vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX @ XXXX I bought 5 gift cards for {$1900.00} as follows : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX # XXXX - {$500.00} # XXXX - {$500.00} # XXXX - {$500.00} - card has never been replaced. they still have my {$500.00} # XXXX - {$200.00} # XXXX - {$200.00} I paid for the cards with my debit card. Went home had coffee, sat down to sent cards out. first card I went to pay a bill, gave the lady the card number and thought I was finished, the lady said no there is no balance there. Went back to XXXX to have them unlock the cards. I got a store manager to help me. The manager call AMEX and had them look up the cards and was shocked to hear what he heard, first card was used on XX/XX/XXXX and was repacked. The manager said how can that be that card she just got the card today this morning. All cards used except for XXXX {$500.00} was still good and AMEX requested a replacement card for it. I waited XXXX days for Both replaces cards were no good. Still have not received another one. At that time I wanted a replace check instead but AMEX said no. I have cried till I cant anymore and fighting this battle. I am suppose to get married at the time this happen and had to rescheduled the date. I did some research and found out that XXXX XXXX news broadcast gave some light on the gift cards scam warning from XXXX and how many people were getting screwed by them and their policies. This is not the first time for me, the second one happened just a few days ago, XX/XX/XXXX, XXXX, {$180.00}. I got this card for a birthday present it was bought at XXXX and it was XXXX balance when i got it. I called AMEX and they had no words for me but offer to send a replace card. I got the replace card XXXX weeks ago and it was good until XX/XX/XXXX. I called on XX/XX/XXXX and there card had XXXX balance. the lady gave me information that someone called XXXX on XX/XX/XXXX and used {$170.00}. and she also gave the ID XXXX and the transaction was completed yesterday XX/XX/XXXX. The lady asked my name and I gave it to her and then the lady quickly said she couldnt give me any more information and hung up. Now today I am writing out of anger, frustration and concern for other people who have gotten hit or will get hit if this isnt put out to the public. There is enough scams going on in this world.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX submitting this complaint against Transunion, LLC and their is no third party involved. 

As of today, XXXX XX/XX/2022 at XXXX XXXX. ( EST ) your company is entering a binding contract ( Attached below ). Also your company is to hereby delete and purge the accounts listed below, and if your company does not delete these accounts within 3 business days, I will seek legal compensation for up to {$5000.00} per occurrence as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA. 

Delete & purge the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all hard inquires, potentially negative accounts & late payments as well.

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 2022-11-12 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: NJ

Complaint narrative:
I Was A Victim Of Stolen Identity And In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting.

It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.

In addition based upon USC 15 1681 ( c ) ( 2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than 4 business days after the date of receipt. It has been beyond 30 days and I would like this false information removed because it is inaccurate and causing financial damages. 

This does not comply with the subchapters of the FCRA ( Fair Credit Reporting Act )

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 2022-11-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IA

Complaint narrative:
Toyota Financial reported my lease over XXXX  days late asserting they did not receive a payment on XX/XX/XXXX, when it was approved and received by them in XX/XX/XXXX. My XXXX payment due on XX/XX/XXXX and was behind only XXXX  days late due to a bank issue. No payment was at any time over XXXX  days late impacting my credit immensely by reporting it incorrectly. It should not have been reported whatsoever as the one late payment I had with them was only XXXX  days late. Every payment in the last year was submitted XXXX  days early.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Atlantic Mortgage and Funding, Inc.
State: LA

Complaint narrative:
This company is advertising dscr loans for XXXX XXXX down. They do not disclose requirements before running credit report. They also dont give a loan estimate. They make you pay for appraisal and inspection then tell you the property does not qualify for the loan the DAY of closing. The loan officer should have been able to run the numbers for the debt service before application was submitted for the loan. They assured us that it did qualify. The loan officers do not know what they are doing and are deceiving customers. This is an unprofessional company and lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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 — Was not notified of investigation status or results
Company: ERC
State: GA

Complaint narrative:
I need your help as an elderly person on exempt income who has been played on so many levels and being ignored when I send letters to all these collection agencies, credit reporting agencies and lawyers over XXXX months now back in XXXX and XX/XX/2022 of the alleged debts. There has been ZERO responses but harrassment from collections agencies that only caused me stressors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$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 2022-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
I attempted to engage in a consumer credit transaction by applying for an open ended credit account with Barclays Bank Delaware on XX/XX/2022. 

