vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 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:
While checking my Transunion consumer report, I notice unauthorized and fraudulent credit inquires made by the following companies ... Block and remove all Inquires listed below resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c- ( 2 ) which states that these inquires must be removed within 4 Business Days of receipt. I have also mailed out a FTC report to Transunion. 

XXXX XXXX  - XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and transunion did not modify or removed anything. 

The hard inquiries and student loans is not correct on all three credit reports on XXXX credit reports Which is a violation. This is impacting me from moving forward to buying a car. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.

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 2023-01-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. 

The hard inquiries and student loans is not correct on all three credit reports on XXXX credit reports Which is a violation. This is impacting me from moving forward to buying a car. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I thought I was upgrading my gold AMEX credit card to the XXXX XXXX XXXX XXXX Credit Card. I am the cardholder owner, I agreed to the terms and conditions. When I received the card, the sky mileage number was not assigned to me but, to another person in my household. This limited my access to the mileage account. I have called and XXXX times to get this resolved. AMEX and XXXX put the customer in the middle, not owning the customer experience. I paid {$720.00} to have a card and XXXX for my husband. As a benefit I am rewarded with access to the XXXX XXXX XXXX. On XX/XX/23, we went into the sky lounge, I was allowed access, my husband was not even though, he has the credit card and we should have had the guest passes - these are awarded but, were not in my wallet due to the fact AMEX put the wrong sky mile number on my credit card. Long story short, not only did I pay the {$720.00} annual fee my benefits were denied. I had to pay {$78.00} at the sky lounge for access. I was told by AMEX it would be refunded, XXXX hours later after a number of calls, frustration etc. I had to file a dispute. I have been put in the middle of both XXXX and AMEX pointing fingers at each other. XXXX the offer was deceptive and unclear. I ended up with XXXX credit cards- essentially I paid a {$95.00} annual fee on my gold credit card and then {$720.00} on the upgraded credit card, they would not close the old card and refund me the {$95.00}, so I had to switch to the blue card, then close it with a prorated refund. XXXX denied benefits and access to the delta lounge and today, it is not resolved. What is owed? 
XXXX. {$78.00} for the sky lounge XXXX. It was not clear that I would not receive companion fare for the first year ( deceptive marketing practices ) 3.Promises for upgrades etc. I believe this never happens XXXXNO one at AMEX is empowered to refund a customer, they quote policy and procedure XXXX. Complaints are only taken in writing via letter - XXXX XXXX does not allow for a private complaint only public- this creates trolls who try to call and represent AMEX only to deceive. AMEX does not make its practice to protect their customers I have spent more than a day getting my sky mileage numbers situated, and requesting the {$78.00} which was charged refunded. I am disheartened at how hard I have had to work to be a customer of AMEX. Please help me, but help everyone else as well. This is unfortunate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX, all through Comenity Bank. I got behind in payments and they set me up on a payment plan. They took the payments were taken out all last year. They continued on charging me late fees of XXXX anyway. Now my accounts have trippled. XXXX is XXXX, XXXX XXXX is XXXX, XXXX XXXX XXXX. The customer service number is XXXX. Hardship number is XXXX. I have contacted them several times to remove the late fees but they refuse. They are definitely ripping me off. I have been given the run around. I want it stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently pulled may report due to XXXX and XXXX data breached and saw an erroneous and inaccurate account. I have sent 3 letter and over 90 days later no response. I researched my rights and per FCRA 15 usc 1681 ( i ) all information being reported must be accurate. Which it s not and you are violating my rights as a US citizen.

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 2023-01-14 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: NY

Complaint narrative:
I recently pulled may report due to Equifax and XXXX data breached and saw an erroneous and inaccurate account. I have sent 3 letter and over 90 days later no response. I researched my rights and per FCRA 15 usc 1681 ( i ) all information being reported must be accurate. Which it s not and you are violating my rights as a US citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
My mobile number was hacked and ported out to different operator. Reported it to Police for a Police Report. Raised a ticket with FCC and FTC. My email ID was also hacked using the hacked Mobile Number. Hackers transferred out {$2200.00} from my Citizens Bank checking account using XXXX payment. My phone number was originally associated with XXXX XXXX XXXX account through XXXX. But the hackers used the stolen mobile number and linked it with my Citizens Bank account to transfer fund out of my account. This incident happened on XX/XX/2023 and I have contacted Citizens bank the same day and raised a dispute and claim to revert that fraudulent transaction. But Citizens Bank denied the claim within 2 days without contacting me. I went to a local branch in XXXX NJ and the XXXX XXXX also contacted the internal departments. But no resolution was provided. The Bank XXXX suggested me to contact XXXX as the transaction went through XXXX. I contacted XXXX and they said, I need to contact Citizens Bank and Citizens Bank need to raise a dispute with XXXX for the fraudulent transaction. This looks like a blame game from both side without providing any support that I need. As per XXXX, Citizens bank allowed XXXX to link up my stolen Mobile Number and approved the transaction. I am looking for a resolution and want my hard earned money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14 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: AFNI INC.
State: FL

Complaint narrative:
AFNI intentionally tried to lower my credit score. The third-party agency posted a negative mark on my credit report. First, my name on the bill is not correct, this account does not belong to this agency. They purchase debts from other businesses and claim I owe the money to them. They show proof of a telephone bill that can be obtained anywhere and I think by not validating the debt is a violation of the credit report fair act. I attempt to resolve this issue but they are refusing to comply. This agency is violating the act in many levels and I a demanding from they to delete this mark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: NC

