vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 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: OK

Complaint narrative:
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of XXXX  you all are causing me. I've been in hospital twice XXXX  over this. It's not fair and federal laws are being broken at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: OK

Complaint narrative:
I XXXX XXXX of Oklahoma do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. To describe what happened, I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.

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 2022-01-29 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: FL

Complaint narrative:
i have been disputing inaccurate information with experian, XXXX, and XXXX  over the last six months and yet the same errors appear on my credit report. every time i dispute these unverifiable accounts, i either get an " updated '' response and nothing changes. 

EXPERIAN DEPT OF EDUCATION is falsely reporting XXXX, 150 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX is reporting inaccurate personal information. delete this from my credit report. 

XXXX XXXX XXXX XXXX XXXX is reporting false late payments and missing payment history for the entire account. also reporting differently to experian. 

DEPT OF EDXXXX is falsely reporting XXXX, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX XXXXs reporting inaccurate personal information and false payment history that's unverifiable. delete this from my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX is falsely reporting XXXX, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

i have attached proof from www.annualcreditreport.com for further review.

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 2022-01-29 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: OK

Complaint narrative:
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Experian to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Experian at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.I 've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.

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 2022-01-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One, I purchased a multi colored XXXX jacket about from an store located in XXXX XXXX, CA however when I got home I have notice the thread is coming off. A day later I drove back to the store which is about 100 miles away from my home and told the sales clerk I wanted to return the defective jacket. Unfortunately, the sales clerk I originally purchased it from never gave me the receipt but I have the tags if that helped. She refused to return the jacket and stated that there is nothing she could do. I offered to show her a copy of my credit card pending transaction but she still refused. I would like to return it but dont live close. I have called and sent numerous emails to this company but they are ignoring me or offering any sort of solution. I dont feel like its fair I spent money on a jacket thats defective. I contacted XXXX via XXXX corporate office and they advised to dispute the transaction. Im asking the company to send me a pre paid shipping label so that I can send the defective jacket back. Please issue a refund back to my original method of payment. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear CFPB, This letter is to inform you that Citibank Credit Card Company is engaging in unfair, deceptive, and predatory credit card practice. Predatory is lending that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions that is misleading that a borrower cant afford and places them further into debt and fees. 

On XX/XX/2022 I called Citibank Credit cards to ask about better credit cards terms. I had a credit card limit of approximate {$12000.00}. I had been trying to diligently pay down over the last year or so. I had a balance due of XXXX with a high interest rate. My payment has always been on time. 

When I called I wanted to see if there are more favorable terms then their very high interest rate. I saw various advertisements from Citicards for zero percent interest for 12 months and related offers. 
The representative stated that the only program that I can be offered was my balance of XXXX due was a zero percent interest for 12 months. They would move the balance funds into my checking account with the zero percent interest. 
Undisclosed to me they doubled the used credit balance utilization of the card to almost its limit of approximate {$12000.00}. This dramatically doubled and drastically increased my credit card usage limit and significantly dropped my credit score, as of XX/XX/XXXX, without making any purchases. 



Sincerely, 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 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a checking account that I share with my fiance in both our names and he has an account that is just in his name. On XXXX  XX/XX/2022 we received 3 {$2.00} checks from a XXXX XXXX settlement. They were in the names of my children. We took pictures of the checks and deposited them into the account that was in my fiancs name. I was supposed to receive my unemployment check direct deposited into the account I share with my fianc on XXXX  XX/XX/XXXX. It never came. When it wasnt in the account the next day, I called chase to find out why. They said both of our accounts were frozen because of those 2. {$2.00} checks. They were 3rd party. After explaining that they were my children, they said that we had to bring their social security cards and birth certificates into the branch and they would have to fax them in. We did that the same day. As of today, our accounts are still frozen. Nobody seems to be able to help us. They say the branch never faxed the documents over and the branch says they did. I still cant use either account and unemployment says my check was rejected and sent back to them so I still havent received my money. We are suffering a lot because of all this and nobody wants to help. All this because of a total of {$8.00} worth of checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: CA

Complaint narrative:
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. Not to mention that My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.