I have since received a letter stating that they are unable to approve me for a XXXX XXXX credit card. 

Have I been XXXX XXXX 

As a consumer, I have read Title 15 USC 1691. I believe the law has been violated in this case.

I did not authorize the sale of any of my private information and I wonder if any of it has been sold by Barclays Bank Delaware. Is there a law prohibiting the unauthorized sale of my information? The application was filled out online, but I also wonder if a form XXXX was filled out in connection with this transaction. 

Also, I believe mail fraud XXXX have been committed in the delivery of this communication from Barclays Bank Delaware as there is no cancellation of a stamp on the envelope that contained this letter. I have uploaded a copy of the letter and the envelope with this submission. 

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 2022-11-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX$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 2022-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX ( Subsidiary of Texas Capital Bank ) has some issues on their systems. At different times of the day, they show wrong balances and wrong interest values etc., Currently, starting this month, two of my ACH withdrawals were returned and they blocked all my withdrawals. I don't have any way to take the money out ( as they returned all the withdrawals ), but they allow deposit ( very strange ). Now, I am very scared and there is no proper response from the bank, except some templated message, saying they have detected some unusual activity on my account. 

I don't know what is the unusual activity as after several messages, I haven't got back any answers from the bank. I don't know what they are investigating, as all transactions on the bank are legit and everything is very clearly listed. They have some issues on their system, which they accepted as good suggestion and said will work on it. 

So, my question, why my account is blocked from withdrawal and what is the unusual activity, that they are investigation. I have lost trust with the bank and I want to withdraw the money out ASAP as I feel very scared as the bank provides any valid reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$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 non-monetary relief
Consumer complaint received 2022-11-12 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: TX

Complaint narrative:
I checked my consumer credit report and I saw fraudulent and inaccurate inquiries. 

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 
By definition Transunion has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in the attached letter, all inquiries mentioned in attached letter must be removed

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 2022-11-12 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
This account is paid, me and the collection company make a agreement, PAID TO DELETE from my credit report, please remove this account from my credit report. 

Account name XXXX XXXX XXXX Account number XXXX Account type XXXX XXXX XXXX Individual Date opened XX/XX/XXXX Status Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am XXXX in the XXXX which is low ranking solider and I was contacted by a " XXXX '' asking me about mypay and that my pay was wrong. He asked me that in order to correct it I needed to send the money to him and that he will fix. I told I felt funny about it and he said that this is the XXXX way and thats how we run things. He claimed that we were going to meet in his office on monday and everything was going to be resolved. Well I followed his instructions and he said he will call me back to follow up and he never called.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime.. XXXX XXXX  to XX/XX/XXXX... XXXX $ ..I reported money coming up missing..and chime basically shut my account down..My email and chime was hacked. My XXXX thru XXXX XXXX was also hacked too... I think I may have open accounts in my name I know nothing about..my XXXX account was shutdown..I also see I may have had XXXX obtained somehow. I keep seeing it my email. I need help please sorting this out...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: TX

Complaint narrative:
I checked my consumer credit report and I saw fraudulent and inaccurate inquiries. 

Notice, it is a fact, XXXX  is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 
By definition Equifax has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in the attached letter, all inquiries mentioned in attached letter must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: iQuantified Management Services, LLC
State: IN

Complaint narrative:
I will pay the amount owed, I just need information on how to pay $ XXXXto whoever I owe it toXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have banked with Bank of America for several years. Seven months ago I went to the local branch located in XXXX XXXX, WA XXXX. I could not withdraw money from my atm card. I spoke with a customer service representative at the local bank and I was then told there was a freeze on my account due to fraudulent activity I was told. I spoke with a bank manager and he stated that there will be a investigation. I asked how long will it take 30 to 60 days. After two months, I got the same story. I have called several different people from the XXXX number to going back to the bank and speaking to the local branch manager. 
I have had direct deposit from my employers : XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX for several years. I have over {$6000.00} in employee wages that the bank refuses to release. 
I have called, I have waited and I am still getting the same answer seven months ago. 
I would like a full investigation in on this matter.

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 2022-11-12 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:
There are unauthorized businesses on my credit report.

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 2022-11-12 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:
XXXX HAS FAILED TO COMPLY TO OBLIGATIONS OF FURNISHERS UNDER THE FCRA and placed this account under charged off with a balance, and on the week of XXXX XXXX reported the account in collections. 

XXXX continues to furnish information that I have identified as resulting from identity theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

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