vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
My account was fraudulently accessed and XXXX XXXX XXXX XXXX for {$1000.00} dollars each occured. I have tried to handle this with Frost bank however they have inaccurately deemed that the transactions were purposely made. I have called repeatedly to no avail and they have not provided any evidence to prove their case. They give vague details and I'm left with little to no information and {$2000.00} missing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-18 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:
I have fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXX. XXXX XXXX {$710.00} XXXX. XXXX {$140.00} XXXX. XXXX XXXX XXXX {$1100.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-18 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:
I have fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXX. XXXX XXXX {$710.00} XXXX. XXXX {$140.00} XXXX. XXXX XXXX XXXX {$1100.00} Inquiries XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Unrecognizable charge

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 2023-06-18 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: NJ

Complaint narrative:
The following accounts that are reporting on my credit report are reporting inaccurately and I filed disputes for those accounts, and yet to have heard back from the three CRAs in the allotted time that the Bureaus give them to investigate.

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 2023-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: OH

Complaint narrative:
I can not open a checking account because I was scammed by someone I thought I could trust that was very close to me, they deposited a fraud check into my bank accounts after I trusted them with my banking information, they uploaded the checks via mobile deposit in a banking app and the next day my accounts were a negative balance. I need to be able to open a bank account for my full time XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: MI

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX To Whom It May Concern : Re : XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. 
However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
Docket Number # XXXX, Date Filed ; XX/XX/XXXX, Asset Amount : {$0.00}, Status :- is incorrect, and doesnt match my records.

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting in my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.

After doing so please provide me with an updated credit report reflecting the changes.

FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file.

They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: NJ

Complaint narrative:
The following accounts that are reporting on my credit report are reporting inaccurately and I filed disputes for those accounts, and yet to have heard back from the three CRAs in the allotted time that the Bureaus give them to investigate.

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 2023-06-18 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: NJ

Complaint narrative:
The following accounts that are reporting on my credit report are reporting inaccurately and I filed disputes for those accounts, and yet to have heard back from the three CRAs in the allotted time that the Bureaus give them to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: CO

Complaint narrative:
I pulled out an account for {$840.00}. I have paid off the original amount but did not realize they'd be charging an insane amount of money to credit me {$840.00}. I will be charged over {$5000.00} just to borrow {$840.00} I have already paid back. I do not see how this is legal and it is definitely predatory. They advertise easy payback methods but will continue to pull money out of my account to cover an amount I never borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I keep getting harassment calls from comenity bank.I get calls at least XXXX times a day they call back to back ;, I get left voicemails everyday everynight. I just can't take this anymore.This has been going on for XXXX XXXX months everyday back to back calls.I need help with this harassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My credit reports disclose 7 Citibank accounts with disputed balances. These 7 accounts were all referred to multiple debt collectors in XXXX and XX/XX/2023, however in violation of the FDCPA I only received the required 5 day notice from 2 debt collectors for only 3 of the 7 accounts. The required debt collector notices were never sent for 4 accounts although required 5 days after the initial conduct. I have responded at length to 3 notices and intend to respond to every debt validation notice. The deadline to file the 5 day notice has long expired. Kindly Sen me the required 7 notices for all 7 accounts so that I may respond to all of them. I need the card agreement guide for every account. Pursuant to multiple previous communications, I have demanded and elected to choose mandatory binding private arbitration with XXXX as the sole available forum to resolve disputes pursuant to the arbitration clause provisions. As previous communicated, every account matter is effectively in arbitration lacking the mere ministerial payment by Citibank of its 100 % share of the XXXX arbitration fees and formal filling of Claim documents with XXXX. Any validation notice shall be considered your XXXX  Claim.

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 2023-06-18 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I submitted verified and proper documents ( to NAVY FEDERAL CREDIT UNION ) fraud dept. The financial system my personal information is include into is a system i have no control of who can hget access to at any given point ( Black web, Data Breaches, and online credit card fraud just some examples ). So these issues alone by law ( FCRA act ) .constitutes that i should be by law made back whole before identity frraud occured. 

The documents submitted via IRS Form : 14039 identitty affidavit/ Nototrized Affidavit of identity FTC report # XXXX Copy of Data Breaches confirmation letter from XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/2023 a that was part of a business bankruptcy case began to report delinquent on my credit reports. My attorney reached out to the company XXXX XXXX to request they stop all debt collection efforts including credit reporting due to the fact this loan was part of a business bankruptcy it could not be collected via personal debt collection methods. XXXX XXXX has yet to stop collection efforts although they received this notice XX/XX/2023 This business bankruptcy is still in litigation.

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 2023-06-18 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: NJ

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

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

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 2023-06-18 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: NJ

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
The following addresses are incorrect information and should be removed for false information on my credit report. None are valid addresses other then XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. 

Addresses should be removed from credit report : XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2023-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
-XXXX XXXX : Submitted a request to get a refund on any payments made after XX/XX/XXXX XXXX : Received an approval e-mail message from Nelnet. 
-XXXX : Balance reflected back into my account. However, I do not know the exact date since I did not receive a notification from the lender. Realized that my balance had gone back to what it was before the requested amount only because I logged in to check. 
As of XXXX I have not gotten any money back neither by check or direct deposit. 

All payments have been made online since I started paying my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: CA

Complaint narrative:
I filed the first response to show the dispute letters I sent to dispute the accounts. This is the letter I sent next asking them to respond before I submit that document here!

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 2023-06-18 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: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a XXXX XXXX XXXX XXXX XXXX as well.

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 2023-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NH

Complaint narrative:
I moved and was not receiving my forwarding mail and my bank account was hacked through XXXX and I was issued a new card as a result the bill went unpaid. I tried to resolve the issue directly with discover but the account was already closed out and I was unable to go through them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a XXXX XXXX XXXX XXXXXXXX XXXXt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I have contacted Early Warning Services 3 times over the last year, and have asked for a report so i can see why my bank accounts applications keep getting denied or frozen ( ie my current account is frozen due to a report from XXXX and the bank wants the issue cleared up before unfreezing my account ) Ive called EWS submitted photo ID and they are unable to tell me anything about the freeze, while the agents are polite they always say the same thing, my report will be mailed to me in XXXX  days, or emailed within 14 days. It has never been sent and I have called 3 possibly 4 times over the last year and never get the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: NJ

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

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

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 2023-06-18 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: NJ

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I AMDE A DEPSOSIT AT CHSE BANK ON THE XXXX ASK THEM SPECIFICALY HOWLONG A HOLD WOULD BE BEFOR I DEPOSITED THE CHECK THEY SAID FUNDS WOULD BE AVAILABLE 0N THE XXXX EVEN SAY IT ON THE RECIEPT THEN ON THE XXXX THEY PUT ANOTHER 7 DAY HOLD ON IT ACORDING TO EVERYTHING I CAN FIND ON FEDERAL REGULATIONS THEY SHOULD NOT BE ABLE TO HOLD IT MOR THAN XXXX BUSINESS DAYSSINCE IT WAS DEPOSITED AT THE BEGINING OF THE BUSINESS ADY THATS 8 DAYS THIS MADE ME UNABLE TO REFUND THE MONEY FROM THE SALE AND WILL PROBABLY CAUSE OTHER ISUSES WITH TAXES AND SO FORTH SO I TURNED IN AN ORDER FROM A JUDGE TO GET INFO ON AN ACCOUNT THAT WAS PART OF AN ESTATE AND THEY IGNORED IT AND I HAD TO GO BACK TO THE JUDGE AND GET ANOTHER ORDER BASICALY THREATINING THEM WITH CONTEMPT AND FAILER TO COMPLY AND EVEN THEN IT TOOK THEM MORE THAN 10 DAYS TO COMPLYBUT I CANT SAY ANY MORE ABOUT THAT AS IT IS PENDING LITIGATION BEWARE OF CHASE BANK THEY ARE NOT TRUST WORTHY IN MY OPINION

Company response to consumer: Closed with explanation