vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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: MI

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3200.00} ), XXXX XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$680.00} ), XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3500.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$400.00} XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: DE

Complaint narrative:
Please remove the following items off my credit file. The items on my credit report are reporting different on XXXX and XXXX. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt.

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 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: MO

Complaint narrative:
On XX/XX/2022 I transferred XXXX from my upgrade checking account into my XXXX checking account and as of today date XX/XX/2022 the transfer still has not be completed. I have suffered {$88.00} overdraft charges. I called and spoke to someone and was told that it usually takes 4 days to transfer, but mine is going to take 10 days. I was told it would be in my XXXX account XX/XX/2022. I still have not received this transfer and still have autopay coming out until this money is in this account which will be charged XXXX overdraft charges to accumulate. Please help me with this issue. XXXX is almost here and I dont have any money for bills, groceries, gas and the rest of my bills. 

Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
used my Bank of America XXXX credit card to purchase a hair dryer from XXXX XXXX on XXXX. The hair dryer stopped working on XX/XX/XXXX. Since XXXX only offers a 2 year warranty and I was offered a one year extended warranty though Bank of America, I filed a claim timely per attached. This claim was denied because according to the bank, they changed their card from XXXX to XXXX around the middle of XX/XX/XXXX, per the attached email and supporting credit card statements from XXXX and XXXX of XXXX. 
At first the bank denied the claim as they requested a copy of a repair bill, I asked them to read the transcript attached from the manufacturer stating I needed to include a repair bill. The manufacturer clearly stated it had to be replaced. 
The second time the claim was denied because they told me I used XXXXthe wrong credit card XXXX, so they asked me to resend proof the card actually changed from an XXXX XXXX a XXXX  which I did. 
After looking through my emails, which I attached bullet point XXXX on the XXXX accelerated rewards replacement email - I was encouraged through Bank of America XXXX continue using my card - when I now understand those benefits would not exist since their contract changed with XXXX XXXX 
In a nutshell, BOA is pinning me between XXXX and XXXX to attempt to get my {$420.00} back when this is BOA issue. Simply because they changed and keep telling me my benefits didn't doesn't make sense. I am requesting Bank of America refund me the money I am out for timely utilizing a benefit they keep telling me doesn't exist. 
All supporting documents show the purchase, full statement with the purchase, statements from when the card was changed, XXXX warranty information, chat with XXXX, claim, and emails from BOA stating everything is the same 'including benefits. ' I feel I am and probably millions of other people are being taken advantage of. This benefit is up to {$10000.00} per transaction for up to XXXX per year. I have been a customer for perhaps XXXX + years and I am asking for a {$420.00} benefit. I'm afraid they are doing this to potentially millions of customers

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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed that my personal information is incorrect. This is my second time writing you to update my personal information, Please see attached information that need to be updated.

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 2022-12-01 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: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
1. On or around XX/XX/22 BJs XXXX XXXX renewed my membership for {$55.00} without my knowledge or authorization. 2. It appears that to pay for the membership fee, BJs opened a XXXX with Comenity Bank without my written or verbal authorization or my consent. 3.This week I received a bill from BJs/Comenity Bank for {$190.00} even though I never renewed my membership or applied for a credit card. Charges were for a membership fee and various late charges and interest charges. To this day, I have not received a physical credit card and therefore do not know what my credit card number is. 

4. Immediately upon finding about this bill, I cancelled the credit card and cancelled my membership ( XX/XX/22 ). I will likely pay the {$190.00} in order to stop late fees and any poyential damage to my credit. BJs says they will waive the membership fee but won't investigate why a card was opnened in my name without my authorization. Comenity won't invetigate this matter any further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed that my personal information is incorrect. This is my second time writing you to update my personal information, Please see attached information that need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed that my personal information is incorrect. This is my second time writing you to update my personal information, Please see attached information that need to be updated.

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 2022-12-01 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: 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. 

Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX {$1300.00}, 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.

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 explanation
Consumer complaint received 2022-12-01 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: 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. 

Account name : #, XXXX XXXX XXXX XXXX XXXX  XXXX {$1800.00} Account name : #, XXXX XXXX  {$1500.00} Account name : #, XXXX  XXXX {$590.00} Account name : #, XXXX XXXX {$4100.00} Account name : # XXXX  XXXX XXXX, {$6200.00} 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.

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 explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
On XX/XX/2022, a Request for Accounting & an Official dispute was sent out to Fortiva Credit Card XXXX XXXXXXXX XXXX XXXX XXXX holding Certified mail # XXXX. Fortiva Credit Card received the request and dispute, however Fortiva failed to respond in accordance with laws and failed to provide debt validation as requested within the letter sent and received by FORTIVA. The account is being reported to the consumer reporting agencies and I have concerns regarding the account being associated with Fraud. Law requires that an account be 100 % accurate and that FORTIVA provide complete validation including a CONTRACT signed by all parties which FORTIVA has failed to provide to me. The account is fraudulent and is being reported to my consumer report in error and FORTIVA has failed to cease and desist their reporting of the account from all agencies as requested in my correspondence sent to them and received and they have failed to validate. Furthermore, FORTIVA received by dispute but failed to mark my consumer report as disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: CA

Complaint narrative:
I have multiple unknown inquiries on my credit report, after discovering I am a victim of identity theft, that have not been removed from my credit report. My credit report was given to multiple collection agencies of the identity theft charges without my consent. In addition the credit agencies still have a separate file under my former name of XXXX XXXX XXXX even after I legally changed it. The credit bureaus have illegally dropped my credit score XXXX points, increased it XXXX points and dropped it again for no reason. The credit bureaus are discriminating against the XXXX community by dropping points like this and making credit slow slower to increase points. This is discriminatory based on XXXX and/or XXXXXXXX XXXX XXXX XXXX. I have been discriminated against by all three credit bureaus as a XXXX XXXX XXXXXXXX. In addition I have several positive credit accounts that were removed from my credit profiles without my consent even though they are being reported to all three credit bureaus.

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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
The website for my XXXX XXXX would not tell me my balance. There is no way for me to use this car if I don't know the balance. It now shows it is expired. However, there is a note right above the expiration date of XX/XX/22 that says FUNDS DO NOT EXPIRE. If they don't expire, why is there is expiration date on the card. And why won't the website allow me to see the balance. When I checked a few days ago, it said the status of my card was closed. No other information. What is this suppose to me. Why don't they give more information. Are they just hoping that customers don't check on these things so they can just keep hard working peoples money? 

The card is issued by Wells Fargo Bank , N.A . pursuant to license from 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 2022-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
The state of Florida 's Homeowners Assistance Fund program agreed to make monthly mortgage payments of {$3600.00} for eight months to the mortgage company Amerihome Mortgage starting XX/XX/2022. As of today, only the XXXX payment was received, processed, and credited to the mortgage account and the mortgage company has not credited the last XXXX months of payments. I have received a letter in XX/XX/2022, from Amerihome Mortgage stating that I am not late on the mortgage and have not been late for the past two years, but the credit bureaus report that I was 30 and 60 days late on the mortgage payments. I have requested for the mortgage company and the credit bureaus to stop violating the F.C.R.A. by knowingly reporting erroneous information on my credit report, but they refuse to make the corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
CITI BANK BROUGHT IT TO MY ATTENTION THAT A PURCHASE WAS MADE ON A BRAND-NEW ACCOUNT THAT I HAD WITH THEM. AT THE TIME OF XX/XX/2022, IT WAS BRAND NEW. THEY INFORMED ME MY ACCOUNT WAS PAST DUE, AND I HAD A BALANCE. I EXPLAINED TO THEM THAT I HAD NEVER RECEIVED CARDS FROM THEM AND NEVER DID I ACTIVATED ANY CARDS. AFTER GOING BACK AND FORTH AND THE REP GAVE ME OPTIONS AND PROMISED ME THAT SHE WOULD HANDLE THE MATTER. SHE WAIVED THE LATE FEE, AND I AGREED TO PAY {$100.00} UNTIL THEY COULD INVESTIGATE. SHE ALSO VERIFIED THAT SHE COULD SEE THAT THE CARD WAS NOT ACTIVATED FROM MY PHONE NUMBER AND VERIFIED A NUMBER NOT ASSOCIATED WITH MY ACCOUNT ACTIVATED THE ACCOUNT. I IMMEDIATELY GOT UPSET AND REQUESTED TO REMOVE ALL CARDHOLDERS. SHE SAID THAT I WOULD BE ISSUED A NEW CARD WITH NEW INFORMATION. XXXX AND XXXX CAME, AND AGAIN THE SAME THING OCCURRED. WHEN I TRIED TO USE THE CARD IN XXXX, IT WAS DECLINED. CITI BANK SENT ANOTHER CARD AND GAVE ME THE SAME EXCUSE FOR 3 MONTHS. TO THIS DAY, AN INVESTIGATION HAS NOT BEEN COMPLETED. EVERY TIME I CALL THEM, THE CALLS ARE DISCONNECTED. NO ONE HAS NO UPDATES. THEY HAVE GIVEN ME THE RUN AROUND AND RUINED MY CREDIT. I HAVE NOT BEEN PROVIDED WITH NO DOCUMENTATION OF ANY INVESTIGATION THAT HAS TAKEN PLACE. MY ACCOUNT HAVE NOT BEEN CREDITED, NOR HAVE THEY RETURNED MINE OVERPAYMENT OF {$100.00}

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 explanation
Consumer complaint received 2022-12-01 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: DE

Complaint narrative:
Please remove the following items off my credit file. The items on my credit report are reporting different on XXXX and Equifax. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: DE

Complaint narrative:
Please remove the following items off my credit file. The items on my credit report are reporting different on Experian and XXXX. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt.

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 2022-12-01 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: CA

Complaint narrative:
I have multiple unknown inquiries on my credit report, after discovering I am a victim of identity theft, that have not been removed from my credit report. My credit report was given to multiple collection agencies of the identity theft charges without my consent. In addition the credit agencies still have a separate file under my former name of XXXX XXXX XXXX even after I legally changed it. The credit bureaus have illegally dropped my credit score XXXX points, increased it XXXX points and dropped it again for no reason. The credit bureaus are discriminating against the XXXX community by dropping points like this and making credit slow slower to increase points. This is discriminatory based on XXXX  and/or XXXXXXXX XXXX XXXX XXXX I have been discriminated against by all three credit bureaus as a XXXX XXXX XXXXXXXX. In addition I have several positive credit accounts that were removed from my credit profiles without my consent even though they are being reported to all three credit bureaus.

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