vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: IL

Complaint narrative:
On or about XX/XX/XXXX I opened a checking and a savings account with Axos Bank online. On XX/XX/XXXX I received an email indicating my accounts were all disabled and any remaining funds will be held in a holding account until verification documents are received. I was asked to send in a copy of my drivers license and a selfie holding my drivers license. I sent these both of those documents in on XX/XX/XXXX. After several calls and emails I received a response from Axos Bank indicating that my account was closed and I need to call XXXX XXXX about a dispute. I called XXXX XXXX and they indicated that the Axos Bank inquiry was still on my XXXX report. I wrote several more emails to Axos bank between XX/XX/XXXX and XX/XX/XXXX and I have not received any responses from Axos Bank regarding my remaining balances on my checking and savings account. Every time I call in I am told I would need to email XXXX for my request. Every time I ask for a supervisor I am told that no supervisor is available and they would only respond to me via email. I have not received an email response from Axos Bank since XX/XX/XXXX. I have provided a copy of my drivers license and a selfie holding my drivers license. Please send me my remaining balances on my checking and savings account. 

The case number I have for my request is XXXX # XXXX. 


Thank You, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
INACURACIES ON MY CONSUMER REPORT. XXXX ACCT # XXXX Balance XXXX $ status open, last payment ( XX/XX/XXXX ) open date ( XX/XX/XXXX ), last reported ( XX/XX/XXXX ), ( XXXX ). COUNTY OF  XXXX XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ), OPEN DATE ( XX/XX/XXXX ), ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ). ( XXXX ). 


I ASKED YOU TO DELETE THE ACCOUNT BECAUSE OF ALL THE INACCURACIES, I DIDNT ASK YOU TO CHANGE DATES THAT WERE INACCURATE. YOUR INACCURACIES ARE STOPPING ME FROM A MORTGAGE AND MY KIDS THRIVE AND GROW, DELETE IMMEDIATELY INACCURATE ACCOUNT DATE ALL OVER MY 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 2022-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citibank, issuer of my XXXX XXXX XXXX card has informed me in a letter dated XX/XX/XXXX, that my card is expiring and will not be reissued. " We are unable to send you a new card due to a charge off on another credit card account issued by Citi ''. I have about XXXX miles accumulated over 20 years that they will be confiscating by cancelling this card. They have not been specific regarding the 'charge off " on another Citi Card ... .but I am pretty sure that it refers to a card from several years ago when I paid for one unsatisfactory service from a Cheat Web service -- - XXXX XXXX XXXX '' They signed me up for a multi-month auto payment program. I went months without using the card until I received a statement 8 or 9 months later that showed those charges and a bunch of Citi add-ons. I protested, verbally and in writing. To my knowledge they did nothing to curb Just Answer. I told Citi that was willing to pay for the first month of no answers from XXXXXXXX XXXXXXXX, but I wasn't paying the many months following, and their add-ons. I just stopped using the card. 

That was years ago. I probably have, with my wife, 5 or 6 different Citi cards, for decades, -- -- all paid in an timely way except when Citi 's website isn't working and I have to take a couple days to complete payment. I have declined to pay on this one card because I feel that I was cheated and that Citibank aided the Cheater. 

Can they now steal my air miles?

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 2022-06-29 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 XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

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.

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 2022-06-29 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: CA

Complaint narrative:
This has been the NUMEROUS request that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below in my file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This has been the NUMEROUS request that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below in my file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX NEVADA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Priors, and neither updated response did or, does not comply to ( properly ( claim of ) validated debt ) all requests within several attempts at disputes to invalid debt collection practices ; 1 ) Proof of your right to own/collect this alleged debt. 2 ) Balance claimed including all fees, interest, and penalties. 3 ) Contract bearing my personal signature. Yes, its a FDCPA violation which you insist to report to credit bureaus ; XXXX, XXXX and XXXX to your gain in self agreement that its okay to attack and damage my character validated statement at disputed claim. 

Requests for validation of collection been ignored beyond the refusal, to provide myself ; not presented. I now reserve the right to sue your company for the violation of my consumer rights to alignment myself with both ; FDCPA and FCRA seeking damages if, when warranted with Estoppel defense. Under no sanction if patient ( myself ) was or wasnt provided services by medical provider ( XXXX XXXX XXXX XXXX ) at your company expense ; to an attempt to collect a false debt. Within what obligated rejects, to state against in response the demands of evaluation to disputed accounts : # XXXX ( {$990.00} ) and # XXXX ( {$660.00} ) as mentioned ; in denial to prove valid informative ; at request. 

How could we specify in jurisdiction such amount in complete validated stated We are not in possession of medical records, treatment notes, diagnosis, or any other information that would be considered a HIPAA violation. which to the understanding ; the company been aware of this inaccuracy due to XXXX by Silence. You agree with myself on all grounds of termination of this debt to cease all invalid debt collection practices, damages, including harassment in the response to no resolution ; deletion notices to all credit bureaus, notified of this no later than 15 days. This stops now, or lawsuit processed under no hesitation within discussions in due respect need for received.

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 2022-06-29 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:
Equifax has not followed reasonable procedures to assure maximum possible accuracy of the information concerning my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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 XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

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.

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 2022-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I had a horrible experience with Marcus customer service when I tried to perform an outbound ACH transfer to a linked external bank from my Marcus savings account ending in XXXX on XX/XX/XXXX and XXXX. Marcus Bank held my money for two days due to no fault of my own. The lack of knowledge and training exhibited by the customer service representatives were very concerning. 
Most of the agents just keep repeating the same thing over and over as if they are reading from a script. They do not seem to be capable of dealing with issues which they are not familiar with. I wasted many hours on the phone with multiple agents and suffered financial damages and wasted many huors of my time. Below is a timeline of events. 

XX/XX/XXXX XXXX - Spoke with a supervisor who helped me submit an outbound ACH transfer request to a linked external bank account and was told someone will call me soon for PIN verification. 
XXXX - Called Marcus because I did not receive a PIN call and was told to keep waiting. 
XXXX - called customer service again and was told someone will call me for the PIN and told me to keep waiting. 
XXXX - called customer service again since no PIN call was received and was told to call back the next day. 
XX/XX/XXXX XXXX - My Marcus account was frozen and I was not able to log in, so I called customer service and was connected with someone in the fraud department who wanted to setup a three way call with the external bank to verify my account ownership at the external bank. he put me onhold to call the external bank. then he tells me the agent at the externalbank told him they do not do third party verifications and he removed the linked bank account from my profile. I later called the external bank and was told the bank does allow third party verification but they were suspicious of him and they refused to give out any customer information to him. 
XXXX - Called customer service and spoke with a supervisor who helped me submit an outbound wire transfer request to the same external bank account and was told someone will call me soon for PIN verification. 
XXXX - No PIN call was received and I did not want to wait for the PIN call which might never happen so I called customer service again. 
Finally I spoke with a supervisor named XXXX who was very knowledgeable about the issue and helped me complete the PIN call and connected me with someone from the fraud department who setup a three way call with the external bank and verified my account ownership. The wire transfer was completed the next day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX continues to report information on my address incorrect : I have never in life live at XXXX XXXX XXXX XXXX, XXXX XXXX, Il. XXXX 
XXXX and XXXX continues to report inaccurate credit card information probably at that address : XXXX  and XXXX report accounts showing charged off that is not connected to me or my address. 
My address is : XXXX XXXX XXXX XXXX, Texas XXXX and my mailing address is and has been for the past 9 or ten years XXXX XXXX XXXX XXXX, Texas XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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 XXXXXXXX XXXX account # XXXX, has violated my rights. 

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.

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 2022-06-29 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: TX

Complaint narrative:
I need all of the following items on this letter removed from my credit or I will be suing for each of the violations listed. No automated responses, I need a reply telling me why you all havent properly investigated my credit report. I know that the items werent investigated because an investigation is supposed to take 30 days instead of only a few days

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 2022-06-29 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 XXXXXXXX XXXX  account # XXXX, has violated my rights. 

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.

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 2022-06-29 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: CA

Complaint narrative:
I sent a letter on XX/XX/2022 requesting that Experian reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, they have failed to respond to my request. Experian must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : 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 2022-06-29 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 sent a letter on XX/XX/2022 requesting that Transunion reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, they have failed to respond to my request. Transunion must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : 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 non-monetary relief
Consumer complaint received 2022-06-29 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: GA

Complaint narrative:
Experian is violating my FCRA rights by reporting and sharing incomplete, inaccurate and invalidated information on my consumer 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 2022-06-29 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: NY

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. 

Account Name : XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXXXXXX XXXX  Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX  Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXXXXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXX XXXX  Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXX Account Number : XXXX ( Has Violated My Rights ) 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 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 reporting containing any of the following items of information any other adverse item of information, other than records of conviction or 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 2022-06-29 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 XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

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