vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Bank, in ongoing criminal identity theft misconduct and seeming like they were phishing operation, kept on calling a phone number belonging to me attempting to collect some debt from someone who I dont know. Discover will probably not respond to federal regulators to explain their interstate criminal misconduct because historically they thumb their noses at the government ( while the Biden government rolls over since the administration is all talk and no action for their donors ) and Discover believes they are simply higher than all the laws. Discover repeatedly and criminally harassingly called my telephone number. When I called the phone number back, they said they had no record of a phone call and suspected the call was a phishing call - as did I initially. All the calls had gone to voicemail- except for the last one. Someone called from the phone number - XXXX. He said he was calling for a personal financial matter- really shady. I asked who was he? He wouldnt say. He then said I was being recorded. I said he had better hope Im in a one party recording state and not a two party recording state because otherwise he would be committing a felony- and he cant hide behind Discover. I found out this was most likely not a phishing operation after last speaking to an agent named XXXX- who seemed nice when I called XXXX. However, I had spoken to a supervisor at XXXX ( the number given in the voicemail ) who thought this was a phishing operation because their systems were not linked. The employees were nice - but Discover the company is a clown show that never should be allowed to merge with XXXX XXXX without risking the financial system. Discover has a repeated history of mishandling customer information and information provided to customers- which they repeatedly refuse to ever respond to federal regulators about their misconduct. To be sure, all my accounts with Discover are currently and always have been in good standing. This was an unacceptable cross of information that seemed like a phishing attempt due to repeated harassing phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
The Citi Bank COSTCO card was charging me interest when my balance was always paid in full each month. When I called to question I told them to CLOSE this account. I have NEVER had an issue like this with ANY credit card. 

I put a lock on the card, I had to forfeit the cash back I had accumulated, and told them to close the card. 

This. month I got ANOTHER CHARGE for {$120.00} with the card locked. Apparently Costco charged a membership fee without approval. 

This credit card Company needs some serious oversight.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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.

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 explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
My bluebird card was stolen by an unknown person. They also stole my phone. They were able to change the card pin, probably by using the app on my phone, and then they used an ATM to withdraw all my funds. The Bluebird company won't refund me. I filed a formal fraud claim but they denied it. This directly contradicts their terms which says Fraud Protection. If your Bluebird card is lost or stolen, know you won't be held responsible for fraudulent charges. I have been a loyal customer for over 10 years and never caused any problems so I don't know why they are defrauding me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
There is a vehicle reporting in my credit report from Exeter Finance My identity was stolen and used to purchase a vehicleI filled out the theft package and also completed a police report and they still will not remove the account I also sent a copy of an FTC report..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
NOTICE OF DISPUTE My name is XXXX XXXX XXXX I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
Im currently residing at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Were requesting all other addresses reporting to be removed and blocked since they are NOT CURRENT and are outdated. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW and BLOCK or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
Please REMOVE this following INACURATE PERSONAL INFORMATION in my REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please promptly remove all other names, addresses and employment. These other forms of my name are not correct historical data. 
Therefore, they must be removed. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. You must respond 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. Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2024-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Dear sir, I have noticed that I have received two emails from your company resolution specialists to my address, XXXX. The sender address of both is XXXX. The one is from XXXX. XXXX XXXX on XXXX on XX/XX/24. Another one is from XXXX XXXX XXXX regarding XXXX on XX/XX/24. Same as another complain ID, I can not find out the message or whatever in my Bank of America online website account, I decline to contact with them. From the beginning, I can not understand why every time new person contact with me with the issue which I can not understand and check through the company portal. If the person in charge will clearly state in written form the concerned issue, I will read and consider the matter in issue ; therefore, please prepare the written form officially for the consideration. 
Sincerely,

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 2024-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-05-04 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: WI

Complaint narrative:
I tried to call and speak to someone at the company. They wanted me to provide personal information and i refused. I told them I never approved a credit pull and hung up. XX/XX/year> a hard credit pull was done on my credit and was NOT approved!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: FL

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.

