vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.

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 2024-01-17 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: GA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.

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 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
THIS BANK VERIFIED ME IN XXXX XXXX THEN THE NEXT DAY AFTER THEY VERIFIED ME FOR ALMOST XXXX HOURS OVER THE PHONE. I SENT THEM ALL REQUESTED DOCUMENTS VIA ONLINE TO VERIFY ME. I WAS TOLD THE NEXT DAY THAT I COMPLETED THE VERIFICATION PROCESS SUCCESSFULLY. THEN BEFORE THEY WOULD ALLOW ME TO SIGN THE PAPERS THEY SAID THAT I HAD TO GIVE THEM MY ACCOUNT INFORMATION SO THAT THEY COULD FUND MY ACCOUNTS. I THOUGHT THAT WAS STRANGE BECAUSE MOST BANKS ALLOW YOU TO FUND YOUR ACCOUNT AFTER YOU SET IT UP ... NOT BEFORE. I FELT LIKE IT WAS A ULTIMATUM. THEN THEIR CUSTOMER SERVICE AGENT ASKED FOR MY DEBT CARD NUMBER AND SECURITY CODE. HE ALSO ASKED ME WHAT THE VALUE OF MY HOME IS WHICH I REFUSED TO GIVE HIM. THEN AFTER THEY GOT MY FUNDS FROM MY OTHER ACCOUNT THEY LOCKED ME OUT OF MY ACCOUNT ONLINE AND SAID THAT THEY DID NOT BELIEVE I WAS ME. THIS AFTER THEY VERIFIED ME AND TOOK MY MONEY. THIS IS FOR A ACCOUNT THAT YOU GET A BONUS. THESE BANKS ARE TRYING TO GET NEW CUSTOMERS THEN THEY TRY TO BE MEAN SO THAT THEY DO NOT HAVE TO PAY THE BONUS. THIS IS A SCAM THESE BANKS ARE RUNNING. THEY ARE TRYING TO GET NEW COSTUMERS FOR THEIR INVESTORS AND THEN TRYING NOT TO PAY THE BONUSES. I HAVE BEEN REQUESTING FOR THEM TO CALL ME FROM THEIR XXXX XXXX SINCE XX/XX/2023.XXXX .NO ON HAS CALLED ME! THEN NOT ONLY WAS THEIR CS MEAN AND RUDE THEY REFUSED TO ALLOW ME TO GET TO MY OWN MONEY AFTER THE TRANSFER. THEN ONE OF THE LAST CALLS I MADE TO THEM IT SOUNDED LIKE THEIR CS REP WAS DOING SOMETHING INAPPROPRIATE ON THE PHONE. I ASKED HIM, " WHAT IS THAT SOUND. '' THEN IT STOPPED .XXXX AFTER HE SAID, " DOES IT SOUND LIKE LIKE SOMETHING RUBBING ON THE PHONE. '' IT MADE ME FEEL VERY UNCOMFORTABLE!!!

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 2024-01-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
{$7900.00}, XXXX XXXX, third party has placed on my credit report, i have sent in letters and disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: FL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and 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 2024-01-17 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: WI

Complaint narrative:
In reference to an account of XXXX XXXX XXXX XXXX  - I sent a letter letting Transunion know that this account is not being reported correctly, and to please update to show that it's never been paid late. I received no response. 

XX/XX/XXXXXXXX  - I sent a letter to Transunion following up that this account is still showing incorrect information and that it needs to be updated to show never paid late. I received no response. 

XX/XX/XXXXXXXX XXXX I sent a letter to Transunion letting them know that this account is still showing incorrect information, and that it needs to be updated to show never paid late. I asked for the method of verifying this information - but again, never received a response. 

XX/XX/XXXXXXXX  - I sent a letter to Transunion informing them once again that this account is continuing to show incorrect information, and it needs to be updated to show never paid late. - Once again, no response. 

XX/XX/XXXXXXXX  - I sent a letter to Transunion explaining the numerous letters I have sent to them over the months since XX/XX/XXXX- and explained that they continue to report inaccurate information that is damaging my credit profile. I sent them factual information that shows the data furnisher that is reporting this account is reporting different information to different credit bureaus. There is NO WAY that this can be verified as accurate. I advised that if this was not resolved, I would be filing a complaint with the CFPB. 

