vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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 submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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 submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I've attempted to use this AMEX gift card at multiple locations, both XXXX as well as online retailers. None of them would allow use of the card. Many of them refused to accept it and wouldn't even attempt to use it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 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: NY

Complaint narrative:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I demand immediate action to remove the fraudulent items listed in my letter, as required by FCRA Section 605b. Your prompt compliance with this request, including notifying all furnishers, is crucial to rectify the identity theft damage. Failure to do so will result in legal action. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Status : Dismissed, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Status : Dismissed. Plese remove these items ASAP.

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 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to Section 1681i ( 7 ) of the U.S. Code, the method used to verify this account is flawed as it was reported without sufficient evidence. 

I want to emphasize that I did not open these accounts nor did I authorize anyone to do so on my behalf. I have been disputing these entries for some time now. While I acknowledge the importance of accurate reporting, I firmly believe these items are erroneous. Therefore, I urge you to investigate these matters and promptly remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I deposited a {$5000.00} check from my XXXX account to my chase account on XX/XX/year>. The funds were removed from my XXXX  account the same day, however, chase said they had not received the money and if the check was cleared, they would release the money in XXXX. Wednesday XX/XX/year> money was still on hold, I call Chase and They transferred me to the risk department, the risk department could not give any explanation why my money was still on hold. Initially they said they need to verify who made the check before making the payment ; I explained the check was coming from my joint account with my husband. They said they would call XXXX  to verify and made me wait on the line for XXXX min and dropped the call, I called back again XXXX and the same thing happened. I went straight to the branch where the account was opened, and I spoke with the branch manager XXXX XXXX which called the risk department with me and said unfortunately could not do anything and alleged that many clients are having the same issues and all we can do is to make an official complaint. 
I called XXXX  to try to put a stop hold into the check and they said unfortunately they could not do anything because the check was paid on XX/XX/year>. 
Now, I have to pay late fees and interest rates on my bills for XXXX days that chase is holding my money without any explanation. I worked for XXXX as personal banker for years and have never seen anything like that to happen before. It makes me wonder their policy and procedures and the legality of client 's fund release. I need an explanation for the procedure and my loss to be refunded.!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Between XXXX and XXXX a hard inquiry was placed on my report for Synchrony Bank / Amazon that I did not authorize.

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 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
Regarding the Smartly Checking offer of a {$500.00} bonus using bonus code XXXX. 

Conditions were : 1. Open a new US Bank Smartly Checking account with a minimum deposit of {$25.00} either online, in a branch or over the phone from XX/XX/XXXX through and including XX/XX/XXXX I opened an account online on XX/XX/XXXX and transferred in {$25.00} the same day. 

2. Enroll in the US Bank Mobile App or online banking within XXXX days of opening the account I enrolled in mobile banking on XX/XX/XXXX 3. Complete XXXX or more direct deposits within XXXX  days of opening the account that total {$5000.00} to {$9900.00} to earn the {$300.00} bonus or {$10000.00} or more to earn the {$500.00} bonus. 
A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. 
On XX/XX/XXXX, my employer deposited {$14000.00} using a real-time electronic deposit. 
On XX/XX/XXXX, my employer deposited {$1000.00} using a real-time electronic deposit. 

On XX/XX/XXXX, I called to confirm that the conditions were met to earn the bonus. I was told they were. 
I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX asking why I hadn't received the bonus. Each time I was told that it was either on the way or that they would file a form to find out what was going on. On several of these calls I asked again if the conditions had been met and was told they were. 

On XX/XX/XXXX, per the instructions from the last call, I sent an email to XXXX explaining the situation and asking why I hadn't received the bonus. I got no response.. 

On XX/XX/XXXX, I called again and was told that the XXXX deposits did not qualify and I would not receive the bonus. 

Issues : 1. The text of the Disclosure stated, " A direct deposit is an electronic deposit of your paycheck .... '' My deposits were electronic and for my paycheck.

2. I asked on several occasions if I had met the qualifications and was told that I had. They had plenty of opportunity to let me know if my deposits did not qualify.

3. By the time they finally told me that my deposits did not qualify, it was well past the XXXX  day limit, thus eliminating the possibility for me to rectify the situation qualify for the bonus.

I'm not a lawyer but this seems like false advertising at a minimum if not some sort of scam. 

My employer is an XXXX XXXX XXXX XXXX. It pays me on a XXXX just like any employer and I use electronic transfers to pay myself. 

Thanks, 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 monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I'm actually attempting to resolve this debt collection by working with the debt collector to resolve the matter AS THEY SEE FIT. They have been avoiding me and refuse to work with me to deal with this debt and clean up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On Thursday XX/XX/2024 I made a mobile deposit from my personal XXXX XXXX  account to my personal BMO Harris bank account. I received an email from BMO verifying the deposit had been approved and processed same day at XXXX..stating it might take XXXX business days for funds to appear. No problem. On Monday XX/XX/2024 I went online BMO and it looked like the deposit was received but not credited. I called my local branch and they verified it would most likely finalize by end of day. That my pending auto drafts were ok to pay. At end of day I stopped to verify and was told there was a HOLD on the funds due to a FRAUD alert. The banker was unable to get an answer from the fraud dept as to why. Luckily for me, I was able to deposit the same amount in cash so my son 's mortgage and utility debits would indeed process. This is his account, he is a 100 % XXXX XXXX veteran. Today is the XXXX XXXX XXXX and I tried to reach the fraud dept to find out WHY they decided my account needed to be FROZEN, also my son 's debit card for essentials, they REFUSED to talk with me. The cusomer service rep said the Fraud dept had determined there was NO FRAUD, and it was a " standard hold ''. Neither my branch manager, or personal banker can lift the HOLD.THEY NEVER INFORMED ME OF A HOLD BY PHONE, EMAIL OR ONLINE ACCT MESSAGING. UNACCEPTABLE BANK PROCEEDURE. If I hadn't been able to come up with cash for a deposit, all my auto debits, XXXX so far including mortgage would have been returned. HOW CAN THEY HOLD/FREEZE WITHOUT INFORMING THE CUSTOMER? They received the good funds the same day of my mobile deposit XX/XX/2024. As of XX/XX/2024 they are unavailable to me.

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 2024-03-06 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:
In accordance with the Credit Reporting act XXXX Account has violated my rights. 
. 15 USC 1681 Section 602 states I have the right to privacy.

.15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

.15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
I am challenging the account being furnished on my credit report with the account number XXXX. Experian, XXXX, and XXXX failed to conduct a proper investigation and remove this inaccurate account. XX/XX/2022, the account XXXX XXXX XXXX was placed with XXXX XXXX XXXX for further collection. I am confused why there is a balance reporting for the account XXXX when this debt was sold and is no longer with XXXX XXXX. This debt is passed the statute of limitations in the state of Texas and is uncollectible. You may contact XXXX XXXX Attorney from XXXX at XXXX if you would like to discuss the details of the account. You failed to report this account according to FCRA regulations and I am demanding that this account is removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CL Holdings LLC
State: GA

Complaint narrative:
Pursuant 18 U.S.C 8 I do not own any debt. This company is violating my rights to consumer privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I received a late payment on my auto loan ending in XXXX on my XXXX XXXX account for XX/XX/2024 but this auto loan was refinanced and paid off and closed in XXXXso how will be late in same month it was paid off ( see attachments ) and its on all XXXX credit bureaus. The account is from navy federal it was an auto loan for XXXX account ending in XXXX I owed XXXX they refinanced the loan which now ends in XXXX and I signed documents in XXXX. So how is it they marked me late for a loan that was refinanced in the same month Ill send both attachments to prove it. Also its listed as an Unsecured personal loan on XXXX which is incorrect it needs to be listed as an auto loan because thats what it is.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received a late payment on my auto loan ending in XXXX on my XXXX XXXXXXXX  account for XX/XX/2024 but this auto loan was refinanced and paid off and closed in XXXXso how will be late in same month it was paid off ( see attachments ) and its on all XXXX credit bureaus. The account is from XXXX XXXX  it was an auto loan for XXXX account ending in XXXX I owed XXXX they refinanced the loan which now ends in XXXX and I signed documents in XXXX. So how is it they marked me late for a loan that was refinanced in the same month Ill send both attachments to prove it. Also its listed as an Unsecured personal loan on Experian which is incorrect it needs to be listed as an auto loan because thats what it is.

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 2024-03-06 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-03-06 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: GA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent inquiries listed on my credit report. I recently obtained a copy of my credit report and discovered several inquiries that I did not authorize and have no association with. These unauthorized inquiries are damaging my credit score and are indicative of potential fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
I am challenging the account being furnished on my credit report with the account number XXXX. XXXX, Transunion, and XXXX failed to conduct a proper investigation and remove this inaccurate account. On XX/XX/2022, the account XXXX XXXX XXXX was placed with XXXX XXXX XXXX for further collection. I am confused why there is a balance reporting for the account XXXX when this debt was sold and is no longer with XXXX XXXX. This debt is passed the statute of limitations in the state of Texas and is uncollectible. You may contact XXXX XXXXManaging Attorney from XXXX at XXXX if you would like to discuss the details of the account. You failed to report this account according to FCRA regulations and I am demanding that this account is removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
I am challenging the account being furnished on my credit report with the account number XXXX. XXXX, XXXX, and Equifax failed to conduct a proper investigation and remove this inaccurate account. On XX/XX/2022, the account XXXXXXXX XXXX  XXXX was placed with XXXX XXXX XXXX for further collection. I am confused why there is a balance reporting for the account XXXX when this debt was sold and is no longer with XXXXXXXX XXXX This debt is passed the statute of limitations in the state of Texas and is uncollectible. You may contact XXXX XXXX Attorney from XXXX at XXXX if you would like to discuss the details of the account. You failed to report this account according to FCRA regulations and I am demanding that this account is removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I received an email from credit karma about my money spend account password being changed at XXXX on XX/XX/24. I did not change my password so I attempted to sign in but couldnt because someone else changed my password. So i reset my password and while i was in the process I received another email at XXXX on XX/XX/24 that my phone number on file had been changed which I also did not do. By the time I was on my account {$1300.00} and a fee of XXXX was instant transferred out of my account to a debit card that I didnt recognize the number to. So I contacted XXXX XXXX and filed a dispute for the charges. I provided them with all the information they requested and I received an email on XX/XX/24 that my dispute was denied and their investigation deemed no errors for the transaction. I called credit karma again today XX/XX/24 and filed an appeal on their decision and requested a detailed explanation for their reason to deny my claim. This is the second time in 3 months that someone has gained access to my account and taken my money. I even changed all my security settings and had them send a new card the last time. I have not used this card to purchase anything online and have never shared my password or any information about this account with anyone.

Company response to consumer: Closed with monetary relief