vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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: MI

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-12 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one has refused to unblock my credit card. My card has been restricted since last year. Last year in XXXX my entire wallet was stolen. The individual who stole my wallet also used all credit cards but also compromised my checking account with XXXX. Instead of Capital one helping me they restricted my card and left me to pay all of the fraudulent charges. They keep saying in order to have my card unrestricted I must prove my bank account is mine. I have done that over 3 times and they also called the bank and they verified that I did indeed own the account. Last year the person who stole my wallet made fraudulent transactions and payments. XXXX froze my account because it was so horrible. They didnt allow any transactions on the account. When Capital one called XXXX they told them every payment I made but the payment the person made didnt show up and they are stating this is why they wont unblock my account. I have paid down all of the fraudulent charges and they wont even unrestrict my account stating they need more proof I own the account even though I sent over bank statements and they talked to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CT

Complaint narrative:
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 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor 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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Unauthorized and unfamiliar inquiries reporting on my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-05-12 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/2023, I tried to withdraw money from an ATM, but it did not dispense any funds. However, the amount was deducted from my card. As a result, I filed a dispute on XX/XX/2023. Despite that, I have not yet received a refund from XXXX and I urgently require the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-05-12 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: GA

Complaint narrative:
XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$430.00} Balance updated XX/XX/2023 XXXX  Original creditor XXXX XXXX  XXXX XXXX XXXX  Balance {$170.00} Balance updated XX/XX/2023 As per the Fair Credit Reporting Act, I have identified several accounts that have violated my rights under the law. Specifically, I believe that the consumer reporting agencies have furnished information without my written consent or knowledge, which is a violation of my right to privacy under Section 1681b of the Act.

Additionally, I would like to highlight the provisions of Section 1681c of the Act, which state that consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report, and to allow consumers to dispute and correct any inaccuracies in their credit reports.

Therefore, I am requesting that the consumer reporting agencies take immediate action to correct any inaccuracies in my credit report and ensure that all accounts are being reported in compliance with the Fair Credit Reporting Act. 

XXXX XXXX Original creditor XXXX XXXXXXXX XXXX Balance {$420.00} Balance updated XX/XX/2023 XXXX XXXX XXXX XXXX  Balance {$2500.00} Balance updated XX/XX/2023 XXXX  XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$980.00} Balance updated XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Last year I received a promotional flyer from TD bank in my mailbox. This promotion was a bout a welcome offer bonus of {$300.00} dollar, when you met the following requirements : XXXX XXXX XXXX XXXX Checking account. 
XXXX. Get paid by Direct deposit at least {$2.00} within 60 days of the account opening. 
I went to the TD branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX, ( XXXX ) XXXX. 
Showed up with the promotional flyer and my personal documentation to procced the with account opening, when I got at the branch, I spoke with the BRANCH MANAGER AND THE BANKER who helped me through the process mentioned me, that I was good to open the account and get the promotion if I met the mentioned requirements. 
I opened the account on XX/XX/2022 and I got the first direct deposit FROM XXXX XXXX PAYROLL on XX/XX/2022. 
Today is XXXX, and the welcome offer they promised me isnt received yet. 
I contacted TD customer service by secured messages since XX/XX/XXXX, explained the situation and theyre just going back and forth with me. What their saying is that their promotional department couldnt find my promotion. I am so upset at this point, is not fair because I am a customer like any other TD customer, I meet all requirements and I deserve the same benefits even more because I had the promotional flyer. 
I demand TD bank an answer as soon as possible, why I must refer this to the CFPB instead of just receive the benefit automatically like all your other customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12 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: GA

Complaint narrative:
After obtaining a copy of my credit report, I exercised my right under 15 USC 1681I ( 5 ) to request that the credit bureaus verify the accuracy of the information contained within it. Despite waiting for 30 days, the results of the investigation remained unchanged. The consumer reporting agencies, including Equifax, XXXX, and XXXX, did not modify or remove any information from my report. 

I have identified several inaccuracies within my report, including the incorrect date open, date last active, and date of last payment. These errors constitute a violation and are preventing me from being able to purchase a home. The impact of these inaccuracies on my credit report is significant, and I am requesting that the credit bureaus take immediate action to correct these errors in accordance with the law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX DPT ED/XXXXXXXX LATE PAYMENT XXXX XXXX XXXX LATE PAYMENT XXXX XXXX XXXX LATE PAYMENT XXXX XXXX Balance {$2600.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After obtaining a copy of my credit report, I exercised my right under 15 USC 1681I ( 5 ) to request that the credit bureaus verify the accuracy of the information contained within it. Despite waiting for 30 days, the results of the investigation remained unchanged. The consumer reporting agencies, including XXXX, Experian, and XXXX, did not modify or remove any information from my report. 

