vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been trying to resolve these issues since XXXX until now XX/XX/XXXX with no real response to how did they verify the accounts and no change. I wrote to the United States Bankruptcy Courts on XX/XX/XXXX and they responded back that they do not report cases to credit agencies. I also wrote to XXXX several times and they have resolved and removed the Bankruptcy reporting off my report. I sent the proof to all of the credit agencies : XXXX, Equifax and XXXX and they are stating validated, I have sent at least 3 letters and twice by certified mail. In the letters I asking how did they verify the accounts and please send me a copy of my credit report and I received no answer nor a no letter, just an email from XXXX, with Validated. This is unacceptable, unprofessional and very irresponsible on they're behalf with the timeframe of 30-45 days and no letters with the answers and they are not even answering my questions. I need them to revisit the investigation, research, review and advise me with 30 days how did they verify this information and if they can not in writing Remove the items IMMEDIATELY from all credit reports and send me a updated credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying to resolve these issues since XXXX until now XX/XX/XXXX with no real response to how did they verify the accounts and no change. I wrote to the United States Bankruptcy Courts on XX/XX/XXXX and they responded back that they do not report cases to credit agencies. I also wrote to XXXX several times and they have resolved and removed the Bankruptcy reporting off my report. I sent the proof to all of the credit agencies : XXXX, XXXX and Experian and they are stating validated, I have sent at least 3 letters and twice by certified mail. In the letters I asking how did they verify the accounts and please send me a copy of my credit report and I received no answer nor a no letter, just an email from XXXX, with Validated. This is unacceptable, unprofessional and very irresponsible on they're behalf with the timeframe of 30-45 days and no letters with the answers and they are not even answering my questions. I need them to revisit the investigation, research, review and advise me with 30 days how did they verify this information and if they can not in writing Remove the items IMMEDIATELY from all credit reports and send me a updated credit report. Thank you.

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 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Im not receiving the reset email so I cant change my password Im locked out of my account they also canceled my debit card, this is going on XXXX days and its not fixed. A password is something that should be an easy fix and this is ridiculous, I also noticed my balance was around {$800.00} then went down to {$500.00} -and I have no idea why. They are saying I spent the money and I didnt. I received XXXX text messages from saying I made a change and it wasnt from me. I dont have access to my money and they cant reset a simple password.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
In XXXX NATIONAL CREDIT SYSTEMS INC. called and harassed me stating that I owed a debt, violating my consumer rights. I have never entered a consumer transaction with NATIONAL CREDIT SYSTEMS INC., and I have no idea how they have acquired my credit card ( ssc ), therefore has committed identity theft, by law. I have disputed this account over XXXX dozen times with all credit bureaus, once the validation of debt with my wet ink signature was requested. The bureaus noticed they had no substantial validation of proof. NATIONAL CREDIT SYSTEMS INC. sent a contract that did not have their information on it and also the contract did not have my signature anywhere on the document. This is what they have been damaging my credit reputation with, a unsigned document from a company that I have never given my credit card, nor permission to furnish my credit report. All bureaus except for XXXX has removed this fraudulent account. When I reached out to the company for remedy they would put me on hold and Hang up whenever I asked them about phishing for my information, or my information being sold to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am including a letter of explanation as to the many credit irregularties on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit reporting agencies do not provide credit scores for free, nor will they provide all of your credit scores. This is harmful to consumers. Credit reporting agencies should be required to provide ALL credit scores they provide to creditors, lenders, insurance companies, etc., and explain the differences between those scores. Why in this day and age has XXXX not passed a law that allows consumers to have immediate, and always available access to not just their credit reports, which they can only get for free once per year, but also access to ALL of the credit scores that a credit reporting agency will generate for use by their paying creditors. Credit reporting agencies make the vast majority of their profits from creditors who request credit scores and reports on consumers, so stop making consumers have to pay for this information and make it always available and make ALL information available, not just a credit report. Scores are what matters, and consumers should be able to know each and every score that a credit reporting agency maintains about them, and they should be able to get this information at no cost, and on an immediate basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: TX

Complaint narrative:
Credit reporting agencies do not provide credit scores for free, nor will they provide all of your credit scores. This is harmful to consumers. Credit reporting agencies should be required to provide ALL credit scores they provide to creditors, lenders, insurance companies, etc., and explain the differences between those scores. Why in this day and age has XXXX not passed a law that allows consumers to have immediate, and always available access to not just their credit reports, which they can only get for free once per year, but also access to ALL of the credit scores that a credit reporting agency will generate for use by their paying creditors. Credit reporting agencies make the vast majority of their profits from creditors who request credit scores and reports on consumers, so stop making consumers have to pay for this information and make it always available and make ALL information available, not just a credit report. Scores are what matters, and consumers should be able to know each and every score that a credit reporting agency maintains about them, and they should be able to get this information at no cost, and on an immediate basis.

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 2022-08-29 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: KY

Complaint narrative:
I mailed a letter to Experian on XX/XX/2022 asking that they remove all of the incorrect and inaccurate addresses listed on my credit report because I am afraid that I'm susceptible to identity theft and fraud! They did NOT remove all of the incorrect addresses off of my credit report! According to the FCRA, my credit report must be 100 percent accurate and verifiable. And consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. I only have ONE address, but Experian has kept all other incorrect and inaccurate addresses on my report after I already asked them to remove them! I even verified my address by sending them a copy of my license and verifiable utility bill! Experian is in TOTAL violation of my rights to accurate credit reporting!

