vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/2023, I applied for an American Express card through my XXXX XXXX account ( Diamond status -- the highest rewards tier ). I only applied because the credit card was offered through the XXXX portal while I was accessing my XXXX account. I have other access to credit, did not need the card, but was willing to go through a quick and easy application process. However, apparently American Express wanted more information from me -- most specifically related to my address, although everything I have, including credit, flows through that same address. I discovered this when American Express called me at XXXX at XXXX XXXX. XXXX XXXX on XX/XX/2023, a call I missed. However, when googling the number I discovered what the phone number was attached to -- American Express -- and also many threads related to people complaining about American Express 's incessant calls related to previous credit applications. I called the number, told American Express to terminate my application, and that I was not to be contacted again. I was assured that American Express would terminate my application and would not contact me again per my request. A recording of this phone call apparently exists with American Express. Within minutes I received email confirmation from American Express at XXXX, the same email address used for this complaint, confirming that my application had been terminated per my request. Still, at XXXX XXXX. XXXX XXXX I received yet another call from an American Express telemarketer -- in both instances the calls appeared to be originating from another country, although the incoming phone number was a XXXX number -- trying to further engage me in the application process. I informed the caller I would be filing this complaint and terminated the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Foris DAX, Inc.
State: ME

Complaint narrative:
Crypto.com closed my account back in XXXX XXXX XXXX. I asked them why, they would not tell me. I had a visa card with them that was issued by XXXX XXXX XXXX  and a return that was processing from XXXX to the card. After the money for the return went onto the card, I asked crypto.com how to get my money out of the card, since it's closed. I told them they can send it to my linked bank account, or they can send me a check, or send me crypto. Since then, they have been essentially ignoring my emails and calls. Withholding my {$1200.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had a XXXX XXXX XXXX XXXXXXXX credit card. The credit card was closed for return payments in XXXX ( 2023 ). None of the returned payments left the account at any time past due or delinquent. I always made several payments that exceeded the minimum amount due each month. Last week I paid the minimum payment amount of {$30.00} and learned this week that the account has been charged off and determined uncollectible debt. This is preposterous because I have never had a late or missing payment since the account was opened. The bank has reported the derogatory fraudulently to the credit bureaus and my resulting scores have plummeted. The bank is cognizant that my account did not qualify to be charged off and classified as uncollectible debt.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX XXXX  and XXXX XXXX XXXX balances are incorrect, they had larger balances and now are COMPLETELY paid off. Equifax didnt post updated information and now removed points for my XXXX account goung up. 
ALL OF MY CARDS ARE PAID EVERY MONTH and over the min amount due. 3 are COMPLETELY paid off but Equifax refuses to acknowledge any account that would drastically improve my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Until XX/XX/2021 I was not provided with promised services i.e. I did not receive data correctly at my home per my XXXX, wireless contract and agreement. Therefore, services I was paying were not being rendered and breach of contract occurred. I tried repeatedly to correct the service with XXXX through various departments including tech, to no avail. I left them in frustration finally. I tried to negotiate the amount due because these services were not delivered. They were nasty and mean and preyed upon my hardship during the pandemic. Ultimately they sold the debt to XXXX XXXX XXXX, and this is who I paid and now have a XXXX balance. In essence, XXXX  XXXX, and trans union are report negatively for an exorbitantly punitive amount of time! When XXXX, the information on these reports is inaccurate -XXXX XXXX not the collection -which is why it should be deleted from all XXXX agencies immediately. Someone help here. Seriously, how is this legal. I have right in the Fair credit reporting act and they are being violated. Innacurate information and phone calls at inappropriate times. XXXX and XXXX last night was the most recent from the executive level of XXXX because I have made complaint with the FTC XXXX XXXX XXXX State Attorney and the XXXX. I was definitely harassed last night because the situation and the effort this must be deleted! It definitely not fair and definitely not accurate!

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 2023-12-04 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a XXXX family store credit card. I also have a XXXX credit card with Commenity Bank. I have a buckle account credit card with Commenity Bank. I have a XXXX credit card. I have not been late making my payments since Ive opened these cards. I probably honestly have been late a couple times, but have recently tried to get my credit Score back up well my credit score has went down due to XXXX cable saying that I owe them a certain amount of dollars because of my credit score going down. They have lowered my credit limit. Theres no reason at all that that shouldve happened now Im late and they have made feed on my account that shouldnt be there, I am not happy with this situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : National Credit Systems Account Date : XX/XX/ You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kovo
State: NM

Complaint narrative:
Back in XX/XX/2023 this came up with another loan yhat I never supplied for. I don't know what Kovo is and I never got a loan in another town with XXXX XXXX. I have disputed them numerous yikes but it's still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I hope this letter finds you well. I am reaching out to challenge an inconsistency found under the " XXXX XXXX '' section in my credit report. This relates specifically to the account listed below which has been categorized as charged off : XXXX XXXX XXXX : XXXX is showing my last payment date was XX/XX/XXXX and I've never been XX/XX/XXXX days late if that's true then why did my car get reposssesed because of late payments? 

XXXX XXXX XXXX : XXXX is showing my last payment date was XX/XX/XXXX and I've never been XX/XX/XXXX days late if that's true then why is this charged off as bad debt still on here? 

Upon thorough review of my credit report, I noticed that this charged-off account is persistently reported as maintaining an active XXXX payment history. This is not accurate and consequently, in violation of the Fair Credit Reporting Act ( FCRA ), as it erroneously influences the statute of limitations. 

Under the stipulations of the FCRA, the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX compliance guidelines, I am entitled as a consumer to have accurate representation of all details in my credit report. With these consumer protection laws in mind, I respectfully request that you rectify this mistake by deleting the incorrect data from my credit report. Following the completion of this, kindly supply me with an updated version of my credit report that reflects the required corrections. 

As a consumer, it is my right to have access to precise and current information on my credit report. I anticipate all credit reporting agencies to uphold this obligation, in alignment with the FCRA and other applicable XXXX XXXX Laws. 

In light of this apparent oversight, I implore you to immediately expunge this inaccurate information from my credit report. Upon completion of this correction, please provide an updated version of my credit report for my review. 

I appreciate your prompt attention to this crucial 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 non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I hope this letter finds you well. I am reaching out to challenge an inconsistency found under the " XXXX XXXX '' section in my credit report. This relates specifically to the account listed below which has been categorized as charged off : XXXX XXXX XXXX : XXXX is showing my last payment date was XX/XX/XXXX and I've never been XX/XX/XXXX days late if that's true then why did my car get reposssesed because of late payments? 

XXXX XXXX XXXX : XXXX is showing my last payment date was XX/XX/XXXX and I've never been XX/XX/XXXX days late if that's true then why is this charged off as bad debt still on here? 

Upon thorough review of my credit report, I noticed that this charged-off account is persistently reported as maintaining an active XXXX payment history. This is not accurate and consequently, in violation of the Fair Credit Reporting Act ( FCRA ), as it erroneously influences the statute of limitations. 

Under the stipulations of the FCRA, the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX compliance guidelines, I am entitled as a consumer to have accurate representation of all details in my credit report. With these consumer protection laws in mind, I respectfully request that you rectify this mistake by deleting the incorrect data from my credit report. Following the completion of this, kindly supply me with an updated version of my credit report that reflects the required corrections. 

As a consumer, it is my right to have access to precise and current information on my credit report. I anticipate all credit reporting agencies to uphold this obligation, in alignment with the FCRA and other applicable XXXX XXXX Laws. 

In light of this apparent oversight, I implore you to immediately expunge this inaccurate information from my credit report. Upon completion of this correction, please provide an updated version of my credit report for my review. 

