vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I strongly desire not to have this on my credit report. This does not belong to me. It is fraud! see 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 explanation
Consumer complaint received 2024-01-25 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: GA

Complaint narrative:
XX/XX/XXXX Dear Consumer Financial Protection Bureau, I XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from Equifax, XXXX, XXXX, XXXX XXXX  or XXXX XXXX XXXX the consumer reporting agencies in question, in reference to my initial complaint letter. In my original complaint letter, My concern and dissatisfaction with Equifax 's, XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of XXXX. Please update my accounts to PAID AS AGREED. Also, I am requesting compensation of {$1000.00} per every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 as states : Permissible purposes of consumer reports, you can not report transaction history. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, XXXX, XXXX XXXX  or XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. 

Best Regards, XXXX XXXX, Concerned Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX Dear Consumer Financial Protection Bureau, I XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from XXXX, XXXX, Experian, XXXX XXXX  or XXXX XXXX XXXX the consumer reporting agencies in question, in reference to my initial complaint letter. In my original complaint letter, My concern and dissatisfaction with XXXX 's, XXXX, Experian, XXXX XXXX and XXXX XXXX XXXX reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of XXXX. Please update my accounts to PAID AS AGREED. Also, I am requesting compensation of {$1000.00} per every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 as states : Permissible purposes of consumer reports, you can not report transaction history. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, Experian, XXXX XXXX  or XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. 

Best Regards, XXXX XXXX, Concerned 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 2024-01-25 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: NY

Complaint narrative:
Hello, I received an American express gift card from my employer as a XXXX gift in XXXX. I have tried my best and have not been able to use it anywhere. I contacted the company earlier this year and they claim their gift card can be used everywhere. Unfortunately this statement is false and their gift card can not even be used on XXXX or XXXX to complete purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I found all my Marcus online accounts ( online saving account and a CD account ) were locked on the XX/XX/2023, without receiving any notifications. I started to call them on XX/XX/XXXX, made over 10 phone calls, and talked over 10 customer reps and supervisors. But after ONE MONTH, no one really helped solve the issue. I attached some records of calls as attachment, which are showing the average call durations are over 30 mins. They just repeated that they were not able to send a one time code to my phone number due to technical issue so they can not verify my identity to unlock my account and Marcus DO NOT have an alternative way to resolve this. And some reps even just hung up on me! Even worse, I got a reply from a supervisor on the XX/XX/XXXX that there had been no one really reviewed and deal with my case yet!! After looking into similar complaints posted online, I see some victims has to complete an Affidavit of Identity that takes over 14 business days, which I don't think is an acceptable solution taking so much time further. It's over {$190000.00} and I need my money very urgently to buy a house. I really hope to get my accounts unlocked ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Experian for its consistent failure to report accurate information on my credit file, despite multiple disputes and previous complaints filed with your organization. I have attached a copy of the most recent dispute results from Experian for your reference. 
Dispute Results : Report Number : XXXX Date Ready : XX/XX/XXXX Source : Experian Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Despite XXXX previous disputes and complaints to both Experian and your organization, Experian continues to report inaccurate information. The discrepancy is evident in the reported last payment date of XX/XX/XXXX, while the payment history for XX/XX/XXXX indicates a 30-day delinquency. This consistent failure to rectify the inaccuracies is a clear violation of the Fair Credit Reporting Act ( FCRA ).

I am distressed by Experian 's negligence in reporting accurate information, and I firmly believe that the appropriate course of action, as per the FCRA law, is the deletion of this inaccurate information from my credit report. 

I urge you to intervene in this matter promptly and ensure that Experian adheres to the FCRA by deleting the inaccurate information from my credit file. This continuous reporting of inaccurate data has had a detrimental impact on my credit score and financial standing. 

Thank you for your attention to this matter, and I trust that you will take the necessary steps to bring resolution to this ongoing issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: MN

Complaint narrative:
My brother, XXXX XXXX XXXX  on XX/XX/XXXX. His wallet was stolen on XX/XX/XXXX. I spoke to Netspend in XXXX to inform them of my brothers death and his wallet being stolen. I could not do anything until his death certificate was issued. 

