vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Had problem with a merchant. Filed a dispute with XXXX XXXX on XX/XX/XXXX after attempting to solve with merchant 3 times. 
Was told repeatedly that claim was solved in my favor by XXXX reps and a supervisor in XX/XX/XXXX. I have been told a different scenario almost each and every call I have made. I am told " '' '' rep didn't document call for XXXX mins '' " we do not know why claim agent did not call '' " we will put in another request for them to call '' " we have no record of that '' etc etc. 
As a matter of fact the charge of XXXX has been added and removed XXXX separate times. 
Now the charge was reversed again on XX/XX/XXXX and after faxing the entire story yet again on XX/XX/XXXX I was denied an appeal. I have called several times over this. All calls have been documented by the main US Bank. They have had me wait to talk to a case XXXX XXXX separate times ( they never call in XXXX hour period as you are told ) I have to call again and again. Now I'm being told there is no one to take my call directly for the claim. I am awaiting call records from bank to show all the calls I have needed to make to this department. And now they are denying me an appeal even though I have submitted more documentation within the 10 day appeal period. They claim since I paid for service I can not dispute it saying their hands are tied. But my issue is with a rental company that takes payment upfront. This was all stated to them many times verbally and in writing. Vehicle was mechanically broken, I was denied another functioning vehicle from the XXXX XXXX and falls under customer goods and services " NOT AS RECEIVED '' rule which they are fully ignoring.

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 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX, 2021 {$420.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.

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 2021-12-08 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX and XXXX This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them.

DEPTEDXXXXI do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account

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 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX  and XXXX This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them.

DEPTEDXXXXI do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account

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 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2021-12-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX THE ORIGINAL CREDITOR NATURAL CONSUMER, FCRA RIGHTS HAVE BEEN VIOLATED BY XXXX XXXX AND EQUIFAX. THEY ARE REPORTING A FRADULENT ACCOUNT BY ( ONLINE INFORMATION SERVICES ) ON MY CREDIT REPORT. 15 USC 1681B STATES THAT THE CREDIT BUREAUS NEEDS MY CONSENT TO REPORT ANYTHING ON MY CREDIT REPORT. I XXXX XXXX NEVER GAVE THEM ANY CONSENT TO REPORT THIS FRADULENT ACCOUNT ON MY CREDIT FILE, I NEVER HAD ANY DEALINGS OR BUSINESS WITH THIS DEBT COLLECTOR. THIS INFORMATION IS FALSE MISLEADING UNFAIR PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX I HAVE ENCLOSED MY FTC 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 non-monetary relief
Consumer complaint received 2021-12-08 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: FL

Complaint narrative:
I the consumer submitted a CFPB complaint ( ID # XXXX ) for experian on XX/XX/XXXX which is provided as exhibit A. That complaint was made because i sent a dispute letter regarding accounts and didnt get a response. In the response to the complaint Experian stated that they did an investigation and verified that all accounts were verified as accurate. Experian is currently reporting that the XXXX  XXXX account open date is XX/XX/XXXX and the last payment date is XX/XX/XXXX which is provided as exhibit C. In exhibit B i have a statement from XXXX XXXXe stating that the date the account was open was XX/XX/XXXX and the last payment date as XX/XX/XXXX. This shows that Experian is currently reporting inaccurate information on my report after stating they verified everything reporting was accurate. This is not the time to update information due to that should have been done after the first letter was sent. Now that i have pointed out these mistakes, by updating information will be admission of XXXX There is no way experian could have done a proper investigation in accordance with 15 USC 1681i due to the inconsistencies coming after my first dispute. I demand that this account be deleted immediately or i will have no choice but to seek legal counsel in regards to the amount of Federally Violations under FCRA experian is currently committing.

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 2021-12-08 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy federal, XXXX, XXXX And XXXX has violated my rights under the FCRA which has cuased actual damges of XXXX XXXX XXXX XXXX XXXX Defame of character, and Reduction of credit limit I've sent out several letters the last one dated on XX/XX/2021 that none of the companies named above responded to I Will attach document to the complaint. I Also have corespondence from XXXX federal stating they could not do a proper investigation which means the account should have been removed I asked for an original document bearing my signature and no one was able to provide me what I requested. They just kept saying that the account was validated but an account can not be validated without a contractual agreement bearing the consumers wet signature. XXXX XXXX and XXXX allowed Navy federal to report account # XXXX account # XXXX Knowing the accounts are inaccurate. Transition and XXXX closed the accounts instead of removing the account and XXXX has not taken the time to do anything at all. I will attach all supporting documentation and I Demand for the account 's to be removed immediately from my consumer report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
MISLEADING FALSE REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/21 Disputed transactions unauth thru chime. There were XXXX transactions. They claim provisional credit can not be issued because some of the transactions within the claim are older than 60 days. The last statement which contained the first notice of the charges was XX/XX/XXXX at that point everything moving forward from XX/XX/XXXX should be eligible for provisional credit they are claiming because there are some transactions older than 60 days as of the date of my filing none of these are issued for provisional credit I asked then to split up the dispute for the ones older than 60 days and the ones newer than 60 days they have refused to do this I have quoted regulation e and they refuse to do anything further with this process except give out blanket emails and read a robotic statement on their computer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received a promotion from Citibank last XXXX. If you opened a new savings account and maintained a certain balance for 60 consecutive days, the bank would pay {$100.00} to your new account within 90 days of fulfilling all the obligations. I opened the account in XX/XX/2021, and the 60 days were up on XX/XX/2021. I waited the full 90 days, but never received the {$100.00}. I contacted the bank on XX/XX/XXXX to find out what happened. The bank acknowledged that I fulfilled all the obligations but told me that the {$100.00} bonus would not be paid until XX/XX/XXXX. I told them that date is beyond the 90 days, as XX/XX/XXXX would be 120 days. They said " we can do nothing about it. '' This is a perfect example of bait and switch. They lured me with the promotion but are violating their own rules about paying the bonus. Banks must not be allowed to get away with such fraud. In this case, I would like the bank to pay me my {$100.00} promotion immediately. In addition, the bank should be assessed a {$100.00} penalty fee payable to me for their duplicity and the XXXX  and XXXX I have endured.

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 2021-12-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, my older brother XXXX XXXX asked me to co-sign on a vehicle that he planned on financing in the state of Florida. To my knowledge, the account was closed out in XXXX in the amount of {$6300.00}. My credit report ( attached ) also shows the account as closed. On three separate occasions over the course of 3 years, I have had to explain why a closed auto loan from SANTANDER CONSUMER USA INC has shown up as a collection mark on my credit report. On XX/XX/XXXX, I contacted XXXX XXXX XXXX to get a debt deletion letter, since I plan on purchasing a home soon. The manager, XXXX XXXX promised to send the letter on two separate occasions and has still not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: CA

Complaint narrative:
Hello I sent a dispute for my closed XXXX XXXXXXXX XXXX account to all XXXX credit bureaus on XX/XX/XXXX and didnt get my dispute results until XX/XX/XXXX from XXXX and XX/XX/XXXX from transunion and XX/XX/XXXX from XXXX which is over the 30 days. All XXXX bureaus after reported it as a charge off on my account in XXXX wrongfully when the account was closed in XXXX and now it is affecting me even worse to XXXXe point where its harming my credit file and I cant obtain anything as I am trying to buy my first home.

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 2021-12-08 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: CA

Complaint narrative:
Hello I sent a dispute for my closeXXXX XXXX XXXX XXXXXXXX account to all 3 credit bureaus on XX/XX/XXXX and didnt get my dispute results until XX/XX/XXXX from XXXX and XX/XX/XXXX from transunion and XX/XX/XXXX from equifax which is over the 30 days. All 3 bureaus after reported it as a charge off on my account in XXXX wrongfully when the account was closed in XXXX and now it is affecting me even worse to XXXXhe point where its harming my credit file and I cant obtain anything as I am trying to buy my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/21 someone charged XXXX on my BOA credit card and bought merchandise from XXXX XXXX. On XX/XX/21 I called BOA fraud and reported the information. On XX/XX/21 I received a letter from BOA stating the claim had been resolved and a credit for XXXX had been put back into my account. On XX/XX/21 I received another letter that could not approve my claim, saying that someone in my home had made the charges. I called BOA and told them that I'm the only person that lives at my address. She continued to tell me that someone either in my home or had authorization to use my card. I asked her if she had a name. She said yes it is XXXX XXXX. I told her that my XXXX XXXX on XX/XX/21 and prior to that he was in a XXXX home. She told me that there was nothing right about this and she would turn it in to the fraud dept. I have made at least a half dozen calls to BOA and get a different answer every time.I have also written a letter and a copy of my husbands XXXX XXXX I appreciate any help I can get to resolve this matter. 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 2021-12-08 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: FL

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 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Around 8 days ago I went into a XX/XX/11 and made a cash deposit of around {$310.00} dollars i put this cash on my chime card. Later on that day I tried to use my card and the transaction was declined. I tried to get online to view my account balance and my online access was declined. I called chime and the representative stated that my account access was frozen until further investigation. I asked what was being investigated and they stated a transfer from XXXX XXXX that was declined and they asked if i initiated this transfer and i stated " yes '' i initiated the transfer of funds prior to the XXXX XXXX account being closed and I was unable to unlink the XXXX XXXX account from the chime account due to my chime online access being denied. They stated all they needed was my 1. I.D 2. UTILITY BILL OR SOMETHING OF THE SORT WITH MY NAME AND ADDRESS ON IT 3. THEY NEEDED VERIFICATION THAT I WAS IN FACT THE XXXX XXXX ACCOUNT HOLDER AND I GAVE ALL THE ITEMS REQUESTED I EVEN WENT INTO THE XXXX XXXX BRANCH WITH THE BRANCH MANAGER BY MY SIDE TO CONFIRM I AM THE ACCOUNT HOLDER AND CHIME STILL REFUSES TO RELEASE MY MONEY ITS BEEN 8 TO 12 DAYS NOW AND I CALLED BACK CHIME TO CONFIRM THAT EVERYTHING WAS RECEIVED THEY SAID YES WHY ARE THEY STILL HOLDING MY MONEY WITHOUT ME BEING ABLE TO ACCESS ONLINE OR THRU ATM. PLEASE HELP. THIS IS NOT FRAUD I AM A SINGLE PARENT. I AM A TAXPAPER. I AM AN HONEST HARD WORKING CITIZEN OF THE U.S. AND I DON'T UNDERSTAND HOW A COMPANY CAN OPERATE WITH SO MANY COMPLAINTS ONLINE I KNOW XXXX OTHER PEOPLE THAT HAVE THE SAME ISSUE. ALL THE ITEMS ARE PROVIDED AND CONFIRMED RECEIPT HOWEVER FUNDS ARE STILL FROZEN AND I HAVE BILLS TO PAY. PLEASE HELP! CHIME MUST BE STOPPED!!

Company response to consumer: Closed with explanation