vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/24 I bough items from XXXX to be delivered on XX/XX/. I had 5 issues with this order and was promised a courtesy credit amounting to {$500.00}. I was approved for {$160.00} price match since the TV went down in price before this {$500.00} promise. The day before deliver everything became {$1500.00} cheaper for XXXX XXXX sale. I was going to either cancel my order or do a free return if they couldnt cancel ( I have 15 days from delivery to return and they werent delivered until the day after the sale ) and then rebuy them that day at the lower price. The manager XXXX informed me not to do this he will just 100 % guarantee me a refund of the price difference with the courtesy credits too for a total of {$2000.00} if I do not cancel. I followed his instructions and 2 days after the sale ended, the refund was denied because I was given a courtesy price adjustment on the TV ( the manager assured me it will 100 % be approved ). XXXX XXXX team is reviewing the case to see what can be done but I had filed a dispute with Citi credit card about a week ago. I sent proof of original price proof of the screenshot of the lower priced items ( same exact ones ) along with tickets numbers to XXXX that had my conversations to the manager. They now denied it saying Im responsible despite the fact that had it not been for their managers faulty info, I couldve bought it for less and returned the original order. I do have a recording of a second manager assuring me that the first manager will get me the refund.

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 2024-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been banking with NFCU since XXXX which is over 5 years now. A family member was seeking to open a bank account and I agreed to sponsor my family member so that they may open an account t with Navy Federal Credit union. On XX/XX/XXXX me and my family member went to the NFCU Beanch in person and he was able to open a checking and savings account. On XX/XX/XXXX I made an attempt to log into my NFCU online and app account and was given a message that advised me to contact NFCU. I contacted NFCU on XX/XX/XXXX and spoke with a supervisor by the name of XXXX, XXXX was very rude and disrespectful towards me from the very beginning. I then asked XXXX, why cant I log into my account and she stated that I needed to contact NFCU Security operations, I kept asking the supervisor to provide me with information as to why I wasnt able to gain access to my online account mans she said that I needed to just contact the security operations and that she could t tell me. This issue has tremendously caused me financial hardship and is causing me to get behind on my car payments, utility bills and access to any of my funds. I have a life savings of over {$50000.00} in my accounts and can not access those funds due to the horrible incompetence of NFCU and the unlawful and unexplained restrictions imposed on my accounts for absolutely no reason at all. I want NFCU to release my funds to me immediately so that I can pay my rent, utilities and my car payments. I also want to end my membership with NFCU and close my accounts and withdraw all of my funds and go bank somewhere else. NFCU is refusing to allow for me to end my membership and are holding my funds hostage at this time. I am seeking the assistance of this government agency to retrieve my funds from NFCU and for them to IMMEDIATELY RELEASE MY FUNDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I received a notice from cash app that {$900.00} was paid to a consumer named XXXX. I immediately tried to dispute it with cash app. I was unable to request a refund. I reached out to XXXX  XXXX after transaction received automated email response. XXXX  had taken small amounts {$3.00} or {$4.00} then the next big jump @ XXXX was {$900.00}. I've filed a police report also have emails where I've tried to reach out to both company 's cash app and XXXX. Cash app told me there's no way for me to send the police report or proof that I tried within minutes of notification to dispute this with XXXX. I didn't authorize this transaction to XXXX. I canceled my cash app card also had to receive a new bank card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: HI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Ive had a Credit Karma Spend account for over a year wiht no major problems. I recently had my State Tax refund deposoited into there and Im set to have my federal refund deposited there as well. I recently deposited a check by mobile check deposit and was given a date that funds would be available. On the date given, I had checked my account and they werent available yet but there were no issues. Within 30 minutes, I saw that the funds had become available but also saw they had frozen my account. Ive tried contacting them MANY times and they refuse to unlock my account or give me any other information. The funds show that they are available but due to the account being frozen, I can not access them. It's only {$240.00}, what is the holdup? Unlock my account already.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: GA

Complaint narrative:
I have been a victim of ID Theft for years. I have continue to reach out to Trans Union to present my credit report and financial situation accurately. But they refused to do so. I sent them a request to verify my public records and after there investigation, I was informed that they received accurate information form the U.S. XXXX XXXX XXXX and XXXX XXXX XXXX based in XXXX. I personal went to the U.S. XXXX XXXX  and they provided me with a letter confirming I do not have any public records. As well as XXXX. I sent my documents in on XX/XX/XXXX via certified mail, and they were received on XX/XX/XXXX. I contacted Trans Union and was told after 2 days of investigation that there investigation was confirm by the U.S. XXXX XXXX XXXX. It was untrue. I am in the process of filing a monetary legal suite against Trans Union for damages because they are damaging my financial character. I am requesting an immediate solution to not pursue legal damages.

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 2024-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I just received my credit report and was shocked to find unauthorize inquiries and late payments on it. As you know, this is not something that should have been reported! 
The Fair Credit Reporting Act states no one may access your information without permission from YOU first so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of business venture through their company as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all!

Also I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. My account was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Under the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Balance {$330.00} Account number XXXX The above furnisher has violated my rights according to 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 an 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.

Furthermore, the above furnisher has violated The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692, This negative information will prevent me from obtaining a mortgage, car, etc.

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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
I Recently an ETRade Max checking account via paper application, They made an error on my last name upon opening account, after various calls to CS and submitting requested documents, I hadn't received any updates on Correction, Yesterday XX/XX/2024 I decided to transfer my deposit back to my linked account and was going to close account as I felt they weren't capable of resolving minor issue. They froze my transfer request and I was informed by secure message when I logged in to inquire. I was in a chat waiting for over an hour, stopped informing me of updated time frame, I called CS Number while still waiting for live chat, spoke with CS was transferred to another department, was informed I had to upload Drivers lic, Cust verification form and to call back and it would be resolved. I did that and called this morning and was redirected to Activation services XX/XX/2024 who informed me I had to upload copies of current Bank statements from the Institution I originally funded account with. The check I sent was deposited and cleared, I successfully linked a savings account. So I at this point I Had to submit a W9 form, Name change form, ( the error was 100 % on their end from the start on entering data from the application ) Drivers License, Customer verification form and now Bank statements from linked account all so I can have my deposit refunded and close account.I honestly think they are trying to discourage me from closing account by placing these hurdles. They should have been able to resolve a simple error on their part by correcting the spelling of a last name, Instead I have spent over 4 hours on the phone and in a live chat that was never going to be answered, They could have just said we'll credit your account that your deposit was from, we'll send you a check etc, quite simple, Instead they inform me they're very sorry but I should still consider banking and investing with them, What I've explained is mild to what I actually experienced so far and it is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: IL

Complaint narrative:
I am requesting you to a full removal of all fraudulent inquiries attach on my account. I did not initiated any of those inquiries.

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 2024-03-01 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: TX

Complaint narrative:
I just got my report and I think it's wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything about my credit report is correct. 
Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance XXXX XXXX XXXX XXXX Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE!

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 2024-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I pulled my credit report and saw that I.C System, INC placed and collection of {$260.00} on XX/XX/23 on my credit report. 

" I'm unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the CertifiedMail Receipt with my signature. ''

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 2024-03-01 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: NC

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late '' or complete DELETE THE ITEM? 
un-authorized inquirieXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXXXXXX XXXX  Account : XXXXXXXX XXXX  Account : 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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: NC

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late '' or complete DELETE THE ITEM? 
un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX Account : XXXXXXXX XXXX  Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NC

Complaint narrative:
XXXXDEPT OF ED Account number XXXX 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666 ( b ) states a creditor may not treat a payment on an account as late for any purpose.

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 2024-03-01 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: IL

Complaint narrative:
I am requesting you to a full removal of all fraudulent inquiries attach on my account. I did not initiated any of those inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00}

Company response to consumer: Closed with non-monetary relief