vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX. 

You Deleted the item from my report, and then you allowed the company to report it again which is a violation of the FCRA, to prevent legal action please promptly remove the item from my credit report as it was before the item was deleted and I have records of that including but not limited to the letters of communication sent to you that resulted in the deletion of that item from my credit report. 


The item is fraud and resulted from identity theft And was deleted due to those circumstances and the investigation proves that correct. You must delete the information promptly to avoid the penalties of violating the FCRA. 


Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am on a repayment plan agreement and the company ( XXXX XXXX  XXXX ) continues to report my account as negative to the credit bureau even though I have complied with the terms. When the company offered me the repayment plan after coming off of a special program that I qualified for due to Covid, they reported my credit as 120 days late even though I complied with the terms and is continuing to report my credit as 30 days late each month even though I continue to comply with the terms of the signed agreement. This deceptive practice was not explained to me before I entered this agreement. Why would you say that youre trying to help me when youre trying to ruin me at the same time.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have been working to correct my credit report for over 6 months now. Transunion is missing the records to my XXXX XXXX credit card ( my one and only credit card and oldest form of credit ). Transunion has repeatedly told me that XXXX XXXX needs to send them the information. XXXX XXXX has confirmed that they've sent the information on many occasions. Transunion has no record of anything still. After around XXXX calls with both companies I am in the same spot. Both companies blame the other and say that there is nothing I can do until XXXX XXXX sends the correct info and Transunion updates my file. I'm certain that XXXX XXXX has sent the information as I've been working with a case manager for months. Transunion has provided little to no help, will not assign a case XXXX, and has provided wrong/misleading information numerous times. Nobody is accountable there. This error is having a large impact on my life. I have no faith that this issue will be resolved. It's already been 6 months. I'm being told it will eventually be fixed if XXXX XXXX continuously resends the information. I have no idea if this is accurate or if I'll be in the same place another 6 months from now. Transunion is the only credit bureau missing my 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 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MECHANICS BANK
State: CA

Complaint narrative:
on XX/XX/XXXX  my card information was leaked and i had about {$2600.00} taken out and all the items were purchased in my city and at places ive never shopped at before so i decided to make a dispute and after about 2 weeks i got a letter saying there was no error and that i authorized the transactions so they denied my dispute and i have no idea what to do thats not a just a little bit of money to lose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc.
State: TX

Complaint narrative:
The debt collector called me on XX/XX/23 and said this was a " financial matter '' I told him I was not interested and hung up the phone. He called me again on XX/XX/23 and said this was a financial matter. I said I was not interested in buying anything. He said he wasn't selling anything and he worked for XXXX and wanted to collect on a debt I owed. I explained that I know you are a third-party debt collection agency and you don't actually work for XXXX, and besides, the debt I allegedly owed was already handled by my insurance company. He did not give any disclaimers that this call was an attempt to collect a debt. He misrepresented himself as working for XXXX when in fact he works for a XXXX party collection.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Had a company raise the monthly fee without notice. No letter, no email, no phone call. I cancelled immediatly and they refused to give me the prorated. The space was supposed to be climate controlled yet no matter how much I brought it up, it was consitently over XXXX degrees with XXXX humidty. Opened up a dispute after they were making it difficult to get it fixed. XXXX, after months of being closed magically reopened with documention from the merchant that were out right lies. Claiming they were late fees without proof of such. Claiming they tried to contact me which they never did. I sent them proof of the payment should be. A chat log saying I should receive a refund in 48 hours.It should be a cut and dry case. Yet american express is a scam, and they exist only to waste your time and not protect the user.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has decided not to remove fraud and incorrect information from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am unable to access my account at Experian and thus unable to unfreeze my credit score. Their system is not accepting my user ID. I have escalated to a manager at Experian customer support, and she was not able to fix the problem. She has escalated internally and they say they are going to look into it, but will not give guidance on how long it will take. Meanwhile, I can not access my Experian account