I have never received any response to my letters. The only way I know what is going on is by looking online at my credit report/profile to see what they are updating. They continue to report inaccurate, damaging information and continue to put a statement that it has been verified on the 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 non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I dont have the dates or amounts because its been a year or so ago but there have been alot of transactions that didnt make sense to me. 
Regions 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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/XXXX, I received an email that identify theft protections were cancelled on my Discover account. I inquired on my account through the Discover app as to why and it said my account was closed. I contacted Discover who indicated they sent a letter in XX/XX/XXXX. I never received that letter or an email indicating the account was to be closed for inactivity in XX/XX/XXXX. I contacted consumer service who stated I had to reapply for the card. I indicated this card with closed without my knowledge. They stated their systems do not allow them to reopen the account. They transferred me to an escalated contact who delivered the same information and told me I had to contact a voice agent. I contacted the voice agent who again stated they did not have the ability to reopen the closed account and that they did not need my permission to close the account. They stated they would resend the notice letter. I stated that had I been aware of the need for activity on the account I would have performed as this account had been opened for over a decade. The arbitrary closure of the account has an adverse impact on my credit. They stated that their systems do not have the ability to reopen the account. If they do not have this capability then do not have the ability to appropriate correct errors that they have caused which is a fundamental flaw in their servicing system to the detriment of the consumer. I request my account be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: NY

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: GA

Complaint narrative:
The product is a virtual AMEX eGift card that was given to me by a business for completing some tests. It has a {$200.00} balance. 

XX/XX/XXXX - Tried to use the card to refill my XXXX gift card balance on the XXXX site ( failed )- {$200.00} XX/XX/XXXX - Tried to use the card to purchase a gift card at XXXX XXXX ( failed )- {$200.00} XX/XX/XXXX - Tried to use the card at XXXX to purchase a physical XXXX gift card ( failed after initially being accepted )- {$200.00} XX/XX/XXXX - Tried to use the card to pay for my termite inspection balance with XXXX XXXX ( {$200.00} applied to the balance - card failed/declined ). 

The card currently has {$200.00} balance, but I can't use it on anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
New Complaint : Subject : Urgent Consumer Protection Matter - Unacceptable Handling of Complaint Dear CFPB and Trans Union I am writing to express my profound dissatisfaction with Trans Union 's egregious mishandling of my consumer protection rights. The level of malice, misinformation, and blatant lies presented in their response to my CFPB complaint ( XXXX ) is utterly unacceptable. 

Upon receiving an email from the CFPB on XX/XX/2024, I discovered that Trans Union 's response, asserting that the disputed accounts were not reflected in my credit profile, is nothing short of a fabricated tale. Contrary to their claims, my Trans Union Credit report clearly shows the disputed accounts from XXXX XXXX XXXX ( XXXX accounts ), XXXX, and XXXX XXXXXXXX XXXX, all of which continue to cast a false shadow on my credit score. 

In a conversation with Trans Union 's supervisor, XXXX XXXX, I was appalled to learn that my disputes were arbitrarily canceled without removal from my profile. The admission that Trans Union openly favors creditors and offers no protection to consumers is not only disheartening but a stark betrayal of trust.

It is deeply troubling that, despite filing multiple disputes and complaints, Trans Union insists on perpetuating this injustice. Supervisor XXXX 's suggestion that obtaining legal representation is the only viable recourse further highlights the systemic bias and discrimination at play. 

I must emphasize that this is not just a matter of consumer rights but a clear case of racism and bias discrimination. My XXXX faith and XXXX  status seem to be unfairly influencing Trans Union 's handling of my case, and this is unacceptable. 

The only acceptable resolution is for Trans Union to promptly rectify this situation by removing the fraudulent accounts from my profile. I demand the removal of accounts from XXXX XXXX XXXX ( XXXX accounts ), XXXX, XXXX XXXXXXXX XXXX, as well as inquiries by tXXXX XXXX XXXX XXXX XXXX 

I insist on communication solely via email, and I expect a swift and just resolution to this matter. 

Sincerely, XXXX XXXX Email : 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 2024-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
New Complaint : Subject : Urgent Consumer Protection Matter - Unacceptable Handling of Complaint Dear CFPB and Trans Union I am writing to express my profound dissatisfaction with Trans Union 's egregious mishandling of my consumer protection rights. The level of malice, misinformation, and blatant lies presented in their response to my CFPB complaint ( XXXX ) is utterly unacceptable. 

Upon receiving an email from the CFPB on XX/XX/2024, I discovered that Trans Union 's response, asserting that the disputed accounts were not reflected in my credit profile, is nothing short of a fabricated tale. Contrary to their claims, my Trans Union Credit report clearly shows the disputed accounts from XXXX XXXX XXXX ( 2 accounts ), XXXX, and XXXX XXXX XXXX, all of which continue to cast a false shadow on my credit score. 

