vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 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: NC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: NC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: NC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 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: MN

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXXXX/XX/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 2023-07-15 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: MN

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 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: TX

Complaint narrative:
I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion is a direct violation of the FDCPA and FCRA. I kindly urge you to take immediate action to delete and remove these accounts and information from my consumer report, as their presence violates multiple laws. Please ensure the prompt removal of these accounts and 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 2023-07-15 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: MN

Complaint narrative:
On XX/XX/XXXX  I demanded, verification as to the process used to verify an account showing up from XXXX. To date, the full detailed list of information requested, including any documentation from the original creditor has not been provided to me. As such, under fcra, section 611 ( a ) ( 6 ) and ( 7 ) I am requesting that you comply with the law and delete this item, since you have been unable to provide the required documentation. Please immediately delete this item and provide me with an updated credit report. I have attached proof that you received the method of verification request, as well as a copy of the letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Purchased a tractor, sent full payment to receiver, money was received from Bank of America. It was a total scam, I was informed that the original bank XXXX knew about this receiver and transfered funds to Bank or America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email promotional offer to apply for the American Express Business Gold card. It stated I was pre-approved for the card, and that I would receive a welcome bonus of XXXX reward points after spending {$10000.00} in the first 3 months. I previously had the card but closed it in good standing in XXXX, so I called to ensure the offer was still valid since I previously had a similar card in the past. 

I spoke to an agent in early XXXX to verify that I would still receive the welcome bonus, and they confirmed that I would. Ive had active accounts with Amex since XXXX, and the promotional email included my existing card number on the top of the email. This made me further believe that Amex knew it was offering me a welcome bonus to an existing customer, and knew I had the card in the past before sending me the promotional offer advertising the welcome bonus. ( See attached screenshot photos of the welcome offer email ) Only after I got confirmation from the agent that I would receive the bonus, did I apply for the card. Once I spent {$10000.00} within several weeks, I called to inquire about the welcome bonus offer. The agent stated that I did not qualify because I previously held the card in XXXX, and that customers could only receive the bonus once per lifetime. I shared that I called in advance of applying for the card, and that the agent informed me that I did in fact qualify. So they opened a case to investigate whether they could make the award. After opening 2 cases to investigate whether someone told me this information before I applied - no results were shared with me other than the decision that I did not qualify for the bonus. There is a {$290.00} annual fee for this card, and the welcome bonus was a major consideration before applying for the card. The welcome bonus has still not been awarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: TX

Complaint narrative:
I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion is a direct violation of the FDCPA and FCRA. I kindly urge you to take immediate action to delete and remove these accounts and information from my consumer report, as their presence violates multiple laws. Please ensure the prompt removal of these accounts and information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XX/XX/2023 I notified chime of 10 unauthorized debits totaling {$3300.00} from XX/XX/XXXX to XX/XX/2023, at the time being almost in shock I was connected with a very nice agent to help me through and file a transaction dispute for these charges, after explaining and verifying what transactions to include in the dispute I felt a little better and less stressed thinking chime was going to help me the agent submitted the dispute and a new debit card was on the way, not even XXXX hrs later I got a email from chimes investigation department stating the investigation into the 2 yes 2 not the 10 I requested but the 2 unauthorized transactions had been investigated and deemed correct and no credit or refund would be issued, I immediately contacted chime and explained the first agent made a mistake and only disputed 2 of the ten transactions that I asked to dispute and by doing so may have impacted the investigation, so a new dispute was filed on XX/XX/2023 for what I thought was for all the ten charges, not even 2 hours after filling the 2nd dispute I got a email from chimes investigation department stating that the dispute filed on XX/XX/2023 for XXXX unauthorized charges has been investigated and they deemed the charges are my doing and no refund or credit will be issued, I then contacted chime and asked for documentation that supports their decision and proves Im responsible for these charges which I requested on XX/XX/2023, it is now XX/XX/XXXX and chime being able to investigate 10 unauthorized charges and reach a decision within 1 hour still hasnt sent me any documentation, I then explained everything to the agent once again and asked to file a rebuttal which we did and once again the agent failed to explain the first mistake made by only disputing 2 of the charges then 8 just filled a plain normal rebuttal stating I didnt agree with the decision, one day later both rebuttals were investigated and denied by chime and Im told thats final no more will be investigated and no credit will be issued,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I submitted my paycheck of XXXX dollars to the Bank of America XXXX XXXX in XXXX, Colorado at XXXX XXXX XXXX, XXXX Colorado XXXX. 

I was informed Bank of America would have my paycheck from my employer the following day. Bank of America put a two week hold on my funds, my money and I cant access it until XX/XX/XXXX. 

I tried going to the financial center that morning to where the XXXX told me she said she couldnt guarantee there wouldnt be a hold which never happened, she never had said anything about a hold. 

Regardless, a regular hold is to be accepted yet a XXXX week hold, with the private consumers money is questionable. 

I tried calling their service, they told me they didnt know why the hold was there but many checks have been held. I spoke to management over the phone and the same thing. 

My XXXX  is suffering from XXXX and I have to find a way to see her in Oklahoma, as I live in Colorado. Bank of America is refusing to allow me access to my money that I deposited with no official reason. 

I am very concerned with this issue, that a private institution can hold someones money for two weeks without any legal reason.

Oh they also took the money from my bosss account already and then hold it. The money does not belong to Bank of America. 

Thank you so much for your time in reading my report XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Dear American Express, I am writing to express my frustration with the experience I have had as a result of your decision to cancel my card. As an authorized user on the card, I was made aware of the requirement to submit my SSN within 60 days in order to keep my privileges. I completed this requirement and received confirmation from American Express.

Despite this, I have been declined credit when attempting to apply for a credit card with American Express. This is extremely frustrating and makes me feel discriminated against, especially considering my track record of good credit with no late payments, collections, or high balances. 

I believe it is unfair to extend such treatment to a customer who has not only complied with the requirements but also has an excellent credit record. I urge you to reconsider your decision and allow me to utilize the services offered by American Express. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion is a direct violation of the FDCPA and FCRA. I kindly urge you to take immediate action to delete and remove these accounts and information from my consumer report, as their presence violates multiple laws. Please ensure the prompt removal of these accounts and 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 2023-07-15 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
When I make an online payment to my credit card, there is absolutely no indiction anywhere in my account that there is a pending payment, so I have made two payments a number of times, indavertantly. I have complained to the company and they have not fixed the issue. They have re-vamped their website, and if I apply for any type of loan, the pending application is immediatley shown at the top of the screen. So its not that they can not show a pending payment, they are choosing not to show pending payments. All my other credit accounts clearly show " pending payments ''. What PEN FED is doing is misleading consumers about their payments so they make double payments, which are then non refundable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Central loan servicing was reporting the impossible. they reported my mortgage payments on time, then the next month they reported me 90 days late ( you go from on time to 90 days late in one month? ) the the following month on time again. But instead of them correcting the 90 day late or removing the account all together they post 'NO DATA ' before and after the 90 day late. so now the account shows that it is possible that I was 90 days late which I wasn't. I HAVE A RIGHT UNDER THE FCRA TO HAVE AN ACCURATE CREDIT REPORT!!. THIS IS obviously credit rep [ orting to cover their butts. all of the sudden there is " no data '' before and after the 90 day error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
For XXXX payment, mortgage company pulled from wrong account, tried to call and resolve, was told to send certified check. Sent certified check via XXXX with insurance and signature, mailroom of Amerihome received on XX/XX/XXXX. XXXX still has not cleared as of XX/XX/2023, with letters of late payment, reporting late payment on mine and my husband 's credit report. Called multiple times to resolve and payment still has not been cleared, transferred to multiple supervisors, given false email address to send in proof of payment. Given different ways to " resolve '' the issue, unable to make online payment for XXXX despite supervisor telling me I can make the payment after XX/XX/XXXX online due to their mistake for XXXX payment and having to pay {$130.00} extra for overnight and insurance fees for certified check. We have never missed a payment and a new mortgage company is taking over our loan, we need this resolved and clear our credit of late payment.

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