vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 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: MA

Complaint narrative:
Amex Prepaid Gift card not able to be used. Called XXXX times and said the the card available balance was there and saw that my transactions was declined multiple times ( provided no reason ). Asked me to continue to " TRY '' and use it other stores that accept American Express. Keep getting declined so called again and said I can submit a refund and it will take XXXX weeks. The card was a gift so the refund goes back to the purchaser and not the recipient of the gift card. Customer service from XXXX is of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I had an American Express ( Amex ) card member for 30 years. I received a letter from Amex that it had increased my credit limit and was sending a replacement card for one due to expire XX/XX/22. The replacement card did not arrive 10 days before expiration. I advised Amex representative that the card usually arrives sooner and recommended they cancel the replacement. No replacement card arrived one day before the card was due to expire and I called Amex again. I was told the replacement card was not canceled but my Amex account was canceled. Amex rep called to reinstate my account and was told I was turned down by the credit agency, XXXX, whose ads imply one should use its bank to " boost '' one 's credit score. This company also never sent a letter to me outlining one 's rights. XXXX recommended that Amex make a correction to my record which states I missed 4 months of payments for a replacement card I never received. Iam seeking correction of my credit record and reinstatement of my account. The only significant issue with my record took place when I was XXXX due to a XXXX XXXX and missed XXXX car payments which I promptly paid upon discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: FL

Complaint narrative:
Bank of America closed my account, and held the remaining balance I had in the account, I have called multiple times and the reason they closed my account is given as " It a relationship of two and we let you go, the reason for holding the money is under investigation '' Its been a year or so under 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 monetary relief
Consumer complaint received 2023-11-13 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: MOHELA
State: CT

Complaint narrative:
XX/XX/XXXX submitted a dispute to remove or show that my Mohela student loan was paid in full. XXXX told me that my dispute did not specify what I wanted them to do so I had to submit another one. I also submitted verification of the debt being paid in full which I had a letter from Department of Education detailing this back in XX/XX/XXXX. I submitted another dispute in XXXX which again verification was submitted. I contacted experian today ( XX/XX/XXXX ). I was told that documentation was never submitted to verify that my loan was paid in full by the first agent. I requested to be sent to another agent to reprocess the dispute. I spoke with this other agent who was able to see the documents that were uploaded prior but did not provide a reason why it was not sent before. 
In the mix of everything I had already spoke with Mohela approximately XXXX weeks prior and I was told that the credit bureaus would be notified by XX/XX/XXXX that the debt was paid in full. XXXX and XXXX have already sent me letters last week confirming that the debt has been paid in full but for some reason XXXX has not. I do not appreciate the way this has been handled by XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Saw a collection debt on credit report from PORTFOLIO RECOVERY ASSOCIATES account number XXXX. For the amount of {$2000.00}. I am not liable for this debt since I never went into contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: GA

Complaint narrative:
Between XX/XX/2023 and XX/XX/2023 Equifax has reinserted an inaccurate account transaction from XXXX XXXX XXXX. I have first hand knowledge that the account transaction is a result of identity theft and is inaccurate. 

Equifax failed to provide me with certified proof that the transaction is accurate. 

I am exercising my right under the FCRA to a reasonable reinvestigation. If Equifax can not provide documentary evidence that the transaction is accurate, it must be promptly deleted from my credit report and file within 15 days. 

Equifax 's actions are negatively affecting my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I refinanced my home loan with nationstar mortgage ( Mr Cooper now ) in XXXX. In XXXX of XXXX I received a letter from Nationstar saying they owed me a balance from this account. I completed the steps to have a check issued to me on XX/XX/XXXX. It is now XXXX and no check has ever been mailed. I made multiple good faith attempts to resolve the issue with phone calls and chat but nationstar would not allow me to get in line to speak with a person due to " high call volume ''. I submitted a ticket describing this issue and the response was " reach out to the state to regain unclaimed funds ''. These instructions are insufficient as well as misleading. The funds were claimed by me in a timely manner from the date notification was received. Refusing to contact or assist me when money is owed does not seem like it is legal. I hope this complaint will motivate them to explain where the money they owe me has gone and get them to submit payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: OH

Complaint narrative:
Was given a loan Deferment by XXXXXXXX XXXX XXXXXXXX on XX/XX/23. 
They told me that this would not affect my credit and since they were only moving payments to the end of the loan and not writing anything off, that those payments that were moved to the end of the loan would show current. 
They have reported those payments that they Deferred as late and have not responded to my request for them to be removed as late as per the CARES Act and as they indicated that they would.

