vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My car loan with XXXX XXXX XXXX was paid in full back on XX/XX/XXXX and a payoff letter was sent to my to verify. I then submitted a dispute with Experian so they would proceed to review/confirm and update this on my credit report. They had enough time to simply resolve this issue and I verified with XXXX they communicated this info to all 3 bureaus. 
Because Experian did not perform their due diligence my total debt has increased to {$100000.00} due to {$43000.00} not being erased from my debt. Now XXXX has reported the new vehicle I have ( no longer have the XXXX ) and an additional {$33000.00} has been added which is all that should be reflected as a installment loan. So my score has dropped my debt increased and its affecting my credit, its unfair inaccurate and I am very dissatisfied with these terms of action.

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 2023-10-06 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: MN

Complaint narrative:
The credit bureaus XXXX, Transunion and XXXX are reporting information that I do not recognize as correct, I have repeatedly sent letters asking them to report correctly, but they do not, they report some duplicate accounts and continue to say that they are correct.

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 2023-10-06 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: TN

Complaint narrative:
XXXX XXXX reported delinquent payment XXXX XXXX on my credit report but sent letter saying I had until XX/XX/XXXX to pay balance. I payed off balance ; I owed {$360.00} and had to pay {$690.00} XXXX XXXX. I have proof as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I disputed a Charge with barclays and they are not siding with me because they don't understand how to read the merchants policy. They told me they are not attorneys. So because they are misunderstanding the policy they will not side with my dispute. The dispute involves a purchase of an airline ticket. I bought the ticket and asked for the merchant to cancel within 3 hours of the purchase. Their contract of carriage allows all tickets to be canceled within 24 hours unless the trip is within 7 days of travel. So I purchased the ticket months in advance and I sent a cancel email within a few hours. The department of Trasnportation that regulates airlines put this law into place to protect consumers. Barclays has failed to be able to comprehend the law and contract of carriage. I need help

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 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of James R. Vaughan, P.C.
State: AZ

Complaint narrative:
XXXX to XXXX years ago my husband did a flooring job and it was destroyed by other trades working in the home. The last judgement was the judge telling both my husband, the owner of the flooring company, and the customer to work it out in the hallway of the court. They came to an agreement and that was the end of it. It was a XXXX XXXX dollar agreement. 
We took care of my mother for XXXX years. She had Parkinsons and was in a wheelchair. Because I was physically destroyed after lifting my mother for XXXX years I was given her life insurance of XXXX XXXX dollars. My mother passed away, the insurance deposited the check and the second it went in the bank account, XXXX XXXX XXXX  XXXX  to the entire XXXX XXXX dollars out of the bank. We didnt owe anyone money so it took several days to find who and why the money was taken out. We called the debt collector and they said tough luck for us. They said there wasnt anything we could do. 
I tried to XXXX XXXX. I was so shocked I couldnt get out bed for over a year. We are people that planned on that for the only retirement we would have. Leaving no money in the bank everything began to bounce and it overdrew our bank account XXXX XXXX dollars. We had to sell our belongings to pay the rent and keep the car. 
What a world we live in. Mind blowing fraud but we had No defense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
CRAs took way over the 30-45 allotted time to get back to me with their verification process on how they verified items they were reporting that was inaccurate and violating United States Codes that protect me and other consumers! 

The accounts in question and wanting the process for are : XXXX XXXX XXXX XXXX ( which gets removed and added back without sending document on re adding ) XXXX XXXX XXXX XXXX XXXX ( debt collector who will not leave me alone ) XXXX XXXX XXXXXXXX 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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have been trying to get my money back from chime for a long time. They have told me there is no funds and the get them back from the person that sent the funds and that is the IRS. They have not given the funds back to the IRS for them to even get them back. The amount in question is {$2000.00}. I have been on the phone with them many times telling me lies and the I should be getting a closer check but never have. I would like to know how to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: FL

Complaint narrative:
I was a victim of identity theft. XXXX was one of the credit cards that were fraudulently taken out in my name. I spent hundreds of hours trying to correct it. They would not cooperate with Sheriffs Dept until they were threaten with the state attorney. I had to get a lawyer before they would take it off my credit report. This was around XX/XX/21 Then out of spite I'm guessing they sold this off to a credit collection agency. I was notified around XX/XX/XXXX of this year by ACI that I owed money on this debt again of identity theft! I explained to them I did not owe them. I was hung up on. And harassed me repeatedly. They called family and friends telling them about my file! Recently found out they hit my credit with this debt again after it was taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Debt collector phishing for personal information not required for communication

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I woke up this morning trying to buy food for my kids just to find out they locked my account and now talking about, I have to wait on a reference number for the 50th time in 2 months! But always wan na charge extra for the XXXX account. I asked the representative to tell my why my account is lock but they all just hangs up on me!!! I want my money out this account and this account closed!!!! I absolutely hate this bank with a passion

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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I disputed a charge from XX/XX/XXXX  for {$67.00} for an order from XXXX XXXX  which was never received. I was given a conditional credit on my credit card statement. On XX/XX/XXXX  Capital One reversed the conditional credit, apparently indicating that I lost the dispute. 