I appreciate your prompt attention to this crucial matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Ok so on XX/XX/ I received my Federal refund check in my PayPal account on this same day I knew I had past due bills that needed to be paid at once so first I contacted the power company by phone talk to a representative ask to make a payment he took my information I gave him my debit card info to make this payment after he gave me a confirmation number over the phone and also through my email that's on file. Ok about I say the middle of XXXX I had received another bill asking for the same amount I just paid but on this bill it stated they received payment of XXXX on the next day which was XXXX XXXX but payment was refund back in my account on XXXX XXXX. But I never received this payment back. So proceed to go check my account but I didn't see where it had been taken out or put back in there was nothing. Let me also say I made another payment using this same payment method to another company which is for a Gas company it processed it also went through and no problems with that one but I went and look at the transaction on my account didn't find any statements or anything about that payment either so I contact PayPal they obviously couldn't tell me anything so I went and done some investigating myself. Now I have been using PayPal for about 3 years now when I made the account they had already given me an account number and routing number. I've never talk to anybody through a bank service ever using this app now when I called my power company back around the end of XXXX the only information they could give me at this time was my payment was made by ACH which it couldn't have because I never gave my routing number or account number to anybody by phone and I didn't manually put any information in on my own I have two people that was in my presence at time to verify this statement. The supervisor of the company went forth to say they had my last 4 digits of my account number and a routing number to the bank this information is for. I didn't contact the bank because PayPal assisted to tell me this bank only issued me the card so there was no need to contact them about the situation. Well I XXXX this routing number and it pulled up the bank. Plz contact me for I have much more on this issue and I need to find out what's going on please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am a XXXX XXXX member. I came to deposit XXXX XXXX into my XXXX account at the atm outside of this location ( XXXX, XXXX ) on a XXXX evening. The ATM took my money, failed to deposit it into my bank account and proceeded to print out an error message telling me something went wrong and to contact my financial institution. It did not give me back the money I deposited nor did it post to my account. Their ATM literally stole from me. 

I immediately called XXXX XXXX. As a member I expected this to be resolved ASAP with urgency. Instead the XXXX person to answer tells me he will transfer me to the " disputes '' department. While on hold, the automated system told me there was a XXXX hour hold for that department and that I would he placed on a call back queue. I waited. 

I finally get the call back. The lady was completely unempathetic of the situation. She told me it could take XXXX XXXX DAYS to " investigate '' this incident! Are you serious?! I need this money now and this is XXXX XXXX 's mistake. There should be URGENCY! I explained I was not the only XXXX struggling with the ATM and that it should be noted as OUT OF SERVICE IMMEDIATELY so no one else has to go through this! She said " yeah I wrote a note about it on your claim ''. It seems she wrote that note on my case and not actually put an alert that the ATM is down in real time! I am completely repulsed by XXXX XXXX. 

I asked what am I supposed to do? I need this money and got forbid it happens again in the future with large sum of cash. With technology these days, ATMs can be quickly audited within XXXX for extra or missing cash and it does not take XXXX XXXX days to provide me a provisional credit at least! She said they would not even offer provisional credit until the XXXX BUSINESS DAY of claim! XXXX XXXX does not care about its members. All of this for XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; TransUnion, XXXX, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. 

All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions.

For example, the Date Opened for the account had multiple dates on the 3 credit reports ranging from TransUnion XXXX XXXX XXXX  XXXX XXXX, - inconsistency! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled PDF of pages XXXX of Credit Report showing XXXX XXXX XXXX XXXX XXXX these inconsistencies this file must be deleted please.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Experian Information Solutions Inc. for violating my consumer rights under 15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) by reinserting a previously deleted account without providing the required notice. 

On XX/XX/, I successfully removed an account through dispute, but Experian Information Solutions Inc. has reinserted it without the mandated notice. I am seeking your assistance in ensuring their compliance with the Fair Credit Reporting Act. 

Enclosed are documents supporting the previous deletion and evidence of the unauthorized reinsertion. Your prompt attention to this matter is appreciated.

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 2023-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
On XXXXXXXX I purchased a Western Union Money Order in the amount of {$800.00}. 
On XXXX, I submitted an online Money Order refund request form and received an email confirmation stating it was received and to expect a refund within 30 days. 
On XXXXXXXX I called Western Union to check on my refund status and the customer service representative informed me that my refund was cancelled, without the company attempting to contact me regarding such. 
On XXXXXXXX I submitted another request for refund and sent this communication via US Postal Service and submitted a non-refundable {$15.00} Money Order ( Money Order # XXXX ) processing fee. 
On XXXX, I called Western Union to check on the status of my refund request and was informed that there wasn't any information regarding my request. 
For your review, I have attached supporting documentation regarding this imperative matter. Moreover, this is the exact documents that accompanied my refund request on XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation