vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: ME

Complaint narrative:
Hello. I am desperate. 
I filed my taxes on XX/XX/XXXX, was approved for the refund advance through Credit karma and upon checking if it had been deposited I saw that my account was closed.

I reached out to credit karma and provided them all the documents they needed to mail a check to me ( ID, SS card, mail with my current address ).

They still havent sent my check. I call/ chat/ email them everyday. I have had a case number that Ive provided each time and they give me the same answer every time your case has been escalated someone will reach out Via email When they reach out via email, which is only about XXXX XXXX a week, they always give me the same story they are waiting to hear from Their bank of records and the request for your check to be sent has been sent to our bank Of records I am waiting for my check for {$3800.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: NY

Complaint narrative:
I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness.

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 2024-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX - Previous Complaint number or Case Number Creditor Charge Off and transferred this account to a Collection Agency and reported as a bad debt but I never received a copy of the 1099C For Care Credit Account ending in 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 2024-04-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I have a {$50.00} AmEx gift card and I tried to purchase stuff on XXXX and other retailers earlier this month and no matter what I did this AmEx gift card would not work. I tried an XXXXXXXX XXXX XXXX XXXX and individual purchases, and nothing worked. 

The irony is that it let these retailers place XXXX cent holds on the card which lowered the available balance only for the purchase to be declined. Then as I tried each purchase multiple times and on other retailers it still took XXXX cent hold multiple times that lowered my balance a few dollars and it did this for several days until the hold was taken off. 

I then searched places like XXXX and AmEx 's own website who said that they block some online retailers including XXXX do this to cut down on fraud. Thats great, but because of some bad actors you punish the rest of the AmEx gift card recipients by being unable to use this card how most people shop in 2024 ( online ) and on the biggest retailer to shop online ( XXXX ). 

This is the particular reddit post I found : XXXX XXXX XXXX Most physical and online retailers also place a hold or authorization on the gift card further removing the total balance available on the card. This makes it so once you purchase something you will not be able to use the entire balance of the card leaving it with some funds that AmEx knows will never be able to be fully used but sure enough whoever purchased the gift card or got credit card rewards to give this card as a gift had to pay the entire value of the card. 

A reddit thread is what directed me to use the CFPB and that AmEx issued a check for the total amount that was on the card so that it could actually be used by the consumer and for the full balance on the card. 

Other gift card providers like XXXX do not have this problem and I was able to use their gift cards anywhere that XXXX was accepted. AmEx can learn from them about how to be better.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXX Telephone Number and Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX In accordance with the Fair Credit Reporting act. The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15U.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 advance 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 2024-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
Please see my previous complaint and the bank resolution. Your Submission to the FDIC Reference Number : XXXX After receving the XXXX documents, I have made multiple attempts to get a hold of someone at First citizen bank through email but no one responses. I have sent the documents 3 times already so the fees can be waived but they dont seem to care and unjustly profit of their clients through charging fees. 

XXXX XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
On XX/XX/year> i received a call stating I could get some extra money in my pockets at no extra cost to me! So a I called Atlas credit co. And we initiated the process with no one explaining to me that it would start my loan balance over, so when I made my next payment no asked my balance it was at XXXX when the last time it was at {$450.00} and I only received {$190.00} so after that interaction I asked for a manager because I said they manipulated me into renewing my loan unknowingly and to me they said whenever she has time she will contact me an never did.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: U.S. BANCORP
State: MN

Complaint narrative:
During XXXX ( Covid ) and due to a XXXX XXXX  we filed a XXXX XXXX. US Bank has a second mortgage on our home property and the loan was discharged during the bankruptcy and although we did not reaffirm the loan, we continued paying. On more than one occasion, US Bank has not applied the payment towards the loan ( we have to pay via our bank/credit union because we can not access the loan online with US Bank due to the discharge ). US Bank charged late fees that currently total over {$600.00}. 

Last month I made XXXX payments in the amount and {$950.00} and {$970.00} and the statement only reflects the payment of {$950.00}. I spent hours on the phone and they claimed the payment from XX/XX/XXXX was stopped, so the XXXX payment was applied to XXXX. I have a bank statement showing that US Bank cashed a check on XX/XX/XXXX, so the payment was NOT stopped. Taking the money and not applying to my account is fraudulent and since this loan was discharged I have tried to negotiate a settlement for a lien release as we are tired of dealing with this and it has happened more than once. The amount of time I have to spend to prove the payments were made is ridiculous- I have NEVER missed a payment on this account, even after the bankruptcy and the discharge of the loan. 

I want the missing payments credited, late fees reversed and I would like the option to negotiate a settlement for a lien release.

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 2024-04-25 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: FL

Complaint narrative:
Fraudulent credit inquiry from XXXX XXXX XXXX XXXX Transunion has not removed the inquiry after more than XXXX  days.

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 2024-04-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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 would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, TransUnion, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information.

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, TransUnion, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, TransUnion, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, TransUnion, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-25 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: NY

Complaint narrative:
I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, XXXX, and Experian. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information.

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, XXXX, or Experian, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, XXXX, and Experian have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, XXXX, and Experian have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have recently noticed some inaccurate and outdated information on my consumer report that are affecting my personal life.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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

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 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: SC

Complaint narrative:
XX/XX/year> I phoned Discover card to request a credit balance I had on my account in the amount of {$140.00} be transferred to my bank account. I had no pending charges and didn't want this credit balance left in the account. Discover provides no option online to make this request or via their phone prompts. The agent didn't seem to be knowledgeable on how to proceed with my request and I was put on hold numerous times, with the call lasting just under XXXX minutes for a simple request. I was given the option of an ach transfer or check mailed. I selected ach. I receive the funds in my bank account on XX/XX/XXXX and was pleased. On XX/XX/XXXX I received my Discover Card statement and was very upset to notice a balance DUE of {$140.00} and seeing Discover specify this amount as an ACH credit funds reversal! I immediately phoned the company. The rep investigated it and stated Discover had issued me BOTH a check and ACH transfer for my credit request! So they applied the mistake which was entirely their fault back to my credit balance. This despite the fact I hadn't received nor cashed any check from Discover. Discover could have waited until they saw I received both the ACH and a check before attempting to reclaim any potential overpayment, instead they immediately applied {$140.00} charge to my account, funds which I DO NOT owe them! The agent on XX/XX/XXXX told me she would implement a stop payment and the mistaken amount due would be removed from my account in XXXX to XXXX days. I called Discover again XX/XX/XXXX to inquire as to confirm the stop payment was processed, was connected with a supervisor and told Discover has yet to implement the Stop Payment and the charge won't be reversed until they do. This despite XXXX stop payments requests had already been made, Discover continued to drag their feet holding my account hostage with the fraudulent charge the placed on it. As of this date, XX/XX/year>, the amount remains charged to my account. There is absolutely NO reason why Discover should think they have a right to charge me for their mistake. I DO NOT have an extra {$140.00} from them and do not owe them that amount. A company as large as Discover should have blocks in place which prevent the issuance of both an ach transfer and check issued for a credit balance. It's not the customers fault they don't and they have no right to expect me to pay them money back that I don't owe! Furthermore, when a customer calls and points this out to them they should take immediate action to rectify the situation instead of forcing a customer to jump hoops to correct this situation. Discover is attempting to defraud me, a customer of XXXX years who has always paid on time! Their actions are egregious and outrageous.

Company response to consumer: Closed with monetary relief