vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergont Account # XXXX XXXX XXXX XXXX XXXX, has violated 611 15 U.S.C 1681i ( 5 ) ( b ) I disputed this item on XX/XX/2023. This item was deleted from my credit report on XX/XX/2023 file number XXXX. The account was added back on my report. However, you failed to notify me within five business days that this account was reinserted back onto my credit report and therefore is in violation of 611 15 U.S.C 1681i ( 5 ) ( b ) and you need to remove Account # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergont Account # XXXX XXXX XXXX XXXX XXXX, has violated 611 15 U.S.C 1681i ( 5 ) ( b ) I disputed this item on XX/XX/2023. This item was deleted from my credit report on XX/XX/2023 file number XXXX. The account was added back on my report. However, you failed to notify me within five business days that this account was reinserted back onto my credit report and therefore is in violation of 611 15 U.S.C 1681i ( 5 ) ( b ) and you need to remove Account # 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
2nd Attempt! Today the company responded with data about inaccurate reporting, which isnt my complaint and they didnt answer my complaint. I can not access my credit report and have not been able to in over 2+ years. Then, CFPB marks the case as closed without reading the companies response for they clearly would have noticed the company did not address the complaint.

Problem : I CAN NOT ACCESS MY CREDIT REPORT DESPITE MAILING DOCUMENTATION TO CONFIRM MY IDENTITY!

Complaint : On numerous occasions in the last two years have worked with Equifax to gain access to my credit report. I have called them, certified mailed documents that include ( s ) my social security card and drivers license. However, I still have not gained access to my report and neither can borrowers. Today I spoke with Equifax, again, and they are telling me they have not received the documents I have mailed twice before and that I need to send them again. This is affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
Please see the dates in the attachments where I have been trying to work with this creditor and explain to them that I am a victim of identity theft and have been working diligently the past year to clean up the mess that is my credit. They have been unresponsive and continue to just send credit statement after credit statement as some kind of proof the account was active, however, those purchases were never done by myself. Discover Credit Card Services keep denying my claim even though I have sent in proof of where I was living at the time of this card being opened without my permission, as well as my FTC report, police report, and my own written statement of the crime committed against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: PA

Complaint narrative:
The information is not correct or up to date. 
Old information keeps reappearing.

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 2023-08-17 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Sometime last year, I had an issue with a Venmo transaction that was entirely my fault, but caused my account to be suspended. What happened was I transferred {$35.00} to another account and didn't realize that it was my own account because I forgot and I reported it. My account was immediately frozen and when I attempted to resolve the issue, I could no longer transfer money from my bank account into my Venmo account. Then in XXXX of this year, I legally changed my name for personal reasons, so I decided that since I couldn't fix the old account, I would attempt to create a new account under my new name. It seemed to work, but upon receiving my Venmo debit card, my account was immediately suspended. I have since sent numerous emails about the situation to Venmo 's support team and made numerous phone calls. Venmo has failed to unfreeze my account or allow me to add any bank account because my bank account is tied to the other account and my joint checking account with my husband is tied to his own Venmo account. This issue has been escelated numerous times and yet, I still can not use my Venmo account over a matter of {$35.00}, which I told them I would put back into my Venmo account if they would just allow me to add a bank account. I should not have to open a new bank account just to fix an error that Venmo created. It should absolutely not take more than a year to resolve any issue with a financial institution and Venmo customer service further refuses to allow me to talk to someone who can actually resolve the issue. Their customer support team has put me on hold more than once, often leaving me on hold for 45 minutes to an hour until I eventually hang up and call back in. The support team is rude and completely unhelpful and none of them can actually troubleshoot any issues. They are basically just reading from the same articles the help section on their app gives and not actually doing anything to provide any real support to their customers. Oh, and to top it off, they are still insisting on calling me by the wrong name, even though I submitted correct documentation for my name change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: IN

Complaint narrative:
I had some financial problems back in XXXX and had to go through XXXX for mortgage assistance. It took a few months to finally get approved and me and my wife were so grateful that we were getting the help we needed to get current on our mortgage. In the end of XXXX of XXXX I got the great news that the funds will be applied to our account and our mortgage will be current. As of XX/XX/XXXX the funds were supposed to be applied to account and this is the XXXX th of XXXX and the funds are still not applied to our account. Called lost mitigation multiple times and they keep telling me the same thing that the funds were never received. I have proof and assistance program has proof the money was sent out. Loss mitigation keeps telling me they are working on this to resolve it and five months later I'm getting the same response every time. I sent them several emails with reference number for them to look up the payment and also screen shots of the date that this was paid and still they say they have no funds to put towards the account. I'm getting very concerned that I am going to lose my home. I got this help to be able to keep my home for me and my family. This bill keeps getting bigger and bigger and I feel like they are keeping the funds to their selves and trying to blow it off and they want me to go into foreclosure and lose my home. I'm currently working with the assistance program to try to get things resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America allowed a credit card be opened without my knowledge

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 2023-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I initiated a wire transfer in the amount of {$3600.00} to recipient XXXX XXXX. Several days lays later the recipient informed she had not received the funds. After futher investigation with my bank ( XXXX ) I confirmed that the funds were fraudulent deposited into a Truist account not belonging to XXXX XXXX. 
I reached out to Truist to initiate a fraud claim and they stated there was nothing they could do although I had the fraudulent recipient account number ( Account 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 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
1099C HAS BEEN FILED AND ACCEPTED DEBT HAS BEEN DISCHARGED AND PAID COMPANY IS STILL REPORTING NEGATIVE REMARKS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing to formally address a concerning situation involving unauthorized actions and inconsistencies related to my Bank of America ( BOA ) credit card account ending in XXXX. The sequence of events and the subsequent actions by BOA have not only violated my consumer rights but have also inflicted considerable distress and disruption in my personal and financial affairs. 

