vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: SC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION. 

15 USC 16819 ( i ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2024-02-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1681 a ( d ) ( 2 ) ( A ) ( a ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included on the consumer reports. Yet you are reporting this information. The reporting of excluded information pursuant to 15USC 1681 A ( d ) ( 2 ) ( A ) ( I ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, Collection/charge-off status and any other derogatory information deleted from my consumer reports effective 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 non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: SOLERA LLC
State: MI

Complaint narrative:
I had a Collision on XXXX XXXX XXXX XXXX XXXXXXXX, MI on XX/XX/XXXX. XXXX XXXX XXXX cases against me were opened against me by XXXX XXXX XXXX, while I was in a hospital, where he had transferred me after taking custody of me after the auto accident. He apparently never told the XXXX XXXX XXXX XXXXXXXX that I was probably still in the hospital, since I was XXXX. old. When I got out, I found that a Default Judgment had been entered against me for No Proof of Insurance. Eventually, on XX/XX/XXXX, the Judge dismissed the No Proof of Insurance case, and reduced the other case for Careless Driving to XXXX XXXX XXXX. Record checks done by XXXX XXXX XXXX XXXX, and XXXX XXXX 's as well, did not show the proper result of the XX/XX/XXXXXXXX XXXX XXXX. Hearing, and continued to list the 2nd Case as a Conviction for the more serious XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX was willing to check with the XXXX XXXX XXXX to correct the error as I requested. My XXXX XXXX XXXX XXXX was doubled to about {$860.00} as a result, and will continue to be at least that high at next renewal. BTW, I'm not admitting guilt for the XXXX XXXX, since I was not even on a freeway that day, and had just turned off XXXX XXXX XXXX. at the appropriate speed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX last year, Bank of America suddenly closed my bank account, which I had been using for 5 years, due to their suspicion of fraudulent activity in my XXXX transactions. However, I hadn't engaged in any fraud. As a student facing financial difficulties due to family reasons at that time, my friends attempted to help me through the tough period. Upon learning my account had been closed, I immediately reached out to Bank of America, hoping they could unlock my account. I organized the information of the senders, including their names and phone numbers, and proactively communicated with the relevant department 's supervisor. I hoped that Bank of America would contact them to confirm the transactions and then return the remaining {$5200.00} in my account. However, all I received from Bank of America was a message to wait. Confusingly, while the customer service department mentioned seeing " your money is harmless '' on my account, another department cited fraudulent activity, leaving me feeling my rights were unprotected. It's been nearly 5 months, and I feel Bank of America has taken no action, nor has anyone proactively contacted me about the matter, just holding the {$5200.00} from my checking account. As a student, I trusted Bank of America to keep my money safe and had no reason to engage in fraud after 5 years of holding the account. I wouldn't misuse the {$5200.00} and have been actively communicating. What I don't understand is why the review section could take XXXX months, and despite my friends ' statements, Bank of America hasn't confirmed with them or communicated at all. I hope my situation is taken seriously.

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 2024-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: TX

Complaint narrative:
I dont remember applying for the loan. Just had XXXX XXXXXXXX and was taking XXXX XXXX  Took loan out to help my sister. Had XXXX XXXXXXXX end of XX/XX/XXXX loan was XX/XX/XXXX. They keep charging all these different fees and the amount owed keeps going up. I have called and called and get no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This is my 3rd time disputed this XXXX XXXX XXXX XXXX  account ending in XXXX and it did not get deleted. I have sent a police report, ID, Identity theft report, A LETTER FROM THE CREDITOR SAYING IT WAS A RESULT OF FRAUD. their DID NOT DELETE THIS ACCOUNT BECAUSE OF FRAUD. This account needs to be deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I did not give any permissible purpose for anyone to run my credit. I am wanting those inquiries to be deleted immediately. 