When the death certificate was issued, I contacted Netspend on XX/XX/XXXX. I was informed what information needed to be sent to them, I was given the case number and I would hear from them in 10 days. I sent in my brothers death certificate, a copy of my passport, a picture of me holding my passport and an additional document that was not required, Affidavit of collection of Personal Property to show that I was his sister. 

XX/XX/XXXX I called Netspend to get and update. Yes they received the documentation I sent. They need a few more days with their investigation and to please call back on XXXX. Unable to understand the gentlemans name. 

XX/XX/XXXX I call Netspend. This time I am informed that there is {$0.00} in the account and nothing owes to me. I said that his wallet had been stolen on XX/XX/XXXX. He got his XXXX check on XX/XX/XXXX and another one was deposited a couple days later. I know for a fact there was money in the account. I need to know the transactions that happened after he died. I was told that I was not privy to this information. They didnt care if I needed it to be able file a police report. Because I didnt know the answers to his secret questions nor his card number, even though I proved I am next of XXXX, they told me to get power of a attorney however they did not know how I was going to get XXXX XXXX to give me power of attorney. I did inform them, that I know, that there should be a couple dollars left if funds were with drawn as there is no way to get an account to {$0.00} by using an ATM. 
I ended the call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I received a charge on XX/XX/XXXX on an account that had been closed in XXXX of XXXX for the amount of {$26.00} for a purchase made out of state. I had previously spoken with FNBO and was told that the fraudulent charges would be removed. When I questioned how this happened, I was told that it is company policy to issue a new card in a cardholder 's name when an account has been closed. Without the cardholder 's knowledge. Now the charges still exist, and they expect XXXX  to pay them.

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 2024-01-25 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: DE

Complaint narrative:
On XXXX XXXX, 2023 I sent a report to Experian and they are saying that my credit report should remain as is. They are saying that even if they didn't remove the wrong items that it's ok it doesn't matter but i want them taken off of my credit report. Accounts listed are XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I am very dissatisfied with this company because they have Shown me the lack of work ethics. They have also violated 15 USC 1681e ( b ) as well as laws 15 USC s-2 ( a ) @ ( b ), and 15 USC 1681i ( 5 ) ( a ) ( i ) @ ( ii )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
As of XX/XX/2024 I have had a {$0.00} balance on my XXXX XXXX  with an available credit of {$3800.00}. I have not made any purchases since. I have n0t received any emails since saying I had anything owed, or that a statement was generated. Usually any time a statement is created I am given a statement email which I wasn't. I was notified last week by my EQUIFAX Credit Monitoring, that I had a late payment/missed payment to a CC and my Available Credit had been lowered in addition to my Credit Score being reduced by XXXX points. I have not had any missed or late payments in over 15 years, and it was because of a {$21.00} charge on my account that I did not make. I am also a member of the XXXX XXXX and was enrolled in XXXX 's XXXX benefits due to a recent activation. I sent a message via the portal they had online, and also tried to speak with someone over the phone. I was advised that " The Dept you need to speak too is not open '' and that I am unable to file a dispute on the charge because its over 60 days, but I was never given any statement notification/past due email/past due phone anything. They told me I would need to call back tomorrow. I have been calling for 5 days now, at all times during business hours, and every time I call they tell me no one is available, Dept is closed, Manager can call back. The email response I got was " Look like you called and talked to someone your matter must be resolved and they have closed my ticket '' What they have done is illegal, as 1 ) I was never given any statement notification of any balance since XX/XX/2024. I have since resumed getting emails since my 1st contact to them. They can not send me to collections, or adjust my statement balance being under XXXX protection, and in addition military members are allowed additional time to report fraud transactions. I have been asking to speak to a manager for 5 days, and kept being told no one is available

