vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX 
I received a copy of my credit report and I see that this erroneous information is still on my credit report. I am reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$12000.00}. According to FRA, I have the right to an accurate credit report. This is stopping me for getting ahead in life and hindering me from job employment and getting a home. 
I sent this to all 3 credit bureau and they didnt do anything to help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX 
I received a copy of my credit report and I see that this erroneous information is still on my credit report. I am reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$12000.00}. According to FRA, I have the right to an accurate credit report. This is stopping me for getting ahead in life and hindering me from job employment and getting a home. 
I sent this to all 3 credit bureau and they didnt do anything to help 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 explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Back in XX/XX/2023 my aspire card was closed after I filed a complaint for fraudulent charges on my card. The people at the call center were rude consending and arrogant. At first they said I was responsible for the charges and they refused to help me. After complaining several times they removed the charges but also closed the account. I was always in good standing with them and never late on a payment. Their was an issue with language barrier when calling in getting them to listen me. Theirs no reason that their card was closed. They keep sending me correspondence saying that a new card is on the way but nothing has shown up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: DISCOVER BANK
State: PA

Complaint narrative:
Contacted Discover using the messaging feature in the mobile app because I was unable to add my credit card to XXXX XXXX. I would confirm the card number, expiration date, and security code. That would process successfully and I would land on the XXXX XXXX XXXX  page, agree to the Terms, and be bounced back to the main screen with my name and card number. The issued message I received said to contact the Card Issuer because my request was being denied. Discover was offering a promotion of 5 % cash back for purchases made with a digital wallet of up to {$75.00} back from XXXX to XXXX of XXXX and is currently offering the same promotion for XXXX to XXXX of XXXX. 

XX/XX/XXXX : Dates of contact are unavailable because the mobile app only shows the month and year for a date stamp. I tried scanning the card in XXXX, manually typing the numbers, and adding through the Discover app. Responses were days apart from a representative. Received queue acknowledgment messages for 3 days before an agent was connected. Upon responding to the agent saying I could not connect my card, I was sent back to the automated message system. I received an automated prompt to add my card to XXXX XXXX through the Discover app, which did not work. I then received 8 messages over the course of a few days acknowledging my place in the queue. I was connected to an agent at an inconvenient time when I was not available and did not have my issue resolved. 

XX/XX/XXXX : Contacted Discover via messaging once again. I was told I needed to call Discover to speak with technical support. 

XX/XX/XXXX : Called Discover support at XXXX XXXX and was connected to a technical support agent. The agent told me that Discover could not see my requests to add the card to the XXXX. The agent then told me the issue was because I had multiple cards ( sequence ) on my account with the same card number and told me I had to cancel two. I refused, as I use all issued cards. The agent then put me on hold to connect with others regarding this issue. After about 20 minutes, the agent returned and told me that again the problem was having more than one active card on my account and suggested canceling. I explained that I did not want to do that, and said there must be other customers with multiple cards that are having the same issue as me. After being placed on hold again for 10 minutes, the agent returned to tell me that they were opening a ticket and to email a screenshot of the message I am receiving in the XXXX XXXX. 

This poor customer service from XXXX XXXX and poor reasoning inhibiting participation in rewards ( having multiple cards means I can not use a digital wallet ) is interfering with using my credit card for the purposes it was advertised for ( rewards card ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Sunlight Financial LLC
State: NV

Complaint narrative:
First off I hope I made the correct choice to file this complaint because no where did I find Home Improvement Loans. 

