vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 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: CA

Complaint narrative:
Experian failed to send a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed in compliance with the FCRA ) in a timely & responsive manner & is in violation of federal regulations. 

Because Experian is in violation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must be removed from my credit file. 

Please send me an updated credit report with this information removed.

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 2023-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
As a response to a bounced payment, the TD based company in charge of the XXXXXXXX XXXX XXXXXXXX store credit card chose to reduce the credit card limit to a number intentionally below the balance on the account so as to maliciously and immediately cause severe, excessive damage to customer 's credit score. Theu reduced a limit by 87 % ( XXXX to XXXX ) to INTENTIONALLY cause damages to a person 's credit score, making it more difficult to do anything in life. Effectively a form of defamation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: NC

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 U.S.C. 1681.

1 ) Acct name XXXX XXXX XXXX XXXX XXXX XXXX  Acct name : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct name : XXXX XXXX XXXX  XXXX15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy.

*15 U.S.C.1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

*15 U.S.C.1681c ( a ) ( 5 ) : 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-2 623 ( a ) ( 1 ) ( A ) : States a person shall not 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 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 2023-08-04 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:
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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-04 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: MO

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.

has violated my rights. Or list of inquiries 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 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 2023-08-04 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: MD

Complaint narrative:
I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: KY

Complaint narrative:
XXXX XXXX XXXX Experian continue to violated my federally protected consumer rights. 

After filing my dispute with Experian verifying this account was accurate and complete, I found several inconsistency reporting on this account XXXX XXXX XXXX XXXX XXXX XXXX  It is your duty to ensure that all information reported is consistent, fair, and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item for reporting inaccurate last active date because Experian XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. All three can't be accurate. Consumer reporting agencies must be consistent and not merely parrot the furnisher information. 

15 USC 1681i ( 4 ) and 15 USC 1681i ( 5 ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
From XXXX. someone had used my debit/bank card ending in XXXX at various places such as ATM 's, gas statins, XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX, etc. This card and its information was in a seperate wallet that i do not carry with me at all times and was kept at home along with my PIN numbers and passwrds for this account and many others. All transactions are unauthorized or fraud as they were conducted without my permission and I have not received any benifit from. I have promptly notified US Bank and that I hall have zero liability for these transactions. There are additional transactions made onlince of which I need to file and report with IC3.GOV per your advise. My card was stolen. I last used and saw my debit card on XX/XX/19 either at US Bank or XXXX. And then I never saw again. 
Police report has been filed and attached.

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 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it.

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 2023-08-04 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: GA

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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 non-monetary relief
Consumer complaint received 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX TransUnion continue to violated my federally protected consumer rights. 

After filing my dispute with TransUnion verifying this account was accurate and complete, I found several inconsistency reporting on this account : XXXX Department XXXX XXXX # XXXX. It is your duty to ensure that all information reported is consistent, fair, and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item for reporting inaccurate last active date because XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX. All three can't be accurate. Consumer reporting agencies must be consistent and not merely parrot the furnisher information.

15 USC 1681i ( 4 ) and 15 USC 1681i ( 5 ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-08-04 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:
XXXX- XXXX, 2013 not belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX FIN XXXX, XXXX  XXXX XXXX and XXXXL XXXX XXXX have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: TX