Without any prior notification, I discovered that my BOA card ( ending in XXXX ) was inexplicably closed. Moreover, all traces of this card vanished from both the online banking portal and the mobile app, despite my timely payment of the balance and ensuring the legitimacy of all transactions. To further complicate matters, on XX/XX/XXXX, a merchant reached out to me querying about a claim I supposedly filed against them a claim I neither initiated nor authorized. Following this, I contacted BOA multiple times seeking clarity. However, their feedback was inconsistent : they neither saw any claim against my supposedly closed account nor any outstanding balance. This inconsistency became even more baffling when, on XX/XX/XXXX, I received a letter from BOA, declining a claim I had never initiated. 

These events have adversely impacted my relationship with merchants, eroding trust and complicating both personal and professional engagements. Additionally, the entire scenario raises severe concerns regarding the safety and integrity of my personal and financial information with BOA. Above all, the mental and emotional toll this situation has exacted, compounded by the lack of clear communication and resolution from BOA, can not be overstated. I sincerely hope for an expeditious and satisfactory resolution to this grievance.

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 2023-08-17 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-08-16 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: U.S. BANCORP
State: CO

Complaint narrative:
This was a hard inquiry for a loan or credit service I didnt authorize. XX/XX/2023 from Elan financial services. 

I tried calling ( XXXX ) XXXX and all I got was USER BUSY notifications though my cell phone provider. 

Contacted XXXX and put a fraud alert no my report as well as disputed the inquiry.

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 2023-08-16 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: Advantage Credit, Inc.
State: CO

Complaint narrative:
Victim of Identity theft and leaked data. 

Unknown inquiries posted to credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally file a complaint against Chase Bank for a series of issues that have not only caused me severe inconvenience but also appear to be retaliatory in nature. Here 's a chronological account of the events : Transfer Limitation : On XX/XX/2023, I attempted to transfer {$1300.00} to a friend in an emergency situation, but was prevented from doing so due to a {$500.00} per day transfer limit. This restriction seemed arbitrary and posed an immediate problem for me. 

Refusal to Remove Limit : I contacted XXXX customer service to explain the urgency of the situation and verify my identity, but they refused to increase or remove the limit. This lack of flexibility caused significant distress and prevented me from providing essential support to my friend. 

Escalation Failure : I escalated the issue to Online Account Supervisor XXXX XXXX, expecting a solution. Disappointingly, she also refused to increase the limit, displaying a lack of empathy and understanding of my situation. 

Account XXXX : Shortly after my interaction with XXXX XXXX, my XXXX account was suddenly locked. The timing of this lock leads me to believe that it XXXX have been retaliatory in nature, further adding to my frustration. 

Persistent Issues with XXXX Transfers : Now, every time I attempt to use XXXX to transfer money, the transaction is rejected, and my account is locked. The unlocking process involves calling XXXX and waiting on hold for roughly XXXX minutes each time. This ongoing problem has made managing my finances a constant struggle. 

The experiences described above reflect poorly on Chase Bank 's customer service and suggest a lack of care for customer well-being and fairness. I respectfully request that the CFPB investigates these matters and assists me in resolving them promptly. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary actions to ensure that Chase Bank addresses these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union credit agency has been flagging my purchases and credit applications with FALSE fraud alerts since 2022. I have repeatedly been embarrassed by declined transactions while making purchases with my own credit card, in my own zip code, in stores I visit regularly, for as little as {$99.00}. This, despite having a FICO score of XXXX and a number of open accounts, a mortgage, paid-off vehicles and no late or derogatory payment data. 
I have asked Trans Union to REMOVE the fraud alert from my credit file. They have NOT successfully identified an actual fraudulent transaction or credit application. They have interfered in my shopping, purchasing, travel and gift-giving with false positive flags. 
My rights as a consumer and credit customer include the right to transact business without interference or undue embarrassment. XXXX, a digital fraud prevention company, reported a cost of {$2.00} XXXX for e-commerce merchants in the USA alone due to false positives. False positives erode customer trust and adversely impact reputational image when a legitimate sale is lost. 
Allowing consumers to initiate a fraud alert should not prevent that legitimate purchaser from doing business as usual. Unless and until Trans Union adopts a more accurate and complete verification protocol, I will be adding statements like these to my credit file and posting online in financial, news and security forums about the unreasonable inconvenience and interference this agency is forcing on legitimate consumers.

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 2023-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I buy a car threw American car center they had went bankrupt so Westlake finance came and took my car that I was paying on it and I have been talk to them about car that was. In shop so i was still make payment they just repo my car for no reason and they was so rude

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account Number XXXX 15 U.S.C. 1681, section 602.A states I have the right to privacy.

15 U.S.C Section 604. A.Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
DEBT HAS BEEN DISCHARGED AND IS NO LONGER OWED.

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 2023-08-16 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: MIDFIRST BANK
State: TX

Complaint narrative:
IN ACCORANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT HAS VIOLATED MY RIGHTS. 

15 USC 1681 ASECTION 602 A. STATES I HAVE THE RIGHT TO PRIVacy.

15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15usc 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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