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
My student loan servicer reported that I owed XXXX when I only owed XXXX, effectively dropping my credit score by XXXX points. I need to move, so this drop in my credit score is significant. I have been extremely stressed out about this and have felt sick since seeing the incorrect charges on my credit report. My student loan servicer is Ed Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On the XX/XX/24 EQUIFAX responded that XXXX XXXX XXXX   was deleted from my consumer report. EQUIFAX disregard of my federal protected rights continue to furnish said item on my consumer report without any prudent due diligence to verify said account. EQUIFAX is deliberately using interstate communications in a scheme of fraud using deception and/or enticements. Please see attachment! It's a screenshot of EQUIFAX stating said negative account is deleted. I continue to be given the run around and disregard of my federal protected rights. I will SEND THIS TO THE FTC WITH THE HELP OF CFPB. ONCE again I will resend last complaint to show that EQUIFAX AND XXXX XXXX XXXX  CONTINUE TO DISREGARD FEDERAL LAWS AFTER KNOWING WHICH FEDERAL LAWS THEY HAVE BROKEN. Last complaint : I been advised to give EQUIFAX 1 last chance to cure. I'm a federal protected consumer and my rights have been VIOLATED! I been dealing with this since XXXX. I been patient through the process, while I been giving the run around. I will have the CFPB send this to the FTC! So I want to be clear I do not want a statement stating we still working on it, and I do not want this is a duplicate or a simple account verified. I am asking and have been asking for the original wet signature contract between ME and XXXX XXXX XXXXXXXX I also want a copy of me given written consent to furnish ANYTHING on my consumer report. I'm also asking and have been asking for XXXX XXXX XXXX XXXXicense to collect a debt in XXXX, the date of the license and the name on the license. To be clear EQUIFAX and XXXX XXXXXXXX XXXX have not provided me said items, but yet furnish account on my consumer report which VIOLATES my federal protected rights. The following federal laws been broken : FCRA 609 and 605, as well as FCRA 623. On top of that 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802. Also 15 USC 1692g. To be clear I asked EQUIFAX AND XXXX XXXX XXXX to provided said items above, which they have not. It does not end there. EQUIFAX is reporting late payments on my consumer report, which VIOLATES my federal protected rights 15 USC 1666b. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT CFPB WILL HELP WITH LITIGATION AND REPORT THIS TO THE FTC!!! XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or resolve the following inaccurate accounts in my report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or resolve the following inaccurate accounts in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Dovenmuehle Mortgage, Inc.
State: IN

Complaint narrative:
I have submitted multiple requests to be contacted by management to receive help with preventing foreclosure. The representative that I am speaking to right now XX/XX/year> at XXXX stated that she is reading a letter that says that I can not afford mod payments, but I WAS NOT OFFERED MODIFICATION PAYMENTS AT ALL! I have NOT received any options and it took me writing a XXXX review before I started receiving generic letters by mail stating that help is available but is NOT BEING OFFERED TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year>, I applied and was approved for a Citi AAdvantage Platinum Select Card. 
I was given a Temporary Card Number that did not work on online transactions, and I was not able to add the card to my XXXX XXXX. 
On XX/XX/year>, I received an email that said I will receive the card by XX/XX/year>. 
called Citi at the end of the day on XX/XX/year> and asked whether the card was shipped after I was approved and they said no. I requested a replacement and they refused expedited shipping, stating it will arrive in another 7-10 business days. 
I signed up for this card expecting time to make the necessary spend required for the AAdvantage miles sign up bonus. Now, it will be approximately ONE MONTH after getting approved for the card without any means to use it in order to meet the minimum spend requirement for the sign up bonus. 
Citi is not meeting their obligation to give me the credit I was approved for, and engaging in predatory practices by keeping the sign up bonus ( the incentive for why I applied for the card ) out of reach and refuses to take any action to remedy the card not arriving timely. 
I'm extremely disappointed with Citi 's service, lack of acknowledgement for the issue, lack of responsibilities to meet their own promise to customers for their products..

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