vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizens Bank XXXX XXXX XXXX Citizensbank.com Claim number XXXX There Was an Unauthorized Transactions from the savings account for XXXX XXXX XXXX XXXX XXXX an the Checking. One of the dates is XX/XX/2023 for XXXX from the checking. We was informed by several spokesperson at the call center labeled representatives who title by the first name bases of XXXX XXXX XXXX XXXX they all stated that the account would be credited but never was. 

Only to find out later from calling and speaking to XXXX who was rude an unable to locate my account claim for most of the call witch was per 30 minutes before transferring me to a supervisor per request only to find out I was misinformed for days an days by multiple staff an spokesperson/representatives. This offense happened back in XXXX an still being handled with low regards. There should be a serious look taken as to why the delay an why the lies an games. I wan na contact the attorney general. Why the delays? This matter should be expedited Here at XXXX XXXX XXXX XXXX XXXX were in total lost at this point an time cant be replaced this is suffering us a great deal. Please be advised, this bank is in violation. We need urgent assistance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Take a look at the attached documents. I am urging the bureau to commence an investigation into these accounts, as I have a flawless record of on-time payments, yet they are incorrectly reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Imperial Finance Corp
State: IN

Complaint narrative:
XXXX XXXX from Imperial Finance Corp has been attempting to contact me and my wife for a made-up debt of over {$55000.00}. I have been called, texted, and emailed repeatedly. 
XXXX of the emails had several other unknown personal email addresses copied. They are spamming random people over this. 

The website ( IMPERIALFINANCECORP.COM ) appears to have only existed since XX/XX/2023. The website is highly suspicious and contains very little information, and only XXXX way to contact " them '' by email at XXXX There also appears to be no legal business registration or location. 

They are using many invasive tactics, calling and texting outside of normal business hours, repeatedly calling and have not stopped when asked to do so. 

The fact they are also calling my wife attempting to " look for me '' is also concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
Credit report score is incorrect. My score went down from a XXXX to XXXX for no reason. This is an error and need to be fix to the correct score.

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 2023-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had multiple hard inquiries on my credit from capital one, where I have never done business. I had made an earlier dispute about this same issue but I guess it didnt do anything because capital one is still hard inquiring my credit for no reason whatsoever. Also Im now getting multiple false hard inquiries from XXXX even though I havent had a credit card with them, or applied for any credit ever with them. I just recently last month ( XX/XX/XXXX ) got an XXXX XXXX credit card which is issued by XXXX so I would expect one hard inquiry but I have one dated back in XXXX and another one from the XXXX of this year, both of which are completely bogus. I have also noticed soft inquires from capitol one, EVEN THOUGH I DONT DO BUSINESS WITH THEM. I dont understand how theyre still able to hard inquire my credit after the last dispute I had filed this is ridiculous. I believe someone has to be using my personal information for this to be happening. I have also filed multiple disputes with XXXX for never before seen phone numbers and addresses added to my credit report which is very worrisome for me. I am going to file a police report about this also and see if I might need legal help. I contacted XXXX yesterday and put a fraud alert on my credit and removed the fraudulent credit inquiries. I want to make sure its removed with all three of the credit bureaus, and that this doesnt keep happening. I am attaching a photo my my XXXX dispute results which shows the multiple hard inquiries and personal phone number that I had never seen or authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: NJ

Complaint narrative:
The inquiries below does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I just want to know why the 3 credit agencies are allowed to only raise a person 's score by XXXX points when always being on time and never missing a payment. But I started working with a credit card debt company and Transunion drops my score XXXX points. They are so quick to drop my score but no one can get a good credit score because they take forever to raise it and then only raise it XXXX point.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Due to Equifax data breech I believe my identity was stolen. For the past months I have been going back and forth with Equifax regarding the unauthorized inquiries made on my report such as XXXX XXXX business banking and XXXX XXXX. The staff has been very rude and unwilling resolve this issue. I have sent the proper documents to this company such as my FTC report, XXXX letter, and Identification several times, however, they deny my claims and informed me to resend the same documents again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX the last thing i used my debit card for was to order XXXX XXXX for my XXXXXXXX XXXX wife so she can have her pomegranate. About a little later i wanted to check my bank account to see how much i have left but for some reason my facial recognition on my app wasnt working and was asking for my password which i found weird in the first place. I try to type my info in at around XXXX and it wasnt working. Then i tried to change my password and my email wasnt even matching the files on their app. So i just hoped it was a maintenance think because Ace XXXX Flare is the card/bank i have and they dont have a 24/7 help system nor a 2 step verification. On XX/XX/XXXX i battle with my banks verification process because i didnt know that the person that stole my money changed my info on my file so on the XXXX try of calling and plugging in info i finally was able to answer to security questions that didnt have to do with the last transaction and the pin number. When i logged on i saw that the hacker transferred all XXXX dollars from my saving to checking and spent XXXX dollars at a texas XXXX XXXX. This hacker created a virtual card in my bank account to purchase and changed my info on my profile to something in texas which i have a screenshot of what he changed it to. Im negative XXXX dollars and i have no money for XXXX and no money for when my child XXXX XXXX. i reported that fraud n and made a dispute with my company but It says the next update is on XX/XX/XXXX but i cant wait that long and i have no help please if you can help me asap

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violated the PRIVACY ACT OF 1974 AND THE FAMILY EDUCATION PROTECTION ACT by providing my non public personal information to EXPERIAN XXXX AND XXXX and I'm sure multiple others that I have not tracked down yet. They stated that they would not provide any of my personal transaction history with any non affiliates or third-party companies. All of the credit agencies are non affiliates of XXXX/Dept of education.

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 2023-12-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I had fraudulent activity in my checking account and the bank refuse to pay me my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: MI

Complaint narrative:
I had old accounts in which I didnt have access to those cards, they are long gone. So I couldnt substantiate responsibility for those accounts. Well this company closed my new account, had me certify responsibility, submit Drivers License ( picture ID ) and this has been going on for months with no corrections to my consumer report..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: MI

Complaint narrative:
I had old accounts in which I didnt have access to those cards, they are long gone. So I couldnt substantiate responsibility for those accounts. Well this company closed my new account, had me certify responsibility, submit Drivers License ( picture ID ) and this has been going on for months with no corrections to my consumer report..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: MI

Complaint narrative:
I had old accounts in which I didnt have access to those cards, they are long gone. So I couldnt substantiate responsibility for those accounts. Well this company closed my new account, had me certify responsibility, submit Drivers License ( picture ID ) and this has been going on for months with no corrections to my consumer report..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX currently have a Fruad account on my credit report and three inquiries. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXX {$56000.00} Inquiries XXXX. XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-12-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I just want to know why the 3 credit agencies are allowed to only raise a person 's score by XXXX points when always being on time and never missing a payment. But I started working with a credit card debt company and XXXX drops my score XXXX points. They are so quick to drop my score but no one can get a good credit score because they take forever to raise it and then only raise it XXXX point.

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I have a XXXX card from a company called Upgrade, who is a subsidiary of XXXX XXXX XXXX. On XX/XX/XXXX around XXXX XXXX  I logged into my account to check my balance and make a large payment on my account. As I was looking at my account activity I realized that the payments I have been making are being deleted from my account activity. When I first logged in my balance was around XXXX  XXXX on an account with a limit of XXXX  XXXX, and as I sat and refreshed my account the balance began to increase each time, the past due status was increasing by days and the cash back bonus was going more and more negative. At last check this morning, XX/XX/XXXX they show my balance to be {$53000.00} and that my account is past due by XXXX  days. Keep in mind that up until yesterday my payments were all showing up on my account, and ALL payments have cleared my bank account. Furthermore, my statements from this company show the payments and I also have confirmation emails of all my payments. I have called them at least 8 times in the past day and this morning. I am continually being told that I need to " calm down '', " be patient '', and allow them to figure out what the issue is. I have included multiple snips of my account balance increasing all day yesterday and today, I have included an email confirmation of a payment from XX/XX/XXXX and I have included a snip from my account activity showing where that payment is not showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This credit reporting agency is using old delinquent payment history of accounts that have been discharged in my bankruptcy to calculate my credit score. Under the bankruptcy laws accounts that have been discharged are not to be included in calculating credit scores as they have been discharged.

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 2023-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I was selling my house, the closing date was XXXX XXXX. My title company requested the payoff statement from the mortgage company. The mortgage company sent the payoff statement but their figures included interest charged until XXXX XXXX ( I am not sure if this is a standard procedure to collect more interest in advance? ). 
The mortgage was paid off on XXXX XXXX. I received my escrows back but not the overcharged interest. 
I tried calling the mortgage/servicing company several times but it said every time that they were closed which I found strange. 
I then asked for assistance from the title company that i used for this transaction. They were able to get a hold of the company without issues. They asked for the breakdown on XXXX XXXX but nothing happened. 
The title company then called the servicing company again on XXXX XXXX to follow up and i was also present on the call. We were told the breakdown has been requested and i should receive it within 14 business days. Nothing happened. The title company tried to reach out again but from that point they were getting the same message - office is closed. It almost looks like the servicing company blocked mine and the title company 's phone numbers. The title company emailed them for a week but no reply at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: PA

Complaint narrative:
THIS IS A SECOND ATTEMPT I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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