Complaint narrative:
XXXX and XXXX just appeared on the consumer credit report with out having a contract or even consent to furnish private source data information, clear violation of permissible 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 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
After filing several disputes with the CFPB. After discovering this inaccurate information on my Transunion credit report back in XXXX of this year. I have sent several registered letters and filed numerous disputes/complaints, asking Transunion to simply verify the information they are reporting and claim is valid, or remove the inaccurate information from my report. However, Transunion continues to report this inaccurate information on my credit report as of XX/XX/2023. 
They are the only bureau reporting this inaccurate information. After several follow-up phone calls and being told that Transunion does NOT have to verify the accuracy and provide any proof of what they are reporting, going on to tell me that it is my responsibility to provide them with proof. 
At this point, I am left with no choice but to file another dispute through the FTC and CFPB, as well as, the XXXX 
I possess the correct information in my files and have recently provided that information to my lawyer. I have a letter from an agent at the XXXX of Maine - XXXX. XXXX Services, who handled my account personally, stating the correct and accurate information. However, I refuse to release that information, as Transunion continues to request that I do. As they are more than capable of gathering that information themselves. If they, in fact, re-investigate the dispute, legitimately, and simply provide proof of the information that they are reporting, inaccurately. XXXX continuing to claim that it is valid and accurate, without providing any proof of it. Much less a contact name and/or contact information of the person or entity that they claim provided them with the information. They are content continuing to report the inaccurate information while continuing to request that I provide them with the correct information when they are required by law to provide proof that the information they are reporting is XXXX XXXX percent accurate to me. Their dispute agents have been trained to trick people into providing Transunion with the information that they need to keep reporting whatever they please while using the information that you provide to them against you. For the last time, the information that they continue to report is completely inaccurate. Please provide me proof of its accuracy, or remove it from my report, immediately.

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 2023-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I previously filed a complaint against XXXX  because I have been trying to access my assets for 4 months and can not get to them. I have complied with their requests to validate my account, 4 TIMES, and the issue has never been fixed. 

My previous complaint number is XXXX. The response from XXXX is a lie. My password is fine and I can get into my account and see my balance but I can not get into the individual assets to sell them. I am concerned that they are not solvent and that is why they are blocking me from accessing my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I'm writing to express my concerns regarding an issue with my American Express XXXX XXXX ( XXXX XXXX account. It has been suspended since XX/XX/2023, which has prevented me from transferring points to partner airlines. 

In XX/XX/2023, I made expenditures amounting to over {$6000.00} on my card, for which I earned XXXX XXXX XXXX as welcome bonus soon after. Subsequently, some of these transactions were refunded by the merchant. I believe American Express erred in issuing the points to my account before the end of the statement period, leading to this situation. 

The suspension of my XXXX XXXX has caused significant inconvenience. As of now, I've made further purchases that exceed {$6000.00} on the card, demonstrating my commitment and usage. For reference, I have attached all relevant statements. Please unfreeze my XXXX XXXX  ( XXXX XXXX account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
Yesterday XX/XX/XXXX my Chime bank card somehow sent XXXX $ to a woman I don't know and I didn't send it and I called chime to report it and they did an investigation and said they won't give me my money back and that's theft!!!!! I'm a mother of XXXX and a teacher, so I can't lose XXXX $ so I need help getting my money now!!!! IM BEYOND XXXX and if they don't give me my money back I'll sue!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: NM

Complaint narrative:
The " resolution '' to complaint XXXX is unacceptable. 

I hereby quote the full text I sent to Optum Bank on XX/XX/XXXX : " '' '' Effective XX/XX/XXXX, please close account # XXXX. As of this date, I revoke all authorization for Optum Bank to serve as custodian or in any other way administer this account in my name. I revoke all authorization for XXXX Bank to contact me by email or other electronic methods, including text message and phone call. Please send confirmation of the closure of this account via USPS first-class mail no later than XX/XX/XXXX. 
" " '' I very clearly revoked authorization for Optum Bank to send me electronic communications. I never received any message to the email address associated with that account -- " XXXX '' Optum Bank is once again lying in their reply stating that " On XX/XX/XXXX, we received your email request and we responded via email confirming that your account had been closed with no further issues noted ''. 

I will continue submitting complaints until I receive a written confirmation of account closure mailed via USPS first class mail. 

Please note that my revocation of any form of electronic communication with Optum Bank is still in effect. 

Original complaint text : On XX/XX/XXXX, I instructed Optum Bank to close my HSA account. The balance at that time was {$0.00}. I requested written confirmation of account closure to be sent via USPS first-class mail within one week ( no later than XX/XX/XXXX ). It has now been three weeks since I instructed Optum Bank to close my account, and I have yet to receive any written confirmation from them. This is unacceptable, and is yet another example of Optum Bank 's poor customer service.

Company response to consumer: Closed with explanation