vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2024-01-03 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: NY

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 non-monetary relief
Consumer complaint received 2024-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have no knowledge of these hard inquiries involved with identity theft and it must be removed with you guys no later than XXXX business days as per 15USC 1681 c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXXXXXX 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 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 2024-01-03 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/2023, I bought a prepaid American Express gift card for {$310.00}. I paid the extra {$5.00} fee, so that was {$310.00}. I called to activate it, and attempted to use it multiple times. Very shortly after, it had two major payments used that werent me. I called and asked for a check refund several times, or a replacement card. I bought this gift card from my local XXXX, and have had issues with my money being stolen off my card before. I never used any of the money on this card, and it was entirely stolen by American Express. I called several times to get answers, and they had no explanations. I was put on hold for hours at a time. Im just looking for a reimbursement check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX : Transferred {$5000.00} via ACh from All in XXXX XXXX XXXX XXXX XXXX  to BMO Alto. 
XXXX : XXXX 'd {$5.00} via ACh from XXXX XXXX BMO Alto. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wired {$210000.00} to BMO Alto, who rejected the Wire, charged me {$31.00} Wire Reject Fee. BMO Alto insisted that XXXX assessed this Fee. XXXX stated that BMO Alto didn't know what they were talking about : BMO Alto removed {$31.00} before returning the remainder of Wire to XXXX. 
-- BMO Alto only later stated they don't accept Wires & apologized that their website doesn't mention this (! ). 
-- BMO Alto has 1/ No Chat communication 2/ No Mobile App 3/ No regular Customer Service via e-mail 4/ Long hold times for phone service. 
-- After BMO Alto fumbled my Wire Transfer, I decided against doing further business w/ BMO Alto and to close my Account instead, as BMO Alto had given many indications in a rapidly short amount of time that they had no idea what they were about. 
XXXX : Requested online ACh Transfer of {$5000.00} from BMO ALTO  XXXX Account to XXXX to consolidated my funds. I had waited until my funds were " available '' for Ach Transfers, as BMO Alto had advised. 
XXXX : BMO Alto froze my Account due to their claim of " fraud. '' BMO Alto LOCKED Access to my own Account. BMO Alto refused my request to close my Account and return my funds. BMO Alto is demanding XXXX Verification of XXXX XXXX XXXX Copy of my Photo ID ( driver 's license ) " or else '' they won't unfreeze my Account. BMO Alto claims that if I don't send these two documents, I must wait 30-days for the Account to be closed and have my funds restored to the rightful Owner, myself. 
-- Is the BMO Alto Rep. I talked to in their Fraud Dept. overseas? She claimed they're " in Florida. '' Impossible to verify their e-mail address for sending a photo ID, which opens me to identity theft risks. 
-- I discussed ACh Transfers earlier w/ BMO Alto. I was given no warning they'd freeze my Account. Only that I had to wait for the Funds to become available, which condition I had met.

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 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Request for Information and Removal of Accounts Dear TransUnion, I am contacting you regarding several entries from XXXX XXXX XXXX XXXX XXXX that were recently disputed and subsequently validated. Kindly provide me with the information used to validate these accounts. If the validation for the XXXX account can not be verified within 15 calendar days from the receipt of this document, please proceed to remove the account immediately. 

Additionally, the XXXX XXXX  account has exceeded the statute of limitations and must be deleted from my credit report promptly. I have verified this information with the Attorney General of Ohio. 

Furthermore, the XXXX  XXXX bankruptcy listed on my account contains inaccurate information that requires correction or verification. 

Thank you for your prompt attention to these matters. 

Sincerely, 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 2024-01-03 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: MD

Complaint narrative:
This account and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Lam demanding the deletion of the accounts listed Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I signed up for an American Express delta rewards credit card XX/XX/2023 from a link that offered XXXX bonus miles after {$2000.00} spent in the first 6 months if I signed up before XXXX XXXX. I did and was approved for that time period. I was later only given XXXX miles and the company said that is what was offered. I sent them proof of my documents, and they wont send me their proof. Just keep saying that is what I signed up for and no proof. They wont look at my supporting documents because they say they were never uploaded even though I have screenshots of them saying they were confirmed submitted. They now say they will not help me anyone and XXXX still left with no proof

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-03 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: AK

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-03 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I already submitted a dispute to the other credit bureaus regarding this issue, and they have already removed it from their records. They found an error and were able to verify it. I'm confused how you've verified this account while the other bureaus have already removed it. Please delete this account from my file. It is inaccurate, erroneous, incomplete, or unverifiable. I was the victim of identity theft, and I'm not sure why the credit reporting agency is not complying with the law. The other bureaus have followed suit. I'm very confused why this one seems to ignore my requests. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$6400.00} and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I write to express my extreme frustration and disbelief at the continued reporting of inaccurate information on my credit report. This issue pertains to the following account : XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$23000.00}. XXXX and XXXX have taken the responsible and legally mandated action by removing this account from their records after acknowledging the error. Despite their compliance with my requests, your bureau persists in reporting inaccurate, erroneous, and unverifiable information. I have attached supporting documents, including a police report filed with XXXX XXXX Police Department under report # XXXX XXXX and XXXX, along with an FTC report bearing report # XXXX. These documents serve as irrefutable proof of the inaccuracies and the fraudulent nature of this account. My confusion deepens as to why your bureau continues to ignore my pleas and neglects to comply with the law. The Fair Credit Reporting Act ( FCRA ) clearly mandates the removal of inaccuracies, especially when they are substantiated with evidence.

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 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I already submitted a dispute to the other credit bureaus regarding this issue, and they have already removed it from their records. They found an error and were able to verify it. I'm confused how you've verified this account while the other bureaus have already removed it. Please delete this account from my file. It is inaccurate, erroneous, incomplete, or unverifiable. I was the victim of identity theft, and I'm not sure why the credit reporting agency is not complying with the law. The other bureaus have followed suit. I'm very confused why this one seems to ignore my requests. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$6400.00} and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8900.00}.

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 2024-01-03 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: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting 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:
I've contacted XXXX Credit Bureaus regarding XXXX 's presence on the client 's reports. The accounts are currently under XXXX XXXX and should not be reported. To authenticate and clarify the negative account they're reporting on my personal credit profile, I asked for an acknowledged agreement and transaction history detailing the balance calculation. However, they've declined to furnish any documentation verifying this account but have been willing to include this unverifiable debt on my credit report.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Marlette Funding, LLC
State: AZ

Complaint narrative:
Approved for a Best Egg credit card 2 months ago and it never arrived, waited 3 weeks, nothing. Called their customer service to cancel the card and they assured me it was cancelled. They just reported it to XXXX as a new account! They obviously did not cancel the account.

Company response to consumer: Closed with explanation