XXXX XXXX Inquired XX/XX/XXXXXXXX XXXX  CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
My husband 's ( separated ) credit history is showing on my credit report. I have been an authorized user but not a co-signer on his credit cards. 
My credit score is being effected by his spending and payment history.

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 2024-02-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested XXXX to give me verification of this account to prove it is mine. I also asked for the same verification from the XXXX and Equifax. I have yet to receive it at all. Also the account has been charged off for awhile and according to the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) its considered income by the irs and income can not be reported on your consumer report! This needs to deleted immediately! You have already deleted it and there is no way in 3 days letter you proved that it was verified and put it back on. THIS INFORMATION IS INACCURATE NOT MINE AND A FRAUDULENT ACCOUNT! It needs to be removed at once. Im going to have to sue after this because this is ridiculous. They are not upholding the consumer law my rights Also all these inquiries ARE NOT MINE!!! Remove them at once! How many times have I requested proof and how many times must I say they are not mine a fraudulent. Remove them at once!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/24, TXXXX XXXX XXXX posted a payment in the amount of {$220.00}. As of this date, the work they were paid for had not been performed ( their job was scheduled to be completed on XX/XX/24 ). 

I contacted XXXX XXXX XXXX  the same day ( XX/XX/24 ) and requested they cancel the service. The representative I spoke with assured me that my refund would be processed and received within 3-7 business days.

After I did not receive my refund within the timeframe given, I submitted a dispute with Regions bank in order to have the {$220.00} credit I was owed put back on my account. 

On XX/XX/24, I received a letter in the mail dated XX/XX/24 where they denied my claim. 
Regions denied my claim to have the {$220.00} put back on my credit despite not only evidence that the merchant agreed to cancel the requested service having not performed any work, but also despite evidence in a phone call recording where the merchat ( XXXX XXXXXXXX XXXX ) confirmed that my refund had been processed on their end on XX/XX/24.

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
my credit card was lost, its a XXXX  mastercard provided by cbna and was used for XXXX $ i reportedit lost on XXXX of 2023 they closed the acct and said that after investigation these were my charges as one of the places the card was used, was also used by me on previous bill as it happens to be in my area that i live, i was not given any proof or anything to how come this decision was made

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 2024-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/XXXX I asked the lender/company that manages the account ( capital one ) to contact XXXX to see if the account is eligible to be re-reported or reinserted to my credit report. 

They advised me they were not able to do this. 

Additionally, I tried contacting XXXX after having no success and once again after speaking to management was advised they were not able.

There is no issue reporting to XXXX monthly since XXXX. The XXXX point discrepancy in the score differences is solely because of this one account not being added to my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello : I am a senior and feel I have been mislead by American Express. 

2 Advertising Promotional Complaints against American Express for the Platinum Card : 1 ) Applied but did not receive the initial promotional offer. Was told that I was not entitled to it because I had a card prior. I accepted that although there was no disclosure at time of application that stated that limitation. 

2 ) The card has a membership fee of {$250.00}. Once I was approved for the card, I did not see the flight certificate available. I called and was told to pay the {$250.00} and would then receive the certificate. I paid it but am now told that I have to paid a second annual fee before I will receive the certificate so what should have been a {$250.00} companion flight certificate now costs {$500.00}. 

The only choice Im being given now is to cancel but I will only receive {$200.00} refund because it has now been over 30 days since the fee was assessed. 

I feel like both situations are deceptive. My resolution would be a refund of the full {$250.00} but also for American Express to be more clear in their promotional offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 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: AZ

Complaint narrative:
To Whom It XXXX Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS LHMDODGERA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS LHMCHRYSLE Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX of XXXX I XXXX XXXX wrote a Correspondence to all 3 Credit Reporting Agencies asking them to remove this incorrect information from my Credit Report, XXXX took the false information off their credit reporting but TRANSUNION and XXXX refuse to comply with the fair credit reporting laws, rules, and regulations of the CFPB.

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-12 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-12 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Delete this 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 2024-02-12 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: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction.- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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