vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 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: NC

Complaint narrative:
I have recently been informed that there is negative information reported by the Following companies in the file you maintain under my Social Security number : XXXX ) Account name : XXXXDEPT OF ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX. XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : US DEPT ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT These accounts were opened FRAUDULENT There are errors within the account information Upon reviewing a copy of my credit report, I see an entry listing CLOSED OR COLLECTION, such as I owe said amount or my account was charged off said amount ] in [ month/ year ]. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with [ name of creditor, collection agency, or court ] and provide me with copies of any documentation associated with this account, bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
Oportun Inc ( XXXX ) Allowed a credit card to be fraudulently opened in my name using a stolen email address from an identity thieve. XXXX, I already reported this to Oportun. I have not used this card to make any purchases, and I did not receive any credit cards from Oportun. The credit card was opened fraudulently using stolen Identification. I have fraud alerts on all 3 credit bureaus and Oportun did not make any efforts to clear the fraud alert before opening the credit card. I have not made any payment 's on this account. I did not receive any credit cards from this company, and I do not owe a balance to this company. This credit card was opened from an identity thieve and I did not authorize anyone to open any account 's in my name. I have already reported this to Oportun and nothing has been done about it. Oportun continues to report this to the credit bureaus with a balance of over {$530.00} owed which I do not owe. I did not receive a card from you, I do not know how to login to your site, and I did not make any purchases with a card I never received. I did not authorize this account to be opened in my name. This application and card are fraudulent, and were fraudulently obtained. This account should be closed. I am attaching my FTC Identity theft affidavit below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
First, Ive had my Shell XXXX XXXX since XXXX with a excellent pay history and a loyal customer. Shell added a {$50.00} increase on the card in XXXX but did not provide a credit limit increase in XXXX. I was in the hospital from XX/XX/XXXX - XX/XX/XXXX so I had someone paying my bills for me. However, they used my funds for their obligation then tried to pay my obligation later. Although Ive never missed a payment with Shell, my hope was they provide options once talking to them. 
I had XXXX with additional XXXX medical issue and even then they did not want to provide options. 
This is the 4th time requesting a credit limit increase that was denied. However, my concerns are the last 2 reasons for denial : XX/XX/XXXX - payment history to them or their affiliates XX/XX/XXXX - same reason as above Due to XXXX  related medical issues, it was explained to Shell ( Citi Bank ) reasons for the 2 months for late payments. I was assured the account is in good shape. Therefore, the late fee was waived as a courtesy with difficulty. 
On XX/XX/XXXX, I called the credit review department to discuss payment history reason for denial. The representative told me what caused the issue and proceeded to transfer me to customer service. Customer Service can not make credit limit increase decisions.

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 2022-06-23 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: AL

Complaint narrative:
In 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 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 rights 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.

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 2022-06-23 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: AL

Complaint narrative:
In 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 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 rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Accounts have violated my rights. 

XXXX XXXXXXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX XXXX  XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXXXXXX. opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.

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 2022-06-23 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: NC

Complaint narrative:
I sent a letter to the courthouse asking do they report " Dismissed '' bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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 explanation
Consumer complaint received 2022-06-23 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: NC

Complaint narrative:
I sent a letter to the courthouse asking do they report " Dismissed '' bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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:
Account Name : " XXXX XXXX XXXX '' Account # : XXXX XXXX XXXX XXXX does NOT have written authorization from me to pay any debts on my behalf. Therefore ; in accordance to 15 U.S.C 1681 Section 604 A Section 2, their " collection '' is a form of illegal activity for which I will not be financially responsible for.

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 2022-06-23 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: LEXISNEXIS
State: NC

Complaint narrative:
I sent a letter to the courthouse asking do they report " Dismissed '' XXXXXXXX  XXXX bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
In XX/XX/XXXX I approached the USBank Corp. with the intention of accessing my home equity and taking advantage of the special home equity loan rate promotion by USBank. I initially attempted to use the equity from a property in NC but the loan representation explained that rental property can not be used for home equity loans. We proceeded to establish the loan application using my primary residence in MD for the equity loan. We briefly discussed both properties and my mortgage history with them. The NC mortgage was 24 years along with no missed payments and the MD mortgage was 12 years along with no missed payments. I was fairly confident that I would get approved for the loan taking into account my most recent credit check and loan in XXXX. The loan process in XXXX was an auto loan and the approved rate was 2.9 % and the credit report/score at that time placed me in the top 5 %. With no derogatory actions in my credit report only unsecured debt, I was confident that USBank would approve my loan application. It was to my surprise that I was denied the equity loan and the loan agent forwarded the document that summarized the application rejection which had my credit score in the neighborhood of XXXX. I'm not sure what took place since XXXX but XXXX is low even for a new XXXX XXXX  just starting out.

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 2022-06-23 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: AZ

Complaint narrative:
Remove late payment from XX/XX/2021 for XXXX XXXX XXXX XXXX ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681

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 2022-06-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
I began banking and investing with Ally Bank in XXXX. Since then there have been no issues. On XX/XX/XXXX they randomly without warning closed my account. In doing so they froze all my stocks and I was unable to do anything with them or access my money. Then when I was forced to sell at the open on XX/XX/XXXX i incurred a huge loss. Now im waiting who knows how long to get my money still at which point I will have to get a new bank and trading platform and reinvest at a higher cost. Ally was more than happy to take my money and charge me margin interest for years. Then all of a sudden they take these drastic steps that they refuse to explain why or have any justification for that caused my family great financial hardship. A simple warning or asking me to close my account or even addressing whatever mistake ( misconception ) they made could have stopped this problem from occurring. But big old ally bank will go on just fine while i sit and type this with no access to any of my money for the continued future.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

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

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX  : -US DEPT ED 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-06-23 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX 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 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 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/22 I upgraded acct ending in XXXX from safe balance to XXXX XXXX to waive monthly {$4.00} fee for direct deposits total {$2400.00}. On XX/XX/22 however I received an email discussing a {$25.00} maintenance fee on advantage relationship banking which I never authorized, even though this account currently shows advantage plus. Until the correct email is received I will not consider the issue resolved. 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 monetary relief