vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2023-03-20 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: VA

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX  XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : CREDIT XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : AAA ) Account # XXXX Account Name : ( Original Creditor : ) Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

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 2023-03-20 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: VA

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : CREDIT XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # XXXX Account Name : ( Original Creditor : ) Account # 1026**** Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Applied for, and was immediately approved for, a Citibank credit card with a promotional sign up bonus ( 20 % off Bloomingdales purchases in the first two days, up to {$250.00} ). I placed a qualifying order, which was cancelled after pending for three days. On investigation, it turned out that the card was declined as it was pending some sort of verification check ; Citibank never reached out to me ( although I provided complete contact information, and as far as I knew from web application had been approved ). I asked whether the sign up offer would be honored now that three days had passed, and was told it would not be. This seems to me at best misleading ; I abided by the terms of the card promotion, yet am deprived of the inducement.

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 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/23 I made a XXXX deposit to the atmosphere at the bank branch, the money got stuck and ripped in the machine a XXXX I hit the button to return all tge money and the machine kept it and did not credit my acct at all. It was a XXXX and some XXXX. I filed a claim and the bank said because they couldn't find it I can't get my money back. They didn't even disassemble the atm.. I want my money back that the bank stole from me. Claim 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 explanation
Consumer complaint received 2023-03-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-20 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: Westlake Services, LLC
State: CO

Complaint narrative:
Car was in an XXXX XXXX but not repossessed and I paid off the loan but it says it was repoed.

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 2023-03-20 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 Account XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681 section 604 A. State I have the right to privacy.

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

Account have either been Paid in full or state inaccurate dates

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 2023-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I received a surprise notice of debt collection from Credit Collection Services indicating I had an uncollected debt owed for {$71.00}. 

There was no detail beyond that this company was collecting the debt on behalf of XXXX. As a patient I have an account with XXXX indicating I had no obligation due. 

I never received any bill from any provider regarding this charge. I called XXXX and they confirm there was a billing error. As evidence I am attaching the bill which indicates an address that does not exist. The company combined the street of my temporary address and the city of my permanent address. This is the exact reason why I did not receive the medical bill. In the attachment you will see the red circle is a completely incorrect address. 

Upon realization of this error I immediately paid and XXXX admitted its mistake. However the bill was already sent to the debt collection agency. 

Up until this point I have not received a validation notice and therefore there should be no reporting of the already satisfied in full debt to any and all credit reporting companies. The evidence of payment is also attached. 

I spent an hour trying to speak to someone as the agency and was left on hold. I provided all proof to all parties indicating the satisfied debt that I was completely unaware of.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate or unauthorized. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and complete credit reports, and I believe that the items in question do not meet these requirements. 

Specifically, there are several unauthorized inquiries listed on my credit report that have reached the statute of limitation, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX. I did not provide authorization for any of these inquiries, and I have no knowledge of them. 

In addition, there are several accounts listed on my credit report that do not belong to me, including XXXX  ( account number : XXXX ), XXXX XXXXXXXX XXXX  ( account numbers : XXXX and XXXX ), XXXX ( account XXXX : XXXX ), XXXX XXXX ( account number : XXXX XXXX XXXX XXXXXXXX ( account number : XXXX ), and XXXXXXXX XXXX ( account number : XXXX ). According to the FCRA, credit reporting agencies are required to maintain accurate information, and any information that is inaccurate, incomplete, or unverifiable must be promptly removed or corrected. 

Therefore, I am requesting that you investigate these items and take appropriate action to remove them from my credit report. I have also included a copy of my credit report with this letter for your reference. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by the FCRA. 

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 non-monetary relief
Consumer complaint received 2023-03-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate or unauthorized. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and complete credit reports, and I believe that the items in question do not meet these requirements. 

Specifically, there are several unauthorized inquiries listed on my credit report that have reached the statute of limitation, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX. I did not provide authorization for any of these inquiries, and I have no knowledge of them. 

In addition, there are several accounts listed on my credit report that do not belong to me, including XXXX ( account number : XXXX ), XXXXXXXX XXXX XXXX  ( account numbers : XXXX and XXXX ), XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), XXXX XXXXXXXX ( account number : XXXX ), and XXXX XXXX ( account number : XXXX ). According to the FCRA, credit reporting agencies are required to maintain accurate information, and any information that is inaccurate, incomplete, or unverifiable must be promptly removed or corrected. 

Therefore, I am requesting that you investigate these items and take appropriate action to remove them from my credit report. I have also included a copy of my credit report with this letter for your reference. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by the FCRA. 

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 non-monetary relief
Consumer complaint received 2023-03-20 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
regarding CFPB Case # XXXX - There is still a discrepancy of owing me {$100.00} from a duplicate charge in error. I was charged {$120.00} 3 times, was credited back {$120.00} two times. I have a printout receipt from the store that I only received goods totaling {$28.00} which means I am still owed {$100.00}

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 2023-03-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that are currently listed on my credit report. I have reviewed my report and found several items that I do not recognize and believe may be fraudulent. 

Firstly, I am disputing an inquiry from XXXX XXXX  XXXX dated XX/XX/XXXX. I have no recollection of authorizing this inquiry and suspect it may be fraudulent. Therefore, I am requesting that it be removed from my credit report immediately. 

Secondly, I am disputing inquiries from XXXX XXXX and XXXX XXXX, both dated XX/XX/XXXX. Again, I do not remember authorizing these inquiries and suspect they may also be fraudulent. Therefore, I am requesting that they be removed from my credit report immediately. 

Additionally, I am disputing several accounts that I have no recollection of belonging to me. These include an account with XXXX XXXXXXXX, account number XXXX, an account with XXXX XXXX, account number XXXX, and an account with XXXX XXXX, account number XXXX. I believe these accounts are frivolous and should not be listed on my credit report. Therefore, I am requesting that they be removed immediately. 

Lastly, I am disputing an inquiry from XXXX XXXX dated XX/XX/XXXX. I do not remember authorizing this inquiry and suspect it may be fraudulent. Therefore, I am requesting that it be removed from my credit report immediately. 

I appreciate your attention to this matter and look forward to receiving confirmation of these items being removed from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TX

Complaint narrative:
Pursuant to 18 usc 8, I owe no debt this violation my consumer right to privacy pursuant to15 usc 1681 B 2 company has no permission to report anything using my info pursuant to 15 usc 1681 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 2023-03-20 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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank offers a bonus for opening a new checking account but once the customer fulfilled the obligations of the promotion, no bonus was paid out. The account was opened in XX/XX/XXXX and over {$6000.00} was successfully direct deposited before 60 days. Attempts to resolve this with U.S. Bank representatives resulted in a ticket generated on XX/XX/XXXX but no additional response from the team since. Additional communication to support revealed ticket was not found on XX/XX/XXXX U.S. Bank is offering a checking bonus of up to {$500.00} when you open a Smartly Checking account. You need to complete the following requirements : Enroll in online banking or the U.S. Bank Mobile App. 
Complete two or more direct deposits. 
The bonus you receive depends on the total of the direct deposits : - Earn {$300.00} when your direct deposits total {$3000.00} to {$5900.00}. 
- Earn {$500.00} when your direct deposits total {$6000.00} or more

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 2023-03-20 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: CA

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681 section 604 A. State I have the right to privacy.

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

Account have either been Paid in full or state inaccurate dates

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