vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received an email about my information being in the XXXX data breach so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 
The incorrect addresses are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX, FL XXXX The incorrect names are : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid 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: NY

Complaint narrative:
I received an AMEX gift card that was sealed in the original envelope from a family member whom ordered it directly from AMEX. When i went to use it there had been 4 unauthorized charges on the card that were not from me. I received the card a week ago ( XX/XX/XXXX ) but the charges were from XX/XX/XXXX and XX/XX/XXXX. This card was unopened in the original American express envelope. Amex would not do anything to assist with charging back the fraudulent charges and were overall very unhelpful. They told me to contact the store that the card was used at to have them reverse the charges. I am in the process of dealing with paypal to get all of the charges reverse but this extremely concerning that the sealed AMEX gift card credit card numbers were somehow leaked online and/or stolen. The only way i could imagine this could have happened would have been in the amex facility itself as the card was never opened or viewed by anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Additionally, CHASE has repeatedly charged my CHASE XXXX XXXX XXXX 's account {$15.00} per month in fees when I have met with a bank manager in XXXX Connecticut repeatedly. I am a private bank customer and no fees are supposed to be charged to my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN is reporting an account on XX/XX/2023 on my credit report : Potential Account numberXXXX showing on EXPERIAN report. 

The report states a balance still owed, but this account have been paid off and closed as shown on all my other report from XXXX, XXXX and even experian prior to XX/XX/2023! 

on XX/XX/2023, report as well witch shows you are reporting inaccurate information that are affecting my credit worthiness without verifying accounts and my consent!. all other credit burau are reporting properly that all my student loan accounts have been paid of as agreed and with no balance owed including this account amount, you are even providing a different account number. 

Per 15 U.S. Code 1681 Without you being able to provide me with the original contract with my signature, I am requesting that U S DEPT OF ED and EXPERIAN to have the incorrect item removed immediately from my credit report that is causing damage to my name and credit worthiness. 

i need to make sure they not keep reporting inaccurate information and need the CFPB to have them comply with the laws and preserve my rights! 

Thanks for your help

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 2023-03-23 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 — Investigation took more than 30 days
Company: Credit Control, LLC
State: NC

Complaint narrative:
XXXX XXXX, XXXX, I sent an email to Credit-Control requesting verification of an account with XXXX XXXX  XXXX Their reference number is XXXX. I requested proof/verification of the debt within 30 days per the Fair Credit Reporting Act. They never responded in any manner. 

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX cc : XXXX XXXX XXXX I am writing to inform you that this charge-off has not been proven. I have tried to resolve this with XXXX XXXX  to no avail. 
I am requesting proof for the charge-off : 1. Reason for charge-off ( which reason supports the decision ) 2. Date delinquency started 3. Dates of payments from that time until the charge-off was placed on the credit report 4. How many days from last payment to charge-off date 5. Full details and explanation that supports the charge-off 6. The accuracy of the amount owed Please provide copies of all documents to me supporting your findings.

According to the Federal Credit Reporting Act, you must prove the requested information. If proof of ALL of the above is not provided to me within 30 days ( by XX/XX/XXXX ), I am requesting that the account is not to be reported to the credit bureaus by you or any other collection agency ( meaning that you will not transfer or sell it to other agencies ) and no further collection attempts. 
Thank you, in advance, for your timely 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 explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I deposited a check of XXXX from my attorney who is XXXX XXXX  XXXX. I was told that XXXX will be available next day and the remaining will be available the following day, which is Friday XX/XX/2023. Now when calling theyre saying that I have to wait 5 business days because the Federal Reserve is requesting more time to verify the check. After contacting the Federal Reserve I was told this is incorrect info that I was given from Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: FL

