vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Credit Bureaus, I just got another copy of my credit report and still seeing inquiries that I have no knowledge of or give consent to. Once again, according to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report.

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.

The following companies did not have permission to request my credit report : Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

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 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
Consumer complaint received 2023-12-19 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Credit Bureaus, I just got another copy of my credit report and still seeing inquiries that I have no knowledge of or give consent to. Once again, according to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report.

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.

The following companies did not have permission to request my credit report : Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

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 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
Consumer complaint received 2023-12-19 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: UT

Complaint narrative:
Subject : Formal Complaint Regarding Account Closure and Non-Release of Funds with Bank of America XXXX XXXX XXXX Account I am writing to express my deep concern and to file a formal complaint about the handling of my business account by Bank of America. This letter pertains to the abrupt closure of my company 's account, XXXX XXXX XXXX, and the subsequent issues with the release of our funds. 

**Account Closure and Mismanagement of Funds : ** - XXXX : ** I was informed by Bank of America that they would no longer support my business and decided to close my account at their discretion. No viable reason was provided for this decision. On the same day, I was assured that a cheque for the account balance of {$15000.00} would be mailed to me within 7-10 days. 

**Subsequent Events : ** - Despite the promise made on XX/XX/2023, the cheque was not received within the stipulated time frame. 
- Following this, I made several calls and visits to the bank, only to be given inconsistent and misleading information regarding the status of my account and the release of my funds. 
- As of the date of this letter, the funds remain unreleased, causing significant operational and financial strain to my business. 

**Impact on My Business : ** The sudden closure of my business account and the withholding of funds have left my business in a precarious position. Without a viable business account and access to our funds, our ability to operate efficiently and meet our financial obligations has been severely compromised.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XXXX XX/XX/2023 I provided written notice to Early Warning Services to opt out of any and all authorization. No response was provided. On XXXX XX/XX/2023 at approximately XXXX ; XXXXXXXX XXXX I contacted Early Warning Services to opt-out of their services, which I was informed that it can not be done. I also requested proof of who gave authorization to have my information without my written consent. That couldn't be proved or provided to me as well. My bank terms and conditions states that they do not give information to non-affiliates. I am requesting that XXXX XXXX XXXX comply with XXXX CFR XXXX Form of opt out notice to consumers ; opt out XXXX XXXX XXXX XXXX with respect to disclosures of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: VA

Complaint narrative:
XX/XX/2023, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies. This bankruptcy is listed with all of the credit bureaus and here. How did the credit bureaus verify my bankruptcy as 100 % Accurate. Your company did not get this information from any clerk at the courthouse since they do not report. You have violated my rights. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/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 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am the executor of the Estate of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX, deceased XX/XX/XXXX, duly appointed executor by XXXX XXXX, Washington, XXXX XXXX on XX/XX/XXXX. 
The estates papers showed the deceased had a bank account at USBank, Account # XXXX with a balance of {$36000.00} a/o the bank statement dated XX/XX/XXXX. 
Upon requesting access to the account, USBank informed the executor that the account had Beneficiary Designations signed by XXXX XXXX assigning XXXX of his daughters as account beneficiaries. A copy of the Beneficiary Designation was requested, but USBank informed the executor that would require a subpoena. 
A court-issued subpoena, specifically requesting " All documents showing beneficiary designations for any account held by XXXX XXXX XXXX '' was duly served on USBank 's legal representative in XXXX and in response, USBank produced some documents but no Beneficiary Designation document. USBank further claimed that it has now produced all documents that it has in its possession relating to the XXXX XXXX XXXX account. 
Absent the production of any document authorizing USBank to disburse elsewhere any funds in the XXXX XXXX account ( {$36000.00} per the XX/XX/XXXX, bank statement ), USBank should disburse those funds without delay to the 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
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERIS BANCORP
State: FL

Complaint narrative:
Ameris Bank XXXX XXXX XXXX, FL - Not accurately or correctly in a timely manner posting transactions or pending transactions. Sometimes to the point of causing undue or derelict account balances when debit card has not been used for days or weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
They still have not fix my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: NY

Complaint narrative:
They still have not fix my 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 2023-12-19 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am writing to file a formal complaint against Affirm Inc., located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, regarding an account that was opened fraudulently in my name, which I believe to be a serious error and a case of identity theft. This unauthorized account has had significant negative impacts on my financial situation, including being denied housing, leading to financial hardship and homelessness. XXXX Account Details for Reference : Account Number : XXXX Company : Affirm Inc . 
Incident Description : I recently discovered an account listed on my credit report under the name of Affirm Inc. that I never authorized or opened. I have no knowledge of this account, and I firmly believe that my personal information has been used without my consent. The presence of this unauthorized account has severely affected my credit score, resulting in the denial of a housing application, which has directly contributed to my current state of financial hardship and homelessness.

