vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 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: GA

Complaint narrative:
As a consumer, I am once again requesting a detailed explanation of all the steps your agency undertook to ensure the 100 % accuracy of the reported items, as mandated by 15 U.S.C. 1681i ( 7 ) - Method of verification - Description of reinvestigation procedure. According to this section, a consumer reporting agency is required to provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher if reasonably available. This description should be provided to the consumer by the agency within 15 days after receiving a request from the consumer for that information. I expect full compliance with this request.

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 2023-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank America Accounts Ending XXXX I opened XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX. 

XXXX XX/XX/XXXX I opened a Safety Deposit Box at XXXX XXXX Bank America Branch in XXXX CA. I Deposit my Mother ; Grandmother ; Great Grandmother ; Wedding Ring value {$50000.00} As a Historical Heirlooms 18 Karat Gold ; 1 Carat RubXXXX Stones ; AND 2 Carat Diamonds Cute Wedding Historical Heirlooms from XXXX Era. 

XXXX Covid 19 requires Bank America close 25 % Branches in California downsizing. 
XXXX Covid 19 Pandemic Layoffs Governor XXXX XXXX Ordered stopped Payments 60 days on XXXX XXXX Edd Unemployment benefits due to Massive fraud. 
XXXX Bank America seized my {$3000.00} Certificate of Deposit Account that was linked to My Safety Deposit Box contains Mother 's Historical Heirlooms {$50000.00} 3 Carats Golden Diamond Wedding ring and sold the Ring to State Of California due to no transfer $ XXXX  yearly annual Safety Deposit Box fee from the Covid 19 Seized Certificate Deposit Account linked to Safety Deposit Box with Mother 's Golden Diamond ring {$50000.00} Heirlooms. 

XXXX Covid 19 Bank America closed 25 % Branch in California and XXXX XXXX XXXX XXXX XXXX California where my Safety Deposit Box Mother 's {$50000.00} Golden Diamond Ring Heirlooms. 

Bank America has had my current address since XXXX Opened Current Bank America accounts moving XXXX from XXXX California to XXXX XXXX and Present Residential XXXX XXXX XXXX XXXX CA. 

Bank America never called or notified Any my 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 2023-07-31 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I paid for two American Express Pre-paid Gift cards on or about XXXX 2021, each in the value of {$75.00}. Both cards had charges on them before I even received the cards in the mail. I attempted to comminicate with American Express to advise that they needed to send replacement cards. Amex said that they disclaimed all liability! For more than one year, I have been attempting to communicate with the Executive Office of American Express about this issue. I have been told that AMEX will not assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31 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: MI

Complaint narrative:
Reporting wrongly information I have told them over and over again.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

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 2023-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: MN

Complaint narrative:
Bank PEDFED closed the account of my deceased father to which I'm stated as the Beneficiary. I've talked to 3 different agents, 1 in person, and 2 over the phone. 2 of them tell me that the account was closed by my stepmother and funds were withdrawn on XX/XX/XXXX. In XXXX of XXXX, I went to a branch to let them know that my father had passed, and he had me named as a beneficiary on the account but was told that I was NOT named on the account and that my stepmother had already notified them and if I wanted to know more about the account I'd have to go through probate. 

Probate was completed this year and I'd gotten access to some of my father 's property, in that property was an old bank statement that showed me as the beneficiary of the account. on XX/XX/XXXX I took that statement to the local branch ( XXXX XXXX, TX ), and talked to an agent who escalated to her boss XXXX XXXX. Both of these PENFED employees said that the money was withdrawn on XX/XX/XXXX by my stepmother. XXXX XXXX stated that she should not have been able to withdraw the money because she was not on the account. I've asked how this was possible when she was not listed on the account and I was listed as the Beneficiary. I know that she shouldn't have been able to remove funds because I tried at 2 other banks XXXX XXXX, and XXXX XXXX XXXX. XXXX said that he would send all the information to the estates department and I should hear from them. At that time he took copies of the death certificate and my letter of Testamentary, which he said that he'd send to the estate department. 

I called PENFED 's customer service line on XX/XX/XXXX because I hadn't heard from anyone. I was again told that I needed to send them a copy of the letter of testament because I was not on the account. I had to point out that yes, I was named beneficiary on the account. The agent was able to figure that out and we reviewed the account. He too told me that the funds were withdrawn on XX/XX/XXXX but he wanted to do some research into how they were withdrawn and asked me to call back in a day or 2. 

