vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent certified letters in XXXX, XXXX, XXXX, and XXXX of XXXX about XXXX alleged bankruptcy that is listed on my profile. They just now got back to me about this month XX/XX/XXXX which was too long of response and they said it was verified through a third party XXXX XXXX and pacer but not the original source and did not do personal interviews. 

Also, I sent documentation showing the court did not verify and dates letters were sent. You were to do an audit on this, you will find as true and accurate. The court name is inaccurate, an attorney name does not exist is inaccurate and docket number, and also I asked how were you able to verify on pacer when it does not show full social security number, date of birth, and other personal information.

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 2022-02-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of 2020 I filed an unemployment claim I never received my prepaid card and my benefits were stolen all my correct information on XXXX XXXX was changed and all my benefits were used I had no knowledge a card was even issued or that I was even approved to receive my benefits. After waiting and waiting for my award letter for months and moths I called unemployment daily couldn't get through finally when I did they told me my claim was approved in XX/XX/2020 and benefits had been issued to BOFA ( BANK OF AMERICA ) to call them and request a new card check my balance or any other needs they can assist me. After calling bank of america I was told my balance was XXXX that not one but two cards were issued to me at a unknown address and my balance was XXXX. We did a claim for all those transactions I made police report and provided that to bank along with copies of my ID I HAVE PROVIDED BANK WITH EVERYTHING AND ANYTHING THEY ASK FOR THEY KEEP CLOSING MY CLAIM SAYING THERE WAS NO ERROR THAT TRANSACTION HISTORY ARE THE SAME WHEN I NEVER HAD A CARD OR MADE TRANSACTIONS THEY REOPENED MY CLAIM SEVERAL TIMES CLOSED IT SEVERAL TIMES ITS CURRENTLY REOPENED AND PENDING INVESTIGATION. ITS BEEN WELL OVER A YEAR AND THE BANK WILL NOT COMPLETE MY CLAIM OR ISSUE PROVISIONAL CREDIT IVE FILED COMPLAINTS HARDSHIPS ESCALATIONS EVERY AGENT TELLS ME DIFFERENT REASONS OF WHY THEY CANT ISSUE MY PROVISIONAL CREDIT AND THAT THEY HAVE 45 DAYS TO COMPLETE MY CLAIM AND STILL FAILED TO DO SO. {$11000.00} WAS STOLEN FROM THE CARD THAT BOFA ISSUED AND THATS MONEY I WORKED HARD FOR AND THE BANK IS TRYING TO KEEP THAT MONEY FROM ME EVEN AFTER IVE GIVEN THEM EVERYTHING THEY ASKED FOR TO HELP THEM WITH MY CLAIM. I DONT KNOW WHAT TO DO ANYMORE TO GET MY MONEY BACK.

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 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have paid all child support in full and I have tried to dispute this with Experian and XXXX and they both are not allowing me to dispute it. These accounts have been paid and they are settled and my credit report is not reflecting this

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 2022-02-12 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX My Bank is Wells Fargo XXXX XXXX XXXX ( From Wells Fargo ) I filed a claim to Wells Fargo about a transaction total of XXXX from XXXX XXXX XXXX and I never had anything to do with them. It was 3 transactions of the following. 

XXXX/Bill pay/ XXXX To XXXX XXXX  XXXX Credit Card XXXX/Bill pay/ XXXX/To XXXX XXXX XXXXXXXX Credit Card XXXX/Bill Pay/ XXXX To XXXX XXXXXXXX XXXX Credit Card As soon as I woke up I reported this transaction as fraud immediately to Wells Fargo and they had me create a new bank account with a new username and password. 

On the XXXX I went to my local police station and reported this transaction to them as Bank fraud and told me they would begin their own separate investigation into the matter. 

On the XX/XX/XXXX I was sent a provisional credit of XXXX. I was told that this was a temporary amount until they were able to investigate further in a letter later that the case had to be investigated further. 

On the XX/XX/XXXX I received an email from my local police department which had said the following " I have hit a dead-end in your case. Wells Fargo was not able to provide enough information for me to subpoena XXXX  XXXX XXXX for the recipient of the funds. XXXX can not provide customer identification information with a partial card number. I see that you have been refunded the money, according to their letter, and they consider that you have been made whole. This may be why they are not retaining records that could further my investigation. Please continue to keep track of your accounts and be mindful of unauthorized transactions. '' I had taken this as my case being resolved which made me relieved and satisfied for the time being. 

On XX/XX/XXXX ( This following letter was sent out on XXXX/XXXX/XXXX I then received a letter basically telling me one of the following, " We have not completed our research of your claim and found these transactions were made by you or someone who had your permission to perform transactions on your account. As a result, the provisional credit provided to you earlier will be reversed within 10 business days from the date of this letter. Please consider your claim closed. '' I was very frustrated by this because I had thought my case was completely done with. So apparently on the XXXX of this month, the money would be removed from my account. I never had anything to do with XXXX in my life which is very frustrating indeed and I don't even have that kind of money to be spending anyway.

