vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Opened a XXXX with CitiBank on XX/XX/XXXX. 

Deposited XXXX  USD into the account on XX/XX/XXXX. ACH transaction completed XX/XX/XXXX. 

On XX/XX/XXXX, CitiBank refuses to provide access to the account and refuses to return the deposit. 

Talked with nearly a dozen XXXX, and other reps of CitiBank spending many hours.

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 2023-01-12 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:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation XXXX credit card not mine XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX {$1100.00} FCRA Violation : student loan not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation XXXX collection not mine XXXX XXXX XXXX {$870.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation XXXX credit card not mine XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1100.00} FCRA Violation : student loan not mine U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation XXXX collection not mine XXXX XXXX XXXX {$870.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to correct my personal information on file with your company as i have tried many times without any success so now i will keep a record of your blatant disregard for file and may be used in legal proceedings. 


Please update my address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they are not deliverable to me by the XXXX. Postal Service and they are not reportable as per F.C.R.A since they are inaccurate they need to be 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 explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF THE WEST
State: MD

Complaint narrative:
Bank of the West has been unable and unwilling to assist in resolving an issue that occurred AFTER the loan was paid in full, title released, and overpayment sent. They are now claiming we have a balance on the loan, without being able to provide any documentation as to why. I have contacted at least XXXX customer service representatives beginning on XX/XX/22 attempting to resolve this issue. I have requested a complete loan history transaction 6 times and to date have not received any information. Multiple employees have said they will research and call me back. No one has followed up or provided any information. One supervisor ( XXXX XXXX XXXX said loan was paid in full and he would send documentation to confirm, other employees said a check was returned XXXX  from XX/XX/22. I have provided complete proof from the payee bank that the check was paid upon presentment and a copy of the bank statement showing the check was indeed paid to Bank of the West.

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 2023-01-12 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with experian to update all invalid information in my file.

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 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-12 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: Experian Information Solutions Inc.
State: CA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2023-01-12 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: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I PREVOUSELY COMPLAINED TO THE CREDIT BUREAUS AND FILED A COMPLAINT WITH CFPB THAT I DID NOT WANT AMERICAN EXPRESS SHARING ANY INFORMATION TO THE CREDIT BUREAUS. I FILED THIS ON XX/XX/XXXX WITH YOU, CFPB, AND MORE THAN 30 DAYS HAVE PASSED AND THE CREDIT BUREAUS HAS NOT RESPONDED TO MY COMPLAINT FOR PROOF. XXXX RESPONDED ON YOUR WEBSITE ON XX/XX/XXXX THAT THIS IS MY ACCOUNT, BUT DID NOT PROVIDE PROOF OF SHARING PERMISSION FROM ME. 
AND I REQUESTED PROOF FROM AMERICAN EXPRESSED THAT THEY RECEIVED PERMISSION FROM ME TO SHARE MY INFORMATION WITH PROOF. XXXX OR AMERICAN EXPRESS DID NOT DO SO WITH 30 DAYS. NOR DID THEY GIVE A LEGITIMATE FOR AN EXTENSION OF TIME. 
I WANT THIS ACCOUNT IMMEDIATELY REMOVED FROM MY XXXX CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: EQUIFAX, INC.
State: MS

Complaint narrative:
account is showing as a charge-off account but account has been paid in full before it started reporting as a charge off account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
account is showing as a charge-off account but account has been paid in full before it started reporting as a charge off account

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 2023-01-12 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: CA

Complaint narrative:
I downloaded my credit report and asked transunion to check the completeness and accuracy of the accounts below in accordance to 15 USC 1681i ( 5 ). Transunion has tried use stall tactics despite my many attempts to solve this issue. 


XXXX. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX I have waited 30 days and they still havent updated or removed the accounts from my report in order to ensure that my credit report is complete with the correct information. 

The date open is not correct, date last active, date of last payment, account numbers, date of last payment and balances are not correc on all XXXX credit reports and they even failed to update the account status to in dispute which is a clear violation of the fcra. 

These violations has caused me financial hardship. It has cost me job opportunities and even gotten me denied for a home loan. 

I have attached my previous credit report and new report that I just downloaded to show how transunion has violated my right. I have also attached multiple complaints spanning over a year that they have failed to fix.

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 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: NJ

Complaint narrative:
Debt collector can not furnish contract or validation of debt for me to pay the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Unauthorized XXXX Inquiries were made on my credit report on XX/XX/2023 and XX/XX/2023. I did not authorize them to make a hard inquiry. I tried calling each of the companies to dispute it and they could not provide me with any information. I tried calling the credit reporting agencies and they said I had to call the companies directly. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I made an order from the XXXX place lasXXXX XXXX XXXX  that was stolen from my front porch and captured by my ring door bell. I submitted a request for a dispute on the charges to the XXXX place XXXX XXXX  The company was to notify Comenity Capital bank of the dispute. I have spoken many times to reps and supervisors at the bank who are very rude and condescending. I can not get my point across to them that they are billing for merchandise I never received. They send me in a vicious cycle back and forth between the bank and XXXX XXXX with no resolution. I really need your assistance at this point before I suffer a XXXX from the stress and my XXXX XXXX XXXX. I am a XXXX XXXX XXXX senior citizen caught in the middle, thank you!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2022 I deposited a check for XXXX to my checking account. 

Chase bank withdrew the money from the check issuer 's account but has not made the money available to me till date. It has been more than 35 days now. 

I have spend 10+ hours with change representatives to resolve this but they haven't resolved it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I went to XXXX on vacation, I took my Bank of America ATM Visa card with me, as thats where most of my money was this time. I used the card for everything. When I returned and was going through my account, I ACCIDENTALLY noticed a fee Bank of America charged me for paying for my hotel. I thought it odd, because I have used other cards from other banks over the years and had never seen this. I began to check further AND TO MAKE A LONG STORY SHORT, BANK OF AMERICA CHARGED ME A WHOPPING {$110.00} IN FEES FOR JUST PAYING WITH MY VISA DEBIT CARD, DESPITE BEING TOLD THAT WE CAN USE OUR XXXX CARDS ANYWHERE IN THE WORLD!! 

No one at Bank of America had ever told me that these fees would be charged just for using my own money. Also had I known, I would hsvd used my XXXX card instead. 

I was VERY DISTRAUGHT as I can not afford {$110.00} in fees, which I didnt know about and Im just using my money via my card. 

I called the bank and the customer service agent said she is authorized to refund me {$40.00} only and she did. But Im still not happy as I think this is unfair! HOW CAN SOMEONE BE CHARGED OVER A XXXX DOLLARS IN THESE HARD TIMES, JUST FOR USING THEIR OWN MONEY WITH A VISA CARD THAT IS WORLDWIDE??

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 2023-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I had a mortgage with XXXX  XXXX XXXX and had taken a forbearance during XXXX in XXXX of XXXX. 
I began a repayment agreement with XXXX XXXX XXXXXXXX in XXXX. 
XXXX XXXX  XXXX sold my loan to shellpoint mortgage and i continued with the same payback program that i had set up with XXXX XXXX XXXX. The agreement was that I would pay XXXX $ plus my regular mortgage for the next aproximately XXXX $ to be paid off by end of XXXX When i went to check my credit in XXXX i found that Shellpoint mortgage company was reporting that i had not paid, was not paying and in was in severe credit reporting to the credit companies. 
Can some one please help me clear my credit up. 
I have the original agreement and the payment schedule showing i was paying XXXX $ each month starting back XXXX. 
I. need some help as this new mirtgage company has destroyed my credit when i was really struggling to pay my mortgage plus an additional XXXX $ a month. 
Thanks. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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:
Unauthorized Hard Inquiries were made on my credit report on XX/XX/2023 and XX/XX/2023. I did not authorize them to make a hard inquiry. I tried calling each of the companies to dispute it and they could not provide me with any information. I tried calling the credit reporting agencies and they said I had to call the companies directly. 

Hard Inquiries XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Unauthorized Hard Inquiries were made on my credit report on XX/XX/2023 and XX/XX/2023. I did not authorize them to make a hard inquiry. I tried calling each of the companies to dispute it and they could not provide me with any information. I tried calling the credit reporting agencies and they said I had to call the companies directly. 

Hard Inquiries XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXl ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2023 Bank ( 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 2023-01-12 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: TX

Complaint narrative:
I have submitted dispute to you and I didnt get a response within 30 days, you all are required by law to do so. Please investigate. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted dispute to you and I didnt get a response within 30 days, you all are required by law to do so. Please investigate. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XX/XX/2023 Portfolio recovery reports I owe them XXXX dollars, I have never signed any documents with or for Portfolio recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: GA

Complaint narrative:
I acquired my consumer report and asked the consumer reporting agency to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I waited 30 days and received my investigation and noticed everything is still the same. The consumer reporting agency which is Equifax did not remove the account. 

A complaint was filed with the XXXX XXXX XXXX XXXX XXXX XXXX about XXXX XXXX XXXX XXXX reporting on my consumer report inaccurately and the company responded by stating a request will be sent to the consumer reporting agencies to remove their account from my consumer report. 

XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX and XXXX have removed the account from my consumer report however Equifax has not. Equifax is still reporting the following account on my consumer report. 

Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX This is a violation of my consumer rights. This inaccuracy is impacting me from buying a home for my family, and having the ability to provide a moderate living for my family. 

Attached is a copy of the XXXX  complaint with the response received from XXXX XXXX XXXX XXXX to show how Equifax is violating my rights.

Company response to consumer: Closed with explanation