vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I purchased two tickets for XXXX XXXX XXXX  on XX/XX/ and the festival date was XX/XX/XXXX The festival cancelled the event XXXX hours before its beginning and promised refunding everyone. They never refunded the money for two tickets. The amount is {$200.00}. I called my credit card company ( CITIZENS BANK ) XXXX  XXXX and disputed this transaction. Then on XX/XX/XXXX I got a letter from the bank to include more documents for them. I sent the information to them via email on XX/XX/XXXXXXXX XXXX Then I didnt hear back until I called them again and they requested a call back from the dispute department for me. Its strange that their dispute department doesnt have a direct number!!!! Then in a few days someone calls and promises that they will send me a letter to give me an update about the dispute. Since then I havent heard anything. I called them 3 times again to request another call back but heard nothing. This credit card company is irresponsible and thief. I am waiting for this dispute to complete and close my credit card with them. I just read that they are being fined XXXX XXXX dollars for not handling disputes and fraud well. Please help me with my issue. I am a XXXX  so this amount is a lot for me. You are my last hope.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally express my dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my repeated efforts to rectify this issue, the inaccuracies persist, causing significant harm to my creditworthiness and financial well-being. 

There are several fraudulent items present on my credit report that are negatively impacting my credit profile. I have submitted dispute requests on numerous occasions, providing supporting documentation to confirm the fraudulent nature of these items. 

Despite my persistent attempts to address this matter by following the established dispute procedures outlined by your organization, the fraudulent items persist on my credit report. Previous dispute requests have not resulted in a satisfactory resolution. 

The presence of these inaccuracies has severe consequences for my creditworthiness, affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I request that you conduct a thorough and expedited investigation into the fraudulent items on my credit file. Attached are copies of the supporting documentation that confirm the unauthorized nature of these items. 

Additionally, I insist on clear and timely communication throughout the resolution process and a written confirmation once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will be promptly and permanently removed from my credit history. 

If this matter is not addressed satisfactorily within the exact timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX  XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$11000.00} XXXX  XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX. XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX. XXXX XXXX : {$6400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I filed a complaint with your agency about this this company ( National Credit Adjusters ) XX/XX/2021. I sent them a letter asking them to validate this debt, they did not validate this debt as belonging to me. I never received a response back from this company. The original creditor is XXXX XXXX XXXX. I filed a lawsuit against XXXX in XX/XX/2021 and XXXX settle this case by deleting this account from my credit report. I have all the documented to prove that the account was dissolved and removed from my credit file. The same account was sent and reported to the credit bureau by National Credit Adjusters in XX/XX/XXXX XXXX.I am sending this complaint to you to see can we get this matter resolved before I contact the courts to file a lawsuit. The amount of the debt is {$900.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible 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 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible 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 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 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 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 explanation
Consumer complaint received 2023-12-21 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: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I received a letter from the XXXX XXXX XXXX. which detailed my outstanding student loans and lured me in to call the phone number as I was planning to situate my loan repayments and the XXXX XXXX website is the most confusing site for people entering loan repayment. Anyways, on this phone call, the scam artists, have an elaborate script where they reveal along the way that they have ALL of my personal information. They stated my SSN, addresses, phone numbers, emergency contacts, loan details and more. All of this was in effort to get me to provide bank account information, which I unfortunately did, and finally they wanted me to sign a digital document which was sent to my email. Thankfully, I realized at this step that this was a fraudulent email, but up until that point there was almost no way to distinguish that I was on the phone with a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my consumer credit report, and this my XXXX time filing my complain to your agency and the problem on inaccurate reporting is still existing to XXXX bureaus. I have consistently disputed the inaccuracies in the following information with Equifax, XXXX, and XXXX ; however, regrettably, the matter remains unresolved to this day. 

XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXXXXXX Account Number : XXXX Please supply information on how you have verified this item. 
XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/2021 XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXXXXXX Account Number : XXXX Please supply information on how you have verified this item. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX  XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account XXXX : XXXX Please ensure that all information is accurate 5. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXXXXXX Account Number : XXXX Please supply information on how you have verified this item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written or unwritten verbal and nonverbal per 15 USC 6802. 15 USC 6805 Obligation in respect to the disclosures of personal information.

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 2023-12-21 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:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written or unwritten verbal and nonverbal per 15 USC 6802. 15 USC 6805 Obligation in respect to the disclosures of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written or unwritten verbal and nonverbal per 15 USC 6802. 15 USC 6805 Obligation in respect to the disclosures of personal information.

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 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank closed my bank account due to a human error on my check. They immediately closed my bank account and refused to work with me to solve the issue. They have failed to communicate anything on their end. 

I was able to solve the check problem with my employer and open a new bank account. 

But they did freeze the amount I had in my account prior to this check the falsely accused fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX I had a hard inquiry removed off my XXXX credit report instead of my credit score going up it went down XXXX points. From XXXX to XXXX I want a real investigation.This is not the first time that happened, the other 2 credit bureaus have done the same with credit reporting. I feel there should be a investigation done of the past XXXXwo years on all three bureaus before I have to get a lawyer. In past two years I have sent police reports of being a victim of identity theft keep telling me they never received them when I sent them certified mail to be signed. All the credit cards on my reports that's showing negative aren't mines and I need them off my credit report ASAP because I am tired of playing with them. The credit bureaus is designed to keep XXXX XXXX  People at certain score level and I can prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX I had a hard inquiry removed off my XXXX credit report instead of my credit score going up it went down XXXX points. From XXXX to XXXX I want a real investigation.This is not the first time that happened, the other 2 credit bureaus have done the same with credit reporting. I feel there should be a investigation done of the past two years on all three bureaus before I have to get a lawyer. In past two years I have sent police reports of being a victim of identity theft keep telling me they never received them when I sent them certified mail to be signed. All the credit cards on my reports that's showing negative aren't mines and I need them off my credit report ASAP because I am tired of playing with them. The credit bureaus is designed to keep XXXX XXXX  People at certain score level and I can prove it.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 explanation
Consumer complaint received 2023-12-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022

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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had several complaints with Chase Bank -specifically my Chase Southwest Airlines Card and these complaints have not been thoroughly addressed and answered. 

First and foremost, I have been a victim of identity theft and my credit reports reflect this and as a result, there has been severe damage to my credit report. 

With this being said, Chase has been nothing short of a nightmare to deal with and they have caused me great XXXX and stress and have been a detriment to my mental health. 

Chase closed my Southwest Card unbeknownst to me and I never recieved and notification stating that the account would be closed and closed without notifying me. 

In additon, Chase sent me several letters stating they investigated my fraud claims and that I " recieved benefit '' on the fraud claims that I clearly did not recieve benefits on. Therefore I want to know extensively and a detailed report on the " investigation ''. Not to mention, Chase suddenly decreased my credit line without notification either. Chase has caused me to have severe anxiety and I am unable to sleep and it has affected my work and home life I have had nothing but a terrible experience with Chase Bank and their representatives. They were never helpful and were always quick to be rude and make me feel the the lowest I have ever felt in my life. 

I deserve an explanation to my complaints and concerns and I want them to be addressed thoroughly in writing. It is my right as a consumer to have complaints sent to me in writing only. 

Per 15 US Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am a customer with Navy Federal Credit Union. My fianc and I applied for a home loan in XXXX of 2022. I got an email showing where our application was moving ahead and we were assigned a Home Loan Advisor. We were required to show proof of income etc. Time went on we reached out to our loan advisor who then stated we were denied for being a less than ten points away from having the combined credit score of XXXX. This hard pull affected our credit score tremendously. Our credit scores dropped XXXX points. The score decrease would have been worth it if we were approved like the documentation we were received conveyed. Being assigned a Home Loan Advisor is misleading. You would think you are approved without having an approval letter in hand. I have all the emails that were sent pertaining to our loan application. This has been the worst experience of our life. We have struggled immensely to get our credit scores back to where they were before this hard credit pull.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
They keep attempting to charge me for a credit report plan and causing me to have overdraft fees. Ive gone to the website and there is no way to contact them other than a phone number which I havent been able to because I work or am asleep when they are available. Its impossible to log into my account and cancel the service because it takes you to a screen that says you owe money and you cant do anything unless you pay it. It gives you absolutely no option or ability to cancel the subscription. The website is Experian.com

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