vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain credit.

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 2022-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I purchased an item online at circut.com for XXXX dollars XX/XX/XXXX. I never received the package to this day. I filed a dispute with the bank us ReliaCard on XX/XX/XXXX. They told me it could take up to 120 days. I called to check on it periodically. Then on XX/XX/XXXX of XXXX they stated no error had occurred. I called them right away and they told me the Merchant stated they delivered the package, which they never even asked me they just sided in their favor. Author called the post office in my town and was explaining the situation and gave the tracking number of the package. The post office looked it up immediately and mailed me a letter stating that it did not come to my address and listed the address it went to. I faxed over paperwork to us bank ReliaCard fax number. I called to keep checking on results from submitting papers, the XXXX time the representative stated I would receive the money on XX/XX/XXXX when the 120s days ended. After that the next representative had told me my claim was closed and that I would need to call and keep reopening my claim. Last day I talk to XXXX very knowledgeable he apologized over and over and over again because he said since Ive been calling and everything and since I faxed in the paper from the post office that no ones even filled out the paperwork and the claim shouldve only took 120 days even after I sent in the paperwork, so and he gave me a ticket number and thats what I called them today for was to check on that because XXXX told me to call in 3 days and the lady would not even look up my ticket number she said they closed the case again and that it was in the Merchant favor. I without trying to lose everything that I have, I was like how theres no way, The receipt for where I paid the XXXX dollars .I have a letter from the post office stating that the package did not come to my house and lists the address it went to. Then she tells me that she would have the right another ticket number which I got today from her and send me the information in the mail she would not even talk to me about it and why they choose the Merchant. I did ask to speak with a manager or supervisor and she stated she was the only higher up there at that time. That being is why now filing a complaint. I will send all the documents I have to go with claim.

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 2022-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and I noticed there were inquiries listed that I did not recognize. 
I contacted ( cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act.

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 2022-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
RE : XXXX XXXX Business Streamline Checking Account Number : XXXX Dear Consumer Financial Protection Bureau ( CFPB ), While visiting a Citibank branch on XX/XX/2021, I opened a new Business Streamline Checking Account. According to the business relationship banker who opened my account and the Citibank website, I was eligible to receive a {$1500.00} sign up bonus if I ensured the following conditions were met : Within 30 days of opening your account Qualifying Balance Period, deposit {$100000.00} new-to-Citibank funds into the Streamline Business Checking Account Maintain balance of {$100000.00} for 60 days after the " Qualifying Balance Period '' o Qualifying Balance Period = 30 days o Maintain balance of {$100000.00} = 60 days o Total amount of days = 90 days I have met all of the aforementioned conditions to be eligible to receive the sign-up bonus. Below is a chronological order of events which illustrate that I in fact met all the conditions required by Citibank : XX/XX/2021 : Opened account XX/XX/2021 : Deposited {$100000.00} new-to-Citibank funds into my new Streamline Business Checking Account As required by Citibank, I funded the account within 7 days ( requirement is within 30 days ) As required by Citibank, I maintained a minimum balance of {$100000.00} in my new Streamline Business Checking Account for a period of 93 days through XX/XX/2021. Citibanks requirement was a total of 90 days : o Qualifying Balance Period = 30 days o Maintain balance of {$100000.00} = 60 days On or around the 5-month mark after opening this new account I became very concerned that the bonus I earned was not yet awarded to me. I immediately called Citibank to try and resolve the issue, but after 4 telephone calls, 3 hours waiting on the telephone for someone to answer my call and address my concerns, my issue remains unresolved. 

I am 100 % confident that I have met the required conditions and am eligible to receive the {$1500.00} sign up bonus. 

I am hoping your organization can help me. 


