vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 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: MI

Complaint narrative:
Please see the attached letters I have written to Experian regarding inaccurate reporting of a XXXX XXXX XXXX account listed on my credit report. There CLEAR AND OBVIOUS errors that Experian has refused to address and which remain on my credit report after their re-investigation. Also note that I requested details outlining the process they followed in re-investigating this report. They did not provide any of this 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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to 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 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I never received written notification that I was 30 days past due

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
See attached documents. Remove this personal information that does not belong to 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 explanation
Consumer complaint received 2023-07-06 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: LA

Complaint narrative:
I called the number thats been reported on my credit report for conns and no longer have the account I was told they sent me to a automated collection company I told them before anything send me debt verification letter what I got wasnt a debt verification letter it actually have the XXXX balance and told conns it was a XXXX balance I have reported this to the XXXX  and done a FTC report the law states if you request debt verification and dont get it in timely manner that states require you have to delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
CITIBANK : For background purposes, I have a credit card with Citibank and have been a customer for many years now. My phone number has remained the same for XXXX years. 

Today ( XX/XX/2023 ), I received a Fraud Alert email from Citibank after attempting an online purchase from a retailer. I called the number from the email to clear things up. I was then asked if I had a different phone number than the phone I was currently on. I've only had one phone number ( my cell phone ) for years now, and do not have a landline, and therefore I told them no. The CSR proceeded to tell me they could not verify my account details over this phone number and would have to send me a verification letter over the mail that would take 5-10 business days. 

I've had the same phone number for years now, and have dealt with fraud alerts from Citibank in the past. It has NEVER been an issue to resolve them over the phone, using a combination of my Citi " secret code '' and other account details ( SSN, etc ). 

In 2023, this is completely unacceptable. I am now locked out of my account- and have to wait 5-10 business days for a verification letter that ANYONE else could simply get ahold of. There are tons of ways to verify an identity that do not require a letter over the mail. This situation is almost comical if it wasn't so frustrating. Now I will be dealing with bounced transactions for any auto-subscriptions that I have tied to this account. My only alternative is to use my bank card, which is NOT ideal. 

Citibank - you are going to lose potentially lifelong customers with this antiquated practice.

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 2023-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: MECHANICS BANK
State: CA

Complaint narrative:
I am writing to request the removal of a recently missed monthly payment from both my credit history and that of my sister, who kindly cosigned the loan for me. Due to financial hardships, I temporarily fell behind on payments. However, I have now brought the account up to date and am financially capable of making consistent monthly payments going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX of Chase Bank stole our money and wont give it backfor real. 

I use XXXX XXXX XXXX management services. I wrote XXXX XXXX and XXXX XXXX a good check of {$16000.00}. They did an excellent roofing job on my office building at XXXX XXXX XXXX XXXX, XXXX, Ca. They are next installing security cameras. 

I paid XXXX XXXX and XXXX {$16000.00}. XXXX deposited the check in his Chase Bank Account. Chase bank cashed the check. then refused to release the funds to XXXX and XXXX and instructed XXXX and XXXX to take me with him and we all provide IDs, appear at XXXX Chase branch office and verify who we are. We did as Chase demanded and Chase refused to acknowledge that we were even present at their bank. We all had appropriate documentation and ids. 

Chase is stealing our money. They wont release the money to XXXX and XXXX and Chase wont return the money to me! In real effect they are stealing it they will not acknowledge they hold the money and they are now claiming we must go to my bank XXXX XXXX XXXX XXXX and demand the check be returned. 

XXXX and XXXX and I all went to XXXX XXXX XXXX XXXX attached is the check # XXXX of XX/XX/2023 processed fully by Chase and XXXX XXXX XXXX XXXX front and back showing that Chase cashed the {$16000.00} check which cleared XX/XX/2023. We want the money released to XXXX and XXXX. 

Chase is politically discriminating ( not racially discriminating ) but politically discriminating because they dislike our Christ-Centered politics. 

We disparately need XXXX on XXXX help. Chase is crushing us because they can. Please assist us in getting the check cleared to XXXX in some business like fashion. Please. 

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 2023-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
XXXX date I filed a XXXX  compliant about my car insurance XXXX Requesting a response but no call back or email happen. Then my car from insurance got deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
They offered a promotion that if you kept XXXX of new funds in your savings account for a specified period of time they would provide a 1 % bonus ( {$100.00} ). I followed the terms of the promotion by transferring in XXXX and maintaining XXXX in the account for the specified period of time but wasnt credited the bonus. When I inquired about it, they said I had needed to maintain more than XXXX to qualify. That wasnt my understanding of the promotion and the terms did not make that clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

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 2023-07-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
5 ) Treatment of inaccurate or unverifiable information  ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I asked the bureaus to provide the following concerning an account they are reporting 1.the original contract 2.payoff disclosure 3.interest rate disclosure 4.balance history 5.payment history 6.credit insurance 7.Charge off date ACCOUNT I REQUESTED THIS FOR : XXXX XXXX. UNVERIFIED I requested these in XXXX of 2023. It is now XXXX. 
They have failed to follow the laws that govern reporting by refusing to delete the account due to the inaccuracy of the past due status and the last date of activity as well as failing to provide by law what I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 2023-07-05 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: TX

Complaint narrative:
I am the author of this complaint. I notice some inaccurate and incomplete information on my credit report. I'd like a thorough investigation and a deletion of the following accounts mentioned in the letters attached to this complaint. My social security card and a picture of my driver 's license is included within the letters attached either

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 2023-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I WAS LOOKING OVER MY CREDIT REPORT TO BUY A NEW HOME WHEN I SEEN SOME ACCOUNTS LISTED ON MY REPORT THAT I NEVER DID BUSINESS WITH THESE ACCOUNTS ARE HURTING MY CREDIT AND WAY OF LIFE AND I WANT THEM REMOVE.

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 2023-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2023 I wrote a letter to all 3 Credit Bureaus concerning a Auto loan from XXXX XXXX. In the letter I asked them to please verify the information being reported because it was being reported with the wrong amount showing after the car had be sold. Well after waiting 45 days I called each reporting bureaus only getting through to 2 out of the 3 with them saying that the balance has been updated which is hasn't. According to the Fair Credit Act if wrong information is being reported even if it is off by a couple of XXXX of dollars. It's causing me financial damage so my question is shouldn't it be removed? I just believe these bureaus have become untouchable and feel like they are able to do whatever they want.

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 2023-07-05 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: MA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to 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 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: OK

Complaint narrative:
On the date of Wednesday XX/XX/2023 Credit Karma stated I had an excellent chance of being approved for the XXXX  XXXX XXXX credit card but upon completing the application, I was denied approval. I then took a screenshot of the denial statement for my records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
There is a debt appearing on my credit reports with multiple agencies for {$730.00} which does not have any information regarding the original creditor and I have no idea who it is, and believe it is inaccurate. I hired a service to fix this but they were not successful so now I am attempting to remedy it myself. This is one of several issues with my credit report, as multiple debts exceeding 7 years appear on my report and negatively impact my credit score, where I have not missed a payment nor had any negative financial issues in recent years however my score is very low due to all of the inaccurate and old information appearing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was using my credit card balance transfer offer from Bank of America. 
I typed in BoA checking account number, then it showed the XXXX creditor. 
I choose that then typed amounts {$6700.00}. It showed the debt my credit card after several days. But I dont know where the money went. Contact BoA several times since XX/XX/2023. BoA still not gives me the solution.

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 2023-07-05 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: TX

Complaint narrative:
I am the author of this complaint. I notice some inaccurate and incomplete information on my credit report. I'd like a thorough investigation and a deletion of the following accounts mentioned in the letters attached to this complaint. My social security card and a picture of my driver 's license is included within the letters attached either

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