vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2023, I contacted the XXXX fraud department to request a letter stating that I have continuously been a victim of identity theft. I had an office visit with the Department of Social Security Administration and they requested a letter on XXXX letterhead stating this information. After being on hold for 45 minutes, I was transferred to department after department. I explained that I am a victim of XXXX XXXXXXXX and my attacker continues to find me through my social security number and date of birth due to him taking my purse from me during the altercation. The Department of Social Security Administration stated, " If I could obtain all documents from each credit bureau that I would be able to receive a new social security number. '' I have given years of copies of disputes from each credit bureau showing this information. When I called, I calmly explained the situation and I was told that they could only send me a copy of my credit report. I asked for a manager and was transferred to someone by the name of XXXX claiming to be a manager and simply restated the exact same thing as the previous four people. If something was to happen to me that I would leave a written statement for the public, and all parties involved after numerous attempts to protect my life were bypassed because of a letter.

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 2023-08-12 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: TX

Complaint narrative:
they failed to execute my request to adhere to my privacy request. 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

SPECIFICALLY FOR ACCOUNTS BELOW ; XXXX XXXX PAYMENT HISTORY MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Opt of sharing this information on my consumer report XXXX  XXXX ACCTT NUMBER XXXX REMOVE FROM MY REPORT-Opt of sharing this information on my consumer report

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 2023-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
they failed to execute my request to adhere to my privacy request. 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

SPECIFICALLY FOR ACCOUNTS BELOW ; XXXX XXXX PAYMENT HISTORY MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Opt of sharing this information on my consumer report XXXX XXXX ACCTT NUMBER XXXX REMOVE FROM MY REPORT-Opt of sharing this information on my consumer report

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
they failed to execute my request to adhere to my privacy request. 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

SPECIFICALLY FOR ACCOUNTS BELOW ; XXXX XXXX PAYMENT HISTORY MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Opt of sharing this information on my consumer report XXXX  XXXX ACCTT NUMBER XXXX REMOVE FROM MY REPORT-Opt of sharing this information on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent in a document to support my fraudulent claim with the prepaid claims department ( claim # : XXXX ) which I already complained about in my original complaint which is POSTED BELOW and I was told " OH MY XXXX THIS PROOF SHOULD BE ENOUGH HERE, THIS IS ACTUALLY GREAT, YOU SHOULD HERE FROM OUR BACK STAFF SOON '' However I still haven't heard anything an its been weeks, I was also MISINFORMED by more than one employee about complaints filed for the timing going past when they should have, for my claim on their behalf as I found they weren't actually writing them in the notes after telling me they were. 






ORIGINAL CLAIM : I filed a FRAUDULENT claim with Bank Of America in XXXX Over a year ago. I was scammed out of $ XXXX. What happened was I never received a XXXX prepaid Bank Of America card before when I signed up, so All the transactions made WERE NOT ME an they told me they agree and I would be sent a new card while they investigate. I was sent a new card but there were no funds on it as there should have been either a provisional credit as I was informed or ALL OF MY BENEFITS THAT WERE PAID OUT TO THE ACCOUNT OVER THE COURSE OF TIME SINCE I WAS STILL CERTIFYING FOR MY BENEFITS AS TOLD I've been calling an complaining on this same dispute ( claim # : XXXX ) for over ONE YEAR, as well as sent proof of transactions IN DIFFERENT STATES WITHIN DAYS AN SOMETIMES HOURS OF EACH OTHER an I still haven't been told of a final determination to the investigation NOR have I received any provisional credit or my money returned. 
Ive been evicted, Lost my cell phone due to non payment, Lost my car, Ect ..... I NEED MY MONEY. Bank Of America is in NO rush to resolve the issue as they took 90 days investigating then reconsidered it which should take 45 days or less as they said. But still nothing an i've been on standby another 70-95 days since ...... XXXX provisional credit nor did they credit me what is owed. ( ALSO : I WAS TOLD COMPLAINTS WERE FILED BY BOA PREPAID CUSTOMER SUPPORT, BUT WHEN I CALLED THE NEXT DAY AN ASKED, THE NEXT EMPLOYEE SAID THEY WERE NOT IN THE NOTES ON MULTIPLE OCCASIONS. ( IVE ONLY BEEN ISSUED XXXX $ OF CREDIT ADJUSTMENT THUS FAR ) Lastly I seen multiple transactions in different states back to back once i was allowed access to the online account. THOSE transactions dates:XXXX ( Arizona, Texas, Florida, utah ) ALL PLACES I NEVER BEEN. file attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
American Express ' response to previous complaints is unsatifisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo Bank repeatedly allowed fraudulent transactions to all my accounts costing me over $ XXXX and credit reports problems. They refuse despite DC police report XXXX and other evidence from XXXX XXXX, DC DISB to acknowledge and take responsibility for the fraud. My address for banking was XXXX XXXX XXXX DC XXXX. Fraudulent transactions was done in 2019 especially in XXXX and XXXX. .All accounts was affected XXXX. XXXX and all other accounts including checking and savings was compromised.

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 2023-08-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately

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 2023-08-12 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I missed my XXXX payment with Affirm. In order to catch up, I made two payments to Affirm in XXXX. On XX/XX/XXXX I made my final payment to Affirm early before my XXXX due date. Affirm reported to XXXX that I was late in XXXX. They also reported no available information for XXXX. Then Affirm reported XXXX as being late even though I paid off my bill early before my XXXX due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Informative Research
State: FL

Complaint narrative:
I applied for a mortgage back in XX/XX/2023. I qualified for a FHA but required 10 % down. So my lender encouraged me to wait for my scores to go up so I would only be required to put down 3 %. On XX/XX/XXXX I checked my credit and scores and they had indeed went up. At the time I only need XXXX XXXX to increase because that was my middle score and I would have qualified for the 3 % down. I also finally found a home I was ready to make an offer on. So I requested my lender to pull my credit again. Well, they use a company called informative research based out of California. On XX/XX/XXXX my lender send me a copy of the credit information from Informative Research stating my scores has dropped which was impossible. Informative Research reported to my lender that my XXXX score was XXXX. That score is incorrect. I called XXXX on XX/XX/2023 to get insight as to how this low score was reporting. XXXX Informed me via phone that XXXX was not any score I have in their system and they arent sure why Informative Research was reporting that to my lender. I am now at a stand still with purchasing a home and Im extremely upset. Considering there were no significant changes to my credit I was confused. XXXX had my credit file mixed up but that was already corrected but the score that was reporting still wasnt XXXX. A situation like this is not okay by any standard. I checked my credit scores on XX/XX/2023 and my XXXX Score was XXXX, Informative Research reported to my lender on XX/XX/2023 my score was XXXX, I checked my score XX/XX/2023 and it shows my score is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: FL

Complaint narrative:
To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately

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 2023-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Constantino Law Office, P.C.
State: UT

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX are suing me for over {$1800.00} on a loan that was originally {$600.00} that Im not even sure that I took out. I have attempted to settle this debt with him multiple times. The first offer of {$1000.00} he refused saying that he wont take less than 70 % of the original claim which somehow equated out to {$1300.00}. I tried to get him to explain the math on that and was ignored. They told me I had to file a response in court. I have filed responses in court only to get abusive responses back from constantino and his XXXX. 

I have once again tried to negotiate a settlement with constantino because i simply dont want a judgement against me only to be IGNORED by the law firm. 

XXXX XXXX  and his firm uses the Utah State court system to abuse people into paying him massive settlements on small debts to save their name and credit. 

Apparently XXXX XXXX is a part owner of the company who bought the debt, XXXX XXXX. This should be criminal in itself!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
After discovering being a victim of fraud I began to fix my credit this year aroun XXXX. I began with all three reports via XXXX shortly after noticing so many incorrections, I began to send out letter to all three bureaus. Although some removals were made there are still inaccuracies being reported therefore not allowing me to attain credit necessary both personally and professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After discovering being a victim of fraud I began to fix my credit this year aroun XXXX. I began with all three reports via XXXX shortly after noticing so many incorrections, I began to send out letter to all three bureaus. Although some removals were made there are still inaccuracies being reported therefore not allowing me to attain credit necessary both personally and professionally.

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 2023-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Us auto sold car loan to westlake they dont have a contract and I was charged XXXX in interest fees the car is not even worth that now westlake calls me 20 times a day including sundays

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I bought a XXXX XXXX XXXX  from US Auto sales around XX/XX/XXXX was supposed to have a XXXX warranty on it and a week later the check engine light came on. I tried to call and take it back to be looked at and the car lot was empty. Got an email saying they had to temporarily close the car lots but to still pay the bill through the finance company. Paid my bill then the people who took over called a month or XXXX later stating they were taking over and basically none of the money I put towards the car mattered and I would have to start payments all the way and not have my XXXX year warranty anymore because the warranty was voided when the car lot closed. So I been having to car out of work because the car has a coolant leak somewhere, the air dont work and I have XXXX kids that I have to take to school and football practice and games and the check engine been on since a week after I got it and it runs hot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
The account I currently have with chase Bank ending in XXXX has been restricted without recourse and I have no indication on the release of funds. No information has been given and these funds are pertinent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX contacted Experian in XXXX requesting for an inquiry to be masked from my credit profile. They have yet to update this information.

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 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax verified the debt with XXXX as accurate and correct. On XX/XX/23 So I re-opened the dispute requesting proof of validation per law 15USC 1681 iii. XXXX they responded dispute complete # XXXX but did not provide me with the required documentation I requested in accordance with FCRA 611. They did not provide me with documentation of the reinvestigation procedure used to verify this debt for completeness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: PA

Complaint narrative:
An unauthorized Chime account was opened in my name and the account information and a debit card was mailed to my home address. I received this on XX/XX/23. I contacted Chime via telephone on XX/XX/23 and was advised that an account was indeed opened and was now closed. When I asked to speak to the fraud department, I was advised the only method of contact was to send an email to XXXX which I did.

Company response to consumer: Closed with explanation