vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 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: MD

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX 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 2022-04-05 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: DC

Complaint narrative:
I received correspondence from Transunion to which suggests that I am working with a credit repair company. I have submitted a complaint in reference to derogatory accounts to which I have been a victim of identity theft in the past. I have tried to resolve this issue with original creditor with little to no response. 

Transunion continues to report these derogatory items on my credit report. Transunion have failed to investigate my complaint. It has been more than 30 days. 

Please reference : File # 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 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened an account with Citizens Bank with a promotional offer that stated that I would get a {$300.00} bonus deposit for having a single direct deposit of {$500.00} into the account within the first sixty days of account opening, along with up to {$100.00} extra bonus for up to XXXX debit card transactions done within the first sixty days ( {$2.00} per debit card transaction ). I completed the bonus offer requirements and waited the stated amount of time until I was to receive my bonus deposit into my account of {$400.00} total. The last week of XX/XX/XXXX I reached out to Citizens Bank via Text Chat on their website and inquired as to when exactly I would receive my bonus offer funds deposited into my account. I was told by a representative that I would receive the funds on XX/XX/XXXX due to the date I opened my account and the fact that I completed all requirements to receive the bonus offer funds. On XX/XX/XXXX I had not seen the funds deposited into my account so I once again reached out to Citizens Bank via Text Chat. I was told by a representative that I should have received the funds the previous night during overnight processing but had not done so, and that I should wait until Monday, XX/XX/XXXX to reach back out to Citizens if I had not received my funds by then. I decided to call Citizens on XX/XX/XXXX and was connected with a supervisor who provided me with a case number and stated that I would have a response by the marketing team within two business days detailing when I would receive my bonus offer funds into my account. No email has arrived as of this date. I then also reached out to Citizens via their XXXX account and after two calendar days finally received a response with a case number stating that my info was forwarded to the Chairman 's Office. To this date I have no bonus offer in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX bank FCRA violations not mine ChexSystems

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 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
On XX/XX/21 I reported fraudulent charges on my account and shut down my card. I reported the charges within 24hrs of noticing. I was given provisional credit and they investigated the claim. They said the charges were not fraudulent even though they were. I am covered my XXXX XXXX liability policy. I did everything I was supposed to do to report the fraud. They reversed my provisional credit and said I was liable. This is in breach of XXXX  XXXX liability policy and I will not be held liable for purchases I didnt make.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
I applied for a home construction loan through Zions Bank beginning XXXX of XXXX. It is now XX/XX/XXXX and after being strung along for more than 5 months and talking with several different people I still do not have a close date after receiving conditional approval over 2 months ago. One minute I was told it will be closed by end of XXXX, Then it went to the beginning of XXXX, Then I was told by the end of XXXX. It has been in Zion Banks underwriting department for well over 2.5 weeks and every time I call to find out what is going on I am told something different is causing the issue for the loan not to close. All the issues the bank keeps coming up should have been resolved during the beginning of the loan process before conditional approval. It is my belief that they are trying to string me along so they do not have to honor the locked interest rate of 3.125 %. I believe they are trying to let the rate lock expire so I have to pay a higher interest rate on the loan.

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 2022-04-05 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am unable to obtain my Experian credit report. The company will not provide it to me. I have tried unsuccessfully several times to contact Experian by phone and to login to their online system from XX/XX/XXXX XXXX, 2022. It is impossible to connect to a human being by phone, and Experian is not providing me with any support. 
Their website keeps giving me the following error when I attempt to login : We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. Call us toll-free at XXXX. However, when I call the provided number, the automated call center refers me back to the broken website, or hangs up on me.

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 2022-04-05 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: Comerica
State: TX

Complaint narrative:
Coamerica bank FCRA violations not mine XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Conn's, Inc.
State: TN

Complaint narrative:
Conn Credit Corp is incorrectly reporting two a accounts on my credit file. Conn Credit Corp has repeatedly denied my request for deletion. Both Conn Credit Corp accounts have met or have exceeded the 7 year deletion date of first delinquency. Conn Credit Corp has manipulated and/or erased non-payment history in order to prolong the life of collection on these accounts on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I applied for a credit card that XXXX app suggested on XXXX, because it said it wouldnt hurt my credit scorewell it did, it hurt all three bureaus, took 4 points from XXXX score aloneif I would have know it would hurt my score I would not have applied, because Im trying to work on my credit as we speakplease help with this, as it if effecting my score between good and fair reportingIm working hard to get my credit in good standing and now I dont trust suggestions from your appthank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
My mother fraudulently opened a XXXX account sometime between XXXX and XXXX. I have tried multiple times since then to have the account closed and removrd from my credit history. Not only was it fraudulent created it's been over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Credit Technology, Inc.
State: FL

Complaint narrative:
I didn't authorize this company to run my credit nor did i apply for this company. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
12 CFR 1005.17 a financial institution holding a consumer 's account shall not assess a fee or charge on a consumer 's account for paying an ATM or one-time debit card transaction pursuant to the institution 's overdraft service Ever since opening my account in XXXX Associated Bank has XXXX XXXX $ in fees in regards to ATM and Overdraft Fees. They have charged OD fees from ATM transactions and one time debit transactions as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Chime Financial Inc
State: SC

Complaint narrative:
XXXX  weeks ago I advised chime That my password and my email address in my phone number on my account kept changing and it was not me who was doing the change so what should I do. Chime advised me to change my password something stronger. So I change my password to something stronger the next day after I change my password I still was not able to login into my account. I advise Chime Once again but I am having problems logging into my account chime Represe. ntative advise me that my account has been XXXX. They advised me that email address and phone number was not the same on my account.Chime advised me that they would have to put in a dispute about the situation they close Out the account and re-issue me a different account so as XXXX was correctly my account including me a new password I was able to log into my account but the following days the situation started again and I was not able to login account and everything that was in my account was gone. I called Chime and told them that my account was changed again and everything that was in my account was gone. So I asked Chime are they going to refund me my money XXXX and Chime told me that I was the XXXX whos causing this problem with the representative advised me that my account was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
This debt that has been sent to collections has another persons name, and it also has my name and a different date of birth ( which is not my birthday ). I will attach documents showing this debt collection that does not belong to me. This is my 3 rd attempt trying to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: MD

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: MD

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-05 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: AL

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I recently opened a checking account with Citizens Bank in XXXX of 2021. I opened this account by clicking on a link that demonstrated a bonus for starting the checking account that included {$100.00}, {$2.00} per transaction made with the debit card for up to 50 transactions. I completed these 50 transactions and then inquired with the bank as to why I did not receive the bonus. They stated that the transactions had to be " in-person '' transactions with the physical card, however, their terms and agreements state that the transactions can be " in person '' or " online '' transactions with the debit card. I called Citizens Bank again to try and rectify this situation, and the representative stated that they could not provide me with the bonus unless I told them over the phone the promo code I used to sign up for the checking account. I asked them why this was necessary, as I must have entered the promo code into their website when signing up so they should have a record of what promo code I used, however, they stated they did not have this information. The promo code was on a mail flyer that I have since thrown away after opening the account back in XXXX. There was no statement on the mail flyer that I must keep that flyer so that I could receive my bonus four months later. I'm not sure what the point of entering the promo code during sign-up is if I just have to recite it again four months later when it comes time to receive the bonus. I completed the bonus requirements and feel as if Citizens Bank wrongfully coerced me into opening up a checking account without providing the bonus they stated they would be providing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05 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: FL

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation