vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Hi Sir or Madam, I opened a business checking in-office with Citizens Bank . When I opened the account on XX/XX/2023, I showed the banker the promotional details that I attached below as I could not open the account online. The banker told me that the promotion was valid and would open my account in-office with the promotion attached. However, I still have not received the bonus despite depositing the {$5000.00} within the timeframe given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under the Fair credit reporting act section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. On this day of XX/XX/23 XXXX XXXX XXXX  has violated the Fair credit reporting act.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was compromised by the Credit Reporting Agencies illegally. 

Identity theft has been committed violating various codes.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Good afternoon, first of all thank you for your time. 
you see I have fully paid 2 cars, currently paying another two vehicles, I have paid loans over XXXX and Im very responsible with my payments, I had a Exeptional payment history until now. 
on XX/XX/XXXX I returned an item using my Nordstdrom credit card, I was not informed by the nordstrom employee at the time on the retunning that there was a balance to be paid for this transaction, I did not received a reciept ( the store was about to close ) and when I ask. Is that it? refering to the transaction, the employee responded " you are good '' and I left with out a reciept. 
Since I had recently openned that account it was clear to me that that was the last transaction for this credit card. months later on XXXX I opened my experian account and I noticed that Nordstrom had flaged me as late payment, I called them, paid the balance of {$27.00} dollars and informed them that I did not received any type of notification regarding this balance and that I was not aware of this, the same day I open a dispute to remove this past due balance from my credit record since its affecting the opportunity of buying my first house, I truly believed that Nordstrom has some responsability for this late payment, they shoud provide a better traning to their staff members, and have to notity their customers when they are late on their payments. 
I wound never put my credit score on the line for XXXX dlrs, and I would be happy and continue to use their credit card if they can remove that from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: T.S. Holdings
State: MD

Complaint narrative:
Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Franklin Credit Management Corporation
State: TN

Complaint narrative:
In XXXX my wife and I secured a mortgage with XXXX loans for XXXX XXXX and XXXX XXXX XXXX XXXX for XXXX XXXX. The housing market crashed in XXXX XXXX loans sent us a modification package that inquired about the status of our XXXX loan leading me to believe that it would be included in the modification. from XXXX until XXXX I paid one mortgage payment to XXXX who sold oir loan to XXXX and then to XXXX Mortgage. in XXXX I filed for bankruptcy and XXXX XXXX XXXX showed up after 11 years wanting to be paid. The loan I assumed had been charged off. Now the loan has reached maturity and they are forclosing on my home on XX/XX/XXXX at the XXXX XXXX court house through sheriff 's sale. I assumed by state law of Tennessee that the statue of limitations was up on collecting this debt. And that this would be considered a time barred debt. Trying to be collected illegally. My account number with XXXX credit is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc.
State: IL

Complaint narrative:
I filed complaint XXXX In their response they materially lied that my phone number was not blocked at two of their contact points. 

Original text from the earlier complaint, " They have blocked my number from calling them at XXXX or XXXX XXXX as listed on their website so I can not ask a third supervisor. '' Original text from their response, " Further, Unifin has not blocked XXXX XXXX phone number from calling Unifin. Please contact us with any additional questions or concerns. Sincerely, Unifin , Inc. '' This is materially untrue. As of XX/XX/2023 I am still blocked from both numbers and unable to contact them for additional questions or concerns. 

When attempting to upload video evidence of the blocked calls the complaint form provided a XXXX error inside the upload file element. I'd provide a photo of that error but am equally unable to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Complaint submitted under XXXX regarding Transunion 's refusable to conduct a legal and proper investigation into a factual disputed discrepancy for account : XXXX XXXX XXXXXXXX Transunion was specifically asked to correct the account 's payment history and to provide proof of verification ( e.g., creditor 's bank account statements reflecting all of my payments ). They are required by law to update, correct or delete and did neither. 

Transunion responded to the complaint submitted to CFPB XXXX as " verified '' but did not provide me with any information regarding how they verified the inaccurate account. 

This is a violation of my rights under FCRA Section 611.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 Account Name : Bankruptcy -U.S. Bankruptcy, Court Reference # XXXX Account Name : XXXXXXXX XXXX XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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 Account Name : Bankruptcy -U.S. Bankruptcy, Court Reference # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. 

Thanks

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX XX/XX/2023 To whom it may concern, This is an investigation request letter. I recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate with all the credit breaches happening. I asked that certain items be investigated when I saw that the creditor has reported on my consumer report information inaccurately. 
I am writing to request a detailed description of the investigation process carried out by the three-credit agencies regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ).

Under Section 15 USC 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
1. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

2. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX XX/XX/2023 To whom it may concern, This is an investigation request letter. I recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate with all the credit breaches happening. I asked that certain items be investigated when I saw that the creditor has reported on my consumer report information inaccurately.

I am writing to request a detailed description of the investigation process carried out by the three-credit agencies regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ).

Under Section 15 USC 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
1. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

2. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account 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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
on XX/XX/XXXX milestone closed my account for non payment from my personal income. I was told that that was the only payment they accepted. I referred to the bill of exchange act and remitted payment to the address on the face of the bill. XX/XX/XXXX certified mailing proves they received my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act convergent Account close # XXXX, bank of america and XXXX bank delaware has violated my rights. 

XXXX5 U.S.C 1681 section 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 whithout 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 explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2023-11-02 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/2022 I went into Ulta they let me know I was pre-approved for a credit card. I accepted and paid for my items that day in cash. I never received the credit card in the mail, so I assumed it did not go through. Three months later in XXXX I was called about being late on my credit card statement for Ulta. After I assured them I never received a card, so I had not used it I asked to file a claim of fraud. They were not cooperative and their calls kept coincidently dropping when I was close to a resolution. I finally got to someone who said they would file a claim for me, and that my account was under investigation. The company kept harassing me with robocalls and rude debt collectors even though I told them my account was in review. They were also charging me interest and late fees on a card I never received let alone used, which has been negatively affecting my credit score. 

I have never received an Ulta card, which I also reported to them and I never made a purchase. They told me to get my receipt from the store but by the time I tried to get the receipt, the store manager it had been too long and they no longer had my receipt in the system. But the fact remains that I never received nor activated an Ulta card, therefore the purchase amount, interest, and late fees are not mine to incur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After thoroughly reviewing my updated credit report, I have seen incorrect and misleading information that your company is currently reporting. According to my records, you have shared incorrect information about me which is a violation of my privacy rights. 

This information should not have been shared without my express permission. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX -- XXXX XXXX XXXX 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 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
I have an account with CASH APP. The phone number and the bank account associated with said account is no longer available to use to log into that account as I got a new number and new bank account. Cash app is refusing me to use my Government issued ID to prove who I am. All my information matches said account and where they sent my cash card. I also have social security card and tax returns also. I have XXXX dollars in said account that I worked hard for. Cash app website claims I can use that as a dorm of identification. Two mangers have refused to tell me why they aren't accepting what their company policy states. I really need this money to feed my kids. Any and all help is appreciated. I also have a list of others that Cash App is doing this to. This company needs to be investigated for a scam.

Company response to consumer: Closed with explanation