vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: OH

Complaint narrative:
There is an account and an inquiry on my credit report that I don't recognize nor authorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have the FTC affidavits attached and I sent these to the company over a month ago and have heard nothing from them In accordance with the FCRA, I am now withdrawing my consent. I the consumer may have given you written, verbal & nonverbal consent. I'm now rescinding the 1974 Privacy Act and Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights & took criminal actions also by reporting, transaction history which is illegal as well under the 16 CFR 313.7.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.

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 2022-12-07 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: MA

Complaint narrative:
n 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. 

XXXX : XXXX, 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 my written instructions.

15 USC 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s2- ( 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 2022-12-07 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: MA

Complaint narrative:
XXXX 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. 

XXXX XXXX XXXXXXXX, 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 my written instructions.

15 USC 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s2- ( 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 2022-12-07 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: LA

Complaint narrative:
I mailed a letter to TransUnion to check my credit report for accuracy and to verify each account and if it can't be properly verified and my credit report isn't accurate, then to delete each account from my credit profile. I sent this dispute letter on XXXX to reinvestigate each account by XXXX certified mail under tracking number ( XXXX XXXX XXXX XXXX XXXX ). It's been more than XXXX days has passed and still no response from the bureau. I then sent another letter to TransUnion to delete each account from my credit report due to the bureau not being able to verify the accounts in XXXX days. This letter was sent by XXXX certified mail under tracking number ( XXXX XXXX XXXX XXXX XXXX ). After I sent the letter I called TransUnion and they still didn't remove items which is a violation. According to 15 U.S. Code Sec. 1681i. Procedure in case of disputed accuracy. They didn't send any letter or inform me of them conducting an investigation by mail to my current address. Also 15 U.S.Code 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I'm attaching a copy of both letters I sent to the credit bureau and my state ID and proof of address, which was also sent to the bureau along with the letters. Below is the accounts that was in my letter to be verified and check for accuracy, which the bureau didn't. 
Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX 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 2022-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 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: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 States : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to report. Here is the list of items that do not belong to me or were opened without my permission. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have tried multiple times this year to open a virtual wallet account both online and in the branch to no avail. I was told I had a previous account that I needed to pay off, and have done so nearly a year ago and yet I still can not open an account and no one know tell me why, I have pulled the credit report agency they use and there is no negative information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I received an offer from Citizens Bank to receive a {$300.00} Checking bonus with a {$500.00} direct deposit within 60 days of the account open date and a {$300.00} Savings bonus if I deposited {$200.00} every month for 3 months according to their calendar. After being approved for the accounts, I made opening deposits on XX/XX/2022. I then followed the byzantine and complex steps specified on the offer postcard. I can send you a copy of their offer document for your reference. Despite following all of their rules for both accounts, I have never received the bonus monies to my checking and savings accounts. Therefore, I called Citizens customer service in XXXX asking for an update on the promised deposits but the call was then routed to an international call center and I was put on hold for 15 minutes before the call was disconnected. I tried again twice in XXXX, and the same results. Long wait times and then the call is disconnected for no rhyme or reason. Despite having my phone number and email address, no one has followed up with me. It seems Citizens routes such calls to the international call center to screen calls related to these bonuses in an effort to prevent the payout. Yet, I am regularly receiving offers in the mail from Citizens for HELOC 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of Identity theft and I have sent letters to both Experian and XXXX XXXX informing them of a fraudulent loan account that is being reported on my credit file. I have sent multiple letters to Experian asking them to remove this fraudulent account off my credit file. My most recent letter was sent on XX/XX/2022. I sent this letter certified mail and have the certified mail receipt and proof of delivery from the United States Postal Service. I have also sent multiple letters to XXXX XXXX informing them of the theft of my identity and asking them to remove this fraudulent account off my credit file. The most recent letter sent to XXXX XXXX was sent on XX/XX/2022 as well. After sending multiple requests to both Experian and XXXX XXXX XXXX neither has honored my request to have the fraudulent account information removed from my credit file. I also sent emails to XXXX on XX/XX/2022 and XX/XX/2022, with investigate credit in the subject line as instructed by XXXX. In these emails, I provided them a letter detailing the theft of my identity, and a Identity Theft Report from the Federal Trade Commission, and asked them to remove the fraudulent account from my credit file. These are the same documents that I have sent to Experian as well. With these documents, I have included all the necessary documentation to prove that I am a victim of identity theft including identity theft reports, police reports, copies of my driver 's license, social security card, and proof of address. I need this fraudulent account information removed from my credit file immediately because I did not open any loan account with XXXX XXXX XXXX nor did I authorize anyone to open an account with my information.

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 2022-12-07 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: NY

Complaint narrative:
I am a firm believer that credit reporting agency is retaliating against me for filing a complaint against them. 

On XX/XX/2022, my credit score was XXXX. As I continued to pay down the debt I owed it was trending upwards. 

On XX/XX/2022, my credit score randomly dropped by a total of XXXX pts. My score went from a XXXX to XXXX. 

On XX/XX/2022, my credit score rose by XXXX. From XXXX to XXXX. 

This made absolutely no sense because I was paying down all my debts to my creditors. My score should have increased dramatically not decreased. On top of that I did not have any new inquires, collections, account creations or an increase in my credit utilization. I looked through my report and there was no plausible reasoning as to why my credit score was decreased. 

As you can see the reporting is extremely broken and needs to be rectified immediately.

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 2022-12-07 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: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to report. Here is the list of items that do not belong to me or were opened without my permission. 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 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 XXXXXX/XX/XXXX According to FCA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/22 I purchased a " XXXX XXXX '' office chair for {$250.00} on my Bank of America credit card. It was to be delivered within a week. On XX/XX/22 I still had not received it. The phone for the company did not answer. I asked the company to refund my money and when I did not get a reply to my email, I put in a Dispute with Bank of America. A few day later the chair arrived but when I opened the box the chair was in pieces, without any instructions as to how to put it together and obvious pieces missing. It also looked like it was used, it had dirty, scuffed wheels. It also turned out to be a fake/knock off XXXX XXXX XXXX XXXX I called & emailed the company and after many correspondence they sent a return authorization. On XX/XX/22 XXXX picked it up and delivered it on XX/XX/22 XXXX according to the Proof of Delivery.

I asked the company to refund the money but they didn't I called Bank of America, spoke with a representative and told her what happened and she told me that since I already disputed it and that I already received a credit. Today I received a letter from Bank of America saying that they are reversing the credit stating " We've thoroughly reviewed the details of your dispute ( s ), and based on the information we received, we're unable to pursue your dispute ( s ) further. We received information or documentation to support that the merchandise was available, or shipped to the agreed upon location. '' I tried to Dispute it again on line, but it is not possible. I called and spoke with a representative and she said she could not help and to do it online. There is no way to send a message online to Bank of America & no way to dispute it online again.

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