Complaint narrative:
While checking my Equifax consumer report, I notice unauthorized and fraudulent credit inquires made by the following companies ... Block and remove all Inquires listed below resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c- ( 2 ) which states that these inquires must be removed within 4 Business Days of receipt. I have also mailed out a FTC report to Equifax. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: Marlette Funding, LLC
State: VA

Complaint narrative:
On XXXX XXXX, 2023 I received a message from XXXX XXXX informing me that a change in my credit information has occurred as a result of a hard credit inquiry. On XXXX XXXX, 2023 I requested a credit report from XXXX, XXXX and, XXXX. On each of the reports I identified an erroneous name ( XXXX XXXX XXXX has been added to my record as well as, XXXX telephone numbers ( XXXX and XXXX ) and, an erroneous last XXXX digits ( XXXX ) of a social security number. Additionally, I noticed a hard inquiry dated XX/XX/2023, from XXXX, XXXX XXXX XXXX XXXX, IN XXXX, tel. XXXX, appears on all three of my credit reports. Also, there are XXXX soft inquiries from : - XX/XX/2023 - BEST EGG, XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX, XXXX. 
- XXXX XXXX, 2023 - XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX. 
- XX/XX/ 2023 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX. XXXX. 
I contacted the credit bureaus to request my records be corrected. XXXX proceeded to add an alert to have businesses requesting inquiries to contact me to confirm my request for credit. The credit bureaus are requesting I report the incidents to the FTC and/or law enforcement authorities in order for them to maintain the alert in my records and correct the erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I CALLED EQUAFAX MANY MONTHS AGO BECAUSE THEY WILL NOT ALLOW ME TO SEE MY UPDATED CREDIT SCORE AND REPORT THEY STILL HAVE IT ON MY EQUAFAX REPORT AND I WANT THIS " INTERNAL BLOCK '' REMOVED IMMEDIATELY. 
THERE IS NO NEED OR WANT FOR THE INTERNAL BLOCK. EQUAFAX HAS NO ALERTS ON MY CREDIT REPORT NOR DO I WANT ANY ALERTS ON MY CREDIT REPORT AT THIS TIME. FOR ANYTHING RIGHT NOW AND I WANT THIS BLOCKAGE REMOVED ENCLOSED ATTATCHED IS PROOF OF ADDRESS AND MY SOCIAL SECURITY CARD NUMBER, WHICH IS PLENTY OF PROOF OF IDENTITY. THEY HAVE BEEN LESS THAN COOPERATIVE ABOUT THIS AND IM GETTING SICK AND TIRED OF THERE STALL TACTICS. CONSUMERS HAVE A RIGHT TO HAVE REPORTING ACCURATLY ON THERE CREDIT REPORTS UNDER 15 U.S.C 1681 I HAVE THE RIGHT TO HAVE THIS REMOVED EQUAFAX HAS ALL VERIFIATION OF MY IDENTITY ALREADY UNDER THE PROOF OF IDENTITY LIST ON THERE OWN WEBSITE EQUAFAX IS VIOLATING MY RIGHTS AND I WILL CONTINUE WITH AN ATTORNEY IF NEED BE. REMOVE THE INTERNAL BLOCK THAT YOU HAVE ON MY CREDIT REPORT AND ALLOW ME TO SEE MY REAL SCORE BECAUSE I KNOW MY SCORE IS NOT A XXXX. STOP THE STALL TACTICS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a completed investigation from Transunion regard accounts that I requested to be deleted due to inaccurate and unverifiable information. Only XXXX of the accounts where deleted and the other ones where labeled as updated. This company has consistently violated the Fair Credit Reporting Act and continues to furnish unverifiable information on my behalf with out my consent. They assumed this role and are violating the Fair Credit Reporting Act by not completing a proper investigation.

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 2023-01-14 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: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
I am writing this letter to dispute my late payment on my XXXX, XXXX, XXXX credit reporting on XX/XX/XXXX with BMW financial service for XXXX days late. I made a payment of {$950.00} from my XXXX XXXX XXXXXXXX bank account on XX/XX/XXXX, in which it shows posted and taking out on the XX/XX/XXXX of my account on my bank statement that is attached below. The payment was posted and within XXXX days before reporting to credit bureaus. I spoke with a BMW XXXX customer service representative on XX/XX/XXXX on a recorded line and he said my payment post on their end on XX/XX/XXXX, which he said is within the XXXX days as well but said its a automated system error and they dont have control over it and I will have to explain and put it in writing with proof. I have never had any issues of any negative reporting/marks on my credit report and do not plan in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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 — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander XXXX XXXX XXXX is reporting a charge off and and account with my name and when i wrote a certified letter to validate the debt the company ignored my letter and has not verified the debt and continues report the bad debt. This is a violation of the FCRA. The account doe not belong to me and is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
They charging me more then wat they are old

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 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. Account name : XXXX  XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 item 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 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 2023-01-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX called Citibank. After receiving no help, asked for a supervisor. She said that I should have funded this savings account. I explained that some time ago, the agent on the telephone instructed me to transfer {$25.00} from our checking account to keep the account activated. I did this but this supervisor said it had to funded from a debit card. 
This supervisor instructed me to write a letter to Citibank asking to reactivate the account so that I can transfer funds out and close it. 
Mailed the letter with all of the requested information on XX/XX/XXXX. As of today, XX/XX/XXXX I do not have my money. I can not transfer the money out as it remains deactivated. I did not receive anything in the mail from Citibank. Online it did state that they received my letter but are investigating. 
They have held my money XXXX for almost a month!

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 2023-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I downloaded the Experian app to look at any and all open accounts of mine on my credit. Seen a {$420.00} debt that was put to collections that is not mine. I did not and do not owe that money

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