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 2022-08-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX Ive done 2 disputes with the credit bureau and waited 30 days each time for results. No results were given and even after disputing with the cfpd I was told I will get a response in 60 days. By law under XXXX Federal Fair Credit Act .I am to get a response with in 30 days of the date I sent the letter to the bureau for investigation. They company only had 30 days to prove any accuracy or remove entirely from my report. If these laws are violated i due monetary compensation of {$1000.00} per item They are also in violation of Fair and Accurate Credit Transaction Act of 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 2022-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I started the process of filing for a Home Equity Loan with Bank of America on XX/XX/2022. At the time, their website and all information provided to me indicated that they would assign a processor to my application within 7-10 business days. Based on this, I signed the required disclosures, formally submitted my application and the process began. Bank of America made a hard inquiry on my credit report. Today, XX/XX/2022, I called Bank of America to follow-up on some forms that they sent me in the mail as I had questions on how to fill them out. It was at that time that it would actually take up to 8 weeks to assign someone to process my application. That is too long of a time frame for me. Had they been up front about this timeline, I would not have chosen them. However, since they have already made a hard inquiry on my credit report, I am kind of locked in with them. Other lenders actually made note of the hard inquiry on my credit report and they reached out to me asking if they could meet my home equity needs. However, since I already had a hard inquiry on my credit report from Bank of America, any further hard inquiries would diminish my ability to obtain a home equity loan, so I declined the other offers while I waited on Bank of America. 
Being told it will take 7-10 days in order to get someone to submit an application, locking them into the process, and then later telling them it will actually take 8 weeks is deceptive. It's bait and switch. I have a deadline I am working under for home improvements and 8 weeks is too long.

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 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are many issues with my credit report as descibed in the attached 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 non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened an account online with Citibank on XX/XX/22 before I even received the banking documents/card in the mail the account had been compromised. On XX/XX/22 someone credited by account for 2 minimal transactions totaling XXXX cents. The following day a debit was made for XXXX  ( which i have since learned is cryptocurrency ). Over the next five days numerous transactions kept getting debited for XXXX  in escalating amounts, which Citibank allowed and didnt think was a red flag! The total amount fraudulently is {$3400.00}. I then received a letter advising my account was closed so I went into the local brank located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to find out what was going on ( as at time I had no knowledge of any account activity ). A banker assisted me in opening a case. I was provided case # XXXX. Further, I was also told an investigation would be opened at that I need to contact the local police and credit card bureau, which I did. I also have notified the FTC and the Internet Crime Complaint Center. Additionally, I attempted to reach out to XXXX however they dont have live help an can only notify them online which I did. To date I have yet to receive the fraudulently taken funds which Citibank allowed on this account. I have reached out NUMEROUS TIMES via in person and on the phone and have a long trail of same and keep getting passed in a circle of abyss where no one can help me ( the branch will refer me to the fraud dept, the fraud dept refers me to the Account Takeover Dept who then refers me bank to the branch and all are utterly useless and have no clue or flat out lie! ). Today was the final straw. After spending an 1.5 hours on the phone ( for the 4th day ) I was told to go into a branch and hung up on when I asked for a supervisor concerning status. I then went into the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was rudely advised by manager, XXXX XXXX XXXX XXXX XXXX ( who would not provide me with her business card ) that there is no investigation, there never will be and they dont have to do anything, tell me anything or refund me my money! If I dont like it sue them! She further would not give me any contact information for anyone that could assist or of corporate.

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 2022-08-29 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: OneMain Finance Corporation
State: TX

Complaint narrative:
There are six of them for each date of inquire on my credit report from OneMain Financial. They refused to remove it during XXXX of the month. 

Action activity : XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB + XXXX XXXX + Equifax, On the attached letter dated XX/XX/2022 from XXXX XXXX it clearly states they are requesting Equifax completely remove/withdraw the below tradeline from my Equifax credit report asap : XXXX  : XXXX ( Client XXXX XXXX  XXXX The letter states XXXX XXXX has been requesting Equifax to remove/withdraw this and I have also submitted with Equifax to remove/withdraw this XXXX and now I am requesting this again. 

Enclosed with this complaint are : - my drivers license - my address- my social security number proof - my dispute letter - XXXX XXXX  latest letter dated XX/XX/2022 - my XX/XX/2022 Equifax credit report where it still shows its on my report Equifax, please have this removed/withdrawn as XXXX XXXX has instructed you to do many times as this incorrect information is damaging my credit and interfering with my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Upon looking for a flight, XXXX advertised that I would receive {$400.00} off of the fair if approved and 70,000 sky miles  after being approved for the AMerican Express SKy Miles program. Upon approval, the cite would not let me use anymore than XXXX of the card and wouldn't even allow split payments. Therefore I could not have received the bonus on the card and the miles because it would not allow me to use the card. This is very misleading and abusive to get me to apply for the card. I was so upset, I called and complained after receiving the card and cancelled having never used the card. I applied on XX/XX/XXXX and canceled when I realized I had been duped in XXXX. I was told I would revived an e-mail of my complaint and they said it would be escalated and I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: FL

Complaint narrative:
In XXXX of 2017 US Bank Charged off my Checking Account and reported me to XXXX XXXX US Bank reported to XXXX the reason for Charge Off was Account Abuse. 

This is incorrect. As I remember my account was charged off for over draft fees. Then US Bank Charged additional over draft fees on top of over draft fees. I attempted to correct this with US Bank bank in 2017, but they stated this is policy. 

I was aggravated with US Bank answer. I did not pursue US Bank any further at the time to correct the matter as I was caring for my XXXX mother and attempting to understand why my father XXXX XXXX XXXX in XX/XX/2017. 

i spoke with US Bank today XXXX attempting to resolve the matter. To make settlement and for US Bank to remove or correct the reason they Reported to XXXX. US Bank stated No, they would not change the reason. I advise I was contacting CFPB

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 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right for privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any reason

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 2022-08-29 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: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right for privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any reason

Company response to consumer: Closed with explanation