vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 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: NY

Complaint narrative:
transunion is reporting incorrect informations on my credit report. when i ask for investigation, they tell me the informations was verified as accurate. but when i ask for proof of the investigation they refuse to provide any. i want proof that the informations reporting on my credit report are mine or accurate otherwise they have to delete them immediately. the items are : XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX bank XXXX Bankruptcy chapter XXXX XXXX bank XXXX XXXX bank 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 2021-05-27 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: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First is reporting a late for XX/XX/20 and this is not my fault, I recently took a look at my credit report and noticed this late was showing. I had already spoken to them about this because I was in the hospital for months and we had to move due to my health. I changed my address on everything, even with the postal office but somehow America First kept sending my statements to my old address. I wasn't aware about any balance and never got a call saying my account was going past due. I immediatley made a payment as soon as I found out. I called America First and explained that they were sending my statements to my old address and since I was out sick, my wife was taking care of things and unless she gets a statement there is no way for her to know if I have something to pay. America First ensured me this would be removed but it's still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has inappropriately removed funds from my personal checking account over 15 times. In several specific instances, this has resulted in my account being overdrawn and unable to pay recurring bills. Bank of America has hurt my credit, my financial relationships, and my ability to create banking relationships with other banks and lenders. I have complained several times about this issue, and have asked Bank of America to help me fix my credit. They have admitted to this error in writing, however the problem has not been fixed and the repercussions of my late payments continue to severely impact my credit score with all three credit bureaus. Never before have I been late on a payment, nor have I ever had any negative reporting on my credit file. I am filing this complaint, because Bank of America has not agreed to repair or fairly report my credit score, and they have damaged me and my family 's financial life.

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 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them about errors on my credit report and the violation that they made specially FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose. It causes me so much stress because it really affects me especially in getting access to different forms of credit which is needed during this time of a pandemic. I left no choice but to seek legal action against 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 explanation
Consumer complaint received 2021-05-27 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: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them about errors on my credit report and the violation that they made specially FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose. It causes me so much stress because it really affects me especially in getting access to different forms of credit which is needed during this time of a pandemic. I left no choice but to seek legal action against this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Pay Pal Complaint PayPal is holding {$90.00} of my funds. " They '' wouldnt put it on my PayPal credit, release it to me via check, nor deposit it to my credit card. " They '' insist that they can only do it after I upload pictures of my ID and my Social Security to them. Being a security professional myself, I absolutely refuse to trust PayPal servers vulnerable to hacking so much information about myself. They already have my SS Number, my credit cards, my phone, address, e-mail all verified by them many times over. Now they want my banking account on top of it. 
I unsuccessfully discussed this issue with several PayPal employees. 
Please make them send me the {$90.00} they owe me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Please see the attached. It has been more than 30 days and no response from no where regarding this FRAUDulent account reporting on XXXX. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have this US Bank XXXX XXXXe card for years. There is a benefit of the card which is {$320.00} annual credit for travel/dining purchases. The definition of " annual '' is card anniversary. Since my card 's annual fee has been always charged on XX/XX/XXXX, which is also a statement date, this is what I believe to be my anniversary date. I used my card on XX/XX/XXXX on some travel purchase. But for some reason, US Bank posted this charge a few days later and wasted my previous card year 's benefit. This is very disappointing for me, especially in a difficult year like this. I would really appreciate it if US Bank could make this charge ( on XX/XX/XXXX ) to be using my previous year 's allowance, instead of wasting my benefit. Thanks a lot!

