vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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: MI

Complaint narrative:
All throughout XX/XX/2024, I've been disputing incorrect information that appears on my credit reports from all 3 credit bureaus. Ive also tried disputing with the actual collection agency in which the invalid information rests, who goes by XXXX XXXX XXXX XXXX on two reports, yet XXXX XXXX XXXX on another. The amounts I am disputing are {$1600.00} and {$4900.00}. Two different amounts, under the same company, yet two different negative impacts. Both amounts which are incorrect, as well as the dates of opened. Hopefully the attached documents provides a clearer understanding. After disputing through the bureaus, the information was not deleted. I then contacted the collection agency, genesis, directly. After providing numerous emails and statements, the representative agreed in my favor that the amounts should be removed within 2 weeks and to call back in two weeks to confirm. Today XX/XX/, it has been two weeks so as directed, I contacted the agency, spoke with the same representative, who then directed me to call back in another week as he was busy right now and could not talk at the moment. The run around is frustrating, the debt collection company seems very sketchy, and this incorrect information on my report is a burden and preventing me from purchasing a home of any kind.

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 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XX/XX/ a reverse credit for {$230.00} was made in error. Several recording calls were made starting in XX/XX/2023. Each banking representative on each call confirmed that an error had acquired. No resolution was made since XXXX of 2023 and USAA has withheld {$110.00} since XX/XX/2023. 

Note : The last representative confirmed that if an account is negative you owe the bank. But if the bank owes you money for their mistakes/errors, there's nothing they can do.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Fraudulent accounts on my credit needs to be removed I reported to the fraud department

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Fraudulent accounts on my credit needs to be removed I reported to the fraud department

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Fraudulent accounts on my credit needs to be removed I reported to the fraud department

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I mailed in an original of my wife 's death certificate and requested a death notice be applied to her credit report and shared with the other agencies a month ago. I then received a canned reply via mail asking for proof I am the authorized representative with a will or Power of Attorney or Letters Testamentary. There was no will nor probate. I am the next of kin and executor. I called and spoke with an outsourced foreign scriptreader who told me all i needed to do was mail it again with a copy of my driver 's license, which I did, and OF COURSE, today I received yet another canned response via mail asking for he same documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: SC

Complaint narrative:
According with the fair credit reporting at the list of accounts below have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX account number XXXX Account name : XXXX XXXX XXXX account number XXXX Account name XXXX XXXX XXXX account number XXXX account name : XXXX XXXXXXXX XXXX XXXX  account number XXXX account name : account number XXXX account name XXXX XXXX XXXX XXXX  account number XXXX account name : XXXX  XXXX account number XXXX account name : XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX Account names. 

Has violated my rights.15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish it account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records, or convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). A person should not furnish any information related to a consumer to any consumer reporting agency is the Personal knows or has reasonable calls to believe that the information is in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint against Equifax due to their failure to respond to a dispute letter that I mailed on XX/XX/. In my dispute, I addressed several items on my credit report, including XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX and XXXX - XXXX, and incorrect personal information. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to respond to consumer disputes within 30 days of receiving the dispute. Unfortunately, I have not received any response from Equifax regarding my dispute, and this lack of communication is a clear violation of the FCRA. 

Enclosed with this complaint is a copy of the dispute letter I sent to Equifax, serving as evidence of my attempt to address inaccuracies in my credit report and Equifax 's failure to fulfill their legal obligation to respond within the stipulated timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a complaint against TransUnion regarding their handling of a dispute I submitted on XX/XX/2023. The dispute pertains to the removal of an incorrect address on my credit report. In my initial communication, I provided all necessary documentation, including a copy of my photo ID, social security card, and a recent bill displaying my current address, in an effort to assist TransUnion in verifying my identity and address. Regrettably, I received a response from TransUnion, dated XX/XX/2023, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This response raises significant concerns as it indicates a failure on TransUnion 's part to acknowledge the legitimacy of my dispute. Per the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any information, the credit bureau is obligated to conduct a reasonable reinvestigation to determine the accuracy of the disputed items. It seems that TransUnion has not fulfilled this obligation, resulting in a violation of my consumer rights. Enclosed with this complaint is a copy of the dispute letter I sent to TransUnion, along with their response, as evidence of my attempt to rectify inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.

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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was given an offer to open a Securities Account/Card Member with American Express by providing a Financial Asset/Application for securing Deposit into my open-ended account. I made application 7 times and was denied access to my credits/cards every time. Not only is illegal for American Express to discriminate against me at any time during this process, but it is also illegal to deny me access to my Securities and Credits. I gave American Express 6 securities that the company sells for financial gain and benefits from for years and when I contacted the Company and its various Departments/Partners they have agreements with, I was not provided with help or direction in anyway. I also requested reconsideration on my applications and was denied. I demanded access to my credits and was denied. When i put the company on notice of its violations I was ignored. When I sent notice of Default I was ignored. All in all, I included at least 15 Executives and attempted to resolve the issue 5 times. The Prospectus, and Form XXXX and other SEC filings for American Express Company/American Express Credit Corporation/American Express Credit Account Master Trust/American Express Receivables Financing Corporation/American Express Travel Related Services Company Inc/American Express National Bank/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly shows they accepted my applications as Receivables and securitized them and sold them. It also shows that my applications were used to secure Deposit into my account. I notified the Company that I was retracting me applications and revoking the security interest I gave them, and I got a letter saying ''Unfortunately we aren't able to retract your applications ''. Thats because they've sold them, although their prospectus says they a specific agreement with the Securities Exchange Commission, used them to secure the deposit of my credits that they are denying me access too. So, we have Discrimination, Theft of Securities, Securities Fraud, Knowingly and Intentionally misleading, Failure to Act, Breach of Fiduciary Duties, as well as numerous other Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit reporting agencies are reporting inaccurate names and addresses on my file

