vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I have used my credit card when I was in a line with XXXX XXXX XXXX but later moved to another line with XXXX XXXX XXXX but my card was not removed from the Old line. Even I have asked the persons in the old line to remove my card. Even after lot of calls and messages with the persons in the old line they have not removed my card. So, I have changed my card to stop the recurring payments from XXXX XXXX XXXX. I have also called my credit card customer service which is AMEX and asked them to block my card for further transactions for XXXX XXXX XXXX and they blocked the card for those Transactions on XX/XX/2023. I have even asked the AMEX to resolve this problem. I have not used that transaction and raised dispute with AMEX with that transaction which happened on XX/XX/2023. After blocking the card the customer service agent said that further transactions will not be happened because it is blocked. 
Later in the month of may also I have reconfirmed about the recurring payment block by contacting AMEX and they said as it is blocked no further transaction will be happened with XXXX XXXX XXXX. 
Even I have tried to contact XXXX XXXX XXXX about the transactions on my card which I have not used from my side. They are not giving a perfect resolution for my problem. 

Again on XX/XX/2023 there was again a transaction happened on my card which I have not even used. I have again tried contacting both XXXX XXXX XXXX and AMEX but they not giving any resolution for the problem. 
If I call XXXX XXXX XXXX about the problem they are asking to contact the credit card company to do something about my issue. And If I call AMEX they are saying to contact XXXX XXXX XXXX about the issue. 
The transaction is {$180.00} and some cents on the month of XXXX XXXX and {$180.00} and some cents on the month of XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I was instructed by my case manager at XXXX XXXX XXXX to submit a complain here because I was scammed in XXXX and it has been difficult for them to get a solution from the scammer 's bank. I was scammed by a guy called XXXX XXXX. At that time, I didn't know him but he kept talking to me until he got my trust. After 4 months he asked me if I could store his belongings at my place for a period of time until he gets out of the military which I accepted. After three days a company, named XXXX XXXX XXXX, contacted me to verify my information and after a couple of days they asked me to send them money to pay for XXXX ' belongings which I declined at first because I only had to receive the items. I was threatened several times and they said that if I don't make the payment I will get in trouble with the authorities ( FBI ) because there is " money '' in the box XXXX XXXX sent. I was so confused and I didn't know what to do and because I didn't want to get in trouble with the authorities, I ended up paying the money. Since then, they came up with stories which, I believed, and I paid more money ( Wire transfers & via crypto ) until I put a stop on this on XX/XX/XXXX. I reported this to the local police and also, I contacted and paid a private company to investigate them. Come to find out they don't exist and they are scammers from XXXX. I believe they work with other XXXX here located in the US because the bank account I sent money to has a XXXX name and also when I called and answered the phone I could hear his XXXX accent. The private company contacted XXXX XXXX XXXX  and they are assisting me in my case as well. XXXX XXXX XXXX  contacted a lawyer they work with and the lawyer wrote a letter to Bank Of America on my behalf. Please find attached the letter, the police report, and the private company 's report about their findings during their investigation. Also, I'm attaching the wire transfer that I sent to the scammer or the one helping the scammer out and other documents for your review. 

If you need more information, please do not hesitate to contact me for further details.

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 2023-05-22 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: RI

Complaint narrative:
Upon joining a credit monitoring service today I noticed inquiries were made from someone other than myself attempting to apply for a product at XXXX XXXX  XXXX XXXX XXXX XXXX in my name. I contacted the Federal Trade Commission & was directed to file an identity theft report about this 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 non-monetary relief
Consumer complaint received 2023-05-22 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: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I am a victim of identity theft. According to US Code Title 15 - Commerce and Trade, Chapter 41- Consumer Credit Protection - Subchapter III - Credit Reporting Agencies . You are required to remove this information from my credit report within 4 days. If this information is not removed, I will escalate this to the Federal Trade Commission. See attached US CODE : Also under US Code : 15 U.S.C. 1681i ( 2021 ) : Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


This code was not met as well, please have each reseller provide proof of receipt or these items MUST be removed immediately. Original dispute did not meet FCRA and US CODE Title 15 U.S.C. 1681i rule for timeline. 

TransUnion Complaint ID : XXXX XXXX Complaint ID : XXXX By LAW and the Fair Credit Reporting Act, these items must be removed from my credit file. I need this fraudulent information removed from my credit report within 4 business days. ADDITIONALLY, original complaint IDs were not responded to in accordance to US CODE and the FCRA timeframe. 


FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I am a victim of identity theft. According to US Code Title 15 - Commerce and Trade, Chapter 41- Consumer Credit Protection - Subchapter III - Credit Reporting Agencies . You are required to remove this information from my credit report within 4 days. If this information is not removed, I will escalate this to the Federal Trade Commission. See attached US CODE : Also under US Code : 15 U.S.C. 1681i ( 2021 ) : Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


This code was not met as well, please have each reseller provide proof of receipt or these items MUST be removed immediately. Original dispute did not meet FCRA and US CODE Title 15 U.S.C. 1681i rule for timeline. 

XXXX Complaint ID : XXXX Equifax Complaint ID : XXXX By LAW and the Fair Credit Reporting Act, these items must be removed from my credit file. I need this fraudulent information removed from my credit report within 4 business days. ADDITIONALLY, original complaint IDs were not responded to in accordance to US CODE and the FCRA timeframe. 


FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-05-22 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: MI

Complaint narrative:
I mailed certified letters in XXXX and in XXXX of 2023 to all XXXX credit bureaus to update or remove inaccurate information off my credit report. The creditors just verified the accounts. Law requires that they report accurate information on my credit report. The information is not accurate at all. They are reporting different information on different credit bureaus, and not updating or deleting the inaccurate information. It is so frustrating how they can just say the account is verified and not fix the errors all on my credit report. I feel like the credit bureaus are teamed with the creditors on my account and just hoping that I will go away and forget about the errors. I was told that I can come to you ( CFPB ) to get the credit bureaus to do what is right in this 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 non-monetary relief
Consumer complaint received 2023-05-22 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: MI

Complaint narrative:
I mailed certified letters in XXXX and in XXXX of 2023 to all 3 credit bureaus to update or remove inaccurate information off my credit report. The creditors just verified the accounts. Law requires that they report accurate information on my credit report. The information is not accurate at all. They are reporting different information on different credit bureaus, and not updating or deleting the inaccurate information. It is so frustrating how they can just say the account is verified and not fix the errors all on my credit report. I feel like the credit bureaus are teamed with the creditors on my account and just hoping that I will go away and forget about the errors. I was told that I can come to you ( CFPB ) to get the credit bureaus to do what is right in this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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:
Experian is reporting wrong address I have never lived at and when I try to dispute, they want to allow me to. they want to tell you who the information came from. But the information on the address is completely wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: FIRST HAWAIIAN, INC.
State: NV

Complaint narrative:
I paid off my Car Loan with First Hawaiian Bank on XX/XX/23 and was told that my credit should update at the end of XXXX because it usually takes a month now it's almost end of XXXX and my credit report is still showing that my loan is open and owing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : SECURITY FIN Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-05-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : SECURITY FIN Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-05-22 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: EQUIFAX, INC.
State: MS

Complaint narrative:
TO WHOM IT MAY CONCERN : I XXXX XXXX DID NOT AUTHORIZE THESE INQUIRIES THAT IS REPORTING ON MY CREDIT REPORT AND IM ASKING THAT THESE INQUIRIES BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY DUE TO XXXXTHE FAIR CREDIT REPORTING ACT, 15 U.S.C . 1681bXXXX ... ..THANK YOU XXXX FINANCIAL- XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have been approved for Georgia HAF program and they sent the ACH payment to my mortgage company, US Bank on XX/XX/23. US Bank received all the funds on XXXX to reinstate my mortgage ( {$11000.00} ) plus 3 months of future mortgage payments ( {$4500.00} ) for a total payment of ( {$16000.00} ). They still have NOT applied the funds to my mortgage account to reinstate it. There is a foreclosure sale date of XX/XX/23 and I still have no concrete answer from US Bank on when they're going to post the funds to my mortgage account so the sale date can be canceled. They have not even sent me a letter in the mail with info on the status of the foreclosure since they have the money. No one is giving me concrete firm dates on when I can expect the funds from the HAF program to be posted.

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 2023-05-22 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
credit card company is Genesis FS Card Services XXXX XXXX XXXX XXXX XXXX XXXX, first card payment, i enrolled and payed on time using my bank institute which normally takes 2-3 business day, wrong it take them 1.5 weeks to process payment then was XXXXXXXX XXXX  charges returned fee charges late fee charges and because FS takes to long in processing. i explain that i have lots of movement in my checking account and if there is a way to pay more rapidly, the gave me a XXXX number which is noted above, same thing i pay and it get process late this card does not operate like other, this milestone acct does not accept debit card payment over the phone or online. its so difficult wo pay on time when they take 1 week and a half to note the account by than its already late i cant imagine how many others are experience the same as i do. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
So I called citi bank in regards to application for the aadvantage platinum card to c if I can get the sign up bonus and they checked my account and they I am able to get it I applied for the card met the spending requirement and then they said no your not and we are sorry the agent informed you otherwise No 1 was willing to help me at all

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 2023-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The creditor is still reflecting the balance owed for this account. Please remove.

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