Complaint narrative:
I applied for unemployment in XXXX. I was told it would be 5-10 business days from when my card would be delivered. After a month of no care I called during spring break, XX/XX/23, to see where my card was. I was told it was just sent out that day and would be 5-10 business days. It is now XX/XX/XXXX and I still havent received anything ; I try using the hotline to speak to a live person and the hotline changed so no person is accessible, there is literally no option to speak to a customer service agent and the automated number hangs up on you. I am beyond livid with this way2go program that Florida forced me into. I pf it wasnt for the kindness of others I would be starving in a ditch thanks to the ineptitude that is Floridas unemployment program and way2go horrendous policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
The recipient said that he could increase my sales through a web hosting site as well as several different social media platforms. I was told that I would see progress within a day 's time. I have included a screenshot of the XXXX website where the recipient said that he would create a website to boost sales. I logged in today to check the status of the website and there was nothing there. I also included the conversations held by myself and XXXX XXXX XXXX. Since then, the recipient has changed his PayPal information. I am very uncomfortable with this transaction. I am a victim of fraudulent activity. A scam. And I have a right to dispute this transaction. The service for the item I purchased was not as described. I have yet to see any product, progress, or communication of any kind from the recipient mentioned. I demand to have the funds returned back to my account or the card on file. The email : XXXX  is my email. If there be any questions or concerns, please contact me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Bought XXXX from XXXX  XX/XX/XXXX XXXX XXXX Financed with Honda Financial Corporation out of XXXX XXXX XXXX XXXX XXXX  Refinanced Loan XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX from previous Loan with Honda Financial XXXX for {$800.00} which we paid in cash was to be refunded. 
called the XXXX XXXX XXXX [ re : XXXX XXXX ] to confirm the entire amount would be refunded to me. 
XX/XX/XXXX XXXX  at the XXXX XXXX said the {$800.00} premium check XXXX XXXX was mailed to Honda Financial Corporation and cashed by Honda Financial XX/XX/XXXX. 
Honda Financial Corporation to date has kept the funds. They no longer answer the phone, letters, text or email. 
The dealership XXXX XXXX will not help as they have received their commission and it is no longer their issue I am told ONLY the Honda Financial Corporation in USA [ not XXXX the XXXX XXXX ] can help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your 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 explanation
Consumer complaint received 2023-03-23 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: GA

Complaint narrative:
I received an email about my information being in the XXXX data breach so I pulled my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The incorrect addresses are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX, FL XXXX XXXX 

The incorrect names are : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX and there is XXXX XXXX XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.

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 2023-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I do not owe this debt collection agency the amount of {$970.00}. It is on my credit report illegally because there is no written contract or written notice that validates the debt that I supposedly owe Midland Funding LLC. I would like to request that this is removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I opened a checking account with PNC bank with a bonus promotion of {$400.00} with meeting a direct deposit requirement of {$5000.00} or more within 60 days, which I did and got email confirmation from PNC bank that I met the direct deposit requirement but I am yet to get my {$400.00} bonus even after raising a complaint with PNC and no one from PNC cared to talk to me. Hence, I am raising this CFPB complaint to help me get my {$400.00} bonus. 

Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Got a XXXX dollar check on the XXXX, deposited it. Got a notification everything was fine, deposit went through, and after they processed it, they froze the account. I called they told me they had to verify with the account holder of the check, that was fine, I get it. However, after calling their fraud department twice, the first time they told me it was too late to fix it, and they second time they were unable to call her. apparently they can not verify people with some cellphone carriers, in this case its cricket. She called her bank, then she called capital one and they said we just had to be on the phone together. I then tried to call both their numbers, the fraud and customer service number and they blocked my phone. I have contacted the attorney general, filed a complaint with the state of Michigan. I am trying to buy a house and this might cause me to lose that option. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: GA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-23 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: Dovenmuehle Mortgage, Inc.
State: AL

Complaint narrative:
XXXX of XXXXXXXX XXXX XXXX XXXX deliberately with malicious and intimidation sent us written correspondence that our VA Mortgage XXXX had been delinquent and in jeopardy. We contacted our VA Home Loan Counselor through written and verbal conversation by phone to confirm and verify that our VA Home Loan was in good standing. That was by phone on XX/XX/2023. We later found out that they had records of our mortgage loan payments, and no default was found or posted against our loan. We have never missed a payment with this company. XXXX XXXX XXXX XXXX XXXX XXXX stated that they would make sure that our credit rating was going to be affected. Our problem with XXXX XXXX XXXXXXXX XXXX XXXX XXXX did not involve the mortgage loan payments at all, it was an escrow account shortage, and they use this to report the negative and derogatory information pertaining to our creditworthiness and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several fraudulent hard inquiries that have appeared on my credit report. Upon reviewing my credit report, I have noticed multiple inquiries that I did not authorize or consent to. 

I am concerned about the potential negative impact these inquiries may have on my credit score and overall creditworthiness. As a responsible and diligent consumer, I take great care to protect my personal information and only authorize inquiries when necessary. 

I believe that these inquiries are a result of identity theft or fraud, and I am requesting that they be immediately removed from my credit report. I would appreciate a prompt investigation into this matter, and any assistance you can provide in resolving this issue would be greatly appreciated. 

Please let me know the steps that I need to take in order to address this matter and provide any necessary documentation that you may require. I also request that you provide me with a written confirmation of the removal of these inquiries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Here are the inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Sincerely, 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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I have been asking for a Hardship program for past 8 months. I am told that they don't have any hardship programs. I have been affected by Covid 19, and I was unable to make my minimum payment. I have been calling since XX/XX/2022 requesting supervisor to call back. Noone but the collection department is calling back. Late fees have been accumulating and no offer was made by Avant. Now my credit card is overdrawn by {$150.00} due to Avant 's refusal to negotiate.

Company response to consumer: Closed with explanation