vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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: FIRST NATIONAL BANK OF OMAHA
State: UT

Complaint narrative:
On XX/XX/23 a XXXX XXXX XXXX credit card managed by FNBO was opened in my name. Around that same time my email was being used to sign up for multiple newsletters. I reached out to FNBO on XX/XX/23 and they helped me to close the account. FNBO was unable to verify if any charges occurred on the 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 non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX account # XXXX and XXXX #, On XX/XX/XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX, XXXX and account # XXXX was listed on credit report. On XX/XX/XXXX XXXX XXXX  account was listed on credit report showing an active utilization of credit 93 %. Account is closed with a XXXX balance. Reporting is inaccurate. XXXX XXXX XXXX listed an account with an active utilization of 79 %. Account is closed balance is XXXX. No utilization. Reporting is inaccurate. In accordance with the above act these companies 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. 
are listed on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: CL Holdings LLC
State: AL

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.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A 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 written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
XXXX XXXX isn't the proper creditors as of XX/XX/2023, XXXX XXXX has sold the debt of {$1400.00} to radius global solutions LLC. XXXX XXXX XXXX XXXX NJ XXXX RADIUS REFERENCE # XXXX Account number : XXXX Debt validation letter

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 2023-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX isn't the proper creditors as of XX/XX/2023, XXXX XXXX has sold the debt of {$1400.00} to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NJ XXXX XXXX REFERENCE # XXXX Account number : 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 2023-02-28 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: VA

Complaint narrative:
XXXX XXXX isn't the proper creditors as of XX/XX/2023, XXXX XXXX has sold the debt of {$1400.00} to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NJ XXXX XXXX  REFERENCE # XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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:
These 8 inquiries do not belong to me. They were unauthorized on my credit : XXXX XXXX XXXX Date : XX/XX/2022 XXXX XXXX Date : XX/XX/2022 XXXX XXXX Date : XX/XX/2022 XXXX XXXX  Date : XX/XX/2022 XXXX XXXX XXXX Date : XX/XX/2022 XXXX XXXX Date : XX/XX/2022 XXXX XXXX XXXX Date : XX/XX/2022 XXXX XXXX XXXX  Date : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: Commercial Acceptance Company
State: DE

Complaint narrative:
I received a notice from XXXX on XXXX XXXX To be clear I never was sent proper notification via a dunning letter. Yet XXXX reported this medical debt for XXXX without any type of validation, and were totally dismissive during my outreach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: NV

Complaint narrative:
delete these inquiries XXXX XXXX XXXX via XXXX XXXX inquired XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX via XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX, XX/XX/XXXX equfax my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX  my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX, XXXX - XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX- XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXXXXXX my credit was accessed on XX/XX/XXXX by XXXX - XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX  my credit was accessed on XX/XX/XXXXXXXX by XXXX XXXX XXXX XXXX XXXX my credit  was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: NV

Complaint narrative:
delete these inquiries XXXX XXXX XXXX XXXX XXXX XXXX  inquired XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX via XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXXXXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX, XX/XX/XXXX XXXX  my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX, XXXX - XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX- XXXX XXXX XXXX XXXX was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX - XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by 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 2023-02-28 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: DE

Complaint narrative:
I received a notice from Equifax on XXXX XXXX To be clear I never was sent proper notification via a dunning letter. Yet equifax reported this medical debt for XXXX without any type of validation, and were totally dismissive during my outreach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I reported fraud on my checking account to Bank of America via telephone. 3 checks had been fraudulently presented to Bank of America and had been cashed. The bank called me on XX/XX/XXXX while I was on vacation in another state and asked me to verify one check in the amount of {$2200.00}. I was unsure about the transaction and asked to speak to the check presenter and the teller declined to let me. I ultimately approved the transaction. Upon reflection I called the bank back about the check and discovered two other checks had been presented and cashed. The bank never contacted me to verify two other checks for {$2200.00} and {$2200.00} ; they cashed them. I can not get any information from B/A other than an investigation is " in progress ''. They will not advise me of my rights, or when they are required to complete their investigation. I called on XX/XX/XXXX and on XX/XX/XXXX. They initially sent me a notice that thy had not paid the check for {$2200.00}, but a review of my account shows otherwise.

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 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022, I opted to open a citibank checking account promoting {$50000.00} for a {$1000.00} bonus. Ive met all terms and conditions. I never received the bonus. Several expedited inquiries, including requests from the branch manager have all been ignored. Its been OVER 5 months since the initial deposit was made.

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 2023-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express isn't the proper creditors as of XX/XX/2023, American Express has sold the debt of {$1400.00} to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX # XXXX Account number : XXXX Debt validation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
On XXXX XXXX XXXX I contacted Synchrony Bank in regards to my TJMaxx credit card replacement that I had requested back in XX/XX/XXXX due to a name and address change. Synchrony Bank received the verified documents that I had mailed to them in XXXX and mailed me a new card. However... I never received this card, and subsequently, my account was closed! I have had this account for 11 years and it was ALWAYS in perfect standing... NEVER late on a payment. 
And of course, NO ONE had an exclamation of WHY it had been closed. 
I called 3 times ... once the service rep said they were having technical issues and couldn't give me a reason why it had been closed, 2nd time I was put on hold for 15 minutes and my last call was dropped after being told by a recording that every rep was busy. 
This is so typical of today 's incompetent customer service reps ... No one has any decent and professional work ethics anymore. EVERYONE wants to work remotely so they don't have to be accountable. 
( Attached is the conversation from " Live Chat ''.

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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately. 

Please remove all negative accounts and the bankruptcies off of your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Plastyc, Inc.
State: NC

Complaint narrative:
While my password or phone number was not changed, someone was able to cash out my account without my knowledge to a financial institution account that does not belong to me. The company has taken no responsibility and contend that no funds can transfer without my consent by email or text. I received no notification that there was an attempt to change information or password or that cash out transaction was being done. Further the company will not disclose the routing number or account number that my funds were cashed out to.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MI

Complaint narrative:
Paid last month of rent at apartment complex and moved out, debt collection agency took over fees I did not know about and placed {$12000.00} in collections on my credit report without any written notice or validation of debt. Company is named Hunter Warfield and has harassed with phone calls which I would not answer unknowing if it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: MD

Complaint narrative:
XXXX has not sent the correct status of an alleged student loan debt in the amount of XXXX to all three major credit agencies. The alleged student loan debt was closed XX/XX/2022 yet all three agencies are reporting damaging information on my consumer 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 explanation
Consumer complaint received 2023-02-28 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: MD

Complaint narrative:
XXXX has not sent the correct status of an alleged student loan debt in the amount of XXXX to all three major credit agencies. The alleged student loan debt was closed XX/XX/2022 yet all three agencies are reporting damaging information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX has not sent the correct status of an alleged student loan debt in the amount of XXXX to all three major credit agencies. The alleged student loan debt was closed XXXX  yet all three agencies are reporting damaging information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Investors bank was taken over by citizens bank My direct desposits pay was cancelled See attached Your bank has re-routed the direct deposit as a courtesy however ; please keep in mind your direct deposit set up is currently cancelled. We'll need you to fax or email a voided personal check with the updated routing number. If you do not have a personal check with the updated information, please have a bank representative provide you a typed letter ( on bank letter head ) or bank direct deposit form which should include your name, routing & account numbers, and type of account ( checking or savings ). 
We require supporting documentation from you before updating your direct deposit information. 
A secure link will follow for you to attach the information I contacted citizens because they never provided checks they never provided any if the things needed to keep the direct deposits payroll working The representives that answered the phones ( hang up me ) say I dont need this documentation that it should just go thew. That no one besides me is having this issue. 
As you can see they were given three options. 
I ordered checks but they are going to take time to get to me. 
I was told that they will nit supply a letter I was told that they will send a deposit slip but that it would be put in regular mail which is bulked shipped out after it is weight They do not care if I get my money These banking institutions should be held liable for the fraud they committe on the customers Also there log into yo the account doesnt even use special characters only=numbervand letters This is so outdated and unsafe no one knows this information till after the bank takes over all the paper work we get says everything will transition over easy Nothing easy about these transactions Ive been threw at least 4 in the last couple years Im waiting for the regional manager to contact me but Ive been waiting over 5 hours. And of course no response. Im attaching a text chain that I have with the last regional manager XXXX. He was the regional manager Only supplied the first name no phone number after numerous times asking for a full name and phone number Ive been waiting for XXXX new regional manager XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
XXXX XXXX didn't provide any written letter regarding my right to dispute the current debt at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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:
Hi, There are several number of inquiries for credit -- - on my credit report from the past few months in XXXX, that I did not make and are not aware of. These are currently listed on my reports and is hurting my quality of life for me and my family. 

XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX and another in XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX - XX/XX/XXXX I have attached a letter from XXXX XXXX  XXXX stating that they acknowledge that I didnt make inquires on XX/XX/XXXX. But the Credit bureaus are still listing on my credit report making money off of me, this is wrong.

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 2023-02-28 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:
Hi, There are several number of inquiries for credit -- - on my credit report from the past few months in XXXX, that I did not make and are not aware of. These are currently listed on my reports and is hurting my quality of life for me and my family. 

XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX and another in XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX - XX/XX/XXXX I have attached a letter from XXXX XXXX  XXXX stating that they acknowledge that I didnt make inquires on XX/XX/XXXX. But the Credit bureaus are still listing on my credit report making money off of me, this is wrong.

Company response to consumer: Closed with explanation