I have identified several inaccuracies within my report, including the incorrect date open, date last active, and date of last payment. These errors constitute a violation and are preventing me from being able to purchase a home. The impact of these inaccuracies on my credit report is significant, and I am requesting that the credit bureaus take immediate action to correct these errors in accordance with the law. 

XXXX XXXX POTENTIALLY NEGATIVE XXXXXXXX XXXX  POTENTIALLY NEGATIVE XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE XXXX XXXXXXXX POTENTIALLY NEGATIVE XXXXXXXX DPT EDXXXX LATE PAYMENT XXXX XXXX XXXX LATE PAYMENT XXXX DPT EDXXXX LATE PAYMENT XXXX XXXX Balance {$2600.00} 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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In order to erroneously deny me a credit limit, Citi Bank lied and invented random disinformation that my balances are too high. My balances are about 1 percent of my credit limit. Why cant XXXX XXXX simply tell the truth and just have her people say they are really worried that the federal government will do a default rather than just randomly making up false information? Such defamation is despicable and disgusting.

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 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: ND

Complaint narrative:
My mortgage payments were on autopay with our bank XXXX XXXX. XXXX  was in middle of an upgrade where autopay did not send XX/XX/2023 mortgage payment. XXXX XXXX/Nationstar Mortgage LLC serviced by Mr Cooper ( mortgage company ) did not notify me of a missed payment until following month, no attempt of communication was performed within the 30 days of late payment. Servicer said they called on XX/XX/2023 to ask about late payment. No evidence on my phone records show a call. No voicemail was made. No email was sent out regarding late/missed payment. Even after explaining what had happened with XXXX about upgrade failure, mortgage servicer would not file to remove credit penalty. I have attached my phone records with highlights of the day they claimed to have called me, on XX/XX/XXXX, which no call was made. Phone shot record shows no calls were incoming from XXXXMr Cooper on XX/XX/XXXX. On XX/XX/XXXX, you will see a highlight of their call to tell me XXXX was late, as the fix hadnt been made until that notification. I paid both XXXX and XXXX on that date. Had I known XXXX was late with a phone call XX/XX/XXXX, I would have made immediate payment. As you can see on my payment photo, after our call on the XXXX of XXXX, both payments were posted. XXXX XXXX is our bank, I can provide documentation that an upgrade has been in the process for months now and no notification was made to us that a missed payment was made. I have attached a conversation with the servicer where they say they will call on day 2 and send a letter. I have also attached the part where the letter should be shown that was sent in XXXX that I have a late payment. No letter exists.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CA

Complaint narrative:
For our Bank of America XXXX XXXX  XXXX credit card, we made a payment on the due date XX/XX/2023 using a Bank of America checking account. The DUE date on their business website shows due date being XX/XX/2023 which is the day we submitted the payment. 

The bank is claiming the payment didn't post until XX/XX/2023 and so they erroneously charged {$39.00} + {$48.00} in late fees and finance charges which seems obviously a case of gouging and attempt to charge us unjust fees. 

I have attempted to speak to their customer service team 3 different times including with a supervisor about this matter and all they keep saying is this account isn't eligible for a refund.

Despite us having an eight year business banking relationship history with Bank of America, they refuse to try and help at all and are insistent the fees are valid. 

We're hoping the CFPB can assist in this matter and help other consumers know the unethical business practices that Bank of America is conducting.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX. XX/XX/2023 I received text alert from XXXX regarding a deposit from someone i dont know. I imediately call My bank PNC. They advised me i have to wait until the transaction posts to return it, because it is XXXX. under pending. The bank would have the person who XXXX me info, i dont know the person so i can not reach out. Monday still pending, tuesday morning i try to send it back i get alert " service unavailable call PNC ''. I was then notified by PNC i have no access to use XXXX they reserve the right, i have no access to online banking, my direct deposit my money in frozen the investigation can take up to 30 days. My kid has XXXX and XXXX, im a XXXX XXXX  XXXX with no access to my money. This is illegal. How can thet just do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: OR

Complaint narrative:
Experian is reporting a fraudulent report on my consumer report. I already sent them a FTC report that I submitted and they responded that they are leaving it on my account because they think it was submitted in error and it was not I intentionally filed a FTC report because the account is fraudulent. They are violating the Fair Credit reporting act by not blocking and removing this information from my consumer report within 4 days of receiving the FTC report. This is very upsetting and I am being taking advantage of by Experian and I am going to have to take the next steps to resolve 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