vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

In accordance with the Fair Credit Reporting act XXXX  Account has violated my rights 15 U.S.C 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX : Account numberXXXX XXXX XXXX XXXX XXXX : Account numberXXXX XXXXXXXX

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 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
First opened a case with Chase Travel on XX/XX/, to request a refund for a flight cancellation. I worked with an agent who promised he will look into cancelling the flight and refunding the account for the remaining amount. After many and long holds, he eventually said he will reach out to the airline first for the reimbursement. Then he said he will return the call once its resolved. 

I waited two days and called back on XX/XX/XXXX  since I have yet to hear back from Chase Travel or XXXX XXXX XXXX. The Chase Travel agent had me go through explaining the issue again and said that XXXX XXXX has not responded. When I called XXXX XXXX directly, the agent there said the issue has to be resolved with the credit card company. Chase Travel put me on hold again and said they will call back once the issue is resolved. 

I again, waited for Chase Travel to call me back with the confirmation with the refund. However they never did so I called to follow up on XX/XX/2023. The agent had me explain the problem again. He mentioned Chase will reach out to confirm when the refund is confirmed. However, I asked him to resolve the issue immediately or send a confirmation email that this is taking place. He refused to send me any confirmation. I insisted he escalate this issue. After a long hold, he responded there will be a refund issued to my account. 

After few weeks of not having and refund reflected on my account. I called back on XX/XX/. The representative had me explain the problem and it was back to square one. With empty promises of refunds reaching my account " soon '' or in " few business days '', I no longer have any confidence in Chase Travel support they will do right with the customer. The agent there continues to make empty promises without any evidence. I have yet to receive any refund for a cancellation request from weeks ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I called after the merchandise was not received, they filed a dispute and never gave me a disclosure or any follow up. They refuse to let me talk to anyone in their dispute department and tell me I should have filed with PayPal instead of synchrony bank.

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 2023-05-08 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: Aldous & Associates, PLLC
State: AL

Complaint narrative:
Aldous and Associates broke all laws that follows including 20 USC 1232g ( b ). 15 U.S. Code 1681 ( a ) ( b ) ; 15 U.S. Code 1681b ; P.L 90-321 ( 82 Stat. 146 ) ; 15 U.S. Code 1681c ; 12 CFR 1022.3 and 15 U.S. Code 1681n. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: DISCOVER BANK
State: TX

Complaint narrative:
XXXX or Discover reported in accurate information on my credit report if they cant provide validation of the information reported it must be deleted or updated to positive payment history. I have not supplied proof under doctrine of estoppel by silence, Engelhardt v.Gravens 281 SW 715,719, I presume that no proof of the alleged debt, therefore any such debt, in fact therefore exist as late payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: FL

Complaint narrative:
There is a double inquiry on my credit report under the same company, Advantage Credit Inc. I authorized a one-time inquiry, and my credit report shows a double inquiry with different days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was debited {$2500.00} from my bank of america checking account. it is a fraud. XXXX XXXX XXXX is the company that took this money from my account.

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 2023-05-08 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: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Amsher Collection SE broken all laws that follows including 20 USC 1232g ( b ). 15 U.S. Code 1681 ( a ) ( b ) ; 15 U.S. Code 1681b ; P.L 90-321 ( 82 Stat. 146 ) ; 15 U.S. Code 1681c ; 12 CFR 1022.3 and 15 U.S. Code 1681n. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have reached out to these companies on XX/XX/2023 stating that this inaccurate unknow information is not mine and I need it deleted. I asked these companies to verify these unknown, inaccurate accounts which is to provide me the original contract or agreement with my wet signature, and the statements where they interviewed others who know me. It has been over 30 days and these companies are continuing to violate my consumer rights and ignoring my request. I have provided what is stated by law needed to provide my identity and that I XXXX XXXX is a real natural person. These companies are reporting new negative information every month which is illegal. These companies have caused me and my family financial hardship because they are illegally continuing to report unknown negative information on my credit report which has made it difficult to find a job, and place to stay for my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: LA

Complaint narrative:
I have reached out to these companies on XX/XX/2023 stating that this inaccurate unknow information is not mine and I need it deleted. I asked these companies to verify these unknown, inaccurate accounts which is to provide me the original contract or agreement with my wet signature, and the statements where they interviewed others who know me. It has been over 30 days and these companies are continuing to violate my consumer rights and ignoring my request. I have provided what is stated by law needed to provide my identity and that I XXXX XXXX is a real natural person. These companies are reporting new negative information every month which is illegal. These companies have caused me and my family financial hardship because they are illegally continuing to report unknown negative information on my credit report which has made it difficult to find a job, and place to stay for my family and I.

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 2023-05-08 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: AL

Complaint narrative:
THIS IS MY SECOND TIME DISPUTING FRAUDULENT ACCOUNTS AND UNAUTHORIZED INQUIRES. I HAVE SENT IN MY POLICE REPORTS, FTC REPORT AND IDENTIFICATION VIA MAIL CONTINUOUSLY. THESE ACCOUNTS KEEP COMING BACK VERIED AND ACCURATE WITH NO PROOF. I HAVE LOOK AT MY XXXX XXXX AND NONE OF THESE ACCOUNTS ARE LISTED. I WANT TO KNOW HOW ARE THESE FRAUDULENT ACCOUNTS ARE BEING VERIED. ALSO, I CAN NOT REVIEW MY CREDIT REPORT ONLINE. IT TELLS ME TO GIVE A CODE TO AN EQUIFAX REP. WHEN I CALL THE REP DOESN'T KNOW WHAT I AM TALKING ABOUT. 