Thank you, 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 monetary relief
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems. Agreed to Forebearance of 6 months and a settlement amount of XXXX. They are not reporting the forebearance as promised. remove from my credit report until XX/XX/2022 and during this time I will settle the account for XXXX as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and I noticed there were inquiries listed that I did not recognize. 
I contacted ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and I noticed there were inquiries listed that I did not recognize. 
I contacted ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act

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 2022-01-23 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: TX

Complaint narrative:
After contacting Experian on numerous occasion through certified mail regarding XXXX XXXX. They are continuing to report this inaccurate account. This is defaming my charter. Experian is the only bureau reporting this the account. This goes against FCRA requirements and guidelines. Experian knows this is against but they continue to report it anyway. I have attached a screenshot showing that westlake financial was deleted from XXXX and XXXX because the XXXX XXXX  account wasnt in compliance with the FCRA laws. Please be advised that Experian is aware of this violation but they continues to violate my rights as a consumer.

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 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is practicing illegal reporting. Experian purposely is reporting inaccurate addresses on my credit report even after being notified on numerous occasions that the addresses was/is NOT MINE. Experian is defaming my charter by illegally reporting addresses on my credit report that doesnt and never have belonged to me. I have been denied credit because of this issue as well.

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 2022-01-23 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: SC

Complaint narrative:
This company have infringed my rights as a consumer and refuse to remove the inaccuracies on my consumer report. I have sent in multiple disputes stating violations and inaccuracies that's on my consumer report. They have refuse to give me proper validation I asked for. Took over 45 days to look into the problem and refuse to give me a clear answer and without the information i asked for, and ignored my rights as a consumer, ignored the laws of the FCRA. They have continuously ignored 15 USC 1681e ( b ), 15USC 1681a ( 2 ) ( B ), and 15USC1681b ( 2 ) ( 3 ) repeatedly. For them refusing to remove these inaccuracies on my consumer report makes them civilly liable, which is {$1000.00} for each violation they commit under 15 USC 1681n. I have been keeping a paper trail of everything I sent them and they received concerning the inaccuracies on my consumer report, so I have proof of their negligence, by them refusing the laws has hindered me from lots of things, and has cost me stress. I want those items removed immediately. This is unfair and unjust for me as a consumer, and they are not doing their job as a reporting and ensuring maximum accuracy. These items are not suppose to be on my report, and i want them 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 2022-01-23 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: SC

Complaint narrative:
This company have infringed my rights as a consumer and refuse to remove the inaccuracies on my consumer report. I have sent in multiple disputes stating violations and inaccuracies that's on my consumer report. They have refuse to give me proper validation I asked for. Took over 45 days to look into the problem and refuse to give me a clear answer and without the information i asked for, and ignored my rights as a consumer, ignored the laws of the FCRA. They have continuously ignored 15 USC 1681e ( b ), 15USC 1681a ( 2 ) ( B ), and 15USC1681b ( 2 ) ( 3 ) repeatedly. For them refusing to remove these inaccuracies on my consumer report makes them civilly liable, which is {$1000.00} for each violation they commit under 15 USC 1681n. I have been keeping a paper trail of everything I sent them and they received concerning the inaccuracies on my consumer report, so I have proof of their negligence, by them refusing the laws has hindered me from lots of things, and has cost me stress. I want those items removed immediately. This is unfair and unjust for me as a consumer, and they are not doing their job as a reporting and ensuring maximum accuracy. These items are not suppose to be on my report, and i want them 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 non-monetary relief
Consumer complaint received 2022-01-23 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: SC

Complaint narrative:
This company have infringed my rights as a consumer and refuse to remove the inaccuracies on my consumer report. I have sent in multiple disputes stating violations and inaccuracies that's on my consumer report. They have refuse to give me proper validation I asked for. Took over 45 days to look into the problem and refuse to give me a clear answer and without the information i asked for, and ignored my rights as a consumer, ignored the laws of the FCRA. They have continuously ignored 15 USC 1681e ( b ), 15USC 1681a ( 2 ) ( B ), and 15USC1681b ( 2 ) ( 3 ) repeatedly. For them refusing to remove these inaccuracies on my consumer report makes them civilly liable, which is {$1000.00} for each violation they commit under 15 USC 1681n. I have been keeping a paper trail of everything I sent them and they received concerning the inaccuracies on my consumer report, so I have proof of their negligence, by them refusing the laws has hindered me from lots of things, and has cost me stress. I want those items removed immediately. This is unfair and unjust for me as a consumer, and they are not doing their job as a reporting and ensuring maximum accuracy. These items are not suppose to be on my report, and i want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: AES/PHEAA
State: TX