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 2021-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
about XX/XX/XXXX, my American Express Serve debit/credit card was stolen near XXXX, Texas. In XX/XX/XXXX when I realized this, I contacted American Express and had the card suspended and a replacement sent to my mailing address. I know the name of the parties who stole the card and provided this to American Express. I submitted theft/credit card misuse complaint report with XXXX, Texas, police department about XX/XX/XXXX as is required. I provided all relevant info to XXXX, Texas Police Department and this complaint was sent to a Detective in the department ( Fraud Department ). I opened this account about XX/XX/XXXX. This account card is used as a debit and credit card, both and often the user must show identification to use the card for transactions, therefore, this case involves Identity Theft. The thieves in this case also were in possession of my state issued identification card and social security card, as well as insurance cards, etcetera. This account has Fraud Protection on it. American Express informed me about XX/XX/XXXX that I had to submit a completed Declaration of Fraud form, including for every fraudulent transaction that occurred during the time the card was out of my possession ( from XX/XX/XXXX to XX/XX/XXXX XXXX, which I did. This took several months. Over the course of the next couple of years, at some point I was also informed that I had to write a letter to the American Express Serve Office ( Account Protection Office ) in Georgia, which I did do. Fact, I was a XXXX XXXX XXXX  and was involved in several civil law cases during this time period, as still am. The files pertaining to this case and some others keep getting stolen, causing problems in proceeding with resolution in this case. After repeated attempts, American Express stubbornly refuses to return the stolen funds ( more than {$5200.00} ) .. The persons responsible for the theft are ex convicts with history of these kinds of thefts. I have made it clear to XXXX Police and American Express that I am willing to work toward prosecuting these individuals, including so that they can't do this to anyone else. American Express 's refusal to return these funds, even temporarily, is hampering prosecution on this case. In the meantime, the card as stolen again ( in XXXX ) and the thieves stole more than {$7200.00} from this account during a 9 month time period. As a last resort, I turned to the Texas Department of Banking regarding American Express odd handling of this case. From there I turned to the Office of the Comptroller of the Currency, who referred me to your agency. I am only asking for return of the {$5200.00} ish funds stolen from this account during the 5 month period the thieves were in possession of this card. American Express is in Breach of Contract on this matter. Respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
While booking flights on United Airlines website, XXXX, a pop up appeared offering a Chase United Airlines credit card. I am attaching a copy of that offer. I applied, was accepted and then booked my flights, assuming the credit of {$250.00} for opening card account would be posted to the same statement as the airlines charge. When it didn't, I made several telephone inquiries to rectify and never received an answer until a Chase service employee directed me to " secure messaging '' on the website. I have several communications back and forth with said " messaging service '' have forwarded a copy of the original offer made on the website and Chase still will not resolve the matter. The amount of money is not the issue here. The run around from Chase and the fact that they are living up to the offer is. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting 3 different dates for Date last active. This is in Violation, and needs to be removed from my credit report. 
Experian reports XXXX XXXX reports XXXX XXXX  reports 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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Using XXXX, I tried to order Equifax report online, answered all the questions correctly, and was told they were unable to provide online report and said I had to complete a form and mail to them along with several identifying documents. I then called them and they verified me over the phone and said they would mail, but it would take 10-15 days. This happened exactly like this the last time I tried with Equifax back in XXXX 
Same thing with XXXX. Only XXXX would allow online request. 
Equifax and XXXX are making this onerous. Is there anything you can do? 
The XXXX website says : " You can ask for your free annual credit report from XXXX XXXX XXXX XXXX You usually can get your report immediately by ordering it online after you have verified your identity through an authentication process. '' Obviously, Equifax and XXXX are not complying with the above. Is there anything the CFPB can do to correct this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: NY

Complaint narrative:
I've been trying to contact a human at Experian for several weeks to figure out how to correct personal information that is not mine. 
When I get emails from Experian it is addressing me as XXXX ; it also has the last 4 digits of a phone number that is not mine. When I try to log in the site wants to send a code to that number so I can never go any further to get to my account. I'm stuck in a quagmire. 
Credit Bureaus take it upon themselves to dig into a persons ' personal financial history to ensure to creditors that the person applying is credit worthy ... .BUT they can't get their personal information correct and they make it next to impossible to correct it. AND want to charge for a membership. OUTRAGEOUS!!!

