vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I applied for credit and was denied, my denial letter is proof I was discriminated against. Amex should recitify this affair and compensate me for the use of social security number. Otherwise this would be considered unauthorized use as I have received no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: United Accounts, Inc.
State: ND

Complaint narrative:
I paid the amount told for united accounts 3 total payment for delete now two are closed not deleted and one still shows open spoke to a woman XXXX told it was not her problem I need all three deleted as promised and I don't know what to do since XXXX since not her problem a manager. I need this fixed immediately like promised when I spoke about the dispute process I was doing she stated they just send the dispute back as validated it would cost to much money to go and validate every dispute they have its the customers job to figure it out with the original agency ... the original agency told me it was in united accounts now and they had nothing involved since the debt was theirs now I need these deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: IL

Complaint narrative:
Two separate complaints with the same company. I opened an account with Albert Corp. Both a checking and savings account. They do not have a phone number to call and only have the availability to either text or email. I have contacted them by both methods and have received zero support. 

The first instance is that I have {$7000.00} in my savings. I recently had an unexpected expense where I was in need of {$1000.00}. Upon attempting to transfer the funds on XX/XX/XXXX from the savings to the checking account I was told that I exceeded the transfer limit of {$15000.00} over a 30-day period. Upon reviewing my transfer history, it shows that I have had no transfer since XXXX. I contacted customer service and was again told I exceeded the limit which I explained that I have not and sent them a screenshot of my transfer history they again stated I would just have to wait which is not acceptable. Again, I showed them proof of my transfers and I am not even close to the limit. Their customer service is now ignoring me by both text and email. I was able to pull two {$500.00} transfers as well as a {$200.00} transfer on XXXX but I want all of my money out so I can close the account. 

The second instance is that I am paid on the XXXX and the XXXX of the month from my employment and since the XXXX of XXXX falls on a Saturday payroll goes out on Friday the XXXX. I did not receive my check on the XXXX and assumed maybe it would be there later that night. On XXXX I checked once again, and no check was deposited. I verified with payroll and my online clock in system that the deposit was sent on XXXX to the correct account. I also verified that the last paycheck that was deposited into this account was XX/XX/XXXX ( XXXX payroll for XXXX ) I again contacted Albert 's support by both text and email and am now being ignored. I have requested a supervisor and I have also read their recent reviews that is also occurring to so many other members. I have bills to be paid and have no access to my savings nor my most recent paycheck of near {$800.00}. I have no idea where to go to retrieve my funds and no support. I am in desperate need of assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XX/XX/2021, {$9700.00} was supposedly sent to XXXX credit card ending in XXXX. The balance was less than that but Marcus would not accept the other credit card so I added it to this and XXXX said once they received the funds I could do a balance transfer. 

The funds have not been received by XXXX now I have 2 credit cards that are ruining my credit that should have been paid. 

I contacted Marcus by Goldman Sac XXXX and was continuously told that it cleared on their end and to contact XXXX. XXXX states they have not received it and wants a paper copy of transaction sent to a fax number or their mailing address which they provided. Marcus rep XXXX, myself and XXXX have been on three way calls and nothing can be done without this confirmation. 

XXXX was the processer that Marcus used and is not cooperating with Marcus, XXXX or myself with supplying this information, What should have been a great move has turned my credit score from XXXX to XXXX in two months and I still do not have the funds. 14 more days and it will be 90 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax demands FTC be filed which I did 3 times and provided to them. I contacted XXXX bank and they provided a letter as well. 

Then Ewuifax tried to state they didnt know me, so I had to submit w2,1099, a 7th copy of drivers liscence, and letter for the 4th time from XXXX Bank XXXX 

XXXX is an unauthorized inquiry. Equifax refuses to delete from my credit report and harressing me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: CO

Complaint narrative:
Checkr is a popular background check company used by many employers. However, each time this company pulls my background check it pulls and reports the same information to the various employers. 
As an example, I was disqualified from employment with XXXX in 2019 and earlier because of inaccurate background check information. I disputed the information with my court ordered background information indicating that this is not my criminal record and employment was offered. 
Since this time, I have applied with XXXX, XXXX, and XXXX who have all denied employment because of the same incorrect information which should have already been corrected in Checkr 's reporting system. I have resent checkr the information to correct their records. However, I am still getting denied employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
have been approved for mortgage they expired reapplied then this mortgage came up after 5 yrs saying i have balance, called XXXX  they sent me form showing i owe no money .advised equifax of this they said they would investigate they did not they just closed without checking i verified that with XXXX.lost house i was trying to buy because they did not do there job

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: National Credit Adjusters, LLC
State: IL

Complaint narrative:
On XX/XX/2022 I notified NCA about their consumer privacy violations and requesting to get my consumer report deleted because I did not give them permission to furnish a consumer report. They responded that it is NCA 's policy to report all satisfied accounts as paid in full, federal law supersedes policy. They also sited the FCRA 602 ( b ) and said " The FCRA 602 ( b ) states that all consumer reporting agencies are required to adopt reasonable procedures which are fair and equitable to the consumer with regard to confidentiality, accuracy, relevancy, and proper use of information. '' The full statement says " It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' It is clear that the FCRA is protecting the consumer and not the consumer reporting agencies by stating " reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ''. NCA 's procedures are not fair and equitable to me as a consumer. Also their procedures are not confidential or proper and they are not in compliance with the requirements of this title if they have not received written instruction from me pursuant 15 USC 1681b ( a ) ( 2 ) ( 604 ). 

In order for NCA to be in full compliance with the FCRA, they need my permission pursuant 15 USC 1681b ( a ) ( 2 ) ( 604 ), to furnish a consumer report. 15 USC 1681 ( 602 ) does not give permission to furnish a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Please see the original complaint I filed along with additional documentation. You closed the complaint but it is NOT resolved and only getting worse. I ask that the CFPB please intercede to help correct the issues on my credit card account. 

Original CFPB Case 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 2022-03-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I disputed this account several times because of incorrect information! I asked the company to remove the account and they agreed! The account was deleted, but now 3 months later its back on my credit report and they did not give me any notice which they are suppose to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I noticed unauthorized inquiries on my credit report & noticed someone applied for something in my name. 
According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

XXXX : XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX. XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2021 EQUIFAX : XXXX XXXX- XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2022-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I do not agree with XXXXXXXX XXXX RESPONSE RE : XXXX. I am XXXX XXXX XXXX and I am submitting this claim myself and no third party is involved. I am the consumer and the original creditor. XXXX is in violation of my consumer rights. Pursuant to USC 15 1681 ( a ) ( 4 ) I have the right to privacy. XXXX policy does not override a federal law. Pursuant to 15 USC 1681 a ( 2 ) ( 3 ) I have the right to deny anything being reported on my consumer 's report. Pursuant to USC 1695G Only I can validate this debt. I, XXXX have not validated this alleged debt. Also Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be EXCLUDED from a consumer report. 
XXXX might want to look up the term " Credit Card '' THE CREDIT CARD IS MY SOCIAL SECURITY CARD. This is the credit card to used to originate every consumer credit transaction. They should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am Demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
According to 15 USC 1666 it is unlawful to report late payments it's a violation. Anything that contains a finance charge has already been paid in full balance because pursuant to 15 USC 1605 a finance charge is the sum of all charges so how can there be a late payments???? 
An alleged debt being furnished on my consumer report IS a violation of 15 USC 1692b ( 2 ) it is also advertising to coerce payment which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit reports and saw that XXXX XXXX added a collections item to my Transunion credit report. This dropped my credit score XXXX points. The original creditor was XXXX XXXX XXXX XXXX. I do not have an account with XXXX. I never received any type of notification ( written or verbal ) from this company of an outstanding debt. I disputed this item to be removed from my credit report but nothing has been updated. I paid XXXX XXXX XXXX directly.

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 2022-03-07 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 reach out to the credit bureaus XX/XX/2021 letting them know i was a victim of identity theft i sent a identity theft report along with a police report naming the accounts that were fraudulent. Under FCRA 15 U.S. Code 1681c2 ( a ) this information should've have been blocked from my report which it never was and after i disputed this account. I received correspondence that this account was verified which is false this account has not been properly verified and according to 15 U.S. Code 1681i ( 5 ) ( i ) this account should have been removed immediately.

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 2022-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE has been managing multiple accounts from a Medical provider. They have submitted collection reports to all three credit reporting agencies. They have at no time ever tried to contact me regarding the debt ( Parking ) and have submitted negative reports to XXXX, XXXX and XXXX. After I have disputed the debts XXXX XXXX and XXXX they advised they have removed these from my Credit Report on or around XX/XX/2022. These negative collection reports still show on XXXX and the company continues to refuse to send any itemized statements or validate the debts. They continually park accounts in order to negatively affect my credit score rather than inform me of the debt. 
I have confirmation from the company stating they have removed the debts from all three reporting agencies but this is not true. This practice is inhibiting my ability to maintain enough credit to secure housing or other means of support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: NC

Complaint narrative:
I need a validation ( not verification ) and a copy of when I sent a written permissible purpose ( 15 USC 1681b ) to validate the inquiry and a audit trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I need a validation ( not verification ) and a copy of when I sent a written permissible purpose ( 15 USC 1681b ) to validate the inquiry and a audit trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NC

Complaint narrative:
I need a validation ( not verification ) and a copy of when I sent a written permissible purpose ( 15 USC 1681b ) to validate the inquiry and a audit trail.

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