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 2022-02-12 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:
I XXXX XXXX sent certified letters in XXXX, XXXX, XXXX, and XXXX of XXXX  about XXXX alleged bankruptcy that is listed on my profile. They said it was verified through a third-party XXXX XXXX and pacer but not the original source and did not do personal interviews. They are violating my rights as those items are not mine plus more than XXXX days about this issue. 

XXXX XXXX removed it and I told Experian and they still said it was verified. 

Also, I sent documentation showing the court did not verify and dates letters were sent. You were to do an audit on this, you will find as true and accurate. The court name is inaccurate, an attorney name does not exist is inaccurate and docket number, and also I asked how were you able to verify on pacer when it does not show full social security number, date of birth, and other personal information. 

I'm not sure why they said it's accurate but did not verify the correct way and that still shows invalid unverifiable, and inaccurate information.

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 2022-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have paid all child support in full and I have tried to dispute this with XXXX and Equifax and they both are not allowing me to dispute it. These accounts have been paid and they are settled and my credit report is not reflecting this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX, I am writing today to place a complete complaint against XXXX in the depart of XXXX gift card. My complaint is in detail below. 


Today my family received a XXXX gift card of XXXX dollars value from our case worker at the homeless shelter .I activated the card proceeded to take my family to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX at XXXX pm me and my family arrived at the restaurant and placed our order when then the card was declined. We double checked with the card balance and the activation everything was in place .We contacted customer service support and spoke to supervisor Tony with the employee ID # XXXX at XXXX. He proceeded to tell us that XXXX blocked the transaction due to fraudulent activity. There was nothing they could do to assist in the situation but send us out a new card with in 15- 20 days ..We stressed the severity of the situation many times and then the Supervisor XXXX went in to attempt to handle the situation but could not due to that is just how the system works ..As my family became extremely distressed with the situation of not being able to eat at the restaurant we resolved the issue with the restaurant with the order placed. Then went on to head back to the XXXX XXXX  where we reside XXXX XXXX XXXX XXXX  center XXXX XXXX XXXX, XXXX, TX XXXX where we missed meal call was not able to obtain any other means of food for my family at that time or we would not have been able to get back into the center to sleep passed curfew.. Leaving a family that has two children who are already currently facing many other issues at this time to have to go to bed hungry.. This use can not simply be resolved with just another card due to there is no address to mail the card to our family and in the current state of our families living situation among our children and all this has been nothing but a critical situation that has taken a toll on everyone emotionally at this time.. Me being the mother of this family already suffering for a severe XXXX this has brought me to an extreme place of distress as I lay down tonight. I would like to file this complaint to the fullest extent due to the following The fraudulent activity hold was improperly imposed and took a toll on myself and my family in a major way. 
Leaving me hungry and very upset beyond what one can take at this time. 
The shame and embarrassment that our family had to endure due to this improper imposed fraudulent activity hold without first consulting with the card holder.. 
Thank you for your time.. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America Cash Rewards credit card was open in XXXX. Reward Terms are : At the time of redeem cash reward. If client is in the Preferred Rewards Program client can have XXXX XXXX XXXX XXXX add-on bonus which is true at XX/XX/XXXX I did redeem {$640.00} and got total of {$960.00} ( with extra XXXX XXXX add-on ) deposit in to my checking account. I have exit the Program on XX/XX/XXXX due to the terms are client only need to be enrolled at the time of redeem. I have called BOA on XX/XX/XXXX and got confirmation with BOA representative the cash reward redeem terms has not changed. Therefore I moved my funds ( $ XXXX ) back in to BOA account to enroll. On XX/XX/XXXX I try to redeem my reward. Talk to XXXX different representative. All of them told me no reward terms has been changed but now XXXX XXXX extra bonus is add on to each transaction. I told them that's not what I have sign up for. Also on XX/XX/XXXX the last representative have told me I'm qualified but somehow was not enrolled in the program very sorry about that. She will enroll me right away so I can receive XXXX XXXX add-on on every transaction moving forward. I ask what about my rewards bonus add-on from XX/XX/XXXX ( the last time I redeemed to now which is {$1200.00} ( XXXX XXXX  of base case reward of {$1600.00} ) she said there's nothing she can do. So a compliant was filled at XXXX XXXX XXXX on XX/XX/XXXX. XXXX  has given BOA XXXX day to solve this issue. XXXX XXXX XXXX XXXX XXXX XXXX team has got back to me on the XX/XX/XXXX ( the last day ) and email me the final letter and XX/XX/XXXX statement. The reply was no BOA cant give the add-on because a notice was sent with the XX/XX/XXXX ' statement. Which I have not received due to BOA has never sent to me at all back in XXXX. I feel BOA should honor their terms and give me my extra reward of {$1200.00} XX/XX/XXXX till now ( XXXX XXXX of reward on as of XX/XX/XXXX {$1600.00} ) due to XX/XX/XXXX I have gotten confirmation Reward Terms was not changed from BOA representative and notice of change of Reward Terms was never sent to me. 
I feel BOA is trying to cheat client by changing terms that are not properly inform to clients and confusing clients with their representative.

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 2022-02-12 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: MD

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  ( Original Creditor : 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 2022-02-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-12 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: MD

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX AUTO 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 2022-02-12 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: MD

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation