vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It has been over 7 months the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.

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 2023-05-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It has been over 7 months the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I deposited $ XXXX with Citizens Bank to get access to better financing terms for my house. They will not let me withdraw the money without going into a branch, the closest of which is over XXXX hours away, despite repeated attempts to do so and no warning that this would be the case when I deposited the money. They told me I would be able to get an exception if I contacted the wire department, which then denied my request. I need access to this money and the bank is not being cooperative at all, telling me I will have to transfer it out over a period of months due to wire limit transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Waypoint Resource Group, LLC
State: MI

Complaint narrative:
XXXX complaint number still has not been removed

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 2023-05-23 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have been trying to get this Derogatory off of my credit report for months. I have sent in 4 disputes, and nothing is being done. I have sent in proof what I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.

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 2023-05-23 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
AMERICAN EXPRESS XXXX  XXXX Prepaid Debit Accounts and cards are issued by American Express XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. American Express XXXX XXXX XXXX XXXX XXXX XXXX is licensed as a money transmitter by the New York XXXX Department XXXX XXXX XXXX. XXXX ID # XXXX THIS COMPANY I SWEAR IS A SHAME. THEY ARE USED BY XXXX XXXX FOR TAX PURPOSES. CURRENTLY IM USING THEM PER PAYROLL IN GENERAL. 

THEY ARE REFUSING ME MY MONEY I AM ENTITLED FROM A REFUND DONE 7 DAYS AGO! 
I'VE HAD OTHER RETURNS DONE IN XXXX TO 4 DAYS. WHY THE XXXX IS THIS TAKING XXXX TO 14 DAYS! ITS XXXX FOR A {$230.00} DOLLAR REFUND ON A PRODUCT TO GAME STOP I RETURNED A XXXX WEEK AGO. 

DON'T USE THIS XXXX OF A COMPANY FOLKS. THEY STEAL MONEY. READ REVIEWS ABOUT THEM, THEY CLOSE ACCOUNTS ALL THE TIME WITHOUT NOTICE, THEY KEEP THE MONEY IN THE ACCOUNTS TOO.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Our Bank of America business credit card, with the number XXXX, offers rewards. I am writing to request a correction regarding a check that was issued to me. On XX/XX/XXXX, I received a check in the amount of {$5600.00}. The check number is XXXX. However, the Pay to name on the check was incorrect. 

To rectify the situation, I contacted Bank of America on XX/XX/XXXX, through the number XXXX. I requested a change to the Pay to name and asked for a new check to be issued. Bank of America acknowledged my request and provided me with a case number, XXXX, in a letter dated XX/XX/XXXX. 

Unfortunately, despite the passage of two months, I have not yet received the new check. As a result, in XX/XX/XXXX, I sent a letter along with a copy of the check to XXXX XXXX XXXX, XXXX XXXX, TX  XXXX. On XX/XX/XXXX, I received a response from Bank of America, including a new case number, XXXX. In their letter, they assured me that the new check would be mailed to me within 7-10 business days. 

Regrettably, even after one month had elapsed, I still had not received the replacement check. Frustrated by the ongoing delay, I called Bank of America on XX/XX/XXXX. They reassured me that they would address the matter promptly. However, it was not until XX/XX/XXXX, that I received another letter from Bank of America, which assigned a new case number, XXXX. 

Despite my continued efforts to resolve this issue, including contacting Bank of America once again on XX/XX/XXXX, I have yet to receive the corrected check. Their response was to provide me with a new ticket number, XXXX, and instruct me to call back in 5-7 business days. 

Throughout the period from XX/XX/XXXX to XX/XX/XXXX, I have been assigned a total of four case numbers by Bank of America. However, it is disheartening that they have failed to resolve the problem thus far. I am exhausted from this ongoing ordeal and have lost faith in their ability to rectify the situation.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

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 I5 USC 1681. Oklahoma XXXX XXXX XXXX XXXX : # 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 XXXXXXXX, 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 reposting 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

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 I5 USC 1681. 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 XXXXXXXX, 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 reposting 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 2023-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I bought a shirt at Torrid for XXXX dollars and I was 2 days late on the payment which I paid at the store. I was assessed a late payment fee which I attempted to pay over the phone twice. For some reason my 2 payments did not go through so I went into the store to pay the late fee. My present balance is all late fees and minimum payment fees related to the late fee. I do not believe I owe anything. Also my debit card was hacked at the same time. Comenity bank would not work with me they just sent my XXXX balance to a collection company and reported it on my credit report. It was their fault because they did not process the payments correctly and possibly their employee stole my debit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX - XXXX Please investigate and provide proof with a statement showing that the payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was never late. 

Thank you, 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 2023-05-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX - XXXX Please investigate and provide proof with a statement showing that the payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was never late. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Last year I had sold a gaming console to someone from XXXX XXXX who made a new fraudulent and then paid me through Venmo. After which they did a charge back on that credit card. Venmo then sided with that invidual who has a fake account and used a fake identity to do this to scam me out of {$750.00}. Venmo took that funds from my account, sent it to the other person, and then froze my account without much investigation or thought. This happened on XX/XX/XXXX of XXXX. I tried many times to call Venmo and reach out to their support without much avail. The person 's Venmo name and their real name dont add up. If you go into that person 's account you can see that they have no history or friends, nor is their identity verified. 

I had my account since Venmo first came around and I have over XXXX friends on there and my identity is verified. 

I've been a customer of Venmo for a very long time. My account is verified I have had many transactions on there over the course of the last decade or so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: TX

Complaint narrative:
Please remove account XXXX XXXX XXXX XXXX {$550.00} from my credit report. The only accounts I have with this company are with the balances {$1200.00}, {$660.00}, and {$1500.00}. I will attach the letter from the debt buyer listing the 3 accounts. This other account you guys are reporting is not accurate and if it is not removed within 15 days I will seek legal action because this is clearly a huge error and violation of the FCRA. Please see the attached letter and my proof of identity.

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 2023-05-23 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inaccurate and inconsistent information has been a problem for me for several years. I have previously made complaints in the past, but nothing has changed. Except for XXXX, EXPERIAN and XXXX credit history information has remained inconsistent for several years. My EXPERIAN and XXXX credit history should be consistent with my correct XXXX credit 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 2023-05-23 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: Garrison Investment Group
State: VA

Complaint narrative:
I am disputing information on my credit report stating I have missed a payment to FOUNDATION FINANCE CO reported on XXXX XXXX XXXX. The information listed above is not information related to any transaction by me. Please provide identification of such information is shown as late. Please remove late payment off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or 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:
Received 2 American Express gift cards from my son, each with {$100.00} on them. Expiration dates are XX/XX/XXXX and XX/XX/XXXX. Had them for about a year or two, went to use them and was denied! After calling American Express, found out that they had turned over the money to the state ( Massachusetts ) for unclaimed money even though the expiration dates were good till XXXX! My son doesnt have the receipts for them, assuming everything was fine! So with no name or receipt to link these cards to me, I cant claim them!! I would like the money back that was rightfully mine and I have the 2 gift cards. Why cant I get the money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified, Tell me how is that possible when you the Bureaus have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. I attached a full billing statement and proof of ID to the bureaus to show that it is actually me and not a credit repair company and still get no response!.

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 2023-05-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified, Tell me how is that possible when you the Bureaus have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. I attached a full billing statement and proof of ID to the bureaus to show that it is actually me and not a credit repair company and still get no response!.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: FL

Complaint narrative:
AssetCare LLC is calling, texting and interfering with my phone, computer and television. I have contacted them and the original medical provider of services to clarify I dont owe this. At the time of services rendered I provided my insurances and they have paid all claims. 
AssetCare has purchased the debt third hand and is trying to collect from me. The most alarming part is the debt amount has changed several times. They are requesting a settlement of {$130.00}. 

I want the interference with my electronics to cease immediately. As a senior its very uncomfortable having this challenge. 
Thank you for reviewing this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief