vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My wife and I are buying our first apartment together. We both have good credit and assets and applied for a standard 30 year fixed rate loan through XXXX. 

XXXX called me to tell me that my credit reports from XXXX and XXXX came back fine, but Equifax showed a fraud alert, and that their underwriters couldn't go forward as long as that was unresolved. I called Equifax and learned that they had extremely outdated information for me- they had my " current address '' as one I had last lived at in XXXX, and they had the wrong name for me. ( I'm transgender, and I legally changed my name in XXXX. The other two credit bureaus didn't seem to have an issue with this. ) It was difficult to understand the Equifax customer service rep but she indicated that I needed to change my name in their system to remove the fraud alert. She explained that I needed to mail supporting documents ( scans of my drivers license, social security card, and name change order ) to their XXXX XXXX XXXX XXXX and wait XXXX to XXXX business days. I sent in the mail, and called back a few days later to see if I could get a status report. This time they told me that it would take XXXX calendar days to process the name change, that there was no way to expedite this, and that the back office didn't take calls. 

The mortgage contingency date on our apartment is in XXXX weeks, and the closing date is a week after that, and in any case I have no reason to believe Equifax will hold to their 30 day promise. My lender can't go ahead with a clean Equifax credit report so we're working to change the loan so it's just my wife 's name on it, but this is obviously not ideal. If I was single then this would have torpedoed my home purchase altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
For the last few months I been trying to contact experian but they have a automation system that doesn't help or make it easy to have access to my score and report on my online credit monitoring services. It makes it hard for me to see what's on my report. Just in case I need to dispute anything or denied credit when I apply for anything because experian doesn't supply any info

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 2023-11-06 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:
In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: MI

Complaint narrative:
I applied for credit and was denied because of non autorized accounts and address 's were assembled /placed on my consumer report which are fraudulent, So I sent a letter to all three CRA 's registered mail in good faith explaining what happened and to delete mentiond accounts/address within the letter/complaint I sent.

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 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On or about XX/XX/2023 I paid the entire balance of my Capital One platinum and Capital one XXXX card off. Totaling about XXXX for both. I applied for a mortgage in XXXX of 2023 and by XXXX, it was time to go to the next step. I had been saving money so that I could pay my bills from my XXXX account so as to not disturb any funds I was saving for my closing costs. Normally, I go on Capital One app and use XXXX of my bank cards to pay my bill. However, since I was using XXXX, I had to pay with that. I tried to put the numbers in but got a response that card was not accepted. So I went to XXXX 's page where they have your account number and routing number and I entered that for my payments. A couple of days later I realized the money did not come out of my account. I looked on the Capital one app and saw the payment was returned. I had no idea why, but just paid out of my closing funds immediately. The next day my accounts were marked restricted. I called to ask why and they said they do not tolerate that type of business or some rule they read to me. I explained what happened that I had no idea you could not use XXXX 's routing number and account number to pay a bill. It's offered to you by XXXX, and that when I realized i rectified the situation immediately. In the middle of my mortgage they closed my account and deemed it at capital one 's request. This company has put a stain on my credit report and reputation because I tried to pay them out of XXXX. Note - I have NEVER paid late and almost always paid the entire balance before the due date. On my credit report before it says " accounts closed '' it says exceptional payment history. I do not want another card from capital one, but I want an apology and the stain removed from my credit and reputation. Luckily, after writing a letter to my underwriter, I was approved for the mortgage. But was recently turned down for a credit card and I know it's because of XXXX XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood has refused to release my funds to me upon deactivation of my account. They are holding XXXX my money and I have already submitted identity verification twice now and my bank info has also been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I'm trying to open an online account with Citizens Bank. It asks for personal information - Social Security number, birthday, etc. But when I enter my the information, it does NOT hide my typing with *** asterisks *** as it should. I don't have internet at home and use library computers where anyone walking by can see what I'm typing ; also, librarians can see my screen from their computers in the office. 

This is VERY insecure and puts the customer at risk of having his identity stolen. And it's probably illegal. Doesn't the law require banks to safeguard customers ' private information? 

When Citizens informs me that this problem has been fixed, I'll open an account online. 

If Citizens refuses to fix this problem, or tells me that I must waste my time going into a branch to open an account, I will file further complaints with the XXXX  and AG.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: TX

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
A deposit was made on my account..the funds are not stolen XXXX.my 1st deposit was {$4800.00} on XX/XX/2023 and 2nd deposit for {$5400.00} on XX/XX/2023 both deposit cleared..and is still available on my account ..so can you please help me get my funds because the money is not stolen..it 's just a big deposit with a account that I just opened... I would like like my funds and dnt want the account anymore after this ... thank you!

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-06 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: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX of 2023 I opened a fraudulent claim with my bank called chime someone unauthorized charged my account for the amount of {$1800.00}. When I opened the fraud claim it took them ( 2 hours to reject my claim ) They didnt even take time or effort to investigate which I found poor of there part ( I have proof of that as well ) I called back the same day to explain my frustration and they let me reopen the claim which they call rebuttal and its been 30 days now and I havent been able to get my money back. I have called them countless of times and they literally hang up on me and ignore me and every time I want to speak to a supervisor they do the most to not transfer me! Please help I want this resolved! 
They have also done this in the past! Someone stole {$700.00} from me and same thing was rejected 2 hours later

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: MS

Complaint narrative:
My student loans were transferred from to XXXX to XXXX in XXXX. XXXX and XXXX are both reporting the same student loans.The balance with XXXX should display {$0.00} because the loans were transferred to XXXX, but my credit report is still displaying balances from XXXX and XXXX. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with XXXX should display {$0.00}. My student loans are currently with XXXX. The double reporting resulted in a XXXX decrease on my 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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My student loans were transferred from to XXXX to XXXX in XXXX. XXXX and XXXX are both reporting the same student loans.The balance with XXXX should display {$0.00} because the loans were transferred to XXXX, but my credit report is still displaying balances from XXXX and XXXX. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with XXXX should display {$0.00}. My student loans are currently with XXXX. The double reporting resulted in a XXXX decrease on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My student loans were transferred from to XXXX to XXXX in XXXX. XXXX and XXXX are both reporting the same student loans.The balance with XXXX should display {$0.00} because the loans were transferred to XXXX, but my credit report is still displaying balances from XXXX and XXXX. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with XXXX should display {$0.00}. My student loans are currently with XXXX. The double reporting resulted in a XXXX decrease on my 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 2023-11-06 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: NM

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.

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 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 2023-11-06 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: NM

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.

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 non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
ON XX/XX/14 I WENT TO XXXX XXXX to put in gas. the pump took my card but would not pump gas. i pulled up to the next pump where i entered my card again and that pump worked i filled it up for about XXXX dollars and change. I checked my account as i arrived to work maybe XXXX mins later and i saw my XXXX dollar charge and the XXXX dollar charge. 
i called the bank chase right away and said someone must of used my card to fill up their car for whatever reason did not work for me but worked for them. they told me they would send me new card to dispose of old card and they reimbursed me. 
i got XXXX texts to call them about the claim and every time i did with the same story. 
someone used my card to get gas after i left. my car does not even take XXXX dollars you can see in my history i have never put that much gas in. 
the bank denied my claim saying since i had card my possession i approved the transaction which in no way did i approve someone to steal from me. 
Chase basically stealing my XXXX dollars and when i made the claim the cs rep hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Great American Finance Co
State: MO

Complaint narrative:
On XX/XX/23 I was informed by my employer that great American finance ( XXXX XXXX contacted my employer in an attempt to collect a debt, and I just made a payment. This was inappropriate, unprofessional, and could impact my employment. It also very much violated my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX JPMCB CARD  was approved on my account. I already HAVE a JPMCB card. I got alerted and called chase/amazon immediately to report the fraud. They said they would delete it and get ahold of the bureaus. I needed up just filing a dispute on each and freezing my accounts. I had to upgrade to do it. I had some high alerts from XXXX. XXXX deleted a name but then there was a bunch of stuff they updated and told me other processes to then do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: WA

Complaint narrative:
I received my XX/XX/XXXXXXXX  statement and paid it. 
In XXXX I received a text form someone at my previous address saying US Bank had left a message on the answering machine and I should call them. I had also received an email so on XX/XX/XXXX I called the # on the email. I told them I had not received any bills and I needed a bill so I could figure out what was going on. They ordered statements. 
Two weeks later I called back, was told it could take up to a month to get statements. 
Waited a month, called XXXX had just reordered statements, XX/XX/XXXX. verified address told me what the charges were for Called you guys and was suggested I check my credit report. I checked XXXX and all was good except US Bank which potentially deleterious. also included the address of XXXX XXXX XXXX. My credit score had been over XXXX and fell to XXXX it is now at XXXX. 
Waited another month called XXXX asked for statements for this year only, asked what address they had for me and was told XXXX XXXX XXXX, the correct address is XXXX XXXX XXXX I asked who do I talk to to settle because they had the wrong address. The agent said it was him but would only say so you want to settle in full. I asked about goodwill adjustment and was told they did not do that. 
Called XXXX reoreded this years statements, address was changed to the correct address but now have no evidence they were using the wrong address, didn't seem to matter that I had not received 4 months of bills

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 2023-11-07 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: GA

Complaint narrative:
The information relate to this account does not relate to any transaction ( s ) that I have made.

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