vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below indicate my federally protected consumer right to privacy and confidentiality under 15 USC 1681 have been violated. 

XXXX XXXX XXXX PA Opened XX/XX/XXXX {$340.00} XXXX Opened XX/XX/XXXX {$710.00} 15 U.S.C. 1681 Section 602 A - This states I have the right to privacy 15 U.S.C. 1681 Section 602 A Subsection 2 - Also states a consumer reporting agency can not furnish an account without my written consent. 

15 U.S.C. 1681 Section C Subsection A5 - States no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 Section S Subsection A1 - States 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX, I was aware that there was an unauthorized transaction on my checking account with Citibank. It was a {$5800.00} on-line outgoing wire transfer processed on XXXX. I reported this fraudulent transaction immediately to Citibanks customer service and fraud department I explained to the bank that it was a fraudulent transaction, as : 1. I never added the beneficiary ( XXXX XXXX ) to the payee list of my account, and I didnt know him at all. 
2. I never provide any information required to the bank to verify this on-line wire transfer.

3. During the past 10 years, I have only conducted 3 wire transfers ( not including this fraudulent one ) on this account. And I always went to the branch in person to conduct the wire transfer transactions with my personal ID After I reported this case, the bank gave me a case number and indicated that they would respond to me. Unfortunately, I have never received any response. I have called the bank many times and the answer was that the case was still pending. On XXXX, I contacted the fraud department again and I was told that my request of refund was denied. I asked the bank to send me a written response with the reasons of the denial, and until as of today, I have never received any written communication through mail or email from Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$810.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$870.00} Status Account charged off. {$870.00} written off. {$870.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$510.00} Status Collection account. {$5.00} FCRA violations : payments never late XXXXXXXX XXXX XXXXXXXX XXXX Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment FCRA violations : addresses not mine XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXXXXXX 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 2022-05-14 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: KY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account Name us dept of educatio Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name usdoeXXXX Account # XXXX, Account Name us dept ed Account # XXXX, Account Name XXXX  Account # XXXX, Account Name us dept ed Account # XXXX, Account Name us dept of edXXXX Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name us dept of edXXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 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: KY

Complaint narrative:
in accordance with the Fair Credit Reporting act Convergent Account Name us dept of educatio Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name usdoeXXXX Account # XXXX, Account Name us dept ed Account # XXXX, Account Name XXXX  Account # XXXX, Account Name us dept ed Account # XXXX, Account Name us dept of edXXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name us dept of ed/XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: TX

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. HAS VIOLATED MY RIGHTS AND THIS ARE THE COMPANY THAT HAVE VIOLATED MY RIGHTS : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 AN 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 ITEMS 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed my account and so many charges. Was treated poorly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an account with American Express that had a card limit of {$10000.00}. I have had this account open for 2 years and Ive NEVER had a balance over 20 % of my limit ( which has always been {$10000.00} ). I recently tried to make a {$9000.00} purchase and it was denied for security reasons. When I called the company a very sarcastic and blatantly XXXX man told me that he suspected I was using this card for un-meaningful purposes, and lowered my credit limit to {$1000.00} without even telling me he would do so. I have never missed a payment and I am of XXXX decent, my name is XXXX XXXX. I have absolutely nothing in my account history to warrant a massive credit deduction as such. Even my credit reports show for the last 12 months Ive only utilized 20 % of my available credit and I have had a consistent credit score of XXXX in these months. This is absolutely horrible, unwarranted on a account thats never had a 20 % + running balance ever in its 2-year existence. I tried calling this card company back but received little help. Whenever I call the card company i speak to XXXX workers who seemingly always have a XXXX ( sarcastic ) attitude because of my voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My debit card was charged 6 times between XX/XX/22 and XX/XX/22 for a total of {$480.00}. They were all done at XXXX in XXXX and 4 of the transactions were for {$85.00} each. 2 transactions happened on XX/XX/22. I reported these fraudulent transactions to Chase as I did not make them and I have never lost my card nor have I given anyone my PIN number. Chase denied my claim. I then submitted proof that I was not in XXXX at the time the they were made by providing my employers timecard but they still denied it and said there is nothing else they can do. They are not able to tell me the exact gas station as there are several shell gas stations in XXXX. I don't know what else to do as this is the 1st time this has happened and the bank is unwilling to help me and said I have to take the {$500.00} loss which I canf afford to do. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Today, I received notification through credit monitoring that XXXX XXXX ( XXXX XXXX XXXX ) reported a balance of {$560.00} on XX/XX/2022. As of XX/XX/2022 according to the statement, the balance that should have been reported to the credit bureaus is {$120.00} This inaccurate reporting has caused my credit score to drop XXXX points as the balance of {$560.00} reported on XX/XX/XXXX exceeds my credit limit on the card. 

I have previously had an issue with XXXXXXXX XXXX ( XXXX  XXXX XXXX  ) inaccurately reporting to XXXX less than a month ago. This is an ongoing issue as this company is not reporting accurately to the bureaus. I was told by the representative today that they reported on XX/XX/XXXX and gave them the balance that they had. Even if they reported the previous month 's statement balance, the balance on the statement was {$0.00}. 

When the company was called, I was told I would have to wait until the next month for them to update the account. That is unacceptable when they made the error and caused my score to drop XXXX points. I am currently scheduled to close on a home. I do NOT have another 30 days to wait for XXXX XXXX ( XXXX  XXXX XXXX  ) to correct their inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Today, I received notification through credit monitoring that XXXX XXXX ( XXXX XXXX XXXX ) reported a balance of {$560.00} on XX/XX/2022. As of XX/XX/2022 according to the statement, the balance that should have been reported to the credit bureaus is {$120.00} This inaccurate reporting has caused my credit score to drop XXXX points as the balance of {$560.00} reported on XX/XX/XXXX exceeds my credit limit on the card. 

I have previously had an issue with XXXX XXXX ( XXXX XXXX XXXX  ) inaccurately reporting to XXXX less than a month ago. This is an ongoing issue as this company is not reporting accurately to the bureaus. I was told by the representative today that they reported on XX/XX/XXXX and gave them the balance that they had. Even if they reported the previous month 's statement balance, the balance on the statement was {$0.00}. 

When the company was called, I was told I would have to wait until the next month for them to update the account. That is unacceptable when they made the error and caused my score to drop XXXX points. I am currently scheduled to close on a home. I do NOT have another 30 days to wait for XXXX XXXX ( XXXX  XXXX XXXX  ) to correct their inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: CA

Complaint narrative:
I received numerous inquires on my credit report. I have not applied for any credit since XX/XX/2021. I reached out to all 3 bureaus and they were no help at all. I disputed the inquires with XXXX and they came back validated which is funny. You have to give written consent to run credit via an application, etc. There is no such thing regarding theses accounts. This is a violation on the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 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: CA

Complaint narrative:
I received numerous inquires on my credit report. I have not applied for any credit since XX/XX/2021. I reached out to all 3 bureaus and they were no help at all. I disputed the inquires with Equifax and they came back validated which is funny. You have to give written consent to run credit via an application, etc. There is no such thing regarding theses accounts. This is a violation on the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I try to correct my personal information and remove but the credit bureaus refused to do it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I try to correct my personal information and remove but the credit bureaus refused to do it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I try to correct my personal information and remove but the credit bureaus refused to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act 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  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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX, XXXX, 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 XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent several dispute letters to XXXX, Equifax, and XXXX about an incorrect account on my credit report from XXXX XXXX. XXXX could not verify and sent me proof of the debt so it was deleted. I requested the debt be verified and to be sent proof from all three agencies. Equifax and XXXX refused to correspond in regards to the debt on all occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Unable to get my free Equifax annual credit report online as promised on XXXX XXXX. 
An error message claims Equifax is unable to verify my identity but no such error occurred with the other reporting agencies. As a result I now have to wait 6 weeks for my ordered annual credit report over the phone or by mail. 

When I clicked on the link to check my Equifax credit report, a page stating that the system was not available and takes me to a page that states Status404 - not found the origin server did not find a current representation for the target resource or is not willing to disclose that one exists. After it says, " report already received '' and I have not received my free annual credit report from Equifax. This is not the first time, which tells me they don't care nor have intentions on solving this issue. It would not let me back in the site. I have gone to Equifax website, but you must purchase a product in order to speak with a human person. The links connected with the Fair Credit Reporting Act for their site are not active, there is no phone number to resolve issue. You can't even order a credit report without signing up for a monthly subscription.

Company response to consumer: Closed with explanation