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 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX payment made with check XXXX, money order XXXX, only got XXXX paid on my account, only XXXX of a XXXX money order was applied to my acct.therefore XXXX of my payment is owed me by citibank at this time.In XXXX I paid XXXX by check, the statement in XXXX was XXXX balance .So I have paid XXXX at this point and should be more than paid up on this acct. at this time and so far they have yet to fix my acct.I haven't heard from them since I faxed my documentation to then on XXXXbefore I faxed said docs.I sent them via snail mail and also on line they kept telling me they didn't get them, I did that three times, before I finally paid to fax them.all I want is credit for the money I have paid.I will send you my docs.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I applied for a credit card ( Navy Federal Flagship card ) and a personal loan for {$50000.00} on XXXX and I was denied. I utilized the message center requesting that my application be retracted to me since I'm being denied credit. I was told they're unable to do so. No matter the reason for my denial I have the right to credit as a consumer. Withholding my access to my securities is considered security fraud. I then called in XXXX  XXXX requesting an official adverse action on my denial and I was told they're unable to give me one. They sent me a statement of denial in the mail but it doesn't meet the requirements of an adverse action under 15 USC 1681m.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/2023, I purchased a comprehensive " move-out cleaning '' package for my apartment and paid for the purchase using my Apple Card. Shortly after the job was " finished '' I inspected the quality of the service, and more than XXXX of the apartment was NOT cleaned or even touched. Immediately I contacted the company ( XXXX XXXX ) about my dissatisfaction, but they refused to offer monetary compensation. Following this, I initiated a dispute with Apple Card/Goldman Sach 's whom did not perform a thorough investigation into the matter.

I have several photos of the unclean apartment and eye witnesses including the landlord of the complex which can testify about the condition of the apartment. Unfortunately, it looks like Goldman did not look at the facts objectively given there is an overwhelming amount of material suggesting the apartment was not in fact cleaned to a reasonable satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a XXXX yr old vet whose memory is shot During this Summer had issues with Bank of America as to my balances Some during the summer it sent me approximately XXXX which it owed there after a supervisor in the XXXX XXXX advised that I was entitled to XXXX more which woud be sent by the end of XXXX havent seen the money Ive called various time and was told that check is going out in a few days still nothing my last call I actually spoke to a supervisor she looked at my file and because I wasnt able supply her with the numbers of the cards because I had many different card I said that I spoke to someone from the day before saw that I was in tiled to the XXXX I asked to speak to person I spoke to and listen to the conversation so that she can see that I am indeed entitled to the XXXX the supervisor said she will cal me back the next Which is more than a week The reality is that the bank owes me XXXX and is doing all in its power to XXXX a XXXX yr of veteran who has memor issues I told the supervisor to call XXXX in XXXX XXXXXXXX XXXX  who was the one to tell me Im owed XXXX if thi agency really wants to take the initiative call XXXX in XXXX XXXX and listen to all of the calls between and me or the other calls between me and the other service people

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 2023-11-21 00:00:00
Product: Credit reporting 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: FL

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. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX XXXX, I visited the Capital One branch in XXXX VA. I am a longtime Capital one account holder. My father XXXX XXXX XXXX a few weeks ago, and I just received the life insurance policy check from XXXX. I went into the branch and spoke with a teller who deposited the life insurance check into my checking account ending XXXX, and was told half of the funds would be available tomorrow, and the other half available in a week. 

I just received an email that the entire amount of the life insurance policy check deposit is on hold until XX/XX/XXXX with no reason being given. I called in to Capital One customer service and they were not willing to give me any information on why my check deposit is being held for two full months. 

My dad XXXX. I need his life insurance money to help pay for his funeral. I even went to the trouble of depositing the check via a teller vs. ATM to ensure that there werent issues, and the teller assured me everything would be fine. I now can not access the funds from the check deposit for two full months for no reason.

Company response to consumer: Closed with explanation