vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
At approximately XXXX on XX/XX/2004, I tried to send {$30.00} from my checking account to my daughter via XXXX XXXX however, the transaction would not go through. I called the number provided on the screen and was informed that a " hold '' had been placed on my account. The first CSR that I spoke to could not provide an explanation as to why a hold was placed on the account, so I asked to speak to a supervisor. Another CSR took the call and advised that the hold had been placed by M & T 's Security Department, however, there were notes in the system as to what prompted or triggered the hold. I asked to have my call escalated to see if a manager could provide a reasonable explanation as to why I would have to physically go to a branch to provide identification in order to have to have the hold removed. The next person I spoke to confirmed that, not only would I have to go to a branch, but I also would not be able to access funds from the ATM and stated that the bank manager would more than likely not be able to provide documentation as to the reason for my account being placed on hold. I am a former XXXX XXXX XXXX and currently an XXXX XXXX XXXX. I know that there were no XXXX-related activities that triggered the hold, nor were there any unusual transactions ; I occasionally use XXXX to send funds . I didn't receive any alerts regarding my account being compromised ; I could have been stranded or stuck in a precarious situation had I not tried to access funds this evening. I don't understand how a financial institution can arbitrarily place a hold on my funds, without some recourse to resolve the issue in a timely manner. I could have answered security questions or uploaded a copy of my identification ; however, neither was an option. No staff or department was able to override the hold and there was absolutely no information available to me. I was trying to send money to my daughter who is taking care of my XXXX father, who was taken to the ER earlier today. Thank XXXX I am in a position to have several available sources of funds ; M & T is my primary bank. I know something like this could have caused serious hardship for many consumers. There has to be some accountability. I will also be filing a complaint with my 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 2024-01-10 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: PA

Complaint narrative:
On XXXX I was gifted a {$50.00} Amex gift card that could supposedly be used with online or in-store vendors. When attempting to make multiple purchases online, primarily through XXXX, the card was declined each time. In a couple of cases, a processes fee of XXXX XXXX  was charged to the card while the transaction still resulted in a decline ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When speaking with the customer service representative for Amex, I was assured my card was active and could be used online. Unfortunately, that was not the case and the card continued to be declined. When speaking to their support staff again, they encouraged me to shop at another vendor or to make a purchase in person. The amount for the fees is still gone and I have no resolve for the use of the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 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: DC

Complaint narrative:
I submitted a email to the CFO of XXXX XXXX XXXX as well az filing disputes with Experian on inaccurate payment history reported to the 3 major credit bureaus on two accounts I have with XXXX XXXX on the dates of XX/XX/2024, XX/XX/2024, and XX/XX/2024. On XX/XX/2024 I spoke with a rep at XXXX XXXX XXXX regarding both of my credit cards being inaccurately reported paid late for XX/XX/2024 as the month has just begun and the payments of {$33.00} and {$77.00} are not due until XX/XX/2024. the rep by the name of XXXX told me he has no control of changing what was reported to the credit bureau. i then filed disputes with Experian on XX/XX/2024. dispute providing proof of the payment due date being in the future the incorrect payment status remained and no dispute was closed. this has affected my credit score and caused it to drop XXXX points.

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 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
On several occasions, Ive been the victim of identity, theft and theft the phones from my account. I contacted my banking institution, and I let them know that the charges were fraudulent they were sent to different states they were sent to different addresses and it was a lot of money missing from my account, I asked chime for documentation and proof of the investigation because Im missing a lot of money. I was told the back office did not find fraudulent activity on my account when I informed them that my phone was stolen and that card was in my phone wallet and that is how the theft of funds came to be! This is not the first time that chime has not followed the FDic guidelines about theft monies from my account I submitted numerous police reports regarding the staff as well as reports from the FTC and several credit monarch companies and FBI report, and they still refuse to refund my money. I am not talking about XXXX  of dollars I am talking about several XXXX dollars and I have spent several XXXX dollars with Chime bank but not return my funds that was stolen even though I sent them all the proof that they got of me I can send a screenshot of all of the police reports and the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Dispute of Credit Inquiry Pursuant to FCRA Laws- XXXX  Inquiry on XXXX Dear CFPB Office of Consumer Response, I am writing to formally dispute a credit inquiry listed on my credit report originating from XXXX, which occurred on XX/XX/2022. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) regulations, which grant consumers the right to accurate and fair credit reporting. 

Details of the Disputed Inquiry : Creditor : XXXX  Inquiry Date : XX/XX/2022 Credit Bureau : [ Specify the credit bureau where the inquiry is listed ] Basis for Dispute : Upon careful examination of my credit report, I can confirm that I did not provide authorization for, nor did I initiate any credit application or transaction with XXXX on the mentioned date. As per FCRA regulations, I am entitled to accurate and timely information in my credit report, and any inaccuracies or discrepancies must be promptly addressed. 

Requested Actions : I kindly request the following actions in accordance with FCRA guidelines :

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Here is the account that is not reporting accurately : ( XXXX XXXX XXXX account number XXXX ), XXXX XXXX reported a late payment in XX/XX/2022. Please correct this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii, and 15 USC 1681e ( b ). 

