vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
During a fight to Main XXXX, AAdvantage provided me a means to apply for a XXXX account XXXX I applied and the process was not completed because they said they needed more information. 

I tried to contact them several times and due to " pandemic '' the process was not complete, they are short in staff. 

I received a noticed that the time/window to apply ended in XX/XX/2022. So I reapplied again. 

Now I applied via online. 

The send me mail indicating I was not approved for the applicant. 
I have a credit score of XXXX the last two times I checked during the last 16 months. I also have paid existing debts that were opened. 

Note : They request to provide the amount on the house payment. If I include it, then I must include my wife 's income. All of the house is in her name and she makes all of the house payment.. 
House payment is almost XXXX XXXX/month My wife 's income is Almost $ XXXX. 
My income is $ XXXX and I do not have a house payment. 

The Citi Bank AAdvantage application is ID # : XXXX I received a denial letter printed on XX/XX/2022. 
Reason : XXXXHad submitted multiple applications. 

I have submitted multiple applications because the credit agency is not providing me a means to complete neither the first one nor the last one I just submitted. 

and my credit score continuos to be over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX } OR BY FAX : XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX MORTGAGE XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period youre allowed for disputes. 

Truly, 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 2022-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
This is the second time American Express has allowed a fraudulent account to be opened in my name. The only way I knew is because a statement was sent to my address. This is unauthorized use of my social security number pursuant to 15 USC 1602 ( p ) and a violation of my privacy and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX RE : Investigation Request to Delete Credit Inquires To Whom it May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to challenge questionable information that I have found on my personal credit report. It has come to my attention that you have REAGED an account. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. XXXX XXXX XXXX XXXX REAGING I am allowing you 30 days to complete this investigation and remove this account from my profile. XXXX took it upon themselves to delete this problematic account from my history without me asking so now I know you should be able to do it too. If this account is not removed, I will be reporting Experian and XXXX XXXX for illegally aging an account that was previously set to close on XX/XX/2025 to the Federal Trade Commission and Attorney General. 

Truly, 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 2022-02-13 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: PA

Complaint narrative:
I have contacted the credit bureaus multiple time XX/XX/2022 being the last time disputing inaccurate and illegal reporting practices by the debt collector and credit bureaus that are reporting late payments, balances and fraudulent information that they where made aware of with phone calls, letter and documents sent by me with proof. The collections and charge off account continues to ignore my request for proper validation of the accounts that are show inaccurate information on my report. The credit bureaus keeps verifying the information which keeps causing harm to my file and ignore the inaccurate pointed out that the accounts show as open, they are reporting credit limits inaccurately and they are reporting balances which is a valuation and they are reporting missed payments on closed accounts that has no active contracts or accounts. Please enforce the law on to the credit bureau.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The website XXXX offers free credit reports every week from TransUnion, XXXX and XXXX. These 3 companies have blocked me from obtaining my free credit reports from this website and each time I try, they say : We are unable to process your request... please mail your request.. '' Please see the attached files. This has been happening for almost 2 years, that I am unable to obtain my reports from this website.

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 2022-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello. I am the vicitim of online debit card fraud. On XXXX-2022, I noticed XXXX unrecognized charges on my checking account from " XXXX '' ( {$0.00} ), " XXXX XXXX XXXX '' ( {$200.00} ), and " XXXX XXXX XXXX XXXX XXXX CA '' ( {$230.00} ). I immediately reported the fraudulent charges to Chase Bank. Chase closed my debit card and sent me a new one. The XXXX charge disappeared, and I was refunded for the XXXX charge. However, my claim for the XXXX charge was rejected by Chase on XXXX-2022. I contacted Chase to dispute the rejection of the XXXX claim, and I was told that I need proof that I did not make the purchase. I was also told that the claim was rejected because the billing address used for the purchase matched the address Chase has on file for me. I did not make any of those purchases, and I have never conducted business with those companies. I reported the crime of the fraudulent bank debits to the Federal Trade Commission ( FTC ) on XXXX-2022. My FTC Report Number : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX, I sent a certified letter to Transunion disputing inaccurate reporting of three accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The numbers reported are only partial account numbers and there is no legal way to verify or prove these accounts belong to me. They have failed to provide a resolution within the 30 days as stated in the FCRA. I demand that the negative, erroneous items be removed from my credit report immediately. This hurt me from getting a car loan. 

