vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I applied for a credit card though XXXX with the sole purpose of receiving and up to date and accurate credit score. I was approved. I waited for the paperwork to come in the mail to provide me with score and relevant information they received in which this decision was made. It was not included. I downloaded the app and searched all communication- it was not available. I called and was transferred 4 times. Finally, the data analyst said they dont have access to this information nor could the provide it. I asked that it be mailed to me, assuming security wouldnt allow them to give it over the phone. She stated she could not. I was escalated to a supervisor who said if we had to disclose that information, we would have and recommended I check XXXX XXXX. 
I believe I am entitled to the information which was used in determining my eligibility for a credit card, including the score at time of application and approval.

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 2022-08-22 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:
I am a natural person, I am a human being, I have rights under 15 USC 1681Equifax is govern by 15 USC 168, and they violated my rights numerous of time. I demand the accounts listed below be removed because, according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number xxxxxx XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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 checked my credit report through XXXX XXXX 's software in the beginning of XXXX, 2022. And noticed inconsistencies with the reporting of my account with XXXX XXXX XXXX XXXX. The problem was that all three credit bureau 's were reporting different late payments. 
So I sent out the 1st letter on XXXX XXXX by certified mail. 
Certified mail receipt # XXXX XXXX XXXX XXXX XXXX TransUnion XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX Demanding that all three credit bureau 's remove the late payment due to all three credit bureau 's being in violation for not displaying 100 % accurate information on my report. I then also included a copy showing the account ( XXXX XXXX XXXX XXXX ) from XXXX XXXX displaying that in fact all three credit bureau 's are displaying inaccurate information. 
I received my credit report from all there credit bureau 's 30 days later informing me that they verified the information and that it was accurate. 
I then conducted some more research through the credit consumer laws and was able to gather some violations that the credit bureau 's are committing against me at this time such as ( Pursuant 15 USC 1681a 2 ( A ) ( i ) & FCRA 15USC 1681a 2Ai ) I then sent out a second letter on XXXX, XXXX 2022 by certified mail XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX demanding once again for all three credit bureau 's to remove the incorrect information from my report and that all three companies are in clear violation of the laws. I made sure once again to send a copy from XXXX XXXX software to show that all there companies that are still displaying incorrect information and that they are clearly violation my rights. 
30 days later I received my credit report from all three credit bureaus stating that they have investigated the matter and that they have the correct information. Once again my question is how? Since all three credit bureau 's are reporting all different information. Ive been dealing with this back and forth for months now and it is ridiculous how these companies are able to get away with violation our rights, identity theft and fraud. 
If this matter is not resolved in a timely matter, I will contact my Attorney General XXXX XXXX, Congresswoman XXXX XXXX. 
I greatly appreciate the help

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 2022-08-22 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 checked my credit report through XXXX XXXX software in the beginning of XXXX XXXX And noticed inconsistencies with the reporting of my account with XXXX XXXX XXXX XXXX. The problem was that all three credit bureau's were reporting different late payments. 
So I sent out the 1st letter on XXXX XXXX by certified mail. 
Certified mail receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Demanding that all three credit bureau's remove the late payment due to all three credit bureau's being in violation for not displaying 100% accurate information on my report. I then also included a copy showing the account 
( XXXX XXXX XXXX XXXX XXXX XXXX  displaying that in fact all three credit bureau's are displaying inaccurate information.
I received my credit report from all there credit bureau's 30 days later informing me that they verified the information and that it was accurate.
I then conducted some more research through the credit consumer laws and was able to gather some violations that the credit bureau's are committing against me at this time such as (Pursuant 15 USC 1681a 2(A)(i) & FCRA 15USC 1681a 2Ai )
I then sent out a second letter on XXXX XXXX XXXX by certified mail
XXXX XXXX XXXX XXXX XXXX XXXXEquifax
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
demanding once again for all three credit bureau's to remove the incorrect information from my report and that all three companies are in clear 
violation of the laws. I made sure once again to send a copy from XXXX XXXX   software to show that all there companies that are still displaying incorrect information and that they are clearly violation my rights. 30 days later I received my credit report from all three credit bureaus stating that they have investigated the matter and that they have the correct information. Once again my question is how? Since all three credit bureau's are reporting all different information. Ive been dealing with this back and forth for months now and it is ridiculous how these companies are able to get away with violation our rights, identity theft and fraud.
If this matter is not resolved in a timely  matter, I will contact my Attorney General XXXX XXXX XXXX  XXXX XXXX I greatly appreciate the help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: FL

Complaint narrative:
Hey I went to the car dealership and was trying to apply for a car. They said they was going to give me a soft inquiry on my credit but when I checked there was a lot of hard inquiries. The names are XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have been looking for a job opportunity as I have been unemployed. On XX/XX/2022, I received an email from XXXX of a job opportunity that looked promising. The position looked legitimate from the job description ; I applied on the same day. On XX/XX/2022, I received an invitation for an interview with a XXXX hiring manager and I conducted that interview remotely the same day. I asked for time to review the job offer and ask questions, to which the hiring manager obliged. 

I received the job offer by email on XX/XX/2022 and was able to ask questions via email. They answered appropriately. I thought that I found a good XXXX XXXX position ; but, looking back on it, the job was too good to be true. Between XX/XX/2022 and XX/XX/2022, I was given checks from XXXX ( 1 deposited physically and 4 to mobile deposit into my checking account at Citizens Bank, of whom I have been a loyal customer for over 20 years ) ; and, I was instructed by CardConnect hiring department employees to use these checks for payments toward a work laptop, software, and office set-up. Five of these payments were instructed to be done via XXXX for a total of {$5000.00} sent via XXXX : on XX/XX/2022, {$1000.00} was instructed to be sent ( image attached is associated with this transaction ) ; XX/XX/2022, {$1000.00} was instructed to be sent ; on XX/XX/2022, {$1000.00} was instructed to be sent ; on XX/XX/2022, {$1000.00} was instructed to be sent ; on XX/XX/2022, {$1000.00} was instructed to be sent. 

Unfortunately, on XX/XX/2022, I recognized that my bank gradually returned the deposited XXXX checks. So, effectively, my own funds were used. On XX/XX/2022 and XX/XX/2022, I tried to ask XXXX to reimburse me, but they gave me the run around and not paid me back. Following my late realization, on XX/XX/2022, I filed a report with my local police precinct and submitted a claim about these XXXX transactions with Citizens Bank. My local police precinct deems this entire situation as fraud and is investigating as such ; Citizens Bank should do the same. I also filed a report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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 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 602 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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 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 602 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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is in response to the results of my complaint from ( XXXX ) in your response you state that I entered an agreement with XXXX, so if did not have a clear and conspicuous agreement with you than this account should be deleted from my credit file. Further more no federal law states a contract in a consumer transaction is validation for an obligation therefor chase sending me the contract is not proof of obligation of debt or that I should be forced to pay this debt I am not obligated too. This contract you claim proves I owe something in fact is just proof that I initiated this consumer tractions with my credit card. Also in the additional terms and condtions section part 44 of the contract SECURITY INTERESTyou grant us an irrevocable security interest in the following to secure performance of your obligation under the lease : ( a ) in a payment under any insurance policy or from any other party in payment for loss or damage to the vehicle ; ( b ) in the proceeds of any mechanical breakdown protection contract, service contract, or other optional product or service purchased as a part of this lease ; ( c ) any refunds of unearned premiums or charges for any of the forgoing. You authorize us to apply any amount we receive to your obligation under this lease this means you have already secured payment for any obligation involved with this transaction. 
Also I was never given the opportunity to opt out of having my nonpublic personal information shared with 3rd parties in accordance with Gramm-Leach-Bliley Act 15 USC 6802 ( b ). This is a violation and an invasion of my privacy. P.S if I did owe an obligation why is the balance in the account positive?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I opened a checking/savings account with Huntington approximately a month ago. 

On the day I opened my accounts, my pin number was set up and I was informed to expect the debit card in the mail. 

A couple of days after opening my account, I received an alert that {$9000.00} was taken out of my savings account. I called my local Huntington bank and a staff member informed me that a person was in " training, '' and it was an accident. I opened accounts at this branch because I'm currently dealing with identity theft regarding a different bank and am working with the Michigan State Police. 

It's not acceptable that it was an " accident. '' People in training should not be using consumer accounts to train. I can only imagine what would have happened if I had not caught the error. 

I called Huntington and was informed a debit card was never ordered so I again had to order a debit card. I was on the phone over THIRTY MINUTES just to order a debit card. 

Yesterday, I went to XXXX XXXX and paid with a check and the payment was declined. I used my ATM card and it was approved. THESE ARE THE SAME ACCOUNT!! 

I called the toll-free Huntington number and explained the situation. The representative said the check was approved and I told him it was not and read him the declined narrative. I told him my debit card approved the transaction. He said, " I'm confused, '' and told me to call back tomorrow. 

I'm really disgusted with all of the problems I've had with this bank especially given the short time frame I've had accounts. 

I would like compensation for all of the difficulties regarding error of which, NONE were made by myself. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: NV

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to the 15 USC 1681 I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy XXXX XXXX Bankruptcy XXXX XXXX bankruptcy XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
XXXX credit card with Barclays Bank was compromised in XX/XX/2022. New cards sent were also compromised. Talked to Barclays and closed the account in XX/XX/2022. Cards were still being used with my name and my address. Received emails about address changes and email changes-not mine as the account is supposed to be closed. Barclays is still trying to collect {$1400.00} from collection agency. None of this is mine. Purported purchases and cash advances were posted in New York state to a XXXX XXXX address. I live in South Carolina and know nothing of these purchases. I have frozen my credit thru XXXX, XXXX, and XXXX and they are working on this. I have talked to collection agency and they are investigating. We do not understand Barclays complete inability to resolve this. Why do they continue to issue cards when we closed our account at our address. We have complained to Barclays weekly since XX/XX/2022. I want my name and identity back. Barclay 's is incompetent in stopping 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 2022-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I received a decrease in my credit card limit with out Notice after I had a complaint about this company on XX/XX/2022 They Decrease My Limit All the way down to XXXX dollars and I don't understand

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-22 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I check my credit report and see inquiry on my report. I haven't applied for any credit for these inquiry to be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Goldman Sachs Apple Card charged me for repair of my XXXX claiming they did not receive my XXXX until XX/XX/2022. I have the XXXX receipt showing my XXXX was received on XX/XX/2022. I was given an extension to return my XXXX until XX/XX/2022 because I had to go out of town unexpectedly. I called and they left me on hold for over 17 minutes and 40 seconds and never came back to the phone. In New York State its legal to record a conversation in New York. New York is a one consent state when it comes to recording. XXXX told me Apple does not allow recording of a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I check my credit report, and see inquiry on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: NY

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

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

15 U.S.C 1681 Section 604 A Section XXXX : 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