Complaint narrative:
I've continued to receiving notice that XXXX has " Verified As Accurate '' all Us Dept of Education student items on my Consumer report. How are they saying Verified it belongs to me. First I've never disowned the ownership of the student loans I've simply tried excising my rights to Inquire information since these have been placed on my credit report. I can not get a great paying job even though I am college educated because I have 13 Student loans in Collections reporting inaccurate and incomplete. Theres a hand full of violations but XXXX continues to ignore my disputes and my factual disputes I've sent in. 

Student Loans are classified as Collections but reporting a " Late '' payment after being closed It's a violation to have a " Monthly '' payment being reported on a collection It's a violation to have a " Balance '' being reported on a collection It's a violation with the account is " Closed '' but activity continues being reported on a collection It's a violation to continue reporting " COL '' every month on a collection It is a Violation to continue changing my " Date of Last Activity '' all because the collector wants to illegally collect. 

1. US Dept. of Education XXXX 2. US Dept. of Education XXXX 3. US Dept. of Education XXXX 4. US Dept. of Education XXXX 5. US Dept. of Education XXXX 6. US Dept. of Education XXXX 7. US Dept. of Education XXXX 8. US Dept. of Education XXXX 9. US Dept. of Education XXXX 10. US Dept. of Education XXXX 11. US Dept. of Education XXXX 12. US Dept. of Education XXXX 13. US Dept. of Education XXXX Please tell me how and what you did to Verify? Please do a independent Investigation.. After you have investigated send me everything pertaining to the investigation.. If it's not thorough please Delete because this is killing my ability to provide for my family.. I have a new born son with no job, no car to get him to doctor appointments. 

No one with finance or extend credit with this being reported inaccurate and incomplete Please have empathy and do the right thing..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: TX

Complaint narrative:
After carefully reviewing my credit report. I noticed XXXX and Experian are still illegally reporting an inaccurate/alleged account after being notified of this on numerous occasions. Under the laws and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL In addition, if Experian and XXXX singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to XXXX XXXX remedies. 

Furthermore, the bureaus are hereby notified that at no point in time and under no circumstances is the company ; an employee of Experian and XXXX company ; a representative for Experian and transunion company or affiliates are to contact me or any family members by any means other than the XXXX mail system and responses through the cfpb.

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 2022-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: IN

Complaint narrative:
Veterans United home loans states to the property of XXXX and XXXX XXXX that we are missing a payment, first they say we were missing XXXX payment now theyre saying were missing XXXX payment Info from my banking transactions how I pay my bills is still banking online one XXXX XXXX we have shown all the monies coming out the check it was sent when the check was cashed and I have sent them all the information and Ill they keep saying is we dont have enoughXXXX XXXX we received a mortgage and Home exemptions which is still not been applied to our account we have talked to several people at least every three weeks since XX/XX/2021 and Im still getting the same runaround where theyre not writing anything down and I have to keep going through the same process in the meantime it has destroyed my credit XXXX now my credit score is 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 2022-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After carefully reviewing my credit report. I noticed transunion and XXXX are still illegally reporting an inaccurate/alleged account after being notified of this on numerous occasions. Under the laws and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL In addition, if XXXX and transunion singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to XXXX XXXX remedies. 

Furthermore, the bureaus are hereby notified that at no point in time and under no circumstances is the company ; an employee of XXXX and transunion company ; a representative for XXXX and transunion company or affiliates are to contact me or any family members by any means other than the XXXX mail system and responses through the cfpb.

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