vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 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: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Equifax, XXXX and XXXX have violated my rights reporting These fraud Accounts The 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Checkr, Inc
State: FL

Complaint narrative:
Information on my consumer report from the company chekr has incorrect information concerning a case that was dismissed ; information has frozen my account with doordash thus not allowing me to be cleared to work with company as I did previously. Documentation has been sent to company concerning issue numerous times with no investigation results or updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2020 My information was sold and bought illegally because I was a victimof the XXXX data breach. I want these items deleted from my credit reports effective immediately. 

I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has wipe my credit clean of this wrong doing to my credit. I will attached that as well. 

I'm asking for a deletion of these illegal accounts from my credit reports from Experian and XXXX. 

As follower : XXXX XXXX  XXXX  - XXXX Balance {$9000.00} XXXX XXXX XXXX  - XXXX Balance {$2300.00} XXXX  XXXX - XXXX Balance {$700.00} XXXX  - XXXX Balance {$1400.00} XXXX XXXX  - XXXX Balance {$4600.00} XXXX  - XXXX Balance {$4000.00}

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 explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX, Transunion and XXXX have violated my rights reporting These fraud Accounts The 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs 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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX, XXXX and Experian have violated my rights reporting These fraud Accounts The 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs 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 explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX has closed the account and when logged in to the account it is showing no balance ; the account has been charged off for several months with no correspondence and status on if the vehicle was sold in an auction or status on the overall account. since they have not tried to contact me and its not in collections or with a 3rd party ; it seems as though the debit is satisfied on their end and needs to come off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX has closed the account and when logged in to the account it is showing no balance ; the account has been charged off for several months with no correspondence and status on if the vehicle was sold in an auction or status on the overall account. since they have not tried to contact me and its not in collections or with a 3rd party ; it seems as though the debit is satisfied on their end and needs to come off 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 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
In the past l signed up for Banks because l needed a bank but didnt have the money for it then my XXXX XXXX XXXXXXXX got hacked and cancelled so i thought l was good but l cant keep an account open because of it and Im losing money. I need to get this handled because something that wasnt my fault is messing up me now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed I can not login on to Chase App during XXXX trip and it shows account locked due to unusual activity. I called two representative and they do not have any details about this incident except they said Chase has decided to close all my checking accounts. The only recent activity on my checking account is XXXX payment from my girlfriend for our trip. I hereby declare there were no suspicious or illegal activities on my account for the five years of opening.This was extremely disappointing and needed immediate action. I have all my funds in the account and several bills needed to be paid timely within a week from now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/22 amount XXXX Pursuant to 18 USC 8, I owe no debt this company is violating my consumer right to privacy pursuant to USC 15 1681 b 2 Company has no Permission To report anything using my info, pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: NC

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CL Holdings LLC
State: CA

Complaint narrative:
XX/XX/22 amount XXXX Pursuant to 18 USC 8, I owe no debt this company is violating my consumer right to privacy pursuant to USC 15 1681 b 2 Company has no Permission To report anything using my info, pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have issued a complaint to this company about inquiries and accounts on my consumer report and have not been contacted regarding these issues. It is now well over the 30 day limit and they are in violation. I also had some 3rd party debt collectors removed off of my consumer report and wondering why XXXX, who is also a 3rd party debt collector, does not have to abide by the law? And why is Experian not complying as well? This is two violations that I came name off the top of my head, but there are more, I'm sure. I feel oppressed and abused by a system that is supposed to be protecting me. WHY ARE THINGS NOT CHANGING?

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 2023-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX responded to complaint number XXXX and lied and stated that I was not enrolled in XXXX XXXX XXXX spoke with a Comenity Rep on XX/XX/XXXX requesting the date and time of XXXX XXXXXXXX enrollment. They provided me with information that my Victoria Secret enrollment date for XXXX XXXX was XX/XX/XXXX and not the date XXXX XXXX XXXX provided in complaint number XXXX. This company is lying and refuses to address my concerns. They also filed a judgement against me without my knowledge. I did not receive any documentation regarding the judgement and I was not served. This is a violation. I am requesting all documents regarding this judgement as I believe they forged my signature on legal documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023, I made the decision to open a XXXX XXXX credit card with the intention of building my credit and enjoying increased cash back on my spending. The allure of a one-time {$200.00} cash bonus after spending {$500.00} within the first 3 months, as advertised on the official " capitalone.com '' website, added to the appeal. It's important to note that I already hold a high yield savings account with Capital One. 

However, my optimism was dampened when, a few days later, I contacted the credit card agents to confirm the details of the sign-on bonus. To my dismay, they conveyed that I didn't qualify for the offer because I had signed up during a period that supposedly didn't include the bonus, contrary to the information on the Capital One website. 

More than the monetary aspect, what truly frustrates and angers me about this situation is the sense of deception, trickery, and dishonesty. Despite these feelings, I still hold a positive view of Capital One and sincerely hope they address and rectify this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On credit report us dept of education Has 2 accounts open for XXXX XXXX and XXXX XXXX Stating account was opened in XXXX Which i didnt open a loan from the said creditor.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
All calls are recorded, please contact creditor and obtain the proof

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MI

Complaint narrative:
I am formally requesting the removal of the bankruptcy notation from my account. I have already initiated contact with the court, and they have clarified that the bankruptcy information in question was not disseminated to the creditors and was acquired by a third party. I kindly request your assistance in rectifying this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have contacted each of these businesses regarding this matter and they have failed to comply with FCRA requirement.. They have failed to provide with me ORIGINAL WET SIGNATURE CONTRACTS STATING THAT I HAVE EXTENDED CREDIT using my social security number, under UNDER 609A OF THE FCRA. THESE COMPANIES ARE IN VIOLATION OF USC 15, WHICH IS FRAUDULENT. THERE IS NO STATUE OF LIMITATION ON FRAUD AND FAILURE TO PERMANENTLY DELETE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY WILL RESUILT IN A CIVIL SUIT AGAINST EACH AGENCY WHO HAS COMMITTED FRAUD AGAIN ME BY USING MY SOCIAL SECUIRTY NUMBER FOR WITHOUT MY CONSENT AND REPORTING INACCURATE INFORMATION TO THE PUBLIC. EACH COMPANY WILL BE SUED FOR {$1000.00} PER FINE. EACH VIOLATION IS LISTED BELOW UNCER LAW. FCRA 6-5B, FCRA609A, USC 15 , USC 16 , FCRA 611. I HAVE CONTACTED MY ATTORNEY WHO WHIS PREPARED TO BEGIN LITIGATION SHALL THESE ITEMS NOT BE DELETED WITHIN 4 BUSINESS DAYS. 
XXXX. THE FOLLOWING ITEMS ARE LISTED BELOW : XXXX XXXX - XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX {$13000.00}

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 explanation
Consumer complaint received 2023-11-26 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: FL

Complaint narrative:
I asked what I could do to settle this because I apparently had some one taking advantage of my information, numerous discussions and disputes they told me I had. To pay, they also stated. That I could not remove the information and charge offs I told them someone took advantage of my information I disputed them and discussed them and they are still on there I had to XXXX and do my research

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 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
Ordered a thermostat online from XXXX XXXX tried to cancel less than 24 hours with that seller. As i had to have replaced right away as mine failed when over XXXX degrees outside... contacted By email, No reply, Tried to call them several times never answer phone only get voicemail left messages No reply... never received product only received 1 email confirmation my order .... 
I have filed a fraud complaint with my bank Truist Bank ..they denied me in there favor?? the first time with a letter stating the company has had no dealing with me whatsoever??? Find that impossible as that company can not be reached?? I then called Truist Bank fraud department back gave copies of my emails, copies of pictures of my phine calls to that company. I also went directly to my bank branch with everything. I have had to call them twice so far for update, and nothing is resolved yet.. THEY gave {$81.00} of my money to somebody be debit card or not should get it back. I had canceled that order less than 24 hours and never received refund nor did they send the thermostat either. The bank had to have lied to me when they first denied me so quick as if they spoke to this company that does not answer phone only has voicemail and does not reply to voicemail. It's been just over 2 months, I would think a good bank would take care of there customers? I have since pulled most all of my money from Truist bank including closing a CD which they charged {$100.00} to close early wow bad business. I changed to a different bank. Seriously over {$81.00} they gave it to somebody and need to refund me and take it back from whomever.

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