vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 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: MI

Complaint narrative:
In accordance with 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, Last 4 of acc # XXXX Account name : XXXX XXXX XXXX XXXX, Last 4 of acc # XXXX Account name : XXXX XXXX XXXX, Last 4 of acc # XXXX Account name : XXXXXXXX XXXX, Last 4 of acc # XXXX 15 U.S.C 1681 602 A. States i have a right to privacy.

15 U.S.C 1681 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 non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my dissatisfaction with your lack of response to a serious matter. On XX/XX/2023, I mailed a dispute letter to your agency via certified mail, detailing discrepancies in my personal information held on record by Experian. The United States Postal Service tracking indicates that you received my letter on XX/XX/2023. As of the date of this letter, I have not received any correspondence, acknowledgment, or update regarding the information I disputed.

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 2023-08-08 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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:
Dear Experian, I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 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 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 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 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 2023-08-08 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 2023-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have filed multiple complaints against Transunion and XXXX for failing to abide by the fair credit reporting act. I jave uploaded proof to show they have lied. Now they have locked me out of my accounts. Transunion has locked me out of my account, so I can no longer monitor my credit report or score. XXXX has locked me out of my account so I can no longer monitor my credit report or score. They have done this out of retaliation. I call them and the system won't connect me with anyone and hangs up.

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 2023-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im upset because my credit report will not update on credit monitoring services specifically ( XXXX ) and also XXXX  hasnt updated since XXXX, XXXX. Ive tried fixing this issues previously with no results. My report is having error updating on XXXX XXXX AND EXPERIAN.

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 2023-08-08 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: CA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023, I called Bank of America at XXXX to " enroll '' my card in " Travel Credit. '' As I explained to numerous reps during this call, once you reach an annual spending threshold of {$50000.00} on the card, you must call to enroll the account in Travel Credit pursuant to page 13 of their benefit & rewards guide. See attached PDF. This does not involve redeeming points ; it is met solely by hitting the annual spending threshold. 

The most recent calendar year, I spent over {$85000.00} on this card ( with a lifetime total of several XXXX XXXX dollars on it ). 

In roughly 1 hour and 15 minutes, I was repeatedly transferred from one department to another ( including promotions, rewards & benefits, and others ) and eventually ended up being transferred to departments to which I had already been transferred. As I approached an hour on the line with circular transfers, I asked for a supervisor who stayed on the line ( warm transfer ) with me but was similarly unsuccessful in reaching the correct department. She stayed on with me for multiple transfers, but we ended up with promotions with whom I had already spoken with no end in sight. 

As I was repeatedly told the call was being monitored and recorded, I too, recorded it and have an unredacted recording of the call. It would be nice if someone in BoA corporate took the time to listen to the entire 1-1/4 hour long conversation for what should have been a five-minute call.

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 2023-08-08 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: WI

Complaint narrative:
Unable to log in to my.equifax.com to view credit report or dispute erroneous report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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 2023-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: AMERIS BANCORP
State: GA

Complaint narrative:
On XX/XX/2023 I submitted a {$500.00} transaction through Ameris Bank for attorney services. However, I requested the {$500.00} refund due to services not rendered and no attorney client contract was signed. I also requested that he let the courts know that he is not my attorney. He sent me an email stating he never submitted any paperwork to the courts for my representation. After submitting evidence of the emails regarding the refund to the Ameris bank via XXXX XXXX. The XXXX letter on XX/XX/2023 stated they would reverse the {$500.00} provisional credit out of my account on XX/XX/2023. 

The attorney stated the money never went into his account on XX/XX/2023. I wrote a letter with facts and evidence attached on XX/XX/2023 in regards to the error letter Ameris Bank wrote me on XX/XX/2023 to reverse the provisional credit out of my account. Letting them know I am due the {$500.00} refund because the attorney never represented me and attorney services was never rendered. 

On XX/XX/2023 I submitted all facts and evidence to XXXX XXXX via email Ameris Bank Representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: TX

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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-08-08 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I was sent a text by Citi that my credit card was used for a purchase at a XXXX in XXXX XXXX, NC. I live and was in XXXX, PA when the text came. I immediately called Citi and reported the purchase as fraudulent. For some reason, the charge as on my statement the following day XX/XX/XXXX. Citi canceled that card on XX/XX/XXXX and sent me a replacement via mail a week or so later. Unfortunately, they didn't remove the fraudulent purchase from my monthly bill and I paid the bill that included the fraudulent purchase. It took me a number of months to realize that I paid for a purchase I didn't make. 

I called Citi several times to get this resolved and was referred to their XXXX security XXXX number XXXX. I didn't document the first call date, but I was told it would take 1 to 2 billing cycles to see the credit or NTE 90 days. I was never credited or contacted about the fraudulent charge or credit. 

On XX/XX/XXXX, I called again at the same # - XXXX and talked to a representative named XXXX who gave me the same response - 1 to 2 billing cycles or NTE 90 days. Nothing from Citi. 

On XX/XX/XXXX, I called again, same #, and talked to a representative named XXXX. Same story except he assured me he would handle this personally and I'd see the credit XXXX to XXXX billing cycles or NTE 90 days. 

So I've contacted Citi at a minimum of three times w/o getting a credit or a reason why I didn't get the credit. I believe I did everything correct by immediately notifying them of the fraud. They should have a record of issuing a replacement card if nothing else on XX/XX/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
Consumer complaint received 2023-08-08 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:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts/Inquiries that are still reporting on my Credit Reports : 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 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 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX  EST, I send in a check to my Local PNC Bank Branch that was fake. It was scammed by someone via email who was offering me a remote Data Entry Operator job. This scammer mailed me several fake checks that I initially had no awareness of their validity. The first check total to {$6800.00}. Also, due to the scammer tricking me into buying multiple XXXX payments, I lost a total of {$11000.00}, with XX/XX/XXXX adding in the last additional loss in damages. 

It was not until late at night at around XXXX PM on XX/XX/XXXX was I given an email that my account was now in Low Cash Mode. This was naturally due to the scammer tricking me to use up all my money within my checking account. However, despite already informing all parties relating to each specific ATMs I used, as well as contact the Ohio Attorney General and filing a claim towards the FBI about this scammer, the PNC Bank where my account resides, made no attempt about informing me regarding the fake check or made any attempts to raise suspicion relating to the transactions. Especially when it took less than a day to process the fake check and see if the {$6800.00} was transferred into my account, that made me assume I had all available funds thanks to the Scammer, had my bank account contacted me about the forgery, my savings would have likely been prevented early on. Also, the scammer lied about paying for uber if it means being able to get payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
UPDATE TO CLAIM XXXX XXXX -- -- -UPDATE TO CLAIM XXXX XXXX EXPERIAN HAS TAKEN LONGER THAN 60 DAYS TO PERFORM ACCORDINGLY TO I THE CONSUMER AND TO THE CFPB. EXPERIAN WAS PLACED ON NOTICE THAT UNDER 15 USC 1681i AND CFPG  REGULATION THEY SHALL REMOVE ALL REQUESTED ACCOUNTS FROM MY CONSUMER REPORT FOR FAILURE TO PERFORM IN A TIMELY MANNER. AS OF TODAY EXPERIAN CONTINUES TO FURNISH ACCOUNTS ON MY CONSUMER REPORT THAT WERE REQUESTED TO BE REMOVED AND THAT MUST BE REMOVED UNDER CFPB REGULATIONS AGAINST 15 USC 1681a ( 2 ) ( i ) EXCLUSION. EXPERIANS FAILURE TO PERFORM ACCORDNGLY HAS CAUSED ME TREMENDOUSE MENTAL ANGUISH AND HAS HURT MY REPUTATION CAUSING ME TO MISS CREDIT OPPORTUNITIES LOSING MY FEDERAL RIGHT TO CREDIT ( A DIRECT VIOLATION UNDER 18 USC 242 ) AND CONFIDENCE IN THE BANKNG SYSTEM.

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