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 2024-05-04 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:
Experian has violated 15 USC 1681g ( a ) ( 2 ) and FCRA 609 ( a ) which states that when responding to file disclosure requests, CRA 's must disclose to the consumer " the sources of information, including both the original source and any intermediary or vendor sources. According to the attached dispute response, Experian stated that it contacted " two data furnishers '' who verified the accuracy of record " XXXX XXXX XXXX XXXX XXXXXXXX '' on my credit file. Experian has failed to " clearly '' disclose the names of these two sources. Experian has also stated that disputed records are not reported by the courts they are filed ( original ) source. By refusing to provide these sources, I am unable to properly dispute and correct the errors of this record. I am requesting {$1000.00} for this violation in accordance with USC 1681n ( a ) ( 1 ).

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 2024-05-04 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: Atlanticus Services Corporation
State: MO

Complaint narrative:
I have contacted fortive and informed them that I have no knowledge to the account, and I did not give them a written consent to report extend for the letter with my name on it for authorization nothing was given XXXX/FORTIVA 120 DAYS LATE Credit Cards {$1400.00} Status Date Reported XX/XX/XXXX Payment Status 120 Days Late Amount Past Due {$130.00} Account Details Account Type Credit Card Responsibility Individual Credit Limit {$2000.00} Credit Used 71 % Highest Balance {$1800.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$130.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$22.00} Payment Frequency Not Reported On Time Payments 91 % Lender Info XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Remarks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have several charges from a non US company. I have even reached out to the head of Bank of America via email XXXX XXXX and someone from his office did call me back and left a voicemail and I have tried calling this person back for several days and no return call. I have called bank of American fraud department every single day since this has happened I have had a rep even tell me they never tied to reach out to the company and they wont refund me because it says I have charged from the same company that I didnt dispute the only reason I never disputed those was because she said she couldnt go back that far. I do not know this company I have never done business with this company Bank of America keeps sending me generic responses saying I authorized which I never did I dont even use my debit card physical I always use XXXX XXXX and cards attached I have lost my card several times where they do replace it and my account was and numbers and debit card have been compromised. I never authorized any of these transactions I keep telling them that and I have no clue what they want me to send in for proof because I dont even know this foreign company and have never had a contract with them. This was u authorized by me the account holder and I have been with bank of American since XXXX. This is a lot of moneh for a teacher who works 9+ hours a day I have talked to so many different. Fraud reps who tell me different things and all I keep saying is I dont know this company and I have never authorized any charges from this company ever. I have three claims that they keep saying they wont pay its my hard earned money and I want it back I dont knew why I have to keep fighting for whats mine based on fraud. 


Bank of America needs to do better Claim ID : XXXX Claim ID : XXXX Claim ID : XXXX They keep saying resolved claim Not paid and I keep calling and saying I didnt authorize how is this resolved and wheres the proof? They wont send me anything besides letters saying I authorized it I have been patient and keep letting them know again I dont know this company I can not even contact this out of the United States company and I want my money back. 

Even the fraud reps who I have spoken with have written extensive notes as to it not being me and my account being compromised but they say they arent the ones making the decision its another department who they cant even transfer me over to.

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 2024-05-05 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: CA

Complaint narrative:
Dear Experian Executives, I am writing to inform you about an issue in my credit report. Unfortunately, I have been a victim of identity theft and fraud. I have been working with you and other organizations to rectify my credit reports and other information. However, I have noticed that the fraudulent account belonging to my XXXXXXXX XXXX  Credit Card has reappeared on my credit report, even though it was previously removed. 

I want to let you know that this account and balance do not belong to me. I have already taken steps to have it removed from my credit report, and I would appreciate it if you could take care of this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Report Number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : XXXXXXXX Complaint You informed me that this account was removed from my credit file, yet it is still being reported. This is a continuous violation of the rules and regulations. Please remove it from my credit files immediately. 

From : XXXX XXXX XXXX Sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX DELETE 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 2024-05-05 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: FL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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