXXX. I called multiple times to get this resolve because you wanted to raise the monthly mortgage payment by adding your own insurance. It literally took about a week before I was able to speak to someone. It took a month to resolve this issue. 
XX/XX/ - Now you're raising the monthly payment to {$1100.00} effective XX/XX/. 
I called XXXX XXXX. I could not get anyone on the line. I tried 4 times. I then called XXXX. I was transferred to the XXXX XXXX XXXX. I spoke with a representative for XXXX minutes and she could not explain why you are attempting to raise my monthly mortgage. I have never been late. I paid all the escrow at the time of closing. There has been no issue with the HO or Flood insurance. Now she said I owe {$150.00}. If I pay that before the end of this month, my mortgage will be only {$1100.00} .... I told her that should not be because I paid everything. She said it is probably due the the insurance issue that cause the escrow analysis to show a change in the mortgage. I requested this error to be corrected. Then she HUNG UP. This is ridiculous. XXXX has tried to raise the mortgage every month since I closed. 
Before I closed the loan EVERYONE was available, kind and very professional. Now NO ONE will assist me. I have taken my account from autopay and now I have to incur and expense for legal representation. This is simply horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The interest rate for my current and past auto loan is astronomical. I purchased my current vehicle for around {$10000.00} but with the interest rate from the loan provider, my balance is nearly {$20000.00}! I could be driving a much newer car for the payment I am making each month if my interest rate was not so high.

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 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Brett M. Borland, P.C.
State: IN

Complaint narrative:
On XX/XX/XXXX, I discovered my credit scores decreased due to unpaid rent for a XXXX XXXX being sent to collections. I live/own a home in IN and never applied for this rental. After contacting the collection agency ( XXXX XXXX XXXX ), they told me it was being handled by Brett M Borland Law. The law firm informed me the tenant moved in XX/XX/XXXX and requested a copy of the police report & DL so they could investigate. My credit reports have been frozen since XXXX and no inquiries were ever made by XXXX XXXX, so I don't think they properly verified applicant information. I have submitted FTC theft & police reports and have disputed with the 3 credit bureaus. I want to ensure this collection gets removed from my credit since it was a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I lost my Victoria secret credit card, I asked for a replacement. They will not send me one with a copy of my social security card. I do not feel comfortable sending anyone my social security card. Therefore I asked them to close my account and they refuse. This is going to affect my credit score and Im upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My personal information was shared to the public in various data breaches which caused me to be a victim of identity theft! I have accounts and inquiries on my report that were unauthorized and this is hurting my reputation with the banking system. I need these accounts and inquiries removed immediately

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My personal information was shared to the public in various data breaches which caused me to be a victim of identity theft! I have accounts and inquiries on my report that were unauthorized and this is hurting my reputation with the banking system. I need these accounts and inquiries removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I bought XXXX dresses from XXXX  and paid using Affirm. The dresses were of poor quality and I returned both to XXXX  and received email acknowledgements on XX/XX/XXXX that both were received. I have the email receipts. 

I saw that I would be charged for another installment for each dress on XX/XX/XXXX. I contacted Affirm 's online help the rep stated that credits were showing on the account for both returns. I asked if I would be charged anyway and he stated there was nothing he could do. He suggested I write Affirms website : XXXX XXXX XXXXXXXX Sure enough my account was debited another payment for each dress again on XX/XX/XXXX despite the fact that their online rep acknowledged the credits in the system. Subsequent follow ups discussed the wrong purchase. 
When they know I no longer have the merchandise and cage me this seems like fraud. Also I don't know when, if ever, the merchant credit will show up on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
At my work email I got the following email below the line -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- We've permanently limited your account 1 message Zelle XXXX Tue, XXXX XXXX XXXX at XXXX AM Reply-To : Zelle XXXX To : XXXX Zelle Logo. 
Your account has been limited Recently we have limited your access. 

Possible unauthorized account access. 
Unresolved buyer disputes or credit card chargebacks. 
We need some information about you. 
Click the button below to secure your account and regain access. 


Secure My Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I noticed hard inquiries on my credit reports that I did not make. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, jpmcb - XX/XX/XXXX and XX/XX/XXXX. These were all unauthorized. Theres also a credit like with XXXX XXXX appearing on my XXXX XXXX report I also did not make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I noticed hard inquiries on my credit reports that I did not make. XXXX XXXX XXXX XXXX XXXX Wells FargoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These were all unauthorized. Theres also a credit like with XXXX XXXX appearing on my XXXX XXXX report I also did not make.

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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Block, Inc.
State: OR

Complaint narrative:
I use the app Cashapp which is linked to a card. I have attempted to contact the company on two separate occasions regarding offers they list to entice people to make purchases. The first offer was on XX/XX/XXXX for a purchase of {$19.00} and was supposed to apply a 'boost ' for 75 % off. It didn't go through and they said there was nothing I could do. 
On XX/XX/XXXX I made a purchase using a discord boost to give99 % off one purchase with a total discount of up to XXXX XXXX I made a XXXX purchase and it took the full amount, so I contacted customer support. Customer support has informed me that I need to file a complaint by pressing the three dots on the program screen and mark that my boost wasn't applied [ which it was ]. There is no option to do this and since it's not an available option there is 'nothing that can be done. ' I have searched the web for this issue and it has been ongoing for months with this app. 
https : XXXX People are complaining about them not applying the boosts and customer support not doing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
In XXXX, XXXX  the consumer completed an online credit application with American Express and after completing the application the consumer has become a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code 1602 ( p ) and being " discriminated against '' pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Furthermore, American Express has obtained the consumer 's " consumer report '' under false pretenses pursuant to 15 U.S.Code 1681q because American Express does not have " permissible purpose '' pursuant to 15 U.S.Code 1681b. Pursuant to the Consumer Credit Protection Act, including but not limited to, Truth In Lending ( 15 U.S.C 1601 et seq ), the Fair Credit Reporting Act ( 15 U.S.Code 1681 et seq. ) and the Equal Credit Opportunity Act ( 15 U.S.Code 1691 eq seq ), American Express actions are of the following " unauthorized use of credit '', " obtaining information under false pretenses '' and " discrimination '' which is a civil violation ( 15 U.S.Code 1681n, 15 U.S.Code 1681o and 15 U.S.Code 1691e ) and criminal violation ( 15 U.S.Code 1611 and 15 U.S.Code 1681q ) with respect to the consumer. On the online credit application by American Express, the consumer provided XXXX ( XXXX ) " credit cards '' pursuant to 15 U.S.Code 1602 ( l ) existing for the purpose of obtaining money on credit. The first " credit card '' the consumer provided was the consumer 's social security card, the second " credit card '' the consumer provided was the consumer 's drivers license. Both cards were then " accepted credit cards '' pursuant to 15 U.S.Code 1602 ( m ) and upon completion of the online credit application the consumer received no benefit from this transaction. American Express sent a letter of " Adverse Action '' to the consumer stating that American Express is " unable to extend credit to the consumer at this time ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My personal information was shared to the public in various data breaches which caused me to be a victim of identity theft! I have accounts and inquiries on my report that were unauthorized and this is hurting my reputation with the banking system. I need these accounts and inquiries removed immediately

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Re : IRS 1099-C Form Received for XXXX Account in Dispute I contacted the three major bureaus, XXXX, XXXX, and TransUnion, and they did not respond for more than 45 days, despite three attempts to contact them via mail. 

Transunion sent me the last letter on XX/XX/XXXX, and I haven't heard from XXXX or Transunion since. 

XXXX XXXX ( XXXX ) agreed to let me settle my account for {$5000.00}. I received a 1099-C for Debt Cancellation for the remaining {$10000.00} balance, which will be reported as additional income on my XXXX federal income tax return. 

This XXXX account is currently listed as " XXXX '' on XXXX but " Derogatory '' on TransUnion and XXXX. 

When I sent my dispute letters to these XXXX major bureaus, I attached the settlement documents I had with XXXX, and it appears that they just trashed it. 

I am aware that federal law requires these three major bureaus to respond within thirty ( 30 ) days, but they have not. 
I understand that the Federal Trade Commission investigates credit reporting agencies that fail to comply with these federal regulations ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with them in order to file a complaint with you. 

I tried to remind them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov 14,1995 ), they could be held accountable for willful non - compliance. 

Please keep the following dates in mind when I sent them my dispute letters : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your assistance will be greatly appreciated, as their negligence and noncompliance have a negative impact on my profile.

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