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 2022-01-29 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: IL

Complaint narrative:
You violated the united states code law 15 U.S. Code 1681b -Permissible purposes of consumer reports ( b ) Conditions for furnishing and using reports for employment purposes.

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 2022-01-29 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: CA

Complaint narrative:
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My XXXX Dispute was mailed XX/XX/2021 and XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. Not to mention that My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: IL

Complaint narrative:
You violated the united states code law 15 U.S. Code 1681b -Permissible purposes of consumer reports ( b ) Conditions for furnishing and using reports for employment purposes.

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 2022-01-29 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: CA

Complaint narrative:
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Experian to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Experian at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. Not to mention that My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.

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 2022-01-29 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Early Warning to have inaccurate items removed from my consumer report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Early Warning at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I opened an checking account with bank TCF bank on date XX/XX/2021 with account balance of {$500.00}. 
In XX/XX/2021 we have deposited {$3700.00} into the checking account. There was no activity on the account transactions. 
We came to know this bank is acquired by new bank with name Huntington in XX/XX/2021. We were supposed to get a debit card from Huntington Bank with the available previous balance of {$4200.00}. 
Now we are being told that an amount of {$4200.00} on XXXX. We did not with withdraw any amount in any fashion of online or offline transaction. Still we are waiting for the account and debit card details from the new bank ( Huntington ) checking account. 

We have reached out to TCF bank representatives and were told that the balance in the checking account was {$0.00} and were not able to transfer the account to the new bank Huntington. 

We want to dispute this transaction of withdrawal of {$4200.00} on XX/XX/2021 and want this checking account ending with XXXX to be transferred to new bank Huntington with available balance of {$4200.00}. 

Now after promised 2 weeks of providing us with a right information regarding the transaction by TCF bank, they have failed to provide any information or any kind of help on the basis of customer/consumer satisfaction. I would like to take this to legal incase of any delay or help provided by TCF and Huntington Banks is not satisfactory as per the United States of America consumer law. 


With Regards, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My 'credit score ' dropped again today, XXXX points. I receive regular emails from Experian Credit Bureau and today I received an email from Experian alerting me that my credit scores increased. I login, to my Experian account only to be disappointed again, that my score had been decreased XXXX points. There was never any increase today, according to the email sent to me, from Experian, alerting me my scores had increased. As I reviewed my report, to figure out why my scores decreased, there was no explanation. Every time my score get into the XXXX 's, my score drops below XXXX. This has been going-on for the past year ( s ), without fail and no real legit reason, why. 

I would like the 'cfpb ' to review my credit report history to see there has not been any recent negative activity on my 'credit reports ', ( also happening with XXXX ) XXXX I'm told to use my credit cards to increase my credit scores, by realtor 's. I have a credit card with XXXX XXXX that suggest I use my card as much as possible, not to exceed a certain percentage or {$500.00} before the bill is due. Since having this card I've paid my bill on time, long before the bill is due, without fail. Do you know they increased by score, ( XXXX ), XXXX point last month... that is an insult and no appreciation for on-time payments, to the customer, me. 

I've attached my recent Experian report an a screen shot of my fake email sent to me today. I'm requesting reasons for the roller coaster ride I'm on with these credit reporting companies.

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 2022-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
A credit check is nothing but verification of the identify of an applicant. That's it. 

These financial intuitions receive your information given via application and then, if accepted, they inform you of the acceptance of the application and your credit amount. No " money '' is given - only information is exchanged. It's just like a 1031 exchange under 26 USC 1031, their privacy policies are most likely elections to not be treated as a partnership with applicants under 26 usc 761, and it is all XXXX. 
It's also looking like the need for verification exists because all of this is a taxable exchange but I don't think many people file ( such as a 1099-NEC for example ) hence why quite a few people have XXXX up credit reports. 

Anyway, my application for credit was denied based on information contained in my credit report which, again, I believe is only acquired to verify my identity.

Company response to consumer: Closed with explanation