Capital One gave me no chance to submit complete information about the dispute. Capital One never told me of the vendor 's response to the dispute. Capital One never gave me a chance to contest the vendor 's claim to the dispute. Capital One never even told me the resolution of the dispute, they just snuck the new charge into my statement calling it a " Purchase Adjustment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: VT

Complaint narrative:
IC System settled a debt with me, then sold the full debt to another debt collector. Then pretended they never heard of me. Below is a screenshot of my credit report with them before they sold it to another company

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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened my account, After a couple of weeks I was trying to put the minimum amount of money to avoid fee charges and my account was blocked. 

All the transactions I made were done by me via XXXX wirh my other bank accounts. 

They are saying they are working on this but I find it outrageous that my account got closed without any prior notice email or something to back up their actions

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2023, I submitted dispute letters to have accounts removed that were reporting inaccurately as well as reporting things that violate my Consumer Law Rights! The accounts that I reported were : XXXX XXXX ( which is the one I need remove the most due to the most violating done ) XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2023, I submitted dispute letters to have accounts removed that were reporting inaccurately as well as reporting things that violate my Consumer Law Rights! The accounts that I reported were : XXXX XXXX ( which is the one I need remove the most due to the most violating done ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-06 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:
Request that they remove inaccurate info from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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:
Request that they remove inaccurate info 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 non-monetary relief
Consumer complaint received 2023-10-06 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: TX

Complaint narrative:
Request that they remove inaccurate info 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 non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I need to activate my service in all wire transfer domestic

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are inaccurate reporting on my report. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: Receivables Management Corporation of America
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts and their balances ( two accounts one in the amount of {$4100.00} and the other {$1200.00} ) from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I'm having difficult to unfreeze my security credit over 1 month have been calling them every day, still yet not show up

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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
around last year I made multiple charges with my apple card. the limit was XXXX} I traveled with the limit XXXX} when i came back the charges was around {XXXX} i filed a dispute with them and they denied it. i believe it is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a holder of the Chase Mastercard ( XXXXXXXX XXXX  card ). " XXXX '', the partner of the Mastercard, advertized this deal below : XXXX XXXX XXXX XXXX XXXX  returns, from XX/XX/XXXX XX/XX/XXXX, with incredible prix-fixe menus across the five boroughs and exclusive savings for Mastercard cardholders . 

Register your Mastercard now to automatically earn statement credits on qualifying meal purchases and NJ TRANSIT rides throughout the festival. 

Earn a {$10.00} statement credit each time you spend {$45.00} or more on meals at participating restaurants across the City up to {$30.00} STATEMENT CREDITS ON NJ TRANSIT Receive a {$10.00} statement credit when you spend {$20.00} or more on NJ TRANSIT using the same registered Mastercard up to {$30.00}. 

I have an issue with getting rightfully earned credits for the NJ Transit purchases. 
I have made 3 purchases of {$26.00} each in the first half of XX/XX/XXXX. Two purchases on my card show the train station XXXX and the third purchase shows XXXX train station. I have recieved only one credit of {$10.00}, and still missing two other {$10.00} credits for other two purchases. I have been calling their partner " XXXX '' at XXXX XXXX XXXX XXXX numerous times since late XXXX, and even the case number was opened which is XXXX. Everytime I call they are escalating the issue or promise that I will get a payment within 48 hours. I still did not get the payments after 40 days since I started calling them. I have called the Mastercard on XX/XX/XXXX, and again it was the same thing : " We will escalate the issue, and you will get something in 48 hours '' The last representative as well as the previous representatives from " XXXX '' promised to call me back to inform me about what is happening, but of couse they never call back. Please help me to get my {$20.00} ( $ XXXX {$10.00} ) credits. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
After reviewing my Lexisnexus consumer report I noticed a lot of name and address inaccuracies. There are names and addresses that dont identify as me and I never been associated with.

Company response to consumer: Closed with explanation