vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK
State: OK

Complaint narrative:
I changed phone companies and they wouldnt port my previous number so it was changed Vio Bank a division owned by Midfirst bank will not change my phone number on my account. I have verified with two service agents on the phone my account, my birthdate, last four of social, code word on account, I have been told by two other reps to go to a midfirst branch and I knew midfirst reps can not change anything in vio system. Then they asked for proof from phone company which was sent through a midfirst branch. This has been two days and they are still holding over $ XXXX hostage. I am now at XXXX on Friday and scheduled to fly on vacation which I will have to cancel because

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX  acquired XXXX XXXX XXXX  in late XXXX. I had a HELOC with XXXX XXXX for over a decade. MY credit Union, XXXX  XXXX XXXX was set up to auto-Bill Pay my HELOC Bill in the amount of {$400.00} per month at the same time each month. This was never a problem until XXXX  acquired XXXX. I was informed in XXXX of XXXX  that I was three months past due. I immediate paid XXXX the {$1200.00} they claimed I was " past due '' due to a refinance I was going through with my Credit Union at the time. Afterwards I sought to find out what happened to the three {$400.00} payments my credit union was supposed to make for my HELOC but that XXXX claimed were never made. After many many months of getting the run around I provided XXXX with multiple documents including official communication and verification from XXXX  XXXX XXXX that the payments were made and were never returned or rejected by XXXX XXXX. I am now out {$1200.00} with no recourse despite all the evidence that shows the payments were made and never rejected. Additionally, XXXX ruined my credit by reporting my loan as being 3 months past due when in fact all the evidence shows that the three {$400.00} payments were not only made, but made in the same manner by the same financial institution and on the same dates of the month as they had been for over a decade before XXXX acquired XXXX. I wish to have my credit restored, the delinquent payments struck from my credit report and my {$1200.00} refunded as it now proven that I have now paid it twice while attempting to get this issue resolved by 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 2023-10-27 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: CA

Complaint narrative:
Company is in violation of aforementioned codes by reporting derogatory information on 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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
i am trying to get a home loan but the XXXX credit bureaus show a freeze on my account. I have called all XXXX and they have said over the phone that there is no freeze but every time i try to pull my credit it says suppressed which means a freeze. i just need them to unfreeze my account somehow or go into their system and actually unblock whatever they have blocked on my account so i can get my home loan approved. i am running out of time before the deadline XXXX for my contract.

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 2023-10-27 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: UT

Complaint narrative:
i am trying to get a home loan but the XXXX credit bureaus show a freeze on my account. I have called all XXXX and they have said over the phone that there is no freeze but every time i try to pull my credit it says suppressed which means a freeze. i just need them to unfreeze my account somehow or go into their system and actually unblock whatever they have blocked on my account so i can get my home loan approved. i am running out of time before the deadline XXXX for my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXXXXXX XXXX # XXXX Closed Accounts : 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 UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX 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 of 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 2023-10-30 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
USC 15 1681a ( 2 ) ( i ) states that It is illegal to report transactions or experiences on a credit report. 
All alleged late payments and other transaction and experiences must be removed and ceased to being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: 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 2023-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
On XX/XX/2023 I called XXXX XXXX XXXX XXXX to settle on the debt they brought from Avant Credit Card Company. I asked agent XXXX about the XXXX XXXX settlement offer that Avant sent me to settle the debt and was told that they arent offering that settlement percentage. The percentage they offered was XXXX XXXX off in XXXX payment or XXXX XXXX off on XXXX payments. The total in collections is {$1200.00}, of which I used {$740.00} in credit, {$150.00} interest and an added fee. They added a {$330.00} fee outside of interest added to credit card balance. The agent went on to tell me that they cant offer me anything better because they just brought the debit in XXXX. If they have the debt longer than I may be able to get a better settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
For the past couple of months, someone has been using my information to apply for credit and loans, all of which appear on my credit reports. After speaking with the Experian fraud department- which I was only able to reach after calling 5 times - I placed a fraud alert with all XXXX credit reporting agencies. Despite this, multiple hard and soft inquiries were added to my credit report ( XXXX ). At this point, I used Experian to place a credit freeze. 

On XX/XX/XXXX, ( the same day another hard inquiry was reported on my account ), I received an email notice from Experian that my account information had been updated. I did not make these changes. Indeed, someone was able to change the email and phone number associated with my account, so I am no longer able to log in. With access to my account, the assailant is able to lift my freeze and fraud alerts, and continues to apply for credit. 

Experian 's security issues have caused my direct financial harm and requires significant time to repair. Each attempt to contact the fraud department takes at least 5 tries, and I don't have time to do that on a now-monthly basis. I am now delaying plans to apply for a mortgage because of this issue. The fact that their higher-level security monitoring is only available with purchase is unfair, especially considering the credit agencies determine so much of our lives. With evidence of extensive fraud attempts linked to my identity, they should not have allowed this to happen. My credit score has dropped over XXXX points, which has been detrimental to my life plans.

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 2023-10-27 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: GA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX # XXXX Closed Accounts : XXXX XXXX  # XXXX 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 # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX 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 of 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: PA

Complaint narrative:
I received a card in the mail from Brink 's Money Prepaid Mastercard that I did not request or apply for. The card is addressed to me, but my name is spelled incorrectly ( XXXX vs. XXXX XXXX. While I understand that this company has a practice of buying contact information and sending unsolicited cards, this particular card arrived on the same day as two other fraudulent attempts to open credit cards using my incorrectly-spelled name ( the other incidents were with XXXX XXXX and XXXX ). That leads me to believe that the Brink 's card was actively applied for, rather than just randomly sent. 