XXXX XXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Credit card was closed around a year or two ago with a {$0.00} balance now account has been reactivated and has been reported as an open credit card to XXXX. I did not reactivate this. I want it closed permanently and removed from the 3 credit monitoring services. I tried calling their customer service and they could only tell me the account was closed

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 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America closed my bank account without any reason at all. I had just turned XXXX and was happy to finally open a bank account, and since my father had been using Bank of America for many years now I also decided to open an account with them. Everything went well and it was opened online somewhere in XXXX. My father sent me an initial {$100.00} through XXXX, and on one of the days I received a notification that the balance was gone, then I checked and no transactions were made either which was strange, the money came back out of nowhere. This also happened at the same to other people and was on the news. Just to show that Bank of America makes errors. After a few days, I take the money I have saved up in cash which was around {$600.00}, and deposit it into a nearby atm which went well. At the same time, I opened a broker account with XXXX to start learning how to invest, I put in {$20.00}. I also received some money from a friend around {$22.00} in a XXXX transaction. This shows that my bank account was active. I have not made any transactions that would overdraft my account or bring it to a low balance it was kept at {$740.00} at the time. At the start of XXXX, I tried to login into my bank account, and it said that it was not found. I also received a letter promptly saying that my bank account was closed, it didn't give any reason as to why. I had contacted customers support around maybe 7 times now with all of them getting me nowhere with them giving me a response as to what the reason is. I was able to take out all my money in a check which was good. I tried to open another bank account with Bank of America but then was denied with an email that came in weeks later saying that my XXXX XXXX XXXX report score was low. I then proceeded to request a report with them to see if they would have any information as to why, possibly some kind of incorrect information, but not even in that report was there anything to hint as to why the account was closed. With this bank account also my XXXX was closed. I could open a bank account with Bank of America in person at their office which was also strange.

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 2023-05-08 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Credit Management broke all laws that follows including 20 USC 1232g ( b ). 15 U.S. Code 1681 ( a ) ( b ) ; 15 U.S. Code 1681b ; P.L 90-321 ( 82 Stat. 146 ) ; 15 U.S. Code 1681c ; 12 CFR 1022.3 and 15 U.S. Code 1681n. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XXXX XXXX  I never signed the contract. The amount was {$26000.00} year was XX/XX/2018 The company XXXX never verified my identification I never signed the contract. And I still owe {$25000.00} the loan never goes down could you please investigate that for me? I dont think it was correct with the way they did. Thank you, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On Saturday XX/XX/2023 I attempted to make a purchase using my Bank Of America debit card. Unfortunately it was declined. Which was odd because I know I had more than enough to make the purchase within my account. I called the bank to see what was going on. I was instructed to go to my nearest banking location with proof of my identity. I do so. Once there I was told the department that place the freeze was not open on the weekends and that I needed to call them Monday morning XX/XX/2023. To which I did. After spending more than two hours on the phone with the fraud department. They told me that did not have any reason on why my account was in review and why my account was frozen. I would have to wait until they are done with the review. I asked what are you reviewing and I was told they don't have any information outside of its in review and there is nothing I needed to do outside of just waiting which could take up to 30 days. I opened my new account online and I had to fund the account in person. The check was drawn from Merrill Lynch which is Bank Of America with whom I have my checking account. I cashed the check once it was verified and pulled out cash and left the remainder of my deposit in my account. No one communicated with me from Bank of America by way of email, call nor text message to let me know what was going on. They placed the account in review on the XXXX of XXXX with no communication to me at all. I have bills I must pay and they tell me that they are not responsible for my bills that can't get paid while my account is in review. I don't understand how they can just take my money with no explanation what so ever. There is no fraud on my account. There are not suspicious transaction on my account. I have not sent nor received any deposit from over seas or any foreign countries. My husband and I went in to our local branch today Monday XX/XX/2023 to speak with a representative to see if they could provide any additional information. She made calls and was told the very same thing we were told. The branch manager got involved and was unsuccessful in getting any other information as to why. She told us she had never seen this happen before because it was a cash deposit. This is very dangerous that a bank can just take your money and not give you a reason on why they did so. They did violate their own disclosure agreement. It states they have the right to place any account in a review status at any time however, they must disclose to the owner of that account why this action has happened. In which they refuse to do so. Can someone please help with this problem? After this we really don't trust the banks anymore.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
MESSAGE FROM EXPERIAN CREDIT bureau : Our office recently received your correspondence regarding the above-mentioned consumers rebuttal of our response to their complaint. 

We have mailed a current credit report directly to the consumer for review. If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows : not mine, paid in full, never delinquent or included in bankruptcy or for public record disputes : not mine, paid/satisfied, vacated or filed in error. If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or account name and number. 

Please provide the consumers specific disputes along with their complete identification information ( Social Security number, full name, current address, previous addresses in the last two years and date of birth ). Also, please include one copy of a government issued identification card, such as a driver 's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. 

Please note that they may submit their request or documents supporting their claim electronically at www.experian.com/upload. They may also visit Experians dispute center by visiting www.experian.com/dispute. 

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX XXXX TX XXXX XXXX 

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. 

Sincerely, XXXX XXXX Senior Regulatory Affairs Associate Experian Consumer Affairs THEY ARE FULL OF XXXX! THEY CAN'T HAVE ACCURATE INFORMATION IF THEY DON'T HAVE MY INFORMATION. REMOVE THE NEGATIVE INQUIRIES FROM MY CREDIT REPORT NOW!!! EXPERIAN, XXXX, AND XXXX IS IN VIOLATION OF STATE AND FEDERAL LAWS.

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