vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Friday, XX/XX/year> around XXXX am, I requested Merrill Lynch a wire transfer for a closing of home purchase. It was an online wire transfer, I paid {$25.00} for the same day delivery service. 

At the end of the day, my attorney told me the wire is now showing on his escrow account. 
I called Merrill Lynch customer service to ask why my wire transfer is taking so long and when my wire is going to arrive to the recipient and they told me my wire request has been reviewed and approved for a transfer, so it is guarenteed that the recipient should get it by midnight. 

The weekend has passed and I checked my wire status on Monday, the wire was still incomplete. 
I visited a branch and a financial advisor called the corresponding department to track down the wire, and it turns out the final approval is still in progress and it is not guaranteed when it will actually be completed. 

My closing was supposed to take place at XXXX on that day, and the wire did not go through until the end of Monday so my closing is adjourned, It is Tuesday now, Merrill Lynch is telling me that the fund is now being reviewed by federal government so they can not cancel or retrieve the wire and can not do anything at this point. 

Now they are blaming me for not making a transfer earlier, and for not contacting their " right department '' for wire transfer. It is ridiculous I just followed the regular procedure as any other bank 's online wire transfer service would tell me to do. 

Now my closing is jeopardized, I do not have my new the keys to new home, I can not move out of my current apartment while my landlord is telling me to evacuate soon.

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 2024-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I sent a letter requesting this information XX/XX/year> and I haven't gotten a response at all from the company. This is what I asked for and did not receive I would like this debt deleted since the company failed to supply such requested information and we are way passed the 30 day time period. 

1. Send me a detailed list of the history of payments made by me on this account. 
2. I want to see a copy of the contract with my signature agreeing to pay this creditor 3. Has there been any insurance claim filed on this debt 4. Please provide proof that you have chain of title to collect on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Urgent Request for Resolution and XXXX XXXX Dear XXXX Support Team, I hope this message finds you well. I am writing to express my deep frustration and concern regarding the ongoing issues Ive faced with my XXXX account, particularly related to my XXXX Debit Card and the treatment I have received from your customer service representatives. I have been a loyal XXXX user for over 8 years, and this recent experience has been nothing short of distressing. 

For the past XXXX months, I have been unable to access or use my XXXX Debit Card due to what Ive been told are security reasons. However, no specific or clear explanation has been provided for why my card is now restricted, especially given that I have used this service without issue for years. I would like to remind XXXX that, under the Americans with XXXX XXXX ( XXXX ), I am entitled to the same access and services as any other customer. As a person with a XXXX, I depend on the ease and accessibility of XXXX for managing my finances. 

Additionally, I have encountered multiple instances where XXXX representatives have been unhelpful, rude, and dismissive. In particular, I was recently told that my debit card would never work due to these supposed security concerns. This is not only frustrating but also discriminatory and unjust. On XXXX occasion, I was left feeling belittled by a customer service representative named XXXX, who displayed a lack of empathy and understanding, which is especially difficult given my circumstances. 

To further complicate matters, I have faced attempts of fraud from XXXX employees, which I was able to detect and reverse on my own. Despite resolving the disputed transactions, my card continues to be locked. This situation is now causing me undue financial and emotional distress. I rely on XXXX for my basic needs, as I do not have access to a traditional bank account and have a fixed income due to my XXXX. 

I would like to request that this matter be escalated to a higher level of support, and that a thorough investigation into the unjust restrictions on my account be conducted. I also urge XXXX to review its policies and ensure that all employees are trained in the legal protections and rights afforded to XXXX customers under the XXXX. 

Please let me know how this issue will be resolved, and I kindly ask for immediate access to my XXXX XXXX XXXX. I would greatly appreciate your prompt response to avoid any further hardship. 

Thank you for your attention to this matter, and I look forward to your prompt and compassionate resolution.thanks for taking the time to read this take care of yourselve bye Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: CA

Complaint narrative:
This serves as my final notice before I pursue legal action. I have made multiple requests, and Im done asking politely. Despite my numerous notifications regarding inaccurate, erroneous, and unverifiable information on my credit report, no corrective action has been taken.

Under the FCRA, you are required to retain original documentation from creditors to confirm that the reported information is accurate and verifiable. In response to your investigations and subsequent reinvestigations, you stated in writing that this information is reported correctly. I have repeatedly asked for clarification on who verified these accounts, yet you have failed to provide any original documentation as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). Per Section 611 ( a ) ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any unverifiable information.

Sections 616 and 617 offer legal recourse if a credit reporting agency is noncompliant, which applies here. Since you have claimed verification of these accounts without providing any supporting information, I am giving you a final opportunity to DELETE the accounts immediately. 

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 2024-11-06 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: NY

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. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed has violated my rights. 

XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX 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

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint to bring attention to TransUnion 's ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes regarding the reporting of two inaccurate XXXX XXXX accounts, TransUnion has not taken corrective action. Each time, TransUnion merely verifies the accounts without any valid documentation or explanation of their verification process. This negligence clearly violates FCRA standards, specifically 15 U.S.C. 1681i ( a ) ( 1 ), ( a ) ( 5 ), and ( a ) ( 6 ), and constitutes a willful disregard of required verification procedures. 

In support of my request for compensation, I am attaching Invoice # 1, requesting {$1200.00} for damages related to these repeated FCRA violations under 15 U.S.C. 1681n. This invoice represents a minimum of {$100.00} per violation across six specific disputes, all submitted through the CFPB. 

Demand for Action : TransUnion must DELETE, XXXX, XXXX, and XXXX these two XXXX  XXXX accounts from my credit report immediately and issue full payment for the {$1200.00} invoice attached. Failure to comply will result in further legal action to enforce compliance with FCRA standards. 

Thank you for your prompt attention to this matter.

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received an update through XXXX than a debt collection agency known as LVNV FUNDING LLC flagged my account stating I owed {$250.00}. 
After calling XXXX we determined the account was opened using my social and a Texas address being XXXX XXXX XXXX XXXX XXXX, TX XXXX. This being a case of Identity Theft I was instructed to report fraud. XXXX has already started the process to dispute the address in question under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am contacting you regarding accounts listed on my credit report that have been charged off or otherwise written off by your company. Under IRS regulations, specifically the Internal Revenue Code ( IRC ) 6050P, any creditor that cancels or writes off a debt of {$600.00} or more is required to issue IRS Form 1099-C to the debtor for reporting purposes.

As of this date, I have not received Form 1099-C for any charged-off accounts related to your company. To comply with my tax reporting obligations, please promptly issue this form or confirm whether no such cancellation of debt was reported to the IRS.

If your company failed to report this cancellation of debt and subsequently did not issue Form 1099-C, this may constitute incomplete or inaccurate reporting on my credit, which may also fall under Fair Credit Reporting Act ( FCRA ) regulations. 

Please provide the requested documentation or confirm that these accounts were not canceled and no debt forgiveness was reported. Your prompt attention to this matter will enable me to fulfill my obligations with accurate and complete information. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct US DEPT ED XXXX Balance Owed : {$1800.00} US DEPT ED XXXX Balance Owed : {$1100.00}

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-06 00:00:00
Product: Credit reporting 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:
I am writing to dispute the reporting of a late payment on my credit report. I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

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 2024-11-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Account don't belonge to me XXXX  XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: CA

Complaint narrative:
Account don't belonge to me XXXX  XXXX XXXX XXXX XX/XX/2024

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 2024-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Received a debt collection letter from midland credit management , Inc on XX/XX/year>. The debt its inaccurate and incorrect and I send the dispute for the validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 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 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NC

Complaint narrative:
XX/XX/year> purchased items from merchant XXXX  for {$61.00} XX/XX/year> reached out to merchant XXXX  for an update on items, phone disconnected and there was no response to email XX/XX/year> reach out to Chime Bank ( XXXX ) to dispute due to paying for goods and did not receive from merchant and no way to contact them XXXX- Chime Bank denies claim but will not tell me if they contacted the merchant XX/XX/year> - re-filed dispute with Chime uploaded more proof XXXX requested update on claim with Chime, no info to give ..still being investigated XXXX- Chime denies {$61.00} dispute claim againChime is not reaching out to the merchant because they would see they cant contact them because the phone number and email address for the merchant is bogus. They will not confirm that they talk to the merchant. 

I would like my money back because i have been scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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:
The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

XXXXXXXX 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