vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is reporting inaccurate incomplete information to my Credit Report. When I informed them they hang up and give the run around. 
I have also contacted the furnisher and opt out of data they are reporting to these agencies. 
There should not be any transactional history reporting on my consumer report. 
I have never been late paying this account. 
Equifax has arleady been notified and refused to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: U.S. BANCORP
State: MI

Complaint narrative:
Cardmember Service/Elan Financial Services XXXX XXXX XXXX XXXX, XXXX, ND XXXX XXXX sent me a letter on XX/XX/2023 indicating that they were closing my credit card " in accordance with the terms of the Cardmember Agreement ''. I called several times ( XXXX XXXX XXXX is the number ) during the month of XXXX culminating in a final call with a XXXX named XXXX at her number XXXX XXXX XXXX on XX/XX/2023 who told me the same message that I have been getting all along : the card was cancelled in accordance with the cardmember agreement. NO one has been able to tell me why. I just want a reasonable explanation. I have always paid the card balances over the many many years I have had the card and I use the card almost exclusively for every expense I have. The cancellation will be a huge imposition as it has been entrenched in my financial life for every form of payment and service. I locked my credit a decade ago so applying for another card will be next to impossible. Furthermore, the card provides cash back and i spend in excess of $ XXXX with business travel on this card. I don't understand why it was cancelled and no one at Elan will give me a good reason.

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 2023-04-25 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: Nelnet, Inc.
State: MI

Complaint narrative:
I have disputed these student loans with the credit bureaus and Nelnet. These student loans have late payments attached to them that are inaccurate. The student loans have been being marked as late during the pandemic when there has been no payments due during the pandemic. I have been disputing this with the bureaus and nelnet for three months and it has been coming back verified with no explanation. Nelnet knows that there has been no payments due during the pandemic they refuse to resolve the issue and this is causing detriment to my financial state. 
These accounts are also reporting inaccurately and differently across all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
- XX/XX/22 - Opened a new checking account using a Promo that required to deposit and mantain a minimum balance of {$75000.00} for 60 days to receive a {$1000.00} bonus - XX/XX/22 - Transferred a total of {$75000.00} to the citi checking account from XXXX - early XXXX - Reached out to Citi to inquire on bonus status. They said I need to send them a completed W-9 form. I send the requested forms to Citi XXXX XXXX - early XXXX - Reached out to Citi, they confirmed received of W-9 form. Said to wait another week - mid XXXX - Reached to Citi again, created a ticket ( XXXX ) to follow up on the bonus status. Said it went to management level and they have to approve/complete - late XXXX - Citi says they still waiting on management to approve - XXXX - Still same status. Nothing CS can do to expedite the process

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 monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
Lexis Nexus is inaccurately reporting 3 bankruptcies on my behalf and without my consent. This information is incorrect and should be removed from all reporting agencies as this inaccurate reporting has negatively impacted my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo has discriminated against me, I applied for credit card and see attached document. It says they require more information before approval. But in reality, they had already declined the card, as I called the number listed and it was declined.

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 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Company is adding interest to debt it knowingly purchased at a discounted rate. They are supposed to be garnishing my wages but instead have opted to add interest to the debt amount month after month. At this point repaying the debt will not repair the damage they have done to my credit by continuously adding interest and reporting that Im missing payments when they took the debt to court and set up my wages to be garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Honda financial service removed a vehicle I was purchasing from my credit with all credit bureaus. I have completely paid the vehicle off and the line of credit has not been reinstated. I call every week for updates to no avail. It's like I have given Honda financial service XXXX of my money over a 4 year period with no record showing of it. This has cause extreme hardship in my life. I noticed the issue last year XX/XX/XXXX and reported this to Honda they did not do anything to reinstate they advise they removed the vehicle from my credit due to COVID relief I did not ask for this it was done without my knowledge. I paid the vehicle off early XXXX. I have been calling weekly since XXXX of XXXX. Still waiting for a manager to call me still waiting for my reinstatement now they're saying they cant help me because the account is closed its closed because I paid my debt that's not being reported this is a nightmare my credit and financial history has taken a turn for the worst due to Honda 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: OPORTUN FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was using XXXX ( savings account app ) when acquired by Oportun. On XX/XX/2023, I was unable to login which prevents me from accessing my money. On XX/XX/2023, I called Oportun and was told " this program is not supported over the phone '' and to email tech support. XXXX initially responded and provided troubleshooting. I attempted the troubleshooting. It did not work and I notified technical support including screenshots. On XX/XX/2023, XXXX replied and asked me to do the same troubleshooting steps. When I shared that it did not work, they told me they would look into the issue and respond within two business days. The second day after not hearing back, I called into the company. I spoke with XXXX and he told me he could transfer me to XXXX support if I called back in 10 minutes. I called back in 10 minutes, and was connected to XXXX. She informed me that no such support line existed. When I informed her I was told the line existed, she provided a number for support. After calling that number, the person answered in XXXX and the rep shared it was a generic support line and they could not assist. I was connected to XXXX and I described my issue to him. He informed me there is no live support for XXXX and I should reply to technical support 's email again. I let him know that technical support is not replying to my emails. He informed me that is the only solution available to receive my funds. I asked to speak to a supervisor and I was connected to XXXX. I confirmed with XXXX that my money is being held by Oportun and inquired how to receive the money and was told I must email technical support. When I asked to speak to someone in technical support, I was told they don't take calls. When I asked about other departments, I was told I may only speak to him, XXXX. XXXX let me know that he filed an escalated complaint that would take 10 business days to address. I replied to technical support after their two day window and still no resolution. 
On Monday, XX/XX/XXXX I received a call from Oportun support. When I described my issue again, they informed me my issue could not be addressed over the phone. They gave me the same email address to reach back out to. It has been 8 calendar days and over 5 business days without access to my account or my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
I need these accounts removed as they are in violation of the 1099.. a charge off is supposed to be charged as ordinary income.. so it is illegal for this to be on my consumer report. XXXX has removed these accounts now I need you TransUnion and XXXX to delete these following accounts : XXXX XXXX XXXX BANK XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank XXXX This is aggravated identity theft! 
18 U.S. Code 1028A - Aggravated identity theft

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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one continues to go into my account and steal funds, they were told multiple times that there wee multiple charges from XXXX and that nothing was received, no order was placed and instead of getting the money back they continue to double and triple charge the account. 

When Capital one is called all they do is give me the run around, also they transfer calls to an offshore account where people are unable to communicate in English, making it extremely difficult to communicate with them. There are multiple charges on the account that are not supposed to be there. 

If I received nothing from XXXX why are they charging

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25 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: SC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$4600.00}, XXXX XXXX Balance : {$52000.00} & XXXX XXXX Balance : {$23000.00}

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 2023-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Upon disputing a medical bill on my credit report, Rash Curtis sent me documents to verify the debt. According to my rights under the FDCPA, A collector has to give you validation information about the debt either when they first communicate with you or within five days of the first contact. The collector has to include the following : their name and mailing address, the name of the creditor you owe it to, how much money you owe, written out to include interest, fees, payments, and credits, what to do if you dont think its your debt, your debt collection rights, including your right to get information about the original creditor if you ask for it within 30 days of getting validation information from the collector '' The letter did not include an " address '' for Rash Curtis and Assoc as required by law. The letter did not include " what to do if I think this debt is not mine '' as the FDCPA requires. 
The only address provided is for a debt collector called " Recovery Revenue Specialists '' and they list a XXXX XXXX XXXX I can not find any legal business information for this company through the XXXX, State of California or XXXX XXXX Fictitious Business XXXX. 

I've attached the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have a few accounts on my credit that i dont ever remember apply for. These are inaccurate and Dont have a right to be on my credit report. 


NAVY FC ( Finance ) XXXX XXXX ( Bank ) NAVY FCU  ( Finance ) NAVY FCU ( Finance ) XXXX XXXX XXXX XXXX  ( Finance ) NAVY FCU ( Finance ) XXXX XXXX ( Finance ) XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX BANK ( Bank ) XXXX XXXX ( Bank ) XXXX BANK XXXX ( Bank )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THERE SHOULD NOT BE IN NEGATIVE INFORMATION ON MY CREDIT REPORT PLEASE CORRECT INCORRECT 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 non-monetary relief
Consumer complaint received 2023-04-25 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$150000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XX/XX/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 2023-04-25 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$150000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Texas Attorney General 's office has been reporting inaccurate late and/or delinquent payment history that is causing serious issues in my lively hood. I have provided the reporting information in the below attachment. They are also not allowed to report said information according to the below : 15 U.S. 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 ; 15 U.S. Code 1681a ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency that administers a State or local program for establishing and enforcing child support obligation

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 2023-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is in regards with the complaint # XXXX Citibank has responded saying that they are withdrawing the decision on blocking and closing my account. 

Thank you for the decision. However, when I tried to login to the app, I still keep getting my access has been blocked. I called customer care bunch of times. They say my account is in good state and I was even shipped with new debit card. But when I asked for access, they keep on saying maintenance. I don't understand how can only my account is been in maintenance for 5 days? 

So I still can not access my account from past 5 days since I received the response of everything is good.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX is inaccurately reporting 3 bankruptcies on my behalf and without my consent. This information is incorrect and should be removed from all reporting agencies as this inaccurate reporting has negatively impacted my life.

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