vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TN

Complaint narrative:
The US bank deside to close my account after i made a withdraw from my XXXX  account to bank account ( XXXX ). 
First when i link my bank account with XXXX has been over XXXX months when XXXX send me XXXX small deposit by the time the bank never decide to close or hold the money. My XXXX account has been link with my XXXX Name XXXX XXXX  That means ( XXXX XXXX ) When people has a bussiness account its possible to have any nick name, thats meam if i transfer fund to my bank its coming showing that nick name, but is the bank do not understand that is not my Problem!!!!!! 

Almost XXXX moths with this issue, and the bank keep my money, i went to the branch and i spoke with the manager to XXXX ( XXXX ) She said the fraud deparment do not want release the funds. 

I told her XXXX time, if the bank do not want gave me my money, just return my XXXX money to XXXX  and i will be able to transfer the fund to my other bank. 

So, i just want us bank refund my money or give me my money without more issue, im tired about this situation. or im going to issue the bank for by thieves.

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 2023-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was given a american express gift card and it basically works no where. 
I was declined 2x on line from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a restauarant. 

i will specfially tell my boss never to purchase these again. It states where ever american express is accepted but its a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed my XXXX credit card statement had a {$26.00} charge for services I never requested let alone used ( I never requested a credit report ). When I called TransUnion they indicated I had signed up for an unlimited credit request since XX/XX/XXXX. I called I asked to stop the service immediately on XX/XX/XXXX and requested a credit for the entire time period, I was told that would be escalated but the service would stop. I called again on XX/XX/XXXX and spoke to " XXXX '' who indicated the first person didn't stop the service so I was charged in XXXX for another month of service. He stopped it and told me the entire amount would be credited back ( XXXX years ), however since it was more than XXXX  months I would have to wait XXXX  days for a check to be sent. I followed up on XXXX requesting the credit ( check ) be mailed sooner than XXXX  days since I would be traveling in XXXX. I got a call back on XX/XX/XXXX from a Supervisor indicating that I would indeed get the check but would have to wait. I called again in XXXX and was told the month of XXXX didn't count within the XXXX  day waiting period. I called finally on XX/XX/XXXX and was told the check should be arriving any day and finally I called today XX/XX/XXXX and was told a Manager would get back to me in XXXX business days for an update. Each call meant XXXX hours of waiting/talking time with anywhere from XXXX people per call. I really believe they shuffle you between departments where no one can answer a question or help you to the point they just want you to give up. The dollar amount I was promised back on XX/XX/XXXX that was approved and would be paid to me is {$720.00}, they just don't seem to have any interest in sending me the payment.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of accurate reporting, and I appreciate that credit reporting agencies play a crucial role in maintaining the integrity of credit information. However, it is equally important to consider the context of financial challenges that may arise, especially when these challenges are temporary and do not reflect a refusal to fulfill financial obligations. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I insist that your bureau updates the reporting of the late payment dates to accurately reflect the current status of the account. The reporting should indicate that the account is up-to-date since it has been paid. This correction is vital to ensure the fair and accurate representation of my credit history. While there were lapses in payments due to unforeseen financial circumstances, it is imperative to note that these late payments were eventually rectified and brought up to date. Despite the temporary setbacks, the account has since been paid, and I expect your bureau to accurately reflect this on my credit report. 
XXXX XXXX XXXXPLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I trust that you will conduct a thorough investigation into this matter and promptly make the necessary corrections to my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). It is my right as a consumer to have accurate and up-to-date information on my credit report, and I expect your bureau to uphold these standards.

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 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Did not recieve information to dispute. Did not recieve signed contract verifying debt. Harassed via phone numerous times and they wouldn't speak to me in detail without verifying my personal information first ( FULL SSN & date of birth ) Called my PARENTS regarding supposed debt. Filed lawsuit without proper documentation, false claims and inaccurate information. Their verification of debt is a monthly statement from a bank with my name on it and a bill of sale, I don't know what this debt is & a statement with my name ( that could easily be falsified ) does not make it mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: AL