In a conversation with Trans Union 's supervisor, XXXX XXXX, I was appalled to learn that my disputes were arbitrarily canceled without removal from my profile. The admission that Trans Union openly favors creditors and offers no protection to consumers is not only disheartening but a stark betrayal of trust. 

It is deeply troubling that, despite filing multiple disputes and complaints, Trans Union insists on perpetuating this injustice. Supervisor XXXX 's suggestion that obtaining legal representation is the only viable recourse further highlights the systemic bias and discrimination at play. 

I must emphasize that this is not just a matter of consumer rights but a clear case of XXXX  and bias discrimination. My XXXX XXXX  and minority status seem to be unfairly influencing Trans Union 's handling of my case, and this is unacceptable. 

The only acceptable resolution is for Trans Union to promptly rectify this situation by removing the fraudulent accounts from my profile. I demand the removal of accounts from XXXX XXXX XXXX ( 2 accounts ), XXXX, XXXX XXXX XXXX, as well as inquiries by the latter and XXXX  XXXX. 

I insist on communication solely via email, and I expect a swift and just resolution to this matter. 

Sincerely, XXXX XXXX Email : 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 2024-01-17 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This is a follow up from a previous complaint that is listed as closed with feedback, but the response did not actually deal with the majority of the complaint, and apparently there is no requirement for them to do so. 

My initial complaint was about an AmEx dispute with XXXX XXXX where I had been offered an upgrade for a flight, only to be told after a " no refund '' purchase that it only applied to one  leg. AmEx alleged they disputed the charge, and yet when I repeatedly demonstrated that the response from the airline did not actually provide evidence contrary to what I said, AmEx took the view that the airline was their customer too, and acted to protect that relationship. Looking back, they probably knew that the regulatory mechanisms to hold them accountable were a joke and acted accordingly. 

I subsequently gained further information from the airline wherein it is clear that AmEx did not provide them with pertinent details of my dispute. So in addition to accepting a response that did not actually address the dispute, it turns out they didn't even try to investigate the dispute properly from the start. They sent a generic reasoning to the vendor, without outlining that my complaint was specifically relating to being offered an upgrade for the whole flight and receiving only one leg of the flight. It is fairly clear that what they send to the vendor is generic, but if they didn't even provide this information from the start, how are they then saying that the vendor response has adequately dealt with this? And at what point is the CFPB going to actually refer this to the OCC for proper investigation? If a credit card company is very clearly just going through the motions of a legal obligation rather than actually following it and there is no accountability from a regulator, why would they stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: FL

Complaint narrative:
EQUIFAX CREDIT COMPANY IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT FILE I HAVE NOTIFIED THEM OF THE FRAUD ON XX/XX/XXXX, AND XX/XX/XXXX AND THE FRAUDULENT ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT AS OF TODAY XX/XX/XXXX. I AM A VICTIM OF ID THEFT FROM EQUIFAX DATA BREANCH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently sent a complaint to you about XXXX as well I made a complaint on XXXX  about Experian. Both responded that they could not move forward processing my notarized affidavits due to no identification I feel that was a stall tactic and I am now asking for you to help facilitate and oversee this process. In Commercial Law an unrebutted affidavit stands as judgment. I have attached all documents and resending them to XXXX as well I will make a complaint on Experian and XXXX. I have prepared my legal team the XXXX XXXX XXXX, XXXX if the agencies continue their willful non-compliance.

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 2024-01-17 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: TX

Complaint narrative:
XXXX XXXX does not have my consent to furnish to my credit report under the fair credit reporting act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: TX

Complaint narrative:
XXXX XXXX does not have my consent to furnish to my credit report under the fair credit reporting act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I MAILED INFORMATION TO ALL THREE CREDIT BUREAU TO REMOVE AN INCORRECT ADDRESS FROM MY CREDIT REPORT. 

I INFORMED IT WASNT MINE AND PROVIDED A LIGHT BILL FOR PROOF. 

THIS IS CAUSING MUCH GRIEF DUE TO ME SOON SEEKING A MORTGAGE, THE LENDER WILL ASK ABOUT THIS ADDRESS, AND I NEED IT REMOVED. 

PLEASE HELP THE INCORRECT ADDRESS IS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FLORIDA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: FL

Complaint narrative:
I called because I saw capital one on my credit report saying I owe a debt. I asked them about the debt and they stated they har no record of the debt so Im trying to see how I owe them and why are they reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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