vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I received two American Express XXXX XXXX, one for {$100.00} and one for {$50.00}. I visited the website on the back of the card ( AmexRewardCard.com ) to verify the balances and see if I had to activate the cards. The website showed the cards as activated and the balances were correct. I read the reward card tips for how to use the cards and went to an online merchant, XXXX, to make a purchase. At checkout I used the {$50.00} card for a {$40.00} order and received the message that the " issuing bank declined the charge ''. I tried to use the {$100.00} card in case the problem was the amount but I received the same message. 
I called the American Express Customer Service number listed on the back of the card and on the website. I explained what happened and the representative said the reason was a " security issue '' and I should order from another merchant. I was annoyed but I waited until I needed to place an order somewhere else to use the card. I tried to place an order on XXXX and was declined again. I called customer service again and they said the same thing as before. I said that wasn't acceptable since there shouldn't be any security issues at XXXX. The representative just kept repeating the same thing with no further information. 
Again I waited and on XX/XX/XXXX I tried to make purchases at XXXX and XXXX and the purchases seemed to go through. I went to the card website and saw that the purchases were " pending transactions '' but then a couple of days later I was informed by the merchants that the card issuer declined the charge. I again called customer service and got the same answer as the other times. I told her that there wasn't any way that the problem was on all the merchants end. I was told she had no other information. I asked for a supervisor and was told there wasn't any. I asked for another phone number and wasn't given one either. I searched online and couldn't find any other numbers to call so I searched for who I could complain to and was directed here. Both of these cards totaling {$150.00} have expiration dates of XX/XX/XXXX and I stand to be gypped out of this money. I have attached copies of the pages from the Amex reward card website showing these transaction on XX/XX/XXXX, XX/XX/XXXX and XXXX. I also have the email from XXXX telling me the card was declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05 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: FL

Complaint narrative:
I have initiated disputes for the listed items on my credit report, and I have serious doubts regarding the thoroughness of the investigation conducted by your company. Regrettably, the requested evidence to substantiate the account has not been provided, and the documents I submitted as proof of the inaccuracy of these items have seemingly been overlooked. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ), your company is obligated by federal law to undertake physical verification of the original signed certified consumer contract for all accounts submitted for posting or reporting on a credit report. Given the absence of this essential verification, I insist that these accounts be promptly removed. 
In light of the FCRA 's requirements, I kindly request the immediate deletion of these disputed accounts from my credit report, ensuring compliance with federal law.

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 2023-10-05 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: FL

Complaint narrative:
I have initiated disputes for the listed items on my credit report, and I have serious doubts regarding the thoroughness of the investigation conducted by your company. Regrettably, the requested evidence to substantiate the account has not been provided, and the documents I submitted as proof of the inaccuracy of these items have seemingly been overlooked. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ), your company is obligated by federal law to undertake physical verification of the original signed certified consumer contract for all accounts submitted for posting or reporting on a credit report. Given the absence of this essential verification, I insist that these accounts be promptly removed. 
In light of the FCRA 's requirements, I kindly request the immediate deletion of these disputed accounts from my credit report, ensuring compliance with federal law.

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 2023-10-05 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: NY

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX Information XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ref : XXXX Dear American Express I applied for an american express platinum credit card on XX/XX/2023 and got denied. Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is securities fraud. You are violating the Equal credit Opportunity Act and Consumer Credit Protection Act. 

Since you are denying me access to my credit, please retract my application. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Data Mortgage Inc.
State: MD

Complaint narrative:
My account is on a XXXX plan. I called and set up XXXX automatic payments in advance. I do not see where payment was taken out of my account. Called to speak with someone about the status of the XXXX withdrawal for the last XXXX days. Loan was also sold from Essex mortgage to Essex mortgage?? Originally, The customer service numbers would not allow me to leave a message, it stated I would have to call back. More recently it is requesting I leave my number and someone will call back. No one has called back. I am also getting XXXX notices when I am paying the payment plan as agreed. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I was checking my balances in my savings account and noticed that Navy Federal Credit union had removed a XXXX for IRS withholding from my savings account. I called and they explained that my information on their files did not match anything the IRS had on file. This response is beyond ridiculous. I opened this account back in XXXX of this year and all information was given to them. If something is missing then the proper thing to do is to reach out ie ) a phone call, or email at least some request for contact before taking a customers funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CHARLES SCHWAB CORPORATION, THE
State: PA

Complaint narrative:
My fathers 401K was distributed back in XX/XX/2022 to XXXX XXXX and then when XXXX XXXX moved to Charles Schwab Bank the money never transferred. I was told that the amounts had been distributed and that they would transfer to Charles Schwab Bank but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX THESE INQUIRIES WERE NOT AUTHORIZED. REMOVE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CONSUMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX OF XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: NY

Complaint narrative:
On XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX. Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-05 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: FL

Complaint narrative:
This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
I have reach out to the company stating that this account is fraud

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 2023-10-05 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: GA

Complaint narrative:
I HAVE REACHED OUT TO TRANSUNION SEVERAL TIMES THROUGH CERTIFIED LETTERS PHONE CALLS. THEY STILL HAVE NOT RESOLVED THIS MATTER. I HAVE A REPORT FROM THE POLICE AND FTS REPORT AS WELL. THIS IS MATTER IS HINDERING MY CHANGES AT BUYING A HOME, AND HAS PUT A GREAT DEAL OF EMOTIONAL STRESS ON ME. THIS HAS HINDERED ME IN JOB OPPORTUNITIES AND MY LIVELIHOOD. THIS IS A DEFLAMTION TO MY CHARACTER AND ALSO AGAINST THE LAW. 
In accordance with the fair credit Reporting act XXXX Account # XXXX  has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX  Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Exodus Movement, Inc.
State: GA

Complaint narrative:
Exodus- I transferred {$2500.00} on XX/XX/23 at XXXX XXXX. When I went back to retrieve money, someone had stolen from my account. They assigned a special security number that was written down. So how is this possible?? 

On XX/XX/23 at XXXX XXXX, from my secured account, someone purchased Bitcoin in the amount of {$500.00} and another transaction on XX/XX/23 at XXXX XXXX, in the amount of {$1800.00}. 

On XX/XX/23, they sold Bitcoin {$1400.00} at XXXX XXXX, and XX/XX/23 sold Bitcoin for {$900.00} at XXXX XXXX. 

All my funds disappeared.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: SameDay Auto Finance, LLC
State: TX

Complaint narrative:
I submitted a complaint to which your company stated that you could not verify the account with the information provided. According to the FCRA, this is a violation and grounds for removal. Your company also asked to provide the account listed on my credit report. I have attached the account in question. Your company should have record of all accounts being furnished to the CRA 's. You are reporting inaccurate information, and I am requesting the removal of this account from my credit report immediately. The location of the specific branch is XXXX Tx. However, if I have to take this to small claims court, I will be suing the company as a whole.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX COMPANY : PAYPAL. ACCOUNT NUMBER : XXXX I put my paypal credit report that has many errors already marked for you to identify them and also the document where I pay them has doubted in its total. 

And they agreed to remove everything late payment 's and remove everything in 30 days and they haven't done it yet I hope you will help me with this inconvenience because it is affecting my credit history. I hope that in 30 days they will remove it immediately and update my credit history.

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 2023-10-05 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: FL

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation