vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-07-17 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: MD

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
As per Citibank customer service advice, there is possible malware affecting on my computer that may have been trying to steal my credit information. They decided to blocked all future transactions with Citibank/Home depot Card .

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 2023-07-17 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: FL

Complaint narrative:
After viewing my credit report I saw that there were multiple accounts I did not authorize. Nor did I benefit from any transactions listed in this report. These items are from unauthorized use of my social security number.

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 2023-07-17 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-17 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: FL

Complaint narrative:
I have attached an FTC report with a fraudulent account and fraudulent unauthorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DigniFi
State: TX

Complaint narrative:
DignifiXXXX XXXX is misrepresenting there lines of credit stating that these line of credit are loans forcing hundreds of thousands of unknown or unconscious consumers into promised to pay bonds and charging interest on consumers own credit worthiness and misinforming them of their lines of credit according to XXXX XXXX and public law XXXX and bill exchange act of XXXX see request attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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:
The information listed below is being reported on my credit profile incorrectly, I've asked the bureau 's to remove the inaccurate information numerous times but I have yet to receive a response. I would like for Experian XXXX and XXXX to do a thorough investigation on incorrect accounts reporting on my profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX negative XXXX opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Important Messages

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I am filing this complaint because both mine, and my husbands accounts, have been defrauded by US Bank. 

We both signed up for the US Bank Savings Accounts under the offer that if we maintained a balance of {$3000.00} for 90 days, we would get {$600.00}.

We met all the requirements, except for how we funded our account. We were unable to fund the account due to titling on our accounts, and were instructed by a US Bank Employee to fund our accounts in an alternative method. 

Therefore, US Bank deliberately defrauded us out of the Savings Bonus totaling {$1200.00}. 

We have already submitted a CFPB complaint on this, but US Bank responded incorrectly in reference to an entirely different account. These are the business SAVINGS accounts.

We have met all the requirements and done everything asked of us, we just want US Bank to uphold their end of the agreement.

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 2023-07-17 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: CA

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

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

15 U.S.C. 1681 section 604A 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 explanation
Consumer complaint received 2023-07-17 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: MD

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 non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX At approximately XXXX a person came banging on my door stating they were the REPO company for Chrysler Capital and to remove my belongings immediately. I didn't understand why this was happening as i had NEVER received any letter or mail stating I was to get my vehicle repossessed. I did not receive anything from the men who took my jeep no type of paper work no type of info on where they were taking the vehicle, The repo company took my XXXX XXXX XXXX XXXX  not before they struggled to get it attached to the tow truck, I knew it looked very wrong. I couldn't contact Chrysler Capital due to the time of day and they had been closed and would not open until XXXX the next day. On XX/XX/XXXX at approximately XXXX the same person from the repo company came to my door and stated THEY ( Chrysler Capital ) told us to return the vehicle so consider it a blessing! This was so odd that i called Chrysler capital and they are now stating they have NO DOCUMENTATION on the this happening. I also informed them i had all this on my XXXXXXXX XXXX XXXX. I've called numerous times trying to get an answer and still they do not have any documentation that this even happened. No my XXXX XXXX XXXX is not running properly it is now jerking whenever I first press the gas pedal after a stop and my passenger side seat feels as if it is off track. I need this issue fixed immediately as my lease still has 6 months left and I am afraid it will break down on me while driving. I spoke to a supervisor who stated he could not do anything for me as they had no documentation about the repo! Again I have ALL THIS on my XXXX XXXX  even the repo people stating it is CHRYSLER CAPITAL .... PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 2023-07-17 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: FL

Complaint narrative:
After viewing my credit report I saw that there were multiple accounts I did not authorize. Nor did I benefit from any transactions listed in this report. These items are from unauthorized use of my social security number.

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 2023-07-17 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Cease and Desist Reporting to Consumer Report - Account # XXXX and Account # XXXX Dear Sir/Madam, I am writing to formally request that XXXX XXXX XXXX cease and desist XXXX reporting the following accounts to my consumer report : Account Number : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information being reported to consumer reporting agencies. Upon careful review of my credit report, I have reason to believe that the reporting of these accounts is inaccurate or misleading. 
I am requesting that XXXX XXXX XXXXXXXX refrain from reporting any information related to these accounts to any consumer reporting agency. This includes but is not limited to credit bureaus and any other entities that collect and maintain consumer credit information. 
I expect that XXXX XXXX XXXXXXXX will promptly investigate the accuracy of the information being reported, correct any inaccuracies, and update my credit report accordingly. Until such investigation is completed, I request that you refrain from reporting any further information regarding the mentioned accounts. 
Please provide written confirmation within XXXX  days of receiving this letter, acknowledging your compliance with this cease and desist request. Failure to comply with this request may result in legal action being taken against XXXX XXXX XXXX in accordance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I trust that XXXX XXXX XXXXXXXX will take immediate action to address my concerns and ensure the accuracy of the information being reported. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Cease and Desist Reporting to Consumer Report - Account # XXXX and Account # XXXX Dear Sir/Madam, I am writing to formally request that XXXX XXXX XXXXXXXX cease and desist from reporting the following accounts to my consumer report : Account Number : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information being reported to consumer reporting agencies. Upon careful review of my credit report, I have reason to believe that the reporting of these accounts is inaccurate or misleading. 
I am requesting that XXXX XXXX  XXXX refrain from reporting any information related to these accounts to any consumer reporting agency. This includes but is not limited to credit bureaus and any other entities that collect and maintain consumer credit information. 
I expect that XXXX XXXX XXXXXXXX will promptly investigate the accuracy of the information being reported, correct any inaccuracies, and update my credit report accordingly. Until such investigation is completed, I request that you refrain from reporting any further information regarding the mentioned accounts. 
Please provide written confirmation within 10 days of receiving this letter, acknowledging your compliance with this cease and desist request. Failure to comply with this request may result in legal action being taken against XXXX XXXX XXXXXXXX in accordance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I trust that XXXX XXXX XXXXXXXX will take immediate action to address my concerns and ensure the accuracy of the information being reported. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I would like to get the prorated portion of my {$520.00} credit card annual fee on my Chase United XXXX which I opened in XXXX and was closed at no fault of mine by the bank in XXXX. 

The accounts was closed by the bank with no wrong doing on my part. The fee included perks ( XXXX XXXX XXXX access ) that I will not be able to use as a result of the credit card being cancelled. The bank claims that it is non-refundable which I can understand if I was at fault or cancelled. As decribed in the paragraph below, I did everything I could to respond to their complaince department 's request. Not my fault that they are inneficient and mistreat their customers. Speaking with two different Chase branch managers, they confirm that this is a recurring problem with their complaince department but they have unrestricted power to do as they wish within the bank. 

At the bank 's request I filed a completed and signed XXXX form five times. 4 at the bank office and 1 via mail over a XXXX month period staring in XX/XX/2023 in response to the same form letter I kept receiving. The last submittal was on XX/XX/XXXX. I signed the form at the XXXX XXXX branch of the bank in front of a banker and provided a copy of my XXXX card. He confirmed via phone that their complaince department had received it. On Tuesday, XX/XX/XXXX all my accounts were closed including my Chase United credit card. Upon calling the bank, the compliance department confirmed that they had the form but had not had time to process it. The statement was ; " Nothing we can do, If you want to do business with the bank, go to your branch and open new accounts ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: NY

Complaint narrative:
There is a fraudulent account called " XXXX XXXX  '' for {$11000.00} that I did not authorize. I have sent several notices to the company about said inaccurate information on my consumer report. They have yet to be fixed and/or be removed even after they have done an " Investigation ''. This account is ruining my ability to receive credit and buy a home or house

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I had accidentally made a double payment to my Bank of America Visa card in the amount of XXXX totalling XXXX. When I called BofA to ask for the second payment to be reversed and have the XXXX returned to the checking account it came from ( it came from an external checking account ) they processed my claim. At the end of the call the agent said it would take 90 days for the claim to be resolved. I was shocked that something so simple would take so long. After the 90 days I recieved a letter from BofA stating that they debited my BofA credit card and unfotunately could only return XXXX. They claimed it was because it would have made my account past due or over the credit limit. I was not past due and my credit limit is XXXX. At the time of the claim, I owed less than {$1000.00} on the card in question. Neither statements were true. 

To add insult to injury, I had not received the funds I used to make the payment put back to my checking account. When I called to inquire, an agent say it would take 2-5 business days. On the fifth business day, I still had not recevied the funds. I called back and the next agent said it would take 30 business days. When I asked why it would take an additional 30 days, she couldn't really explain why and couldn't expedite.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have filed a complaint with the FTC regarding fraudulent information on my credit report which do not belong to me at all I have no knowledge of this I am sending the FTC Identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation