vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: CITIBANK, N.A.
State: IN

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TX

Complaint narrative:
XXXX XXXX has fraudulently reported 30 day late payment on my credit report. During this time XXXX XXXX XXXX  and spoke with XXXX ( XXXX ) about my account. When requested deferment for the month of XXXX  she granted my request. During the month of XXXX i received a 30day late notification on my fico report. Dropped my score drastically. I have been a member with XXXX for many years and was shocked. I have contacted several times and they are not willing to investigate what so ever. There only solution they gave me was to write a letter to there dispute department. And of course ive done several times and they just responded back with there generic message, they cant help me at this time. This is wrong of XXXX XXXX, it shows me that they dont care about other peoples lively hood that they put at stake. 

I have disputed with all bureaus and they just come back with verified verified verified. 

CFPB please open an full investigation to help me get the fraudulent 30 day late payment off my credit report. as it is damaging me credit worthiness. When in fact i was on top of this account. XXXX is the one that has reported incorrect data to my credit report. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-07 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: TX

Complaint narrative:
XXXX XXXX has fraudulently reported 30 day late payment on my credit report. During this time XXXX XXXX XXXX  and spoke with XXXX ( XXXX ) about my account. When requested deferment for the month of XXXX  she granted my request. During the month of XXXX i received a 30day late notification on my fico report. Dropped my score drastically. I have been a member with XXXX for many years and was shocked. I have contacted several times and they are not willing to investigate what so ever. There only solution they gave me was to write a letter to there dispute department. And of course ive done several times and they just responded back with there generic message, they cant help me at this time. This is wrong of XXXX XXXX, it shows me that they dont care about other peoples lively hood that they put at stake. 

I have disputed with all bureaus and they just come back with verified verified verified. 

CFPB please open an full investigation to help me get the fraudulent 30 day late payment off my credit report. as it is damaging me credit worthiness. When in fact i was on top of this account. XXXX is the one that has reported incorrect data to my credit report. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX account #, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX account # XXXX, XXXX XXXX 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 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX I opened a checking account with US Bank after seeing on their website advertisement that if I set up a direct deposit and paperless statements, and the direct deposit within 60 days is over {$5000.00}, I will receive {$400.00} bonus within 60 days. I met the {$5000.00} direct deposits threshold on XX/XX/XXXX, which is day XXXX after opening the account. Still counting 60 days after opening the account and another 60 days in which the bonus should be received, the due date was XX/XX/XXXX. 
I called US Bank on XX/XX/XXXX twice and spoke with two representatives providing all that info. I was told that they are forwarding my request to a specific department and I should be contacted by XX/XX/XXXX. I was not. 
I called again US Bank on XX/XX/XXXX and explained all of the above. I was told by the representative that there are no notes on my account. So neither of the two representatives from XX/XX/XXXX put note or escalated the issue to the appropriate department as I was told. That third representative assured me that he will forward my issue to the appropriate department and he will CC his supervisor to see why nothing was noted/done by the first two representatives, and that I will be contacted within 48 hours. 
I called again US Bank on XX/XX/XXXX and explained again all of the above and asked about the status because I was again not contacted as promised. The representative put me on hold and after a while i was told that they are still researching it. But when I asked for confirmation that there are notes on my account and what is the due date until I should wait, the representative asked me to provide information about the issue without confirming that there are notes on my account put at least after my third call on XX/XX/XXXX. 
In essence, each time ( four times now ) I called, the representative would tell me that they need to forward my issue to a specific department, but they would not do so. Neither would they put any notes about my inquiry and the issue on my account. 

Please help. The bonus offer is again on their website with the same terms as it was in XX/XX/XXXX when I opened the account. ( see : https : //www.usbank.comXXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I can provide account information and call logs upon request. 

Best regards, 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 2022-06-07 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: TX

Complaint narrative:
act XXXX  Account # XXXX ( XXXX  XXXX ), Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX ( XXXX ). Miss put information on multiple areas.

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

15 U.S.C 1681 section 604A Section 2 : also states a consumer reporting agency can not furnish an 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 2022-06-07 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: TX

Complaint narrative:
act XXXX  Account # XXXX ( XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX ( XXXX  ). Miss put information on multiple areas.

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

15 U.S.C 1681 section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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
State: WV

Complaint narrative:
On XX/XX/XXXX I got a text from Truist Fraud asking if I tried to use my card for {$400.00} at a XXXX in XXXX Fl. I texted back no then looked at my account online. There were three charges from XXXX on there. {$260.00} at XXXX {$50.00} at XXXX and {$48.00} at XXXX. I locked my card then called Truist to report the fraud. They changed my card number and said they would investigate. A few days later I got a letter saying my dispute was denied because they were chip card purchases. It had to be my card their chip cards are " unduplicateable ''. I live in XXXXXXXX XXXX, WV. I have copies of the receipts where I used my card twice that day around my house at XXXX and XXXX. XXXX is XXXX hours away. My card could not be in both places. I also got a Truist fraud message about someone trying to move {$1000.00} from my account with a XXXX account. And just last week I got another fraud alert from Truist even though I never used that new card. I switched banks after XX/XX/XXXX. It's obvious my account has been compromised not just the debit card, but they would not look into it any further.

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 2022-06-07 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. the list of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX account # XXXX XXXX XXXX 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 2022-06-07 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: FL

Complaint narrative:
in accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States 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 2022-06-07 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: FL

Complaint narrative:
in accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States 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 2022-06-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts below, 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 Account Number XXXX XXXX XXXXXXXX Account number beginning XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number beginning XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX bankruptcy 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 2022-06-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts below, 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 Account Number XXXX XXXX XXXXXXXX Account number beginning XXXX XXXX XXXX  XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number beginning XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
sale of property XXXX XX/XX/2022 - wire transferred on XXXX XX/XX/2022 XXXX XXXX wire confirmation confirmation details received XXXX  no # XXXX of {$330.00} XXXX USD to my citibank checking account : Citibank confirmed receipt of funds on XXXX XX/XX/2022 XXXX XXXX following various enquiries and calls incl. Escalations to upper management, funds are under review by Citibank compliance with no further clarification or requirements pending verification. More than 20 calls has been made to Citibank with no progress nor proactive resolution actions or results- zero communication from Citibank regarding status or requirements. 
XXXX XXXX, Florida has not received any request or investigation trace for resolution to release the funds Title company has not received any request for resolution or verification

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In regards to ACCOUNT # XXXX : This auto loan was paid off on time every month from XXXX XXXX-present. 
As of XXXX XXXX the account was current, but capital one decided to charge off the account with no late payments starting XX/XX/XXXX. No 30 60 or 90 day late yet a charge off is being reported. Capital one stopped generating statements in XX/XX/XXXX and never sent anything in the mail saying I was past due, The car was eventually totaled and my insurance company paid off the loan balance less {$1000.00} deductible.During this process I continued to make the monthly payments. As of XXXX, with Covid, I was laid off from my job. I called capital one who agreed to take a monthly payment of {$27.00} to satisfy the remaining {$1000.00} deductible payment. This payment, as agreed, has been taken out of my bank automatically. They have been reporting late payments every month since XX/XX/XXXX - present. As of today the deductible payment is paid off in full but they are refusing to validate/ explain to me the charge off. No where on my account on their website does it show the account being charged off yet they are reporting a charge off to all the credit bureaus. I have reached out my mail with no response and my phone where they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: SC

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 an account without my written instructions.

I reported this account as Fraud to all 3 credit bureaus and Transunion is still reporting this fraudulent account on my report. 

The other bureaus deleted and blocked the account from reporting,

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 2022-06-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Name : XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I received a letter from XXXX chase advising the received an application for a XXXX XXXX XXXX  card account. I did not apply for this. I do not have a business. The letter is dated on XX/XX/22. I checked my XXXX  file and a hard Inquiry was pulled by XXXX on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 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: GA

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 also states a consumer reporting agency can not furnish an 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 2022-06-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have a 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