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 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have a Venmo account, that I use for business, a client sent me money through Venmo, and it is a significant amount. On Friday, XX/XX/XXXX,. XXXX, I was only able to pull out enough money to open my business bank account, and get some food. After that, Venmo froze my account for I don't even know what reason. I submitted in my Government Issued ID more than once to them on Friday when it froze and the only communication I had was to submit in my IID and then call to verify that was everything was me and that it would be open again. 

I did all that with no prevail, I have been calling every day since Friday to get my account unlocked and they still will not lift the suspension. I have bills to pay, I have to pay on my truck, I have to pay my landlord all with this money to keep my business going and they are not waiting no XXXX days that Venmo has XXXX I've also tried to get the money OFF my Venmo account and tried putting it either on PayPal or my actual bank account still with no success. 

I just want my account unlocked so I can get my funds off this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: I.C. System, Inc.
State: CA

Complaint narrative:
Subject : Urgent : Compliance Request Regarding Protection of Nonpublic Personal Information XXXX XXXX XXXX. XXXX I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to you as a concerned consumer in light of the regulations outlined in U.S. Code Title 15, Chapter 94, Subchapter IDisclosure of Nonpublic Personal Information. As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the security and confidentiality of customer records and information. In this context, I kindly request that your company fully complies with the aforementioned regulations, particularly those stated in 6802 ( a ) and ( b ). These sections emphasize the notice requirements and opt-out provisions, which are crucial for safeguarding consumers ' nonpublic personal information. I also draw your attention to 6803, which requires financial institutions to provide clear and conspicuous disclosures of their policies and practices regarding the disclosure of nonpublic personal information to consumers. I urge your company to adhere to these disclosure requirements promptly. Ensuring compliance with these regulations is not only a legal obligation but also a vital step in building and maintaining trust with consumers. I appreciate your attention to this matter and request that you provide confirmation of your company 's compliance at your earliest convenience. Thank you for your prompt and diligent attention to this important consumer protection matter. Sincerely, XXXX 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 explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
They will not review my disputes, just keep sending letters saying they don't believe I'm disputing items.

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 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
I have my health savings account with Optum. I've had this account for years. 
After XXXX  XXXX, today, XX/XX/2024, I submitted my card for payment and was told that it turned up " insufficient funds ''.. I currently have $ XXXX in my account. The XXXX bill was for {$410.00}. 
I called the bank and they said that I needed a new card, it would take 7 - 10 business days and I had no other option to access my funds. 
The bank had no alternative for me to access my own money. 

This is a HSA. Seven to 10 business days would be a life or death in many situations. I find this protocol insufficient for any kind of " health care ''. 

Optum never set any expectation of having to wait 7-10 business days in order to access ones own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XX/XX/2023 - I was alerted via email through my chase account of XXXX credit applications under my name. Within XXXX hours of these email notification I reported both as fraud as it was not my doing. 

I filed XXXX police reports due to the businesses involved with the fraudulent activity. The case numbers are both listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX Both banks automatically denied the application so that no credit cards were dispersed to the offender, however, the credit application pull and process had already begun, causing my credit to be hit with XXXX hard inquiries on the same day within a short amount of time. XXXX was through XXXX XXXX via XXXX and XXXX XXXX. This credit pull was already removed from my account within XXXX hours of me reaching out. Ive been dealing with the second credit pull, tied to Synchrony Bank via, XXXX, involving a Dicks Sporting Goods store.

Can you please look into the still existing hard inquiry from XX/XX/2023, with synchrony bank and dicks sporting goods and have it removed from my credit report.

Thank you so much in advance!

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 2024-02-05 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:
In Accordance with the fair credit Reporting Act XXXX has violated my rights. 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : States a consumer Reporting Agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. 15 USC 1681- Congressional finding statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

15 USC 1681a Definitions ; rules of construction ( d ) Consumer Report- 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for- ( 2 ) Exclusions- Except as provided in paragraph ( 3 ) the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

PAANL-Paid as Agreed Never Late. Please remove Late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I contacted U.S. Bank on XX/XX/24 at XXXX XXXX regarding my remaining balance of {$1400.00} ( Checking ) and {$5.00} ( Saving ). I provided proof, and the U.S. Bank has dismissed the issue and treated it as a minor issue. U.S. Bank has taken Union Bank and converted customers of Union Bank to U.S. Bank. Union Bank ceases to exist. U.S. Bank is fully aware of the unresolved issue and still has not fixed the problem. I obtained information from my bank account linked to my credit card, XXXX. To my recollection, U.S. Bank stated that my bank account is closed. I have not received any official letter stating that both accounts have been closed. U.S. Bank failed at not only transferring funds from Union Bank to U.S. Bank, but they did not provide proof.

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