I have proof that i paid my account on time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022 for the amount of {$400.00}. I will include my bank statements.

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 2024-01-09 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: PA

Complaint narrative:
Here is the account that is not reporting accurately : ( XXXX XXXX XXXX account number XXXX ), XXXX XXXX reported a late payment in XX/XX/2022. Please correct this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii, and 15 USC 1681e ( b ). 

I have proof that i paid my account on time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX 2022 for the amount of {$400.00}. I will include my bank statements.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
Someone opened a credit card I my name with Destiny/Indigo. I only found out because I started receiving collection calls and mail from the collection agency. This is not my account and I need help getting the collection canceled and the card taken out of my name. I do not owe this money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$6500.00} ; XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00}.

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 2024-01-10 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: GA

Complaint narrative:
XXXX doesnt belong to me XXXX XXXX doesnt belong to me XXXX XXXX doesnt belong to me XXXX doesnt belong to me XXXX 
I was 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 2024-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Received a call from Genesis XXXX XXXX on XX/XX/24 ( XXXX ) XXXX. XXXX was left on my phone asking to return call. Returned call same day and spoke to a XXXX who stated I owed a debt of {$5300.00} for an apartment rented at XXXX XXXX XXXX. Informed XXXX that I'm a victim of identity theft and asked if she could send documentation to my email. Received an email with debt listed on XX/XX/24.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: OH

Complaint narrative:
I recently received a copy of my credit profile and there were accounts on it that didn't belong to me. I asked that they reinvestigate these XXXX items on my credit and email me at XXXX an updated copy of my credit profile. There's a XXXX  XXXX ACCOUNT NUMBER XXXX date opened XX/XX/2018 & a XXXX XXXX XXXX XXXX date filed XX/XX/2018 which aren't mine.

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 2024-01-10 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: PA

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 non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For years scammers have mess up my credit accont.they even clean out my bank account and open accounts in my name.i have written & call the credit Bureas for help but they refuse to help me.so me trying to get a home for me and my family seems impossible.becuse the Bureas refuse to help me plus i had strokes ( 4 ) times.i was told to sue them but am asking for help one more time

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For years scammers have mess up my credit accont.they even clean out my bank account and open accounts in my name.i have written & call the credit Bureas for help but they refuse to help me.so me trying to get a home for me and my family seems impossible.becuse the Bureas refuse to help me plus i had XXXX ( 4 ) times.i was told to sue them but am asking for help one more time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$6700.00}.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For years scammers have mess up my credit accont.they even clean out my bank account and open accounts in my name.i have written & call the credit Bureas for help but they refuse to help me.so me trying to get a home for me and my family seems impossible.becuse the Bureas refuse to help me plus i had XXXX  ( 4 ) times.i was told to sue them but am asking for help one more time

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
Unauthorized hard inquiry in credit report for XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have already filed a XXXX  report to help get this resolved but no response, no response to my calls or messages and when I went to the property I was told the manager is not In and will reach out. Took my information and that was all they stated they could do as they did not have corporate info to provide. 
I shouldnt have a balance due except for the water and sewer bill, but Im being charged over {$500.00} for being in the unit 1 day for the month XXXX as I turned my keys in on the XXXX. This company double charged me renters insurance the 15 months I lived there and said it would be taken care of for my credit back to my account when I called to turn my keys in as well as updating a credit for going 14 days with out A/c in XXXX where the temp was higher then XXXX, so theres no way I should have a {$500.00} water bill. I didnt find out I had a balance till the debt hit my credit report. No mail no email not even a voicemail as to the charges and I even gave them my mailing address as required when I signed my cancel of the lease renewal. Not to mention I had my belongings damaged to the water lines breaking, my clothes stolen from the laundry room, again - went without A/c for XXXX weeks, while all being told I would be credited back to then finding out I have this unknown balance after moving out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: GA

Complaint narrative:
I do not have a contract with MEDERIAN FINANCIAL SERVICES nor do I owe them any debt. I mailed in a proof of debt validation/proof as to how I owe them the alleged debt, Including the original contract and more, which they could not prove nor provide instead they avoided my request and updated it with the credit reporting agencies as verified without proof. I will not accept any billing statements or account summaries because those are not the correct requirements for proof of debt validation. No Proper documents including the original contract and how this debt exists were provided. 

MERIDIAN FINANCIAL does not have any legal license to collect in the state of Georgia which they are illegally trying to do, as well as trying to extort me for an extension of credit, which they brought elsewhere. They are also using my non-public information without my consent and authorization fraudulently reporting false I nformation. This collection agency has violated my rights as a consumer and needs to be held accountable. I do not know how much they bought the debt for nor is it my responsibility. Meridian Financial Services made their own decision and I will not allow them to profit from me through their illegal activities. I want to account to be deleted from my consumer file because its causing a lot of financial trouble including denial of credit.

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 2024-01-09 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: AL

Complaint narrative:
Checked my credit report on XX/XX/2024 and to my surprise there were several INQUIRIES that do not belong to me and I would like them removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: AL

Complaint narrative:
Checked my credit report on XX/XX/2024 and to my surprise there were several INQUIRIES that do not belong to me and I would like them removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation