vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: AL

Complaint narrative:
XXXX received my USBank Reliacard and went on their website to set up my account. I had called the customer service number more than 3 times to get guidance and the " BillPay '' option that is linked to my account. I was told many times that " you do not have this access ''. I was placed on hold for long periods only to not have my issue resolved. 
XXXXSince I was not able to get any help with the bill pay process, I decided to set up a " test '' Bill Pay on my account. I noticed the {$100.00} was deducted from my account immediately. I had no guidance as to how the payment would be processed, mailed or electronic. 
XXXX-I called the customer service number again and expressed concern about this, but was told once again that " you do not have access to Bill Pay ''. I had to insist upon speaking to a supervisor and was placed on hold for another 20 minutes. She could not cancel or do anything to return my funds. As of today, my money is in limbo.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reported a NOT accurate information filed on my Equifax, and XXXX credit report. I tried reaching the credit card company and Equifax and XXXX, and even when I send documentation that proof that this account was never paid late, they continue to report on my credit and this is affecting me in many ways. I send letter to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, nothing work. Dates associates to late payments shows XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX and them XXXX two additional late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several fraudulent hard inquiries that have appeared on my credit report. Upon reviewing my credit report, I have noticed multiple inquiries that I did not authorize or consent to. 

I am concerned about the potential negative impact these inquiries may have on my credit score and overall creditworthiness. As a responsible and diligent consumer, I take great care to protect my personal information and only authorize inquiries when necessary. 

I believe that these inquiries are a result of identity theft or fraud, and I am requesting that they be immediately removed from my credit report. I would appreciate a prompt investigation into this matter, and any assistance you can provide in resolving this issue would be greatly appreciated. 

Please let me know the steps that I need to take in order to address this matter and provide any necessary documentation that you may require. I also request that you provide me with a written confirmation of the removal of these inquiries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Here are the inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Sincerely, 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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent several information about the account being inaccrutte THE COMPANY IS IN VALUATION OF SEVERAL LAWS Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2023-03-23 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: National Credit Systems,Inc.
State: WI

Complaint narrative:
I have disputed this fraud numerous times and sent in a theft affidavit with my police report. They have not yet removed this collection after receiving all information including police report, signs by a notary and a witness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: IN

Complaint narrative:
I XXXX XXXX has the right to privacy and I have not given anyone written consent to report the following accounts. 

1 XXXX XXXX XXXX 2 US Dept. of EDXXXX XXXX 3XXXX XXXX  and XXXX XXXXXXXX 4 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 2023-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I usually check my credit score every week. When I checked this week as of yesterday, my credit has been used by someone other than me. The person opened three credit cards and a car loan in my name. XX/XX/XXXXXXXX XXXX XXXX account opened ( isnt mine ). XXXX XXXX  XX/XX/XXXX ( isnt mine ). Bank of America XX/XX/XXXX ( isnt mine ) XXXX XXXXXXXX XXXX XXXX ( isnt mine ). Bank of America XX/XX/XXXX ( isnt 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 explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX ( collection company ) stating they had acquired an unpaid payday loan from AdvanceAmerica. I notified XXXX XXXX XXXX that the debt had been settled in XXXX of XXXX with AdvanceAmerica and submitted a copy of a bank statement page showing the payment made to AdvanceAmerica, along with an email confirmation from AdvanceAmerica stating that the balance was paid. The collection company then submitted the information to AdvanceAmerica for review. As of XXXX the collection company has not received a response from AdvanceAmerica. 

On XX/XX/XXXX, I followed up with the collection agency and was told they were still awaiting a response from AdvanceAmerica. That same day, I called AdvanceAmerica and spoke with a representative who asked me to upload copies of the documents I had sent to the collection agency. I did just that, however, I never heard back from AdvanceAmerica. 

On XX/XX/XXXX, I once again called AdvanceAmerica and was told that the documentation I had submitted was insufficient and that they needed my entire bank statement showing all of my personal expenses. For reference, the original statement I sent them had my personal expenses and transactions blacked out since they were unrelated to the balance in question. The payment made to AdvanceAmerica, however, was NOT blacked out and could be fully verified. I was told by the supervisor at AdvanceAmerica that I would need to submit an un-redacted copy of my bank statement which shows confidential information. I let the supervisor know that the payment in question was clearly visible on the statement I submitted and there was no reason they needed to see all other personal transactions. I was told that was their policy and unless I submitted a copy of my statement showing my personal expenses, balances ( which includes savings and investment accounts ), that they would not verify the payment and ensure that my account with them was accurately updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/2023 Citi scam call regarding a fraud charge. Gave personal information. 
Closed my credit card with Citi and was reissued new ones. 
Scam number 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 2023-03-23 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: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
Around XXXX of XXXX there was a promotion to sign up for a XXXX Credit Card issued by Comenity Bank , the promotion was that if you made a purchase within 90 days of opening your account they would give you a {$50.00} XXXX XXXX XXXX XXXX I still have the email saved as evidence for this offer. After getting my card and making my first purchase within 90 days I waited approximately 8 weeks before reaching out regarding my store code. I was told that their systems were updating and that they would add the points to my account soon so that I could redeem them for my {$50.00} store code. 4 weeks later I reached out again because I still didn't have my points, I was told the same thing as before, their systems were updating and hopefully my points would get deposited soon. In XXXX of last year I finally got a letter in the mail saying that the update was done and that points would start to be added, I was notified that my points were added yet when I went to check it was nowhere near enough to get a {$50.00} store code, I was given around XXXX points and a {$50.00} XXXX XXXX card is closer to XXXX points, so I was missing quite a few points. I called again and was told once again that the system was updating. At this point I made a complaint with the XXXX XXXX XXXX  about a month later I received a letter from Comenity apologizing but still not doing anything. I am fed up with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I was notified that my credit score went down by XXXX points due to a late payment at Macy 's. In XXXX of XXXX, my account was hacked and I updated my Macys app to a new bank account number. 
Unbeknownst to me, Macys removes me from auto payments since they tried to make one and it was sent back to the bank.

