vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: CA

Complaint narrative:
In 2019, I had a Discover Bank Checking account, which I closed after returning from a trip to XXXX and XXXX. I found that Discover wasn't accepted at most places where I tried to make purchases. On Saturday, XX/XX/XXXX, I attempted to open a new Discover Bank Checking account. However, a customer specialist informed me that I would not be able to open an account with them. When I asked if I had a balance on the previously closed account, the specialist confirmed that there was no balance and vaguely explained that it was a business decision to not allow me to open a new account. I find that answer to be highly questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2024-08-31 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:
Ive recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Bank of America regarding an unresolved issue with fraudulent charges made on my debit card. 

On [ XX/XX/year> ], my debit card was used fraudulently to make unauthorized transactions. I promptly reported the incident to Bank of America and subsequently filed a police report.. Despite providing all necessary documentation and evidence of the fraudulent activity, Bank of America has denied my request for a refund without offering any explanation or justification for their decision. 

The refusal to refund the stolen funds has caused me significant financial and emotional distress. I have attempted to resolve this matter directly with Bank of America, but my efforts have been unsuccessful. 

I kindly request your assistance in resolving this issue and ensuring that Bank of America honors its obligation to refund the unauthorized charges. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your time and assistance.

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 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
home depo credit company has violated the XXXX rules as its outlined in XXXX XXXX convergent outsourcing inc, XXXX XXXX ( XXXX XXXX ), which states that a consumer report is a medium of communication and this subject to cease and desist requirements. 15 usc 1666b time to make payments. which i XXXX XXXX is not a dead man i am a living being secured party creditor. Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX closed my account without notice or permission never sent the periodic statement along with the disclosures from section 1537 ( b ) i have proof that i sent by mail before payment due date this information was requested in good faith pursuant rule 1002 and it was nevered provided. This is unfair, illegal, fraudulent, and not equal to me as the consumer or secured party creditor. remove all late payments from my credit report and restore my account.

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 2024-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Receivables Management LLC
State: MI

Complaint narrative:
XXXX XXXX calling and contact more than 7 times in 7 days. 
Taking pictures of property windows and asking to replace ( these were in the same condition as when lease was signed ). 
Threatening security deposit withhold for a lease to own property that had pre-existing damage documented by former tenants. 
Awaiting unemployment funds and can not pay what I do not have, harassing does not help.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I applied for and became an American Express Gold Card member. I specifically chose this card because of the advertised sign-up offer of XXXX points if I spent {$6000.00} within the first 6 months. Additionally, the cards ability to earn rewards for food and dining out was a significant factor in my decision. 

Recently, I reviewed my account and realized that the sign-up offer had not been applied. On XX/XX/XXXX, I contacted American Express support through their chat feature to inquire about the missing rewards. In the communication ( attached ), I asked why the offer had not been applied, and I was informed that I didnt qualify for the offer. However, when I requested further details or an explanation, the support representative was unable to provide any specific reasons. 

Based on how the offer was advertised, I firmly believe that I met all the requirements for the XXXX sign-up bonus. Therefore, I am requesting that American Express honor the original sign-up offer and credit my account with the XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: FL

Complaint narrative:
I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB CARD Account charged off. {$2000.00} written off. In accordance with XXXX5 USC 1681b, it is required that the bureau obtain my explicit written consent before furnishing my information to any third party or including it in any credit report.

I want to make it clear that I have never provided written consent for this account information to be furnished, obtained, or reported by your agency. As such, the presence of this information on my credit report is unauthorized and must be removed immediately. 

I request that you conduct an investigation and remove this account and any related information from my credit report. I also request that you provide written confirmation of this correction within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: LA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-08-31 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: LA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

account : 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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

account : XXXXXXXX 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 2024-08-31 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: MN

Complaint narrative:
I am concerned that XXXX, XXXX and Equifax are intentionally reporting my credit scores at the lowest level due to the fact that I am an XXXX XXXX. I believe that it may be possible that a comparability of my credit history with others could produce a higher credit score. I have 6 months of late payments from XXXX to XXXX from XXXX, however, have made on time payments since XXXX of XXXX and currently now have XXXX credit cards. I also have significant school debt which is paid on time. In addition, my utilization rate is high, however, if you review my credit score it doesn't move at all? Over the last two years of on time payments it has remained relatively flat? It appears that after two years of on time payments this has no significant positive affect on my score? Currently my XXXX score is on XXXX? I don't believe a score this low accurately affects my ability based on my past to repay a loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am concerned that XXXX, Experian and XXXX are intentionally reporting my credit scores at the lowest level due to the fact that I am an XXXX XXXX. I believe that it may be possible that a comparability of my credit history with others could produce a higher credit score. I have 6 months of late payments from XXXX to XXXX from XXXX, however, have made on time payments since XXXX of XXXX and currently now have XXXX credit cards. I also have significant school debt which is paid on time. In addition, my utilization rate is high, however, if you review my credit score it doesn't move at all? Over the last two years of on time payments it has remained relatively flat? It appears that after two years of on time payments this has no significant positive affect on my score? Currently my XXXX score is on XXXX? I don't believe a score this low accurately affects my ability based on my past to repay a loan?

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 2024-08-31 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander Consumer was deleted off my account after a fraud dispute but its back alongside anther collection i didnt do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX was deleted off my account after a fraud dispute but its back alongside anther collection i didnt do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

account : XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disappointed once again, as this one account reporting inaccurately on my credit file has negatively affected my life. I have attached an FTC report for you to finally reinvestigate and remove this account.

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 2024-08-31 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: TX

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several in accuracies on my account. 
This account is hurting my ability to obtain credit. Its my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items i am asking you to verify as accurate 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 explanation
Consumer complaint received 2024-08-31 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: MN

Complaint narrative:
I Reviewed my Consumer Reports and noticed that I had three payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX  XXXX XXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PAY-O-MATIC
State: NY

Complaint narrative:
To whomever it may concern, on XX/XX/year> I went back to explain to another agent at Pay-O-Matic money services at XXXX XXXX XXXX XXXX NY XXXX that the female agent would not send money for me because she said ioffended her and as I remembered I only expressed myself without any profanity and threats and I only told her you must not be very happy today and your having some personal problems and I walked away, but she lied in front of me and the male agent that I threatened to slap her. So the male agent told me to not come back to the business only when he's present. But I don't agree with having to work around her schedule to avoid her and I believe I should be able to go there anytime I want to receive service. It's like she's controlling the existence of my personal life... please help me to resolve this location problems that they have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hi this is XXXX XXXX, On XX/XX/XXXX at XXXX XXXX, I went to the chase bank ( XXXX XXXX XXXX XXXX, XXXX, IL ), I want to deposit money at this bank 's ATM. Before I deposited money, there was nothing wrong on the ATM screen. It showed that everything was normal. Then I started to deposit money. I put my XXXX XXXX dollars in. I waited for about thirty seconds and the machine issued a receipt, but my money did not appear in my account. As the atm shows there is a problem. Then I started calling customer service ( XXXX ), but the Chase staff kept dragging me away and wouldn't give me money. At first, they said I would have to wait two working days, but later they told me to wait until XX/XX/XXXX, which is twelve working days. I really need this money now! Please help me!! thank you so much! 

The last four digits of the debit card XXXX XXXX XXXX XXXX XXXXXXXX Term ID : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-31 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: FL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # 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 explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # 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 explanation