vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-30 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2022-05-30 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: WELLS FARGO & COMPANY
State: AP

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX. I sent a letter regarding inaccurate and unknown items on my credit report and to this day i have not recieved a repsonse yet.i feel like im being taken advantage of and being ignoredof my disputes. Section 611 ( a ) plainly states that a failure to to investigate these items withing 30 days gives me a reason to immediately have those items removed from my credit report.it has been over 45 days. So they should be deleted promptly. I demand these address and accounts get deleted immediately or i shall file a complaint due to the stress caused on me. My information was compromised and may have gotten into the wrong hands by the XXXX data breach.

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 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX. I sent a letter regarding inaccurate and unknown items on my credit report and to this day i have not recieved a repsonse yet.i feel like im being taken advantage of and being ignoredof my disputes. Section 611 ( a ) plainly states that a failure to to investigate these items withing 30 days gives me a reason to immediately have those items removed from my credit report.it has been over 45 days. So they should be deleted promptly. I demand these address and accounts get deleted immediately or i shall file a complaint due to the stress caused on me. My information was compromised and may have gotten into the wrong hands by the equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: DISCOVER BANK
State: NY

Complaint narrative:
In the month of XXXX there were unknown inquiries on my credit report that I don't recognize I don't have the exact dates for all of them but XX/XX/XXXX, XX/XX/XXXX, I think those are two of them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wallet was stolen from my car on Saturday, XX/XX/XXXX. My credit card and debit card were then used to fraudulently spend {$4000.00} ( {$2000.00} ) on each card at the XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, California. I have disputed the charges with both XXXX XXXX ( credit ) and Wells Fargo ( debit. ) XXXX XXXX has said that the charge will be flagged and voided, however, Wells Fargo is still in the claims process.

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 2022-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Saw in my credit score that someone opened a best buy store credit card in the amount of XXXX in XX/XX/2022. I have not opened a credit card or have been to best buy in a long time. I have been trying to call best buy at the number XXXX to get this matter fixed. but do to holidays unsuccessful at this time. will continue to try and monitor my credit.

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 2022-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was booking a flight on JetBlue and when I went to pay, I received an offer to open a JetBlue credit card through Barclays and if I spent {$1000.00} within 90 days on the card they would give me XXXX frequent flyer points. I did what was described and only received XXXX points. I called Barclays, and they said only JetBlue could fix this. I contacted JetBlue, and they said only Barclays can fix this. I have not gotten additional points, and even if I do eventually, this is still fraudulent advertising. I shouldn't have to reach out for them to fix this, and I'm sure other people won't reach out, or perhaps even notice. When I was on the flight I booked, flight attendants came down the aisle with a brochure offering XXXX points if you open an account and I thought, " I don't need that, I already did that. '' How can they be held accountable?

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 2022-05-30 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: AL

Complaint narrative:
Exercising in good faith a right under the Consumer Credit Protection Act, I called XXXX XXXX on XX/XX/21 to get clarity as to why my account was closed, and the dispute team, fraud department, and management could not give me a direct answer but only what may have been the reason. XXXX XXXX 's reasoning was that payments were coming back or that I was having trouble with them or I might be having some trouble with another financial institution as to why the account was permanently closed which is incorrect. Pursuant to 12 CFR 1026.13 ( d ) ( 3 ) You shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights, and this is exactly what XXXX XXXX did. I was simply exercising my right as a consumer/natural person concerning an alleged debt. I realized this was a consumer credit transaction pursuant to federal law 15 USC 1602, and I was only extending my credit to XXXX  XXXX. I should not have to pay on credit I extended as a natural person. 
Because of this XXXX XXXX closed out my account without any proof as to why. My score has dropped dramatically and I'm being denied the opportunity to buy a home because of it. My character, reputation, creditworthiness, and credit capacity is being tarnished.

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 2022-05-30 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: AL

Complaint narrative:
Exercising in good faith a right under the Consumer Credit Protection Act, I called XXXX XXXX on XX/XX/21 to get clarity as to why my account was closed, and the dispute team, fraud department, and management could not give me a direct answer but only what may have been the reason. XXXX XXXX 's reasoning was that payments were coming back or that I was having trouble with them or I might be having some trouble with another financial institution as to why the account was permanently closed which is incorrect. Pursuant to 12 CFR 1026.13 ( d ) ( 3 ) You shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights, and this is exactly what XXXX XXXX did. I was simply exercising my right as a consumer/natural person concerning an alleged debt. I realized this was a consumer credit transaction pursuant to federal law 15 USC 1602, and I was only extending my credit to XXXX XXXX. I should not have to pay on credit I extended as a natural person. 
Because of this XXXX XXXX  closed out my account without any proof as to why. My score has dropped dramatically and I'm being denied the opportunity to buy a home because of it. My character, reputation, creditworthiness, and credit capacity is being tarnished.

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 2022-05-30 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  accounts XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX, XXXX XXXX account number XXXX, and Department of EducationXXXX account number 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  accounts XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX, XXXX XXXX account number XXXX, and Department of EducationXXXX account number 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 602 A Section 2 : It 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 2022-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Good Afternoon : My name is XXXX. XXXX XXXX XXXX, and since XXXX I have consistently disputing two payday loans taken out in my name. After years of being turned down for mortgages and credit, I have finally given in and paid one of the payday loans off. However, one credit bureau improved my credit and wiped the slate clean of BOTH delinquent accounts, while the other two refuse to remove the PAID IN FULL account with clear proof from the agency with a letter. I have suffered enough as an XXXX who can not afford to even apply over and over to be denied a home because of fraudulent and inaccurate information. Then, when I put in for a dispute, magically the amount of the account goes up by a dollar and causes my credit score to decrease XXXX points each month. I want not only to have these issues rectified, but I want my credit score to go back to the XXXX it was in XXXX of this year or better because I am debt free except the college loans that remain as I am in XXXX XXXX  working on my XXXX. I know my rights, and under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 et seq. ), I could be owed damages for unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

15 USC 1681 Section602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment or inquiry on a credit card account under an open end consumer credit plan as late for 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 2022-05-30 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: EQUIFAX, INC.
State: GA

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

15 USC 1681 Section602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment or inquiry on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked my credit score on Experian and it shows 2 closed accounts that I never knew about. those are not mine. and they are affecting my credit score. I would love to have updates *FRAUD INFORMATION* XXXX XXXX Date Open : XXXX Account Type : Credit Account Status : Closed Status Updatated : XX/XX/XXXX XXXX XXXX Account Type : Charge Card Date Open : XX/XX/XXXX Account Status : Closed Status Updatated : XX/XX/XXXX 2019

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 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There are XXXX  inquires on my account that i did not authorize, i reached out to experian but they said these inquires arent on my report but when i look at it through the experian app all the inquires are still there, please remove these inquires from my credit report Experian

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 2022-05-30 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: FL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-05-30 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: NC

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, North Carolina XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number:XXXXPlease investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

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 2022-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2021 a Citibank credit card under my wife 's name was stolen. A fraudulent purchase worth {$2000.00} was done with this card, even though we immediately reported the theft to the bank and declined the purchase via text message. The bank erroneously claimed that the card was in our possession and charged us for this purchase on XX/XX/2021. On XX/XX/2021 I mailed to the bank 's security services office ample documentation showing that the card was stolen and not in our possession when this transaction occurred. This documentation includes phone and text records of our communications with the bank, as well as an email from the restaurant management acknowledging the theft. On XX/XX/2021 I received a letter from Citibank saying that they were " looking into the transaction ( s ) you disputed ''. I haven't heard from them since. It's almost seven months since then. I am attaching all of my documentation and the letters from Citibank in a PDF.

Company response to consumer: Closed with monetary relief