I called Macys to remove the credit report because : 1. I was not notified they pulled me from auto pay.

2. No attempt was made to contact me.

3. No letter was sent to me notifying me of any issues. 
When I called Macys the gentleman I spoke to told me I was not set up for auto pay. So we set that up and set up paperless statements. 
When I spoke to Macys, 1 day later ( I was informed no one could help me until the payment cleared ) I was informed that I had paperless statements that it was my job to open them. 
I explained I just set that up yesterday. 
She explained that they sent to me numerous notices. I asked what they were and she said : 1. We called you. I had no voicemails. She said all calls were unanswered with no message left. They never left a message!

2. They said they mailed me late notices. I said to where? She gave me an address I have not lived at for 11/2 years. I then asked how come I changed my address in my Macys app and you guys have sent me multiple products to my new address and you don't have it? She told me that the app does not speak to my " account '' so they had my old address. 
All of there reasons are unacceptable, to say the least. 
A consumer by law must be notified if they are going to be sent to collections for late payments. 

Nothing was sent to me and no call from them left a message. 

This single incident and their carelessness cost me a decrease in my credit of XXXX points. Which will cost me XXXX  of dollars in the upcoming years. They did not do their due diligence and it must be fixed. Please help. They have said their investigation shows no error on their part. They even sent me a copy of the letter they mailed to the wrong address PROVING they made the error and they refuse to budge. 

I can prove every inconsistency in their letter to me. I have proof that two of my bank accounts were hacked and had to be changed. In their letter to me they state that my auto pay was only set up in XXXX and that is incorrect. That was my bank 's first hack resulting in closing an account I had for over 20 years. 

I was not notified of an issue of none payment, as I continued shopping and buying items with no notification. Their letter to me is inaccurate and false. 

Please help.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The date of the inquiry is shown in my reports is XX/XX/2023 @ XXXX EST. The company said that they do not have any of my information on file & would fix the discrepancy within 30 days. It has been well over of 60 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. Dates of Contact : XX/XX/2023, XX/XX/2023, XX/XX/2023 - Person/Agent of initial Contact is XXXX at the Nevada Office XXXX XXXX XXXX -There has not been anyone that is able to find an account or application with my information yet the XXXX XXXXXXXX continues to have a negative impact on my TransUnion Credit Report. I have called XXXX & have yet to have the issue resolved. This inquiry is causing a hinderance and hardship to myself & my 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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
They have restricted my account due to check activity, however, the mistake was made by the institution and not myself and the institution has rectified the mistake and proceeded to send me a new check. However, until the Navy Federal Credit union completes its investigation I have a negative bank account. My finances have been on a complete hold due to this process that was supposed to take 15 business days, now being told it will take up to 60 days. 

60 days with no money? My children are out of town and I mainly support their living expenses however they are not able to use these accounts because 1 all of their money was drawn from the account and fees were applied. 

I have been personally been treated as if I was a criminal and overheard staff members discussing my case while I was trying to resolve this in the branch in XXXX, GA. 

I have been out of travel expenses, wages, and personal pain and suffering from this whole ordeal without a since of empathy or care on how this could be altering my everyday living.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: GA

Complaint narrative:
I have been working on my TRANSUNION credit profile and I noticed there is an incorrect addresses on my report. If you can also take a look at my name appearing incorrect as well. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The incorrect names are XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX  and XXXX, XXXX, XXXX. 


The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXXXXXX XXXX XXXX, OH XXXX. With that being said, my correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. I am also showing an incorrect EMPLOYER of XXXXXXXX XXXX XXXX and there is XXXX XXXX XXXXXXXX showing that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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  ] has violated my rights. I've disputed these accounts highlighting the inaccurate and incomplete information reporting, and these companies continue to violate my rights. please help me solve these issues. 

Thanks

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 has violated my rights. I've disputed these accounts highlighting the inaccurate and incomplete information reporting, and these companies continue to violate my rights. please help me solve these issues. 

Thanks

Company response to consumer: Closed with explanation