vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was scammed by a property management company year of XXXX which I reported to Bank of Americas Customer Service/Fraud Department located in Georgia I informed them of the accurate time lines I could provide to them, detailed conversations I keep via text or email, paper trail ( signed documents ) picture of individual the amount of money that was taken. The total amount was {$3000.00} which I only received less than {$1000.00} back XXXX stated they couldn't do anything in regards to returning the funds where they seen the money pulled out. They filed a dispute without requesting any of the information I provided to help my case! Thereafter a couple of months went by just for them to put my account in the negative/charge off by trying to collect back the money from a temporary hold. Which evidently I didn't have. This also caused my credit card account to go in the negative which I utilized to help my credit score. Both accounts are in collections now! This complete situation caused alot of hardship for me and my children it was our last from my income tax and through the banks negligence me and my family were almost homeless. Customer service in my opinion should go above and beyond for loyal customers such as myself my cause was never reviewed or investigated properly in any fashion. Trusting people are fighting on your behalf in situations like this was not the outcome. After being scammed the bank turns around to take from me again shameful.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am rewriting to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account number XXXX, XXXX XXXX  with account number XXXX, XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter. Attached here is the Identity Theft report filled.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Original Creditor : XXXX XXXX  ) : # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-08-06 00:00:00
Product: Credit card or prepaid 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: CA

Complaint narrative:
Offer from Am express for Hilton Surpass card - Extend your Hilton Diamond Status through XX/XX/XXXX offer Code XXXX Card XXXX  XXXX received XX/XX/XXXX Offer not honored inspite of meeting the spending requirements and multiple calls to Am Express and Hilton Honors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am refiling this complaint due to the resolution of the previous complaint filed. Again the account is appearing to have a late payment even if I was not late. XXXX XXXXXXXX I demand you to update this on my report cause it's clearly a violation of my rights.

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 2023-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
XX/XX/2023 PayPal I Sent My XXXX  {$190.00} PayPal Charged A Transaction Fee {$5.00} She Only Received {$180.00} XX/XX/2023 PayPal I Sent my XXXX  {$1100.00} PayPal Charged A Tranaction Fee {$35.00} She Only Received {$1100.00} In Both Cases There Is No Transaction! 
There Is No Shipment! 
This Was Simply Money Sent To Family Member! 
Since There Is No Transaction No Shipment No Transaction Fee Is Applicable! 
Consequently No Transaction Fee Should Have Been Charged! 
I Want Both Fees {$5.00} {$35.00} For Total {$40.00} Refunded! Asap! 
These XXXX Fees Should Be Investigated! 
I'm Sure I'm Not The Only Person That Have Been Erroneously Charged These So Called Transaction Fees When In Fact There Was No Transaction! 
Your Assistance Is Greatly Appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hereby ask Experian to delete account conveyed to you by consumer reporting collection agency XXXX XXXX XXXX for me, with descriptive account since problems has extant within that information, the Agency failed to send the copy of contract with my signature and ID to validate debt within the last 30 days. 
Please remove this collection within one month due to inaccurate information. In addition, please declare that XXXX complied with every aspect of FCRA or other applicable laws. This request is for more than just a summary one-sheet Thanks sincerely for attending to the circumstances.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am trying to get a vehicle and noticed a few accounts that i dont 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 non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am refiling this complaint due to the resolution of the previous complaint filed. Again the account is appearing to have a late payment even if I was not late. XXXX XXXX I demand you to update this on my report cause it's clearly a violation of my rights.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am refiling this complaint due to the resolution of the previous complaint filed. Again the account is appearing to have a late payment even if I was not late. XXXX XXXX I demand you to update this on my report cause it's clearly a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Attached is a adverse action letter that could be a virus, I have need to apply for something at Westlake financial and need this removed of my record Adverse Action Notice Thank you for submitting your request for a pre-qualification! 

Based on the information provided, Westlake could not provide you with any pre-qualification options at this time. 

Please give us a call and one of our friendly Westlake representatives will be glad to help you. 

Attached is the letter explaining the reason why no pre-qualification options were available. Your password for the attachment is Date of Birth year e.g XXXX 

Contact Us on : XXXX Terms and Conditions This message was sent to XXXX as an information message This message was transmitted by : Westlake FinancialXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This email may contain privileged or confidential information. If you are not the intended recipient, notify us immediately at XXXX. 

Do not disclose the contents to another person. You can view our Privacy Policy online

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my credit file. The items I need deleted are in the report. I am a Victim of identity and did not make these charges to such accounts. These items are reporting inaccurate to all three reports. I ask that these items be deleted from my credit file. I have enclosed copies of the Federal Trade Commission Identity theft affidavit.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Subject : Request to Update Address and Remove Outdated Addresses from Credit Report I hope this letter finds you well. I am writing to request the update of my current address and the removal of outdated addresses from my credit report. As per the provided information, I have recently moved to a new address and wish to ensure that my credit information accurately reflects my present circumstances. 

Here are the details for the address update and removal : 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  I kindly request your prompt attention to this matter. Keeping my credit information up-to-date and accurate is crucial for the integrity of my credit profile. Please ensure that the new address is added and the mentioned outdated addresses are removed from all my credit reports maintained by your bureau. 

If any additional documentation or verification is required to process this request, please do not hesitate to contact me at XXXX or XXXX. I am fully prepared to provide any necessary information to facilitate the smooth update and removal of addresses on my credit report. 

I genuinely appreciate your assistance in this matter and thank you in advance for your prompt attention. Kindly confirm the receipt of this request and notify me once the necessary updates have been made to my credit report. 

Thank you for your time and cooperation. 

Sincerely,

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am trying to get a vehicle and noticed a few accounts that i dont 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 non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am trying to get a vehicle and noticed a few accounts that i dont recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase Bank / Southwest Airlines Card Fraudulent charges on XX/XX/2023 XXXX for {$550.00} and XX/XX/2023 XXXX for {$800.00} both from the XXXX XXXX XXXX XXXX 

On Monday, XX/XX/XXXX, I immediately called Chase Bank and reported the fraud. Cards were cancelled, new cards were shipped second-day, charges were taken off my account. 

On XX/XX/2023, my account shows a charge from that same hotel in the amount of {$600.00}. When I contacted Chase again about fraudulent charges, the representative told me that charge was " from the old card. '' When I asked how that was possible since Chase allegedly closed my original card, I was transferred to another person. That person told me I would need to contact the fraud investigation department, but they wouldn't be in until Monday. Looking at my statement, it shows an " adjustment '' type on the {$600.00} charge which leads me to believe they somehow feel those were legitimate charges, which they can't be because I was nowhere near XXXX or XXXX XXXX on those dates, in fact was in XXXX XXXX at a concert and then XXXX XXXX for a birthday celebration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for and one account with one-hundred and eighty, 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 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.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I put in a dispute for a loan that is not mine and thats shown on my credit report that shouldnt be on my credit from ( XXXX XXXX ) on XX/XX/XXXX to all 3 credit bureaus. The account belongs to my father who has the same name, the Loan is under his business XXXX XXXX XXXX XXXX ) which I have nothing to do with, under his address, and his phone number. I never signed anything for the loan, never gave an id and the loan company isnt doing anything to correct this and neither is the credit bureau. For some reason my Social was somehow used for the loan but me and my father have been trying to get it in the correct name aka his name and the correct account and off of my credit since I have nothing to do with this loan as it is incorrectly reported and affecting my credit. The financial loan company has incorrectly put a loan in my name that needs to be removed as soon as possible as I never authorized anything and it is not my business, or have anything to do with me. The account needs to be put in his name and off of mine. My father even sent an email to the companys dispute department explaining that its his loan and should not be in my name and they still havent done anything about it. Its been over a month and nothing has been addressed as this loan is false reporting and fraud on the creditors end since I did not have any knowledge, sign, or give any of my information.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I put in a dispute for a loan that is not mine and thats shown on my credit report that shouldnt be on my credit from ( Sheffield Financial ) on XX/XX/XXXX to all 3 credit bureaus. The account belongs to my father who has the same name, the Loan is under his business ( XXXX XXXX XXXX ) which I have nothing to do with, under his address, and his phone number. I never signed anything for the loan, never gave an id and the loan company isnt doing anything to correct this and neither is the credit bureau. For some reason my Social was somehow used for the loan but me and my father have been trying to get it in the correct name aka his name and the correct account and off of my credit since I have nothing to do with this loan as it is incorrectly reported and affecting my credit. The financial loan company has incorrectly put a loan in my name that needs to be removed as soon as possible as I never authorized anything and it is not my business, or have anything to do with me. The account needs to be put in his name and off of mine. My father even sent an email to the companys dispute department explaining that its his loan and should not be in my name and they still havent done anything about it. Its been over a month and nothing has been addressed as this loan is false reporting and fraud on the creditors end since I did not have any knowledge, sign, or give any of my information.

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 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is negatively impacting my credit score as well as defamation of character, which is affecting me from buying a house. I would liked this fixed, thank you.

Company response to consumer: Closed with explanation