Complaint narrative:
I was checking my credit report today and noticed an account I didn't recognize. Synovus First Digital. I never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I insist that your bureau updates the reporting of late payment dates to accurately reflect the current status of the accounts. I understand the importance of accurate credit reporting and take my financial responsibilities seriously. However, it is essential to note that there were occasional delays in my payments. It is unnecessary and misleading to continue reporting late dates when the accounts have been paid and are no longer delinquent. The reporting of these late payment dates is adversely affecting my credit standing and does not accurately represent my financial history. Despite these temporary lapses, I made the necessary payments to bring the accounts up-to-date, and there is no outstanding balance that justifies the reporting of late payment dates. I was the victim and XXXX not sure why the CRA is not complying with the law. The other bureaus have followed suit. XXXX very confused why this one seems to ignore my requests. I request a prompt and thorough investigation into this matter, with the immediate removal of the inaccuracies and the updating of late payment dates to accurately reflect the current status of the accounts. It is crucial that your bureau complies with the Fair Credit Reporting Act ( FCRA ) and rectifies these discrepancies without further delay. 
XXXX XXXX XXXX XXXXPLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

XXXX XXXX XXXXPLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I expect to receive written confirmation of the resolution and the updated credit report at the earliest opportunity. The reporting of inaccurate late payment dates is not only misleading but also detrimental to my financial reputation, and I insist on a swift resolution to rectify this issue.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to follow up on my previous correspondence, where I formally reported fraudulent items on my credit report. Despite my initial dispute and subsequent communication, it appears that the fraudulent items persist, causing substantial harm to my financial standing. 

I urge that credit bureaus will conduct an immediate and comprehensive reinvestigation into the reported fraudulent items. 

I request that the credit bureaus would communicates the resolution of the dispute to you in writing. 

I am deeply concerned about the ongoing presence of these fraudulent items on my credit report, which is negatively impacting my ability to secure financial opportunities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR 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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to follow up on my previous correspondence, where I formally reported fraudulent items on my credit report. Despite my initial dispute and subsequent communication, it appears that the fraudulent items persist, causing substantial harm to my financial standing. 

I urge that credit bureaus will conduct an immediate and comprehensive reinvestigation into the reported fraudulent items. 

I request that the credit bureaus would communicates the resolution of the dispute to you in writing. 

I am deeply concerned about the ongoing presence of these fraudulent items on my credit report, which is negatively impacting my ability to secure financial opportunities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Our issue first came when we were paid out by XXXX XXXX through a digital credit card for our services for a total of {$3500.00}. It was sent through XXXX XXXX  and transferred to our Square account.

Once we began processing the transfer from our Square account to our business banking account, Square has held our funds for a month with many delays and a {$120.00} fee. We paid this fee expecting an efficient transfer of our funds. On further communication with the company, they ran us through a verification process which was successfully validated. On completion, however, they sent an email saying that our account was deactivated and have frozen our funds until XX/XX/2024 with no option for appeal. 

We are an official XXXX business and have met all the criteria listed for Square transactions. Furthermore, we have been paid out by the official XXXX XXXX XXXX XXXX XXXX 

Please let us know if any further information is needed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
AMERICAN ACCOUNTS ADVISORS INC contacted me several times in XXXX regarding an unpaid medical bill. I explained that I did not owe the bill because I had insurance. I faxed and mailed them a copy of my insurance provider 's information ( card ). I also returned their bill, having written on the bill that I did not owe the bill. 

AMERICAN ACCOUNTS ADVISORS INC falsely wrote in their notes more than once that I hung up on them without providing/offering to provide my insurer 's information. They apparently never resubmitted the billing to the insurer. AMERICAN ACCOUNTS ADVISORS INC placed the bill on my credit reports in the amount of {$780.00}. I have disputed the bill with the credit reporting agencies but AMERICAN ACCOUNTS ADVISORS INC refused to allow it to be removed. 

On XX/XX/XXXXXXXX  I spoke with XXXX XXXX and his supervisor XXXX XXXX. XXXX XXXX stated it is too late to submit the bill now and refused to allow the false information to be removed. I am asking for your agency 's help in having AMERICAN ACCOUNTS ADVISORS INC remove the false information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I received an American Express prepaid gift card from my employer in the amount of {$300.00}. The card number is XXXX XXXX XXXX. When I attempted to make purchases with the card, it was declined repeatedly. 

I spoke with AE customer service on XX/XX/2023 and they told me the transactions were blocked for unknown reasons and I would be unable to use the card at those retailers. When I asked what retailers are authorized for use with this card, they did not have an answer, despite the fact that their website states You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . This statement can be found at https : //www.amexgiftcard.com/frequently-asked-questions Customer service was unable to give me any information other than to try using the card at other retailers until I had success. They also informed me that the balance of the card had been decreased to {$290.00}, again for unknown reasons. 

This system seems designed to skim a few dollars from American consumers. They are holding my legal tender XXXX and there is apparently nothing customer service can do about it. All I want is the total balance of my card paid in check.

Company response to consumer: Closed with monetary relief