vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, I applied for a new BoA credit card online on XX/XX/XXXX. Then I received an email on XXXX saying my application was approved and should expect to receive the physical card in XXXX business days ( which is between XX/XX/1823 ). 

However, on XX/XX/XXXX, which is before the expected card arrival date, when I log into my BoA banking system, I noticed some charges ( XXXX in total ) were post under this new card. I never received the card, nor did I have a chance to activate the card. So the charges must be credit fraud. I contacted the customer support of BoA immediately. The agent helped me to close that card, ship a new card to my home, and create a ticket to research my case. The mis-charged amount was also temporarily removed from my account. I thought the issue was resolved. 

On XX/XX/XXXX, I noticed those amounts were charged back to my account. I went to the secure message center to check my case status. It was closed with the conclusion that my card was actually used by myself or someone I have authorized too, or it was simply lost because of my mistake. Therefore the bank refused me to dispute the transaction. But my point is, if I never received the card, why it is considered my fault to lose the card? Plus, the address I put in the application is my current address. So there is no way for them to send the card to another location. Plus, how did the card get activated? Thought my phone sms code? - My phone was not lost and I never got or sent code for that. I reached out to their customer support again. This time, their response literally shocked me. The agent said they can not help my case further because the card was indeed used. I asked further details about why it can be used without activation, or if they can provide further details about how my card was activated. The person literally said no the card can be used without activation. If it's true, I feel the entire authentication system of BoA is concerning. I don't even feel comfortable to keep the other account I opend with them, since I'm not sure if my money is safe under such a vulnerable platform. 
Besides even if they want to do this, can they at least make sure the card sent can be securely delivered to the customer? Otherwise, why it's the customer responsibility to pay the cost? What mistake they have made?

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 2023-01-27 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 — Was not notified of investigation status or results
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth : XX/XX/1968 SS # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX. 
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : The following information is incorrect 1. Validate And Verify debt DISCOVERBANK Account Number : XXXX Please remove it from my credit report. 

Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I put in a dispute on XXXX XXXX for a fraudulent purchase i didnt recieve from a merchant in the amount for XXXX i try calling the merchant to resolve the issue can get i touch with no one before the dispute.Ive called comenity bank over XXXX time trying to get my money back for a product I didn't recieve and nobody is helping me its been 6 months and every time I call the change the date when the dispute was put in and they erase all the conversations and the call ive made and start my process all over again.Now they say the dispute was just put in on XX/XX/XXXX and I have to wait another 60 day ive sent in email of every conversations I had with the merchant and still they won't say nothing or give me back my money i pay my card off faithfully every month please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27 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: NY

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Due to my understanding Merrill Lynch weath management an other account who was holding on to my stocks an bonds was using my account with notifying me due to my personal information change in the data systems due identity theft I requested to redeem my asset they holding that is my asset identity theft change my personal information so I want have assistance to my personal property I am redeemed my asset this is evidence showing my asset

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 2023-01-27 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: MD