I called back on XX/XX/XXXX and was again told that I needed to send in a letter of testament bt an agent named XXXX XXXX and she wouldn't be able to talk to me until the next day. I hung up and then realized that I was a named beneficiary so I called back and told my story to a new agent who transferred me to a supervisor who then told me that all the funds in this account were used to pay my father 's outstanding debts.

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 2023-07-31 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: CA

Complaint narrative:
Im disputing XXXX XXXX they have reported a payment as late I wasn't late XX/XX/2019 I closed this account a few years ago it is paid as XXXX balance owed the late payment is inaccurate I have already asked them to remove it in the past and they haven't abided and they violated my consumer law because they never gave me the option to opt out from reporting this information to a third party which is a privacy violation I have never been late please update to show no payment late thank you

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 2023-07-31 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: MI

Complaint narrative:
accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

If the validated debt was accurate it wouldve been accurately reporting across all 3 credit bureaus. This is ground for removal they violated my rights under 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 : states 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 2023-07-31 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: GA

Complaint narrative:
According to FCRA 15 U.S. Code 1681s2, as a furnisher of information to consumer reporting agencies, you have a duty to provide notice of dispute if a consumer challenges the completeness or accuracy of any information you furnish. However, I have disputed these inaccurate items with you over 35 days ago, and you have failed to notate it as disputed. This has caused significant harm, as I have missed out on offers due to the reporting of this inaccurate item without the proper notation of the dispute, which is a violation of the law under FCRA 15 U.S. Code 1681s2 ( 3 ).

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 2023-07-31 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I tried to make an ATM withdrawal from XXXX on XXXX XXXX and was told I have insufficient funds the amount was for XXXX along with the {$2.00} that Payfare charges this all came off the card. It is XX/XX/XXXX and I have only been given the runarounds and going back and forth with this company about my money. I have filed a complaint only for it to be closed out. Payfare says i withdrew money from an atm XXXX XXXX XXXX which is incorrect. This company has failed to provide original documentation of ATM statements including statements from the alleged ATM they say I withdrawed from. This company has given me run around since the XXXX of XXXX, after 30 days of me complaining to them I had employee at XXXX direct/Payfare tell me that the refund is being processed and it would take up to 60 days but give it 30 days and this is all on recorded phone call. I called to follow up on the refund status because I was told from an employee that it would be ready in 30 to 60 days. I suggest look into voice calls as well with this company I have called over 15 times to resolve this matter and been hung up, employees will not let me talk they talk over me right before they hang up so it's just been all downhill for this company. I have done everything I was supposed to do from the start on XXXX the XXXX and have got nothing in return. However the company return an altered email that was not from the official bank statement or ATM statement of the ATM. They sent me a chart that looks like it had been typed in and highlighted which is not the official paperwork for transactions on ATM statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

has violated my rights. Or list of inquiries 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX are reporting a debt from original creditor XXXXXXXX XXXX from XXXX on my credit report. I don't live in XXXX for 6 years and I never had a debt in there. I asked them for the original information and it's complete IDtheft. I asked them to remove from my report and stop reporting. they still reporting

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX are reporting a debt from original creditor XXXXXXXX XXXX from XXXX on my credit report. I don't live in XXXX for 6 years and I never had a debt in there. I asked them for the original information and it's complete IDtheft. I asked them to remove from my report and stop reporting. they still reporting

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-07-31 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: GA

Complaint narrative:
Under the U.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. I did not give permission for my credit report to be pulled. Please remove all of the following hard inquiries from my credit report : 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 explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Multiple frauds-across multiple time frames

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Multiple frauds-across multiple time frames

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 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC
State: TN

Complaint narrative:
Back on XX/XX/XXXX I told Capital Link Management that they are not to contact anyone other than myself about my debt. They called 2 of my family members and told them I owed money. I made it clear they are not to call anyone else ever again. Well they are now calling my family members again. This is harassment. I made it clear back in XXXX they needed to stop and they arent. And telling my family I owe money. Thats not okay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

has violated my rights. Or list of inquiries 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 2023-07-31 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: GA

Complaint narrative:
According to FCRA 15 U.S. Code 1681s2, as a furnisher of information to consumer reporting agencies, you have a duty to provide notice of dispute if a consumer challenges the completeness or accuracy of any information you furnish. However, I have disputed these inaccurate items with you over 35 days ago, and you have failed to notate it as disputed. This has caused significant harm, as I have missed out on offers due to the reporting of this inaccurate item without the proper notation of the dispute, which is a violation of the law under FCRA 15 U.S. Code 1681s2 ( 3 ).

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