vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
See attached. Bank says : " Our records show that your services with XXXX  were cancelled on XXXX XXXX '' Bank also shows that I was charged on XXXX. Each charge is for the month coming in advance. The contract states I may cancel at any time. Accordingly I paid for a full month when I only used 3 days. This is a billing error since I did not receive any refund for the unused days. The merchant is not allowed under any circumstance to keep money it did not earn.

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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I opened a Citizens Bank XXXX XXXX XXXX XXXX account and I used the promo code XXXX to earn a {$250.00} bonus after completing requirements. The requirements for the bonus payout are as follows - 1 ) Open a XXXX XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX and XXXX ) have at least one single deposit of {$2000.00} or more post to the account by XX/XX/XXXX then remains on deposit until XX/XX/XXXX and 3 ) have five qualifying transactions post within the two months stated in the table below. Qualifying transactions include deposits made at a Citizens branch, ATM, or through the mobile app ; payments made by check or Online Bill Pay ; debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites. 

Bonus will be deposited to the new business checking account by XX/XX/XXXX. 

I completed all the requirements a didn't receive the bonus. 

I've attached a copy of the offer page, a screenshot of my transactions and the last 4 months of statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

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 2024-12-02 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: CO

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
I filed a complaint with the XXXX  along with the CFPB against Lexis Nexis. I sent a method of verification letter on more than one occasion, in which they never responded. According to FRCA laws they are required to either respond to the letter or they are to delete the item, and they haven't done either. This is a DIRECT violation of FRCA laws. I've also requested my full credit report more than once and they are refusing to send that as well. 
Also, the supreme court states that a dismissed bankruptcy under code 349 of the bankruptcy code is to restore both parties to pre-petition financial status as if the bankruptcy NEVER happened. It also states that it is meant to UNDUE the bankruptcy. Lexix Nexis is going against the Supreme Court 's ruling, and impending on an individual 's rights to return to their pre-petition financial status as if the bankruptcy never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
These accounts are the result of identity theft starting with a room mate from back in XXXXXXXX XXXX XXXX Her and I were sharing an apartment so she had access to my personal information. The following three accounts were opened by her without my knowledge or consent : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
These accounts are the result of identity theft starting with a room mate from back in XXXXXXXX XXXX XXXXXXXX. Her and I were sharing an apartment so she had access to my personal information. The following three accounts were opened by her without my knowledge or consent : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This madness that is making Transunion obsolete must stop once and for all. My credit report contains an entry from the collection agency XXXXXXXX XXXX XXXX, which has nothing to do with me. The collection agency is unable to prove this, since it has no evidence other than a handwritten agreement, with a signature that is not mine and with children that are not mine and with a citizenship that is not mine, but Transunion is not embarrassed by the fact that this entry is fraudulent and continues to hold this entry in my credit report, even despite the FTC reports ( of which there are already more than 5 ), despite the complaint of the state attorney, despite the police report. Transunion decided to side with the scammers and banks that like to give credit products at high interest rates, thanks to credit bureaus that do not know what rights and FCRA are. Transunion also refuses to block fraudulent entries due to the lack of documents that confirm my identity, that is, Transunion has its own views on this, apparently for Transunion a driver 's license and paycheck are no longer proof of identity. But once again I will demand that my rights be respected and that fraudulent entries be removed from 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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MA

Complaint narrative:
I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where XXXX XXXX XXXX XXXX, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: SC

Complaint narrative:
I PREVIOUSLY REQUESTED A BLOCK DUE TO IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a dispute for multiple fraudulent charges totaling over {$1600.00} and the case has been open ever since I was supposed to receive my provisional credit today, which yesterday was confirmed, and all of a sudden the bank decided to close the account without even calling or asking any questions and without even trying to verify my identity. I just received an email stating that my account was compromised and to give them a call so I did that. Whenever I called they kept hanging up on me and refused to let me speak to a supervisor. Then they proceeded to tell me the reason why was because they could not verify my identity mind you they never even tried to verify my identity and said that my account had suspicious activity even though this activity has been under investigation for the last 15 days.. so yes there was suspicious activity hence the dispute of charges. it's just kind of funny on the same day that I'm supposed to receive my credit they decided to close account instead and I might receive a check in 20 days. Seeing as they have closed my account I can not even access any of the documents

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 2024-12-02 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: TX

Complaint narrative:
When I checked my credit report today, I was shocked to see accounts that dont belong to me. I dont understand how this could happen when everything was fine before. I refreshed my browser, praying it was just a technical issue, but the errors stayed. Im pleading for a thorough check of the documents Ive sent so I can finally move past this nightmare.

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 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-02 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I recently receive my credit report and noticed that there is negative payment history on my file that inaccurately represents me. The accounts are XXXX student loans and late payments as far back as XXXX and XXXX. 

The dates that are reporting inaccurately XXXX - ( XXXX, XXXX, XXXX ) XXXX - ( XXXX, XXXX, XXXX, XXXX ) These accounts violate the FCRA laws and inaccurately represents my credit profile. 

Can you give me assistance with this?

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 2024-12-02 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I recently receive my credit report and noticed that there is negative payment history on my file that inaccurately represents me. The accounts are XXXX student loans and late payments as far back as XXXX and XXXX. 

The dates that are reporting inaccurately XXXX - ( XXXX, XXXX, XXXX ) XXXX - ( XXXX, XXXX, XXXX, XXXX ) These accounts violate the FCRA laws and inaccurately represents my credit profile. 

Can you give me assistance with this?

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning and have no idea how they got there. I checked my report like I always do, but this time, unexpected discrepancies appeared. I refreshed my browser, hoping it was just a glitch, but the inquiries remained. Please review the documents I submitted thoroughly to resolve this issue immediately, so I can stop worrying about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Today XX/XX/XXXX I was denied my ability to report unauthorized hard inquiries on my credit report. I talked with a representative from Experian and told him I had unauthorized hard inquiries on my credit report I told him about them and he denied me the ability to dispute. I than asked to talk with a manager and again he denied me the ability to talk with a manger. After asking multiple times he stilled denied me the ability to dispute. I have XXXX hard inquiries that I want disputed and taken off my credit report immediately since I was denied my rights under the FCRA law. These are the inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the presence of several accounts listed on my credit report, as these accounts are not mine and were added without my authorization. As a victim of human trafficking, I have been subject to identity theft and fraud. The inclusion of these accounts on my credit report has caused significant harm, both personally and financially. In accordance with the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : 15 U.S.C. 1681 Section 602 ( a ) : I have the right to privacy regarding my personal financial information. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agencies are prohibited from furnishing information about me without my explicit written instructions. The following accounts are erroneous and must be removed from my credit report immediately : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Account Numbers : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Numbers : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account Numbers : XXXX, XXXX XXXX XXXXI Account Number : XXXX XXXX Account Number : XXXX These accounts were not opened, authorized, or managed by me. Please take immediate action to remove these accounts from my credit report and ensure they are not reflected in future reports. I have attached all necessary documentation, including a copy of my credit report, government-issued ID, and any supporting evidence demonstrating my claims. Thank you for addressing this urgent matter promptly. I request written confirmation once these errors have been resolved. Sincerely,

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/year> I made a purchase using my PayPal XXXX XXXX XXXX. On XX/XX/year> I had to call XXXX XXXX directly from my XXXX to file a chargeback for {$74.00} from that XXXX transaction. The chargeback was resolved in my favor XXXX weeks later on XX/XX/year>, and I should have received the refunded credit back into my account at that time. However, the merchant still has my entire order frozen and stating that the chargeback is still active, and it took me over a month to find out why it was still indicating open chargeback and why I still have not received my refunded credit. 

PayPal / PayPal Balance Account is the reason why. They took it upon themselves to somehow become involved in my chargeback and gave the case their own ID #, and have endlessly been changing the case timeline date to the current date and indicating that the case is still open and under review, even though this has absolutely nothing to do with them. Even XXXXXXXX XXXX  doesn't acknowledge them as being part of this and told me they will not be sending them any documentation regarding my chargeback. I called XXXXXXXX XXXX and told them the problem and they got PayPal customer service on the line for a XXXX call. PayPal claimed they were told by synchrony bank to hold onto the refunds, but that was a blatant lie because synchrony bank doesn't involve them in the first place. PayPal has no right to hold my refunds or even know about my chargeback in the first place, they are not a bank. They told me that they can hold the money for up to 60 days and then told me it's been longer than 60 days already and they don't know what the problem is. They told me they haven't received proof of the chargeback being closed but noone has any intentions to send them proof obviously. They have been telling the merchant that the case is open and causing even more problems. And they have been collecting interest on this money for over 2 months now at my expense.

Company response to consumer: Closed with explanation