I called the company, " cancelled '' the card ( their terminology -- it was never activated, and now it can not be activated ), and requested to be removed from their marketing campaigns. But that process was completely automated. I could not find a way to speak to a customer service representative or to report suspected fraud. There is no option for getting out of automated menus, no chat message option to contact a rep, and no method I could find on the website for reporting fraud.

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 2023-10-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Continue to report an FTC case on my credit report. Disputed multiple times. They do not investigate. 

Item disputed XXXX XXXX XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I am a victim of Identity Theft and have a police report or FTC ID Theft report. 
Confirmation # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 non-monetary relief
Consumer complaint received 2023-10-28 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: MI

Complaint narrative:
( XXXX ) XXXX you have No Standing in using my identification.

( 2 ) XXXX  your note is not binding because it was not completed in a federal lender who orginates federal student loans website required for electronic signatures by the U.S. Department of Education and the Higher Education Act who governs the federal consolidation loan and for other important issues.

( 3 ) Transuion do not send my complaint to any agenies. Transuion just you mentioning this in your letter violatates the Fair Credit Reporting Act for accuracy in reporting. Transuion remove XXXX student loans off my credit report in 4 days. 

( 4 ) Nelnet I sent a complaint to the Michigan Attroney General Consumer Protection Complaint and XXXX responded with tell her to contact the Default Resoution Group.. XXXX just you mentioning for me to contact that agency violates the Fair Credit Reporting Act for accuracy in reporting on my credit reports I will not be contacting ED Default Resolution Group . 

XXXX your note was terminated XX/XX/2023 for not being done in the federal orginator lender website and other important issues. XXXX remove yourself off my credit reports immediately with in 4 days.

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 2023-10-28 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: MI

Complaint narrative:
( XXXX ) XXXX you have No Standing in using my identification. 
( XXXX ) XXXX  your note is not binding because it was not completed in a federal lender who orginates federal student loans website required for electronic signatures by the XXXX Department of Education and the Higher Education Act who governs the federal consolidation loan and for other important issues.

( 3 ) Transuion do not send my complaint to any agenies. XXXX just you mentioning this in your letter violatates the Fair Credit Reporting Act for accuracy in reporting. XXXX remove XXXX student loans off my credit report in 4 days. 

( XXXX ) Nelnet I sent a complaint to the Michigan Attroney General Consumer Protection Complaint and XXXX responded with tell her to contact the Default Resoution Group.. XXXX just you mentioning for me to contact that agency violates the Fair Credit Reporting Act for accuracy in reporting on my credit reports I will not be contacting ED Default Resolution Group . 

XXXX your note was terminated XX/XX/2023 for not being done in the federal orginator lender website and other important issues. XXXX remove yourself off my credit reports immediately with in 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a letter from Citibank dated XX/XX/XXXX asking me to contact the bank about a Savings Plus account ending in XXXX. I spoke with XXXX XXXX ( XXXX ) and provided him with the Know Your Customer ( KYC ) information over the phone. I also sent Citibank a copy of my valid New Jersey Driver License to CITI KYC ( XXXX ). I followed up on XX/XX/XXXX and again on XX/XX/XXXX to ensure the matter was resolved to their satisfaction. NO RESPONSE! 
I then received a second letter dated XX/XX/XXXX which stated that " Your account is at risk of being restricted. Information needed by XX/XX/XXXX. '' I called XXXX XX/XX/XXXX and spoke with " XXXX '' in XXXX, XXXX. Again, Citibank never got back to me to confirm the matter was resolved. 

Today, XX/XX/XXXX, I discovered that said Citibank Saving Plus account ending in XXXX is blocked ( Restricted ) and I can not access the {$1900.00} account balance. I called XXXX and spoke with Citibank KYC employee XXXX XXXX in Kentucky, but he needed permission to remove the block on my Saving Plus account. I need to withdraw the account balance but can not do so because Citibank is effectively holding me and the account co-owner ( XXXX XXXX  XXXX ) XXXX. I have documentation to prove that I complied with Citi 's KYC request. 

The Citibank KYC reference number is : XXXX - XXXX. 

Please help. I am a former Citibank Compliance Testing Vice President ( XXXX - XXXX ) and no one at Citibank appears empowered to change the posting status of the Savings Plus account so we can close it. 

I can be reached at XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2023-10-27 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: CA

Complaint narrative:
On the morning of XXXX I viewed the transaction history on my Wisely by ADP pay card and there was a transaction I did not make for {$14.00} made for or by XXXX XXXX XXXX XXXX. I immediately contacted the Wisely customer service center to report it and cancel the card. They have since given me the run around regarding this Transaction and then sent a notice with the finding that it was not a fraudulent transaction. Upon review and multiple attempts trying to discuss this issue with someone the only advice was to write a formal request to receive the documents used to make the decision and reopen the claim. So on XX/XX/2023 I mailed them a letter to the dispute address provide and have since still been given the run around and told they did not receive my request. I keep getting hung up on or told the only option is to wait for a call back but nothing is done. This is horrible to treat people like this and I understand people lie but if they looked at my transaction history and actually investigated they could see I did not make this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: TX

Complaint narrative:
On XXXX XXXX I was robbed at gun point and my purse was taken! I filed a police report and sent it to chime and they keep declining my dispute! I cant help I got robbed, Im still reviving from it mentally and emotionally! XXXX XXXX is the merchant and there was two transactions of {$250.00} that was stolen out my account! All of my information was stolen Drivers License etc! I also see unauthorized transactions from this company in XXXX that Ive attempted to address but never got a response from chime or XXXX XXXX!

Company response to consumer: Closed with explanation