vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 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: PA

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-10 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: SC

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-10 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: SC

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: SC

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-10 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: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXXXXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-10 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: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXXXXXX XXXX XXXXXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America prepaid card services unauthorized use of card disputed it with claims department with the prepaid side of Bank of America submitted police reports everything that was requested of me by claims department and yet still have not received insurance money for the unauthorized year so XXXX fraudulent use on my account it was proven by law enforcement and still did not receive my credits back to account

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 2022-10-10 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:
I've tried to refinance my car through companies XXXX XXXX suggested me. It was pre-qualify applications, that's why i've applied. As i know pre-qualify means soft inquiries, not hard ( i read this information from internet ). After that, i got a lot of hard inquiries to my account, that's why my credit score dropped from XXXX to XXXX  ( XXXX  points ). I got a lot mails in my mailbox from credit unions i don't recognize. I've applied number of times for credit cards, but got denied ( all of this are my applications ), but i didn't give the consent to credit unions to make a hard inquiries to my account. That's why i think all this inquiries should be removed from my credit reports.

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 2022-10-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
this account had numerous unauthorized charges and filed and provided an FTC Identity Theft report as well as an IRS affidavit. I requested that they Do not disclose this information as is my right to request nondisclosure. And the original dispute took more than 30 days.

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 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have been since the XXXX of XXXX been trying to get back my funds that were stolen from me. Someone used my stolen phone to access all my accounts and take them over. Chime denied my dispute. However new information has been provided and I expect to get a provisional credit while the investigation goes on. Closing the investigation in one day is not going to work for me. I am protected by federal law and visa along with chime all said they had my back with zero liability so they need to own up to it and help me. The merchant XXXX  and XXXX  appear to be helping but I still have not gotten my stolen funds back. I have provided an update with all the information I had. I corrected the misinformation that was given by the person who had my phone and also myself also due to the fact I was given misleading information that lead me to not figuring out who it was. Ultimate I told chime to continue with the dispute that I cant figure out whom did it and they just denied me anyways in less the 24 hours. That is not good enough. I want my funds back. Im not liable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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:
My first missed payment was in 2015. Please delete this entire account from my credit profile as the 7 years has lasped. ( XXXX XXXX Acct # : 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 2022-10-10 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
this account had numerous unauthorized charges and filed and provided an FTC Identity Theft report as well as an IRS affidavit. I requested that they Do not disclose this information as is my right to request nondisclosure. And the original dispute took more than 30 days.

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 2022-10-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
this account had numerous unauthorized charges and filed and provided an FTC Identity Theft report as well as an IRS affidavit. I requested that they Do not disclose this information as is my right to request nondisclosure. And the original dispute took more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I had my checking account with Axos Bank suddenly closed with out any given reason I was only made aware of this through an email in which time I immediately called the bank to inquire but was only told they didn't know why but that they had sent me a check for {$990.00} wich was my account balance at the time of the closure. on the XXXX of XX/XX/2022 I was told the check would arrive at the address I had on file with the bank within 3-5 business days. I never received any check of any kind from Axos Bank like they said so on XX/XX/2022 I contacted them to find out what was going on and informed them that the supposed check they sent never arrived. I was then directed by customer service to fill out and sign a document that they would send via email ( a declaration that the check was never received ) and I was given a reply email address to send it back when I was through filling it out and I was told that once I completed this form I would be reissued a new check so I quickly filled it out as requested and sent it back in. I got an email from the bank replying to the form I had sent in and the email notified me that Axos Bank would not be sending me another check because they had already sent one and the sent check had already been cashed. along with the shocking email was an attachment with an even more shocking strange and distorted picture of an apparent check front and back with a forged endorsement signature claiming to be mine. I immediately halted all communication with the bank because I suspect that they may be involved with fraudulently keeping my money and then trying to pass off a very obviously faked check and forged endorsement claiming to be me. I have all original correspondences via email I had with them and will attach them with this complaint to further help with any inquiries if so needed. 
thank you very much in advance for any assistance in helping me out with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Credit Card Issuer Bank : Barclays Bank Delaware Credit Card Type : AAdvantage Card On XX/XX/2022, I was charged for the INTEREST CHARGE-BALANCE T, but I paid off my balance before the statement 's due day. 

This fee is not reasonable because I've already paid off my balance, but still get charged!

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 2022-10-10 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: MD

Complaint narrative:
I joined Experian 's free membership program as another avenue to monitor my credit. They flood me with credit card offers and other offers to buy services from their platform. I have not accepted any. Suddenly in XXXX my credit score dropped by XXXX points. There was no derogatory ( e.g. late payments, etc ) activity or any other qualifying event ( e.g. closing an account ) that occurred. I requested an explanation for the drop in credit. I never received a response. I did, however ; receive a deluge of credit card and other offers that I could purchase to raise my score back. 

I checked my credit report again. There was nothing derogatory. I checked my score with the other bureaus and my other credit monitoring services and there was no change. I did some research and there are thousands of other individuals complaining that Experian arbitrarily decreased their credit scores for no reason. This seems to be occurring more often since they have monetized their services. 

Shortly after Experian arbitrarily dropped my score, my score began to fall on other platforms. When I make an inquiry it stems from 'derogatory action ' from the Experian score.

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 2022-10-10 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: CA

Complaint narrative:
i don't know what are you looking at when you do my investigation on this account from XXXX/XXXX  # XXXX it clearly shows that it's inaccurate!! this is a violation of my rights according to FCRA ... stop wasting time and delete this!! date last activity transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX... last payment : transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ... ... doesn't look accurate to me...

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 2022-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
capitol one is refusing to remove a balance on accountant that i do not own and was previously a authorized user. 

in accordance with the fair credit act XXXX  card that ends in XXXX has violated my rights. 

15 usc 1681 section 602 A. states i have a right to privacy.

15 usc 1681 section 604 2 : it also states that any Fianacial institutes can not furnish my information to 3rd part companies without my written instructions. 

after further conversation with my wife the original acc holder stated that she was never given the option to opt out just to opt in. 
capitol clearly stated even though it's not my accountant that the balnce will remain on my consumer profile. leaving the false pretense that im in debt and wich will stop me from. getting lines of credit or loans in the future. captitol one also told me to dispute with the credit beurres Wich i Cleary stated that i have. but the credit bureaus refuse to remove..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: CA

Complaint narrative:
i don't know what are you looking at when you do my investigation on this account from XXXX # XXXX it clearly shows that it's inaccurate!! this is a violation of my rights according to FCRA ... stop wasting time and delete this!! date last activity XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, equifax XX/XX/XXXX... last payment : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX equifax XX/XX/XXXX ... ... doesn't look accurate to me...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: CA

Complaint narrative:
XXXX XXXX # XXXX How can you say this account is accurate when clearly it's not... EVIDENCE IS RIGHT THERE IN BLACK AND WHITE... date last active transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX THAT DOESN'T LOOK ACCURATE TO ME! ! 3 DIFFERENT DATES..THIS REPORTING IS A VIOLATION MY RIGHTS AS A CONSUMER .... DELETE THIS ALREADY SO I CAN REST!!

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 2022-10-10 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: MI

Complaint narrative:
I have multiple inquires on my TransUnion credit report that is fraud. I have not asked or gave anyone approval to pull my person credit report. I reached out to TransUnion and was advised to make an complaint. the following inquires are on my account because of fraudulent activity. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well Fargo has sent me a customer remediation check for the closing XXXX my accounts with them and has not compensated me for the unlawful violations they have made upon me and my financial ability. In the letter sent to me they stated they assessed service fees and admitted to causing me damage because of funds they stole from my account and closed.

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