So got the loan through Sunlight Financial but the loan was actually approved by XXXX XXXX XXXX. My fist instalment was due on XX/XX/2023. On XX/XX/2023 I remembered that because the XXXX of XXXX had fallen on a Sunday I had forgotten to submit the first payment. So I login to my online account with Sunlight Financial and proceed to submit my payment. On XX/XX/XXXX of the current year, I login to my bank account to see what had been charged so far ( because I have other payments that come in ). To my surprise, I see 2 charges for sunlight financial one in the amount of what the payment should be which is in the amount of {$230.00} and the one I made and authorized in the amount of {$230.00}. I called them that same day XX/XX/2023 at XXXX XXXX  to ask why had they charged my bank account twice? That I had only authorized the payment of {$230.00} made on XX/XX/2023. She checked and verified that the auto pay was not activated. So according to the young lady I spoke to, she verified that the autopay had not been activated, so there was no reason for the financial institution in charging my account without my consent. She did say she'd enter notes to escalate the situation and that she would call me with a response. She even verified my phone number. I asked for either a refund of the double charge or credit for the payment due on XX/XX/2023. I also asked for my payment due date to be moved to the XXXX of each month. I want to point out the call was being recorded! That was taken care of on XX/XX/2023. But as far as for the issue with the double charge they did not mention a thing. I even logged in to see if their was at least a credit to make a payment till XX/XX/2023, but nothing has been updated. Then I proceeded to sending them a message via their portal which I took a screen shot of, before submitting to keep as proof. But till this day of XX/XX/2023 I have not received a response from them, not a call or an email or a letter in the mail addressing the issue. I have removed my bank account from the portal since XX/XX/2023 so they can no longer take any payments that I do not authorize. But I would really like for someone to reach out to them and ask why did they take money that was not authorized? In the attached files you will find the message sent to sunlight Financial disputing the double charge. Then email with the charge that was authorized by me. And a screen shot of the charges from my bank. Final note, I was never notified about the first charge otherwise I would have never made that payment on XX/XX/2023.

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 2023-07-24 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: CA

Complaint narrative:
On XX/XX/2023, there was an unauthorized transaction on my online bill pay section of my checking account with the amount of {$17.00} in the processing and scheduled to pay to XXXX XXXX XXXX on XX/XX/2023. I never owe any money from XXXX XXXX XXXX. On the same day morning XX/XX/2023, I came to Bank of America in XXXX XXXX, California to notify the bank of America about the unauthorized transaction and request to refund. Bank of America refused to resolve the issue. I immediately called Bank of America Customer Service on the same day to report the unauthorized transaction and request refund. Bank of America Customer Service refused to to resolve the issue. 
Today XX/XX/2023, the unauthorize transaction in the amount of {$17.00} pay to XXXX XXXX XXXX was posted on my checking account. I contacted Bank of America Customer Service to report the unauthorized transaction and request refund. Bank of America still refused to to resolve the issue.

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 2023-07-24 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: FL

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-07-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-07-24 00:00:00
Product: Credit card or prepaid 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: VA

Complaint narrative:
Credit card opened in my name but I didn't open an account

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I want you to know that I missed the payment on my account due to my serious illness and hospitalization. The XXXX pandemic has significantly impacted my life, and I have faced various challenges because of it. I lost out on job opportunities because of the late payment remarks on my credit report, and I was unable to close on a home for my family as a result of this situation. This has been a difficult and stressful time for me, and I am feeling really XXXX  about the whole situation.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Contemporary Information Corp
State: TX

Complaint narrative:
I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, TX XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: LA

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date - XX/XX/2023 Amount - XXXX USD Wired to XXXX bank recipient XXXX XXXX  ( XXXX ) From : Chase Bank Action - Recalled wire but no action taken by the bank despite informing this is a fraud company Date : XX/XX/2023 Amount : XXXX Wired to Chase recipient XXXX XXXX XXXX Account : XXXX From : Chase Bank Action : Recalled wire but no action taken by the bank despite informing this is a fraud company Date : XX/XX/2023 Amount : XXXX Wired to Chase recipient - XXXX XXXX Account : XXXX From : Chase Bank Action : Recalled wire but no action taken by the bank despite informing this is a fraud company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
The name of the company is called IQ Data international Inc their address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WA XXXX. I have received two letters from this company I have tried to resolve the situation on today 's date XX/XX/2023 and I am not sure if this is a real company because upon talking to the person they wanted more information personal information and hung up on me when I refuse to give it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Remove the following accounts : XXXX XXXX XXXX This accounts are in violation. 

15 U.S.C. 1681b permisible purpose of consumer reports. 

Credit reporting agency does not meet any circumstances.

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