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 XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} 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 non-monetary relief
Consumer complaint received 2023-01-27 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX : {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX and multiple banks like XXXX 's score powered by XXXX XXXX  XXXX XXXX XXXX all say i have scores in the XXXX to XXXX for years. I paid XXXX XXXX on time payments since I was a XXXX XXXX XXXX kid and paid XXXX XXXX on time for over a decade as XXXX brought up in a low income minority. My credit use is XXXX % now. i took pics that show a bit higher but still in the green. XXXX derogatory marks, over XXXX accounts, and only XXXX hard inquiry from like XXXX  years ago. and XXXX  year average which is only XXXX XXXX of your score. I took pictures of mine and my friends who has a similar credit score. XXXX vs my XXXX. He has XXXX XXXX payment history over XXXX late payments. a XXXX XXXX is lowest red. He got XXXX XXXX XXXX  XXXX  card usage vs my XXXX XXXX. a {$2000.00} credit limit vs my near {$50000.00}. only XXXX accounts vs my XXXX. My score was this low for years. His was about this as well for a year or so. If I buy a house for my future wife and kids, I will be charged an extra XXXX XXXX in interest. It feels discriminatory that I get this score reported on multiple banks and XXXX XXXX while having XXXX XXXX  marks for finance for over a decade since I was a kid always paying everything off on the due date. While an irresponsible rich person with over XXXX late payments and over XXXX XXXX usage has the same score I do. I tried contacting the bureaus but they never pick up. And say to use the mail. Another friends i took pictures of. I'll even record all of it if you want. XXXX XXXX XXXX hard inquiries XXXX greens, XXXX yellows has almost XXXX SCORE! I have XXXX greens, and XXXX partial red XXXX  year average only XXXX XXXX of total score. I used to compare with others at university to see many of my professors grading boys far harder than girls which is discrimination. There are many cases of banks discriminating against minorities all over the internet. I really hope that's not the case and the computer just acting funky. I would really like an explanation to what is happening. It's not necessary, but if I can get a fair credit score again using the XXXX XXXX XXXX XXXX formulas I should be easily over XXXX especially if a XXXX XXXX history with XXXX hard inquiries can get people an XXXX. I am just looking out for my future wife and kids, and these horrendous interest rate and hopefully fairness. I have no ill will or blame against anyone and I realize humans and computers make mistakes. Please fix my score to make my family 's life easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX and multiple banks like XXXX 's score powered by experian, XXXX  XXXX XXXX XXXX all say i have scores in the XXXX to XXXX for years. I paid 100 % on time payments since I was a XXXX XXXX XXXX kid and paid 100 % on time for over a decade as one brought up in a low income minority. My credit use is 0-5 % now. i took pics that show a bit higher but still in the green. 0 derogatory marks, over 20 accounts, and only 1 hard inquiry from like 2 years ago. and 4 year average which is only 10 % of your score. I took pictures of mine and my friends who has a similar credit score. XXXX vs my XXXX. He has 80 % payment history over 30 late payments. a 96 % is lowest red. He got 80 %! 60 % card usage vs my 0-5 %. a {$2000.00} credit limit vs my near {$50000.00}. only 10 accounts vs my 20+. My score was this low for years. His was about this as well for a year or so. If I buy a house for my future wife and kids, I will be charged an extra XXXX XXXX in interest. It feels discriminatory that I get this score reported on multiple banks and XXXX XXXX while having 100 % marks for finance for over a decade since I was a kid always paying everything off on the due date. While an irresponsible rich person with over 30 late payments and over 60 % usage has the same score I do. I tried contacting the bureaus but they never pick up. And say to use the mail. Another friends i took pictures of. I'll even record all of it if you want. 98 % 3 hard inquiries 3 greens, 3 yellows has almost XXXX SCORE! I have 5 greens, and 1 partial red 4 year average only 10 % of total score. I used to compare with others at university to see many of my professors grading boys far harder than girls which is discrimination. There are many cases of banks discriminating against minorities all over the internet. I really hope that's not the case and the computer just acting funky. I would really like an explanation to what is happening. It's not necessary, but if I can get a fair credit score again using the 35 % 30 % formulas I should be easily over XXXX especially if a 98 % history with 3 hard inquiries can get people an XXXX. I am just looking out for my future wife and kids, and these horrendous interest rate and hopefully fairness. I have no ill will or blame against anyone and I realize humans and computers make mistakes. Please fix my score to make my family 's life easier.

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 2023-01-27 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: IL

Complaint narrative:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account inaccordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
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 2023-01-27 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: MD

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 XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-01-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened an XXXX XXXX XXXX XXXXXXXX XXXX account with PNC around mid of XX/XX/XXXX. There was a XXXX of {$400.00} when you establish total qualifying direct deposits of {$5000.00} or more to the Spend account. 

On XX/XX/XXXX, there was a DIRECT DEPOSIT from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unemployment account of {$4700.00}. Then other DIRECT DEPOSITS from my employer on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totaling {$4200.00}. Clearly, it shows that I am well beyond the {$5000.00} deposit requirement PNC is requiring. 

However, after a phone call on XX/XX/XXXX with a rep from PNC, I was informed that the {$4700.00} DIRECT DEPOSIT from my XXXX XXXX XXXX Unemployment account won't count towards the bonus. 

In XXXX, one can't ask the XXXX, the Unemployment agency, to deposit the funds into any random Checking account. Funds are dispensed into an XXXX XXXX XXXX XXXX  account, and from there, it can be transferred to any personal checking/savings accounts. 

Now, PNC doesn't want to recognize the DIRECT DEPOSIT transfer that was made from my Unemployment account as a LEGIT DIRECT DEPOSIT so I can qualify for the {$400.00} Promo. 

These are all very misleading tactics orchestrated by PNC as their fine print shows that a direct deposit from an employer or an outside agency ( Social security, payroll, benefits, etc... ) will suffice as a requirement for their {$400.00} bonus.

Company response to consumer: Closed with explanation