Actions Taken : I have already contacted Affirm Inc. to dispute this account but have not received a satisfactory response or resolution. 
I have also filed a report with [ local law enforcement or appropriate agency ] regarding this suspected identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I first noticed charges on my Southwest charge card ending in XXXX while doing my taxes this year. The amounts were small but they hit once or twice a month label XXXX ( XXXX ). I immediately called the company and shared my discovery that was in XX/XX/XXXX, Chase XXXX XXXX. The claim was accepted and to stop future fraud charges the card number was changed to # XXXX. They removed all the charges and sent a new card. Then the next thing they did was deny the claim and place all the charges on a new card with a lower credit limit. When I called, them they could not explain why the charges were reversed and placed against the new card with the lower credit limit. 
Before this complaint, I was told by the representative that they needed proof of my XXXX log, I sent copies that dated back to XXXX, with an explanation that the only charges that were me were the ones in XX/XX/XXXX, specifically XX/XX/XXXX, XXXX, XXXX. The fraud changes started after my visit to XXXX XXXXXXXX XXXX XXXX XXXX 

I was told today that I pay the bill regularly, I yes because I do not want this to affect my credit history while they work it out. I spoke with Representative XXXX XXXX acting supervisor ) - no last name. XXXX XXXX XXXX XXXX XXXX number- I was told I can call back to XXXX - XXXXXXXX XXXX XXXX is XXXX no further information was given to me. 

The employee XXXX told me I was too late by federal law but the website states : With Chase 's Zero Liability Protection, you wont be held responsible for unauthorized charges made with your card or account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: MO

Complaint narrative:
Experian closed yet again another complaint without addressing the issue like the hundreds of others

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 2023-12-19 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: GA

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payactiv, Inc.
State: IL

Complaint narrative:
on XX/XX/2023, I went to the XXXX cash station machine located at the local grocery store. When I went back to the machine on XXXX all my funds were gone totaling {$7600.00}. I contacted the telephone number on the back of my debit card and was told to complete a customer statement of disputed transactions. I completed the form and returned in a timely manner. The summary of their findings, purchases/withdrawals authenticated with chip or pin, indicating my card was physically used to perform the disputed charges. I don't understand how this is possible because as I explained to them that my card has been in my possession, and I have not Shared any of my personal information or given authorization for my debit card to be use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
Reference : Dovenmuehle Mortgage , Inc . 

In XX/XX/XXXX, I received a notice advising that effective XX/XX/XXXX my mortgage would increase to {$880.00} as a result of my required reserve balance being {$150.00} ; and that the difference between the projected low point and required reserve balance was {$470.00}. I called your office and asked if I can send an additional payment of {$470.00} along with my XXXX XXXX mortgage payment, to replenish the reserve balance ; whereby starting XX/XX/XXXX my mortgage would remain the same of XXXX. 

As such I was told over the phone that yes I could send an additional payment of {$470.00} along with my normal mortgage payment of {$800.00}. To which the {$470.00} would be applied to my reserve balance. Therefore on XX/XX/XXXX, I sent both a payment of {$800.00} ( for XXXX XXXX mortgage payment ) and {$470.00} to be added to my reserve balance. I even wrote a memo note on the front of the check for {$470.00} that read reserve balance update. 

As a result of both of these payments not being applied correctly, my XXXX payment that was received by your office on XX/XX/XXXX was not applied correctly, nor has the current XXXX mortgage payment that was just received applied correctly. To which a downstream effect has caused my account to be in the past due category to which I do not understand. 

Each month, I've paid my mortgage on the XXXX of every month, where either my payments are not applied correctly, or not applied at all. To which I subsequently receive collection notices for past due mortgage payments that have been received and cashed. 

In calling to try an rectify, I've been told to send emails to their customer dispute line, to which I've sent a total of XXXX emails and the issue is still not resolved. 

For example - I made my XX/XX/XXXX 's mortgage payment on the XXXX of XXXX. Whereby the payment was cashed by Dovenmuehle Mortgage , Inc. on the XXXX of XX/XX/XXXX - Yet on the XXXX of XXXX I received a collection notice in the mail advising my XXXX payment was not paid.

Company response to consumer: Closed with explanation