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 2021-05-27 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: SC

Complaint narrative:
I recently received a copy of my credit report from XXXX  and XXXX  and i immediately realized a host of violations on each report. The collection accounts listed below are in direct violation to FCRA laws 15 U.S.C 1681 ( a ) ( 4 ) stating that its the credit reporting agencies grave responsibility to respect the consumer 's right to privacy and i feel rights were violating with these collections on my my credit report : XXXX XXXX  Acct # XXXX. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX Acct # XXXX The credit reporting agencies were also in violation of law 15 U.S.C 1681 ( b ) ( 2 ) stating that reporting agencies are to furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates! No reporting agency had any written consent to furnish these accounts on my behalf and that is identity theft!

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 2021-05-27 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: CA

Complaint narrative:
XXXX XXXX is reporting 3 different dates for Date last active. This is in Violation, and needs to be removed from my credit report. 
XXXX  reports XXXX Transunion reports XXXX XXXX reportsXX/XX/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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is reporting 3 different dates for Date last active. This is in Violation, and needs to be removed from my credit report. 
XXXX reports XX/XX/XXXXXXXX  reportsXX/XX/XXXX Equifax reports XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: OH

Complaint narrative:
Hello, I received a call notifying me they were attempting to collect a debt. I told them to not call me and to send something to me in writing. I have yet to receive anything in the mail, but have seen where they are going and reporting this to the credit on a monthly basis. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TX

Complaint narrative:
Disputes Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Iowa XXXX RE : My TransUnion letter dated XX/XX/2021 ( attached ) I need help with my TransUnion letter indicating that my Police Report is not valid. I have unsuccessfully tried through correspondence with TransUnion to understand the reason why they are claiming ID theft Report not valid. 

To help understand, I am enclosing my filed Identity Theft ( Fraud ) Police Report from the Fate, Texas Department of Public Safety that describes how my personal information was stolen, accounts/credit cards were opened in my name, and those accounts were fraudulently used. 

The enclosed Police Report has two assigned Officers -- Officer XXXX badge number XXXX and Officer XXXX badge number XXXX. The Report lists the Reviewing Officer as Officer XXXX badge number XXXX and a Records Officer as again Officer XXXX badge number XXXX. 

Please note that within the letter from the detective who is now assigned to the case, it states that this police report was filed with the Fate DPS and is assigned to Detective XXXX. 

Is this enough information to make my ID theft Report valid? 

If it does, please somehow let TransUnion know that my Police Report is really valid. 

I have also tried unsuccessfully to dispute the following TransUnion reported fraudulent accounts that were opened without my consent or knowledge : XXXX. XXXX XXXX XXXX Account XXXX XXXX 2. XXXX XXXX Bank Account XXXX XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX Similarly, I am enclosing my completed TransUnion Identity Theft Victim Assistance Affidavit. Please note the same officer, Detective XXXX XXXX, is the same officer that has signed the Affidavit. 

If you can, please ask TransUnion to accept my Police Report as valid and remove the above fraudulent accounts from my TransUnion Credit Report. 


You may contact me at XXXX XXXX XXXX XXXX, if further information is needed. 

Thank you. 

Sincerely,

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 2021-05-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that arent mind to be removed from my credit report immediately. Its been more than 30 days and I havent received anything. I did my research on the laws and in section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately removed them. Also section 15 USC 168a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The item I have provided In my letter I am asking you to be deleted immediately or I will have to file litigation due to the XXXX you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly disputed my address and place of employment with Equifax and it continually comes back incorrect. Even after I sent in supporting documents. 
Please update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: IL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any response from the investigation of the credit bureaus on these false collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Credence resource management continues to call and ask for someone that i do not know. I have repeatedly told them that they have the wrong number and I do not know anyone named XXXX something. They call multiple times a day.

Company response to consumer: Closed with non-monetary relief