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 non-monetary relief
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The website XXXX offers free credit reports every week from XXXX, XXXX and Equifax. These 3 companies have blocked me from obtaining my free credit reports from this website and each time I try, they say : We are unable to process your request... please mail your request.. '' Please see the attached files. This has been happening for almost 2 years, that I am unable to obtain my reports from this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
The website XXXX offers free credit reports every week from XXXX, Experian and XXXX. These 3 companies have blocked me from obtaining my free credit reports from this website and each time I try, they say : We are unable to process your request... please mail your request.. '' Please see the attached files. This has been happening for almost 2 years, that I am unable to obtain my reports from this website.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ITEMS WAS DELATED FROM MY CREDIT REPORT HOWEVER THE ITEMS IS STILL SHOWING ON MY CREDIT REPORT AFTER RECEIVING NOTICE FROM EXPERIAN THE ITEMS IS REMOVED

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX, I sent a certified letter to Experian disputing inaccurate reporting of XXXX accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The numbers reported are only partial account numbers and there is no legal way to verify or prove these accounts belong to me. They have failed to provide a resolution within the 30 days as stated in the FCRA. I demand that the negative, erroneous items be removed from my credit report immediately. This hurt me from getting a car loan. 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 non-monetary relief
Consumer complaint received 2022-02-13 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file 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 non-monetary relief
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: VA

Complaint narrative:
I've requested Tek Collect to validate the debt in the amount of {$280.00}. Tek Collect sends a statement of services and my patient registration information. This does not constitute validation of the debt they allege owed to Tek Collect. Tek Collect is defaming my character by reporting a derogatory collection account to my credit file. For there to be an enforceable claim all parties must consent to contract. I have never given consent to contract with Tek Collect. I have been asking Tek Collect to substantively respond to the following question : Show me your lawful authority to enforce a debt claim against me to my detriment without my consent. If they will not substantively answer, they must cease and desist and immediately remove any derogatory reporting to the credit bureaus. 
Further there is discrepancy with the date opened that is being reported. ( please see attached ). 

Further I am requesting Tek Collect Provide written confirmation this matter has been permanently resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: WI

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. 

Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file 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 2022-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Today on XX/XX/2022 I logged in to my XXXX XXXXXXXX account to accept a offer I received in the mail for a increased credit amount on a new credit card, as I was reading the many options XXXX XXXX  has to help with shopping managing my account ect..I clicked to register for automatic credit report monitoring by XXXX  XXXX, also I was curious what was my new score than qualified me for a higher credit limit...

Now when I see my credit score it went down alot in Just a few days ... I felt something must be wrong.. 
XXXX XXXX was able to show me any debts or accounts I have or have had.. 
I never had or have an American express card .FURTHERMORE, NONE OF TGE DEBTS IM SEEING ON MY REPORT WERE CREATED OR DONE BY ME..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: NJ

Complaint narrative:
So I hope this is the correct form. 
I tried this. It now pay later thing. ( Quadpay ) aka zip pay. You pay in 4 installments. These people are thieves. They charged my card for an item that was not delivered. I complained to the bank and they disputed the item. 
The card for the second installment was turned off as I had the bank replace it. Rather then them call me and ask whats going on, they fraudulently charged one of my other cards on file without my authorization. This is stealing. I dont understand how they can just do this. You ask not assume. Ive disputed the item again with the bank as its fraud. 

I just want people to be aware of things like this. This is completely unfair.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation