vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchased 3 shirts from XXXX XXXX through XXXX XXXX on XXXX. I returned two of these shirts in XXXX. XXXX XXXX issued two credits on XXXX ( {$36.00} ) and ( {$30.00} ). These two credits were isued to XXXX. XXXX forwarded the credits to XXXX XXXX XXXX XXXX. The account number used by XXXX was one that had been replaced with a new credit card number due to a breach on the original credit card number. XXXX XXXXXXXX assured me that the credits sent to the old account number would have transferred to the new number. 

I have opened XXXXwo separate disputes on these payments with XXXX XXXX XXXX XXXXXXXX and both have been denied because I have not provided them with a 'valid credit slip '. XXXX XXXX did give the credits totaling {$66.00} to XXXX. XXXX then forwarded those credits to XXXX XXXXXXXX. I provider XXXX XXXX with the XXXX account statement showing the credits had been sent to them. I have not yet received the 2nd denial for {$30.00}. I can get it from their website but am soon to be 'timed out '. 

XXXX says the problem is with XXXX. XXXX says the problem is with 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 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover closed my account XXXX weeks after opening it. Letter stated some error that I didnt have a phone number on file with XXXX. This is incorrect. 

I called in XXXX to find out when the remaining deposit of XXXX and change would be refunded. They stated XXXX billing cycles, which would not be until some time in XXXX. 

They were quick to pay the balance of XXXX and change out of my original XXXX deposit and now they wont refund me in a timely manner? This to me is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc
State: FL

Complaint narrative:
On Wednesday, XX/XX/2022, I sent XXXX XXXX Mail Letter to FlexShopper for the purpose of disputing and validating the debt. There was a problem with their XXXX XXXX Credit Card where the payment was declined and the order needed to be performed again. There is no record that FlexShopper paid for my order using their XXXX XXXX Credit Card, and according to my records I was double billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: NY

Complaint narrative:
I am writing today in regard to my credit report. I have made many contacts with this credit reporting agency over the past few years and have asked them to remove some information that I did not authorize them to place on my credit report. At current, there are inquiries that I did not make and or authorize to be on my credit report and this company refuses to remove them. XXXX bank is inaccurately reporting on my credit report and this company is the only company that refuses to remove them from my report. According to Law 15 U.S.C. 1681-1681x, I have the right to fair disputing, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information and Consumer reporting agencies may not report outdated negative information, and I must give my consent to reporting. As of date, this company has not complied with the laws.

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a complaint with CFPB about Equifax reporting fraudulent accounts and fraudulent charges on my credit report and Equifax responded with the following information on XX/XX/XXXX : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you XXXX visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You XXXX also obtain a free copy of your credit report on annualcreditreport.com ''. 

I also received the dispute investigations by Equifax by mail, dated XX/XX/XXXX, which are attached, and clearly shows they did not do what they said they would do. They did remove XXXX and XXXXXXXX XXXX but did not remove XXXX XXXX XXXX and XXXX XXXX XXXX. They stated on the CFPB complaint the following about these XXXX accounts : " NON REPORTING DISPUTES Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE ''. 

They claim that the XXXX XXXX XXXX and XXXX XXXX XXXX accounts are non reporting, but still are. So this was a lie by Equifax and both accounts are still being reported as of XX/XX/XXXX per my equifax credit report account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX Commenity bank to pay off account and close account and I asked for the full amount due. I paid the amount that was told to me and it should have been the end of it. I had not been late on any payments or delinquent. Then months later the company reported late charges and delinquency. I was furious as I had done my responsibility in paying this in full and had closed the account. As a result of this companys failure to keep proper records or inform me correct my credit report was inaccurate and negatively effected. I reached out to Commenity on 3 different occasions XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this corrected I was told they were fixing this and that it would take 5-10 days to close the acct and show a XXXX balance but I had previously closed the account in XXXX when I paid the balance in full. Commenity also told me they had no control over what was reported to my credit report and to contact XXXX which I have and filed a dispute. This is unfair business practice and I should not be penalized for this company inaccurate reporting. I want them to correct their error immediately and take responsibility for the mistake. I pay all of my bills on time and this is the only mark on my report since my bankruptcy and I have worked very hard to rebuild my good standing with the credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America closed my accounts in 2019 due to their own business decision. They incorrectly reported fraud instead. I spoken w/ Bank of America to confirm the reason of closure and also got a letter from the company in which non states fraud. They will not correct the reporting to early warning and when they responded to my original complaint. They send contact information for XXXX XXXX for regulatory complaints however she has not returned any of my calls to discuss the complaints. Ive left multiple messages and have not received a return call back or email.

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 2023-01-09 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
This matter has been on going since XX/XX/2021. I was a co-signer with my mother on her Nissan Loan through Nissan XXXX XXXX. It was during pandemic when mail was not coming on time, and XXXX bills were not received by my mother. The bill for XXXX and XXXX. I was NEVER alerted, as a co-signer on a loan, of the issue ( the company has my cell phone number, work number, place of work, address, email, etc ). I was never notified and I found out though an alert on my credit monitoring app- it was the weekend and I had to wait until the following business day. When I called the first time- the representative refused to give me any information and stated if I was not the primary loan holder I did not have the access to the account- I asked for a supervisor, but was instead disconnected. I called back and received a different representative who told me the account was in good standing, all payments had been made and that I can dispute the report with a different department or the XXXX credit bureaus. I tried to dispute the late payments- because I was never informed of them as a co-signer ; however, the credit bureaus took the position of the financial institution. I do not believe it to accurate or appropriate for Nissan XXXX to hurt my credit report with late payments when I was never notified of them as a co-signer. I did not receive any type of communication of the late payments. If you look at my credit history I have NEVER in my life had any late payments. I have multiple mortgages, multiple car loans, many credit cards, and other miscellaneous loans/credits. Nissan XXXX should not have the right to damage my credit report without notifying me of the issue first to have the issue resolved. I want an investigation as to why I, the co-signer of the loan, was never made aware of the late payments ; I want the late payments removed off of my credit report ; and I want CFPB to protect future customers of Nissan XXXX not to be swindled by the institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have a Bankruptcy report on my credit report. I don't have any idea about these report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: WA

Complaint narrative:
I have a Bankruptcy report on my credit report. I don't have any idea about these report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have contacted and filed a complaint with lexis nexus and they keep saying the information is verified. These are addresses and names that are not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: AL

Complaint narrative:
Account : XXXX, Upon rechecking my credit report I've noticed the same errors are still on there despite the violations I provided. This is my last time bringing this to your attention before I file for litigation. You are damaging my reputation, and defaming my character by reporting XXXX that goes against my rights, and the laws of XXXX. You are sending pre-written generated letters that are not solving the issue, for instance, pursuant to 15 U.S.C 1681a ( 2 ), any report containing a transaction or experience is to be excluded from a consumer report. All the accounts I've shown were the case. So by now your willfully ignoring this law which is adverse to me and is grounds for actual damages. I'm demanding you remove it immediately and I will use this complaint as an exhibit if you choose to ignore or misdirect my complaint.

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
Account was brought to attention XX/XX/XXXX called XXXX XXXX XXXX got told they can bring down the total amount from XXXX down to XXXX which would make the account paid in full which I agreed upon XX/XX/XXXX called back spoke with XXXX the whole time paid the balance which we agreed on the XXXX a few days past by I go check my account still shows I owe XXXX $ which was not part of the agreement the account should be paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
The credit bureau never did a proper investigation according to the FCRA.

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 2023-01-09 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:
I sent a letter asking Experian, XXXX and XXXX to investigate my accounts. It has been over XXXX days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX  and XXXX  have XXXX  days to investigate and send me the results. 

And they also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below :

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 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/ 2022 my business account had unauthorized and several roughly XXXX was taken out my account from several merchants.. attached is proof from XXXX XXXX database I don't have an account. so all charges should be disputed and a refund should be issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
The credit bureau never did a proper investigation according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: CA

Complaint narrative:
XX/XX/XXXX i was pre-approved by American Express XXXX XXXX XXXX American Express product card. XX/XX/2022 I received a letter from American Express Customer Care stating we regret we were unable to approve your application. After being pre-approved for XXXX XXXX XXXX XXXX American Express card on XX/XX/XXXX in the American Express portal. Ref : XXXX. I received a denial letter stating false information into why i was denied after they tapped into my open ended credit plan. This false and misleading actions and information has brought XXXX and XXXX  into my life. The reason for denial is undermining my confidence and taking advantage of me by misleading me to give them my social and denying me by discrimination. i have uploaded the letter that was sent out to American Express and their response did not have anything related to Ref : XXXX. Amex has completely ignored my affidavit that was sent out to them through certified mail regarding the false promotion, misrepresentation and defamation of character actions they have performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
approximately XXXX XXXX  worth of deposits not reflected in account and duplicate transaction for the amount of XXXX that left my account in the negative. Called XXXX times, waited a total of XXXX hours in total for XXXX  and XXXX  customer service agents who tried to XXXX  me about my issue

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 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
check # XXXX writen to XXXX XXXX XXXX XXXX was stolen from post office and the payee was altered and cashed by bank. this was not discovered until XXXX XXXX XXXX XXXX sent me a letter asking for their money.the bank claims too much time had elapsed before I notified them.it was noted on the check that the check was for 2021 taxes.

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 2023-01-09 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: GA

Complaint narrative:
I sent a letter asking XXXX, Transunion and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, Transunion and XXXX have 30 days to investigate and send me the results. 

And they also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below :

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 2023-01-09 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: GA

Complaint narrative:
I sent a letter asking XXXX, XXXX and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX and Equifax have 30 days to investigate and send me the results. 

And they also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below :

Company response to consumer: Closed with explanation