vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT FILE XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: OH

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate and so much more. This grounds for removal they also violated my rights under 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 : XXXXXXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : CXXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX ( XXXX removed XXXX XXXXXXXX XXXX due to inaccuracies ) Account name : XXXXXXXX XXXX  Account # XXXX ( XXXX removed XXXX XXXX XXXX due to inaccuracies ) Account name : XXXX ( XXXX and XXXX have it has XXXX ) Account XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Also the credit bureau took more than 30 days to complete my investigation , here is my complaint ID # XXXX opened on XX/XX/2022 and company responded on XX/XX/2022

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2022-11-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX we left two deposits for a cruise on XXXX XXXX  on our mastercard. The company went out of business and in XX/XX/XXXX we recieved one refund for {$4200.00}. The other deposit for {$4300.00} Has not been refunded. I have talked to many representitives from Citibank and each time they say it will be resoloved in 7-10 days.I called on XX/XX/XXXX and talked to XXXX. On XX/XX/XXXX with XXXX XXXX of XX/XX/XXXX. XX/XX/XXXX with XXXX XXXX time they said that it was being worked on. On XX/XX/XXXX I recieved a letter from the " customer service team '' That they are continuing to work on the claim. Its now XX/XX/XXXX and I still have no resolution. Are they going to pay or not. If not I need a letter stating why they are not paying the claim.

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 2022-11-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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: VA

Complaint narrative:
I have mailed each bureau XXXX letters and made approx. XXXX phone calls to get this matter cleared up. They continue to report inaccurate information and I have told them I did my research as a XXXX citizen and it is illegal to report inaccurate and misleading information per FCRA. I also asked them to verify the information per FCRA 15 usc 1692g and they continue to ignore me.

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 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
My m & t bank account has been blocked XX/XX/2022. I called to see why that day and was told because of a check deposit. I was told i could not access my account until those 5 days were up. I went into the bank that Saturday with my account number and state drivers license and was told by the teller they could not give me any information on my account because it was still locked. I called customer service to see why the lock was still on and was told the check came back unpaid I should be able to go inside the branch to speak to the manager and he can email the department handling my case so u can access my available funds. I did that but never received a call back. Today XXXXXXXX XXXX  I tried to log on my online banking and its still blocked.i called the fraud department and asked her when the lock will be taken off so that I can have access to my available funds and she looked at notes and told me there hasn't been any updates that she can tell me and on my file but that I should be able to go into the branch and they can assist me. i told her I tried that twice and they can not help me. She said there's nothing else that she can tell me.

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 2022-11-14 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: FL

Complaint narrative:
There is Information being reported on my consumer report that doesn't belong to me, I have disputed the items and I would like them removed immediately. I do not give consent or permission for Experian to furnish this 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 non-monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This letter is in response to your recent claim that EXPERIAN verified the accounts they are reporting are accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please have the company provide the following : o The description of the procedure used to determine the accuracy and completeness of the information. 

o The name, address, and telephone number of each person contacted regarding this alleged account. 

o A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 

I am requesting a re-investigation along with their method of verification. The items in question are inaccurate and represent a very serious reporting error. They are listed below. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 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. XXXX XXXX XXXX XXXX XXXX BANK, 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.

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 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 2022-11-14 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company XXXX XXXX  Pursuant to 15usc 1692a ( 5 ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The organization who has this contract is now the debtor. The reason I asked for my signature is because this organization used my signature as a form of transaction to sell to other third-party security markets to profit. This XXXX XXXX debt collector left a receipt of this inquiry ( XXXX XXXX ) on my consumer report to destroy my credit. So, therefore, I am not the owner of this debt. If you can not send me the contract, then by law you have to remove this student loan from my consumer report. Do not send me a bill, I am asking for a contract of this debt with my signature. Again, do not send me a bill. Please remove US DEPT OF EDXXXX, US DEPT . OF EDUCATIO, and XXXX from my consumer report. Failure to comply would leave me no choice but to take legal action against this consumer reporting agency. Thank you.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX  Bankruptcy Court : U.S. Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 -Today I contacted NORTHERN DISTRICT OF ALABAMA located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with the phone number ( XXXX ). They informed me that they do not supply information the third parties. How did you verify this public 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 non-monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc
State: GA

Complaint narrative:
I recently went through a background check with a company called checkr, XXXX uses them to perform background checks on their driver 's for employment I've updated my contact information and I provided them with my driver 's license and checkr refuses to accept my valid driver license. I've tried several times to give checkr my information but they refuse to take my driver 's license. they have an invalid wrong information on file. I told them several times that I am a XXXX  resident I no longer live in XXXX  here 's my valid driver 's license please use it when you do your background check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DOLLAR MUTUAL BANCORP
State: OH

Complaint narrative:
In XX/XX/2016 I purchased a home through Dollar Bank using the FHA program. During my home search I expressed wanting to purchase a multi-family property that would be owner-occupied. I was told by the banker that FHA changed it's rules and I could not purchase a multi-family home. I have come to learn that I, in fact, could have purchased a multi-family home using the FHA program, and I have been feeling cheated ( and redlined ) out of the home I truly wanted and would have been happy living in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up for a bank of america business checking promotion ; it was to deposit XXXX XXXX for 3 months and maintain it to get {$500.00} promotional bonus. 

Now they are refusing to give me {$500.00} bonus and telling me that I was not targeted ; however, I was targeted for this offer and I signed up using the link from BOFA profile. 

I have {$20000.00} sitting in the account from last 5 months now.

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 2022-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor have violated my rights. Under 15 USC 1681 section 602 states that I have a right to privacy 15 USC section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Account Managers, Inc.
State: ND

Complaint narrative:
THIS IS ANOTHER ATTEMPT AT GETTING THIS ISSUE RESOLVED. XXXX XXXX & GRIMM COLLECTION ARE ILLEGALLY REPORTING DUPLICATE INFORMATION ON MY CREDIT. XXXX XXXX CLAIMS TO HAVE SOLD THE BALANCE TO GRIMM COLLECTION YET, XXXX XXXX IS STILL REPORTING A BALANCE. GRIMM COLLECTION IS ALSO REPORTING THE SAME EXACT BALANCE + INTEREST. THIS IS AN ILLEGAL DUPLICATE REPORTING AND HAS CAUSED ME FINANCIAL BURDEN AND FINANCIAL OPPORTUNITY ALL YEAR. I CAN'T MAKE UP THE TIME LOST FOR THIS MISTAKE NOR THE TIME IT HAS TAKEN ME TO TRY AND GET THIS RESOLVED. XXXX, XXXX, XXXX ... YOU ARE REPORTING A DUPLICATE BALANCE WHICH IS ILLEGAL. PLEASE DELETE BOTH ACCOUNTS MENTIONED ABOVE AND/OR RECTIFY THE BALANCE.

Company response to consumer: Closed with explanation