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 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
They have been trying to corner me to send my notarized photo ID in because I failed a voice password verification about three months ago. Having failed to forcibly extract that information ( which no other bank or credit card company I've dealt with has come close to requiring ), they have decided to XXXX with my online banking -- I can't even log in and make my minimum payment, because it says the password is incorrect, and when I try to reset the password, they say that the information I put in it to obtain a new password ( my email and my social security ) is wrong. Which is more likely -- that I don't know my email and my social security number, or that they just REALLY want to forcibly extract my photo ID from me, and they're making things more and more difficult for me ( when they locked the credit card, I had decided that I would just make the payments, and never use the card again ) in order to do that? What kind of insanity is this? Why can't they settle for a 2FA like every other credit card or bank? What are they planning to do with my information that they NEED it SO BADLY? It's extremely worrisome.

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 2023-11-13 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:
I had fraud in my credit, someone opened 2 credit cards under my name and now it is in my credit report. I disputed this to my credit agency but the credit agency did not help me. They said they have done an investigation in the past and they are not doing another one. These account were opened in XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  original Transunion is not helping me deleting this fraudulent credit card of my report. They have refused to do an investigation in XX/XX/XXXX about this case in order to delete them. they refused to do an investigation again after they said it was verified on XX/XX/XXXX. And the companies verified. Transunion responded to the CFPB ON XX/XX/XXXX Complaint # XXXX stating that " We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. '' when I call they said they never closed this case because they never received it from the CFPB. TRANSUNION has did nothing to help and and has violated my rights into an 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 2023-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
Last year around XX/XX/XXXX my tax return was taken from my cashapp account without my consent And I informed the company about to which they did nothing..I was locked out of my cashapp since then an wasn't able to access my account until XX/XX/XXXX when I seen that my XXXX tax return was also sent there an taken again with my consent. I informed the company again an they again did nothing to resolve or reimburse me for my loses the first was {$4400.00} an the second was {$9000.00} I'm asking for full reimbursement do to the fact that my account is fdic insured an my money should be as well im asking for full reimbursement of my funds sent to me at [ XXXX XXXX XXXXXXXX XXXX XXXX ca XXXX ] my name is XXXX XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: TX

Complaint narrative:
This company Transunion continues to report fraudulent information even after being notified. 
I am a victim of Transunion my rights have been violated prior to rental and housing been denied. 
I place a freeze on my profile and it wasn't lock and it is still open. My profile was never frozen

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 2023-11-13 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: OH

Complaint narrative:
In Acordance with the Fair credit reporting ACT Account : DEPT OF EDUCATIONXXXX : # XXXX {$1300.00} DEPT OF EDUCATIONXXXX : # XXXX {$1600.00} DEPT OF EDUCATION/XXXX : # XXXX {$3600.00} DEPT OF EDUCATIONXXXX : # XXXX {$5500.00} XXXX XXXX XXXX : # XXXX {$5500.00} Has Violanted my rights.

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.

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 2023-11-13 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: TX

Complaint narrative:
This company Experian continues to report fraudulent information even after being notified. 

My file have a freeze on it and apparently it wasn't lock and its still open. My profile was never frozen

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 2023-11-13 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act this creditor ( XXXX, XXXX, and XXXX ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act this creditor ( XXXX, XXXX, and Experian ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan late for any 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 explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
System failure credit score remains around XXXX when score should be in the XXXX. All inquiries are removed yet payment history still affects score alongside derogatory report, and many more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are several things on my credit report that are way beyond XXXX years old. For instance, there is a store card that was open in XXXX without my consent and it was closed two years later with no balance and no charges. That account was from XXXX. Closed in XXXX. It is now XXXX and for some reason they are putting it on my report again. These abuses are not minor. In addition, I am a participant in the California safe at home program for XXXX XXXX XXXX  They are not supposed to be using my home address on my credit report. Yet they continue to do so, despite being sent a letter from the state of California telling them theyre not allowed to do this. The department of motor vehicles, the department of health and human services, even the social services officers have to use my safe at home address. This protect my family. These people are literally putting my family at risk, and they have not resolved this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: NY

Complaint narrative:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
From XX/XX/2022 to XX/XX/2022 there have been several hard inquiries made on my Transunion, XXXX and XXXX credit reports that I did not authorize. I do not know or have any business or any agreements with the companies listed. I am exercising my authority to dispute the inaccuracies on all three credit reporting agencies per 15 U.S. Code 1679c. This can be considered a defamation of character and possible identity theft. I request that they be removed 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