vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
My synchrony verizon visa card was closed. Creditor reason was the way i handled my account indicated a greater instance of delinquency. My account has always been laid in full every month and on time for the whole time my account has been open which has been over 1.5 years. All of my credit accounts are paid in full every month and on time. 
I requested credit increase on card on several occasions to raise credit score. All information was factual

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 2022-06-23 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: OK

Complaint narrative:
Equifax has willfully violated my rights as a consumer numerous times. 

Pursuant to 15 USC 1681 ( a ) 1 The banking system is dependent on my Consumer report being fair and accurate. After reviewing my consumer report, I realized that my report was inaccurate and therefore unfair and has adversely affected my credit worthiness. I was never notified when this inaccurate information was furnished and I was never notified during the company 's initial investigation that this information was going to be reported. Equifax 's continuous negligence and grave lack of integrity has diminished my confidence in this company 's procedures. 


Pursuant to 15 USC 1681 ( a ) ( 3 ) Equifax assumed this role and was not given permission by me, the consumer, or a competent court of jurisdiction. So, not only did this company fail to initially investigate the information as required by law, but also assumed that the information was valid, which is another violation of my rights ( Pursuant to 15 USC 1681 ( a ) ( 4 ). Equifax states on its website that, " great care has been taken to report this information. Please help us in acheiving even greater accuracy by reviewing all the the enclosed material carefully '' yet, has shown impartiality by only considering one side of the story and that has resulted in my privacy being breached and a violation to my right to privacy. 

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. These alleged transactions that are reporting and were failed to be properly investigated as to whether or not they actually took place between the consumer and the person making the report. Which means that it should not be included in my consumer report and is in fact a violation of my rights. 

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( iii ) In the initial investigation I was never given the opportunity to deny the information being communicated on my consumer report.Most recently there has been an influx of abuse with negative and inaccurate information ( example attached, Exhibit H ) and unauthorized hard inquiries furnished that has caused me mental anguish, ruined my reputation and limited and certain opportunities. 

Pursuant to 15 USC 1681a ( B ) ANY authorization of a specific extension of credit card or similar device should be excluded from my consumer report. This alleged that Equifax clearly did not investigate categorized as a transaction that was issued from a credit card as defined under 15 USC 1602 ( l ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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:
XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to : 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.

According to : 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 explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: FL

Complaint narrative:
Ive been with Netspend for many years going into my mid XXXX I have noticed for the last couple of years of XXXX and XXXX they will hold your money XXXX. 

Their advertising says two days before payday this is not true for customers that have been with them over the years falsely advertising. Its seems as they change banks its different rules. I have a dispute were I was scammed into paying someone {$150.00} by cash app for service, I got their names all phones numbers and receipts and social media handles that was on XX/XX/XXXX that I officially reported it also did a report to the state. 

It is XX/XX/XXXX XXXX XXXX  1 day before my direct deposit from my employer and I cant even get that. But its get paid two days before payday again false advertising. 

I have been pleading with Netspend to at least give a provisional credit until the investigation is over they will not budge. Save your self a headache and just deal with regular banks at least you know your deposit is on time. Dont schedule bill payments based off their promise of early deposits. 

No need to recommend I reach out to you Netspend I did all of that through email, account and phone.

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 2022-06-23 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 Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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  Account # XXXX, Account # 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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NC

Complaint narrative:
Hard Inquiries tha need to be removed Include : XXXX XXXX, XXXX XXXX, XXXX, XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-23 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: NY

Complaint narrative:
New and updated information. I did not consent to or request a fraud alert be placed on my consumer report. Transunion continues to act on my behalf without my consent or authorization. That is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ). Furthermore, Transunion has not made my privacy a grave responsibility pursuant to 15 USC 1681 ( a ) ( 4 ). Instead, they have taken it upon themselves to place my personal telephone number on my consumer report totally disregarding my right to privacy. Not only is this unacceptable it is a violation of my consumer rights as well. Please see the attached exhibit.

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 2022-06-23 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}.

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 2022-06-23 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX which I believe started in XX/XX/XXXX Citi Bank was offering a new account promotion bonus online that expired in XX/XX/XXXX. The amount of the promotional XXXX, XXXX or {$1500.00} according to the amount of deposit. I open the require account on about the XX/XX/XXXX and deposit the required amount on the XX/XX/XXXX in order to qualify for the promotional bonus of $ XXXX.I initiated a call the next few days to confirm that I would qualify for the promotion, and I was told that yes, I was told at that time that after a 21day of the deposit and after 60 days of the require balance remain in my account they would deposit the {$1500.00} in my account. I have met all the requirements to qualify and have spoken to them several times about the date my funds would be deposited. My daughter and I drove XXXX miles to the XXXX XXXX and back to prove my identity so they could correct my social number. I ask again while we were there about the promotion bonus and were told it would be paid in XXXX the XXXX by the cashier. I called Citi on XXXX the XXXX and was told now it would be 21 more days and everything was in order for the amount to be deposited in my account. Now later that afternoon I receive a message from Citi telling me there was no such promotion. So basically, they have kept my funds for over 6 months and now after telling me my promotion bonus would be deposited, they never had this promotion. I was also told that I would receive a complete package with all the information and was never sent.

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 2022-06-23 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: HANCOCK WHITNEY BANK
State: MS

Complaint narrative:
Hancock Whitney Bank has violated my rights in account reporting. I have come to find out for years they have been reporting many incorrect missed payments and not reporting on time payments since the account was opened. They can't even report the same closed date correctly between bureaus. How can they be trusted. I called Hancock Whitney and they say they can't find my account. but when I filed a dispute with the bureaus, they say all this scrambled information is verified. how can this be when its totally different with each bureau. This account is a blatant violation with credit reporting law. 

They also violated my rights under 15 USC 1681s-2 and 15 USC 1681 section 602 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I have requested to receive my ( 3 ) annual Credit Reports from the three credit reporting agencies. Each time, all three try to get you to pay for an enhanced report or services to get you a higher credit score. All I want is my ( 3 ) credit reports so that I can review them. They must by Federal Law, supply your reports free of charge every twelve months. They are not following Federal Law. It is just the agencies looking to make money when they should be following the Law. I am not going to call and waste my time on the phone with more ads to grab money for the reports. 

Sincerely, 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 2022-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is refusing to reinvestigate XXXX XXXX account that is on my credit report. They have not provided their verification method and they have not provided evidence of how they verified this account, who they spoke to or even if and when they talked to anyone. I have asked for this information several times in the past year. 
I have attached the last letter I sent to Experian in response to their letter stating they would no longer investigate this account. This letter was also sent certified mail. 
It is Experian 's job to make sure my account is accurate and the information listed is verifiable.

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 2022-06-23 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-23 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, 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 2022-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Received email from debt collector on XX/XX/XXXX regarding a XXXX bill in the amount of {$200.00} and they are willing to settle for {$110.00}. The email contained the name of the creditor and DBA, account number, amount owed, and name and address of debtor. 
I am not this person, but familiar with whom he is. He passed away in XXXX of XXXX.

Company response to consumer: Closed with explanation