vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-24 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: U.S. BANCORP
State: MO

Complaint narrative:
In XXXX of XXXX, my brother was moving to the XXXX XXXX for work and opened a checking account at US Bank located at XXXX XXXX XXXXXXXX XXXX XXXX  MO. XXXX. He asked me & his bookkeeper to sign a " signature card '' so if he had any straggler bills we could write a check and take care of it. We all went together & signed a signature card. He returned from the XXXX XXXX in late XXXX and opened a " line of credit '' in XX/XX/XXXX, account # XXXX. He defaulted on the " line of credit '' & it was reported to all the credit bureaus. When US Bank reported this to the credit bureau ( XXXX ), they listed me as a " co-signer ''. That is incorrect. I signed a " signature card '' which does not make me responsible for his " line of credit ''. Once I discovered this appeared on my credit report ( XXXX ), I went to the US Bank branch where the account was held & spoke with the manager. That was in XXXX or XXXX. She & another associate looked up the account & said they would get back to me in about a week. When I returned she said that she had spoken with corporate and that the best way for me to take care of this mistake was to file a dispute with all the credit bureaus. I've filed 3 disputes only to have US Bank state I was responsible. I have spoken with US Bank several times & they are limited in what they can say to me because they can't locate me in their system. Someone finally looked me up by my name & address & said that I was not connected to any accounts & their system shows that I do not owe them. They are not very helpful because I'm not attached to the " line of credit '' so they can not speak with me because I'm not on the account. It's extremely frustrating because they report this to the credit bureau ( XXXX ) but can not discuss the issue with me. If US Bank is going to hold me responsible for this line of credit, I would like a copy of the contract that I signed showing that I am responsible. My credit report shows the balance owed is {$5200.00}. Please help me. 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 monetary relief
Consumer complaint received 2022-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received an offer from Citi about 6 months ago to open a checking account and deposit at least {$50000.00} to receive a {$700.00} opening bonus. I opened this account within promotion period, deposited funds within 20 days and maintained my balance for at least 60 days. Citi said " If you are eligible and fulfill the required activities, the Cash Bonus will be paid within 90 days after you successfully complete all required activities. " The last day to credit my bonus was XXXX XXXX, 2022, however, the bonus did not show up in my account. I reached out to them via chat and the first agent said she saw that I was supposed to get it and opened a case and it will take up to 5 business days to solve, case # XXXX. After waited for 6 business days I still see no change, so I reached out to Citi via chat again, second agent said wait up to 8 days and said I had to call and he can not do anything about it. The phone agent said I need to wait up to 20 business days to hear back and she can not do anything with it. This is nearly a month after the promised latest day to receive my bonus, Citi was trying to trick you to put your money in then make you wait forever. Those 3 agents did nothing but kicking the ball around. 

Here 's the chat history with the 1st agent : Customer Message I am contacting you because I wanted to find out why I have not received my cach bonus offer amount that I was offered when I opened my checking account. 
Read XXXXXXXX XXXX  Agent Message Yes I am also good thanks for asking. Need not to worry let me check this for you, allow me 2-3 minute. Please stay connected. 
XXXXXXXX XXXX XXXXXXXX Customer Message ok. thanks Read XXXXXXXX XXXX Agent Message XXXX I would like to tell you that you are completed all the criteria for bonus and I apologies for the inconvenience caused to you that you still not receive the bonus let me quickly raise a complain so you will get your bonus XXXX soon XXXX possible. 
XXXX XXXX - XXXX Customer Message Ok. Great. Thanks Read XXXX XXXX Agent Message Before we process this request, can I confirm with Yes or No if your contact information on records is updated? ( such as your account address, phone number and e-mail address XXXX XXXX - XXXX Customer Message Yes. The contact information is correct. 
Read XXXX XXXX Agent Message Thanks for confirming please allow me some time. 
XXXXXXXX XXXX XXXXXXXX Customer Message ok Read XXXX XXXX Agent Message Thanks for waiting XXXX. Your request is being passed for further research regarding your dispute. The investigation may take up to 5 business days. Responses will be sent after case completion. 
XXXX XXXX - XXXX Customer Message Sounds good. Is there any reference number you can provide me? 
Read XXXXXXXX XXXX  Agent Message here is the reference number for you 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 2022-12-24 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: FL

Complaint narrative:
These accounts have been disputed multiple times with all 3 consumer agencies and the issues still continue to affect my life every month for the past few years and this is a violation in more ways than one! 

XXXX XXXX XXXX ( CO in XXXX ) and XXXX  ( CO in XXXX ) accounts are continuously reporting on my credit report negatively each month for yearsand it is affecting my credit and re-aging the debt so that it will stay on my report longer. Each month it is also reporting an increase amount monthly ( XXXX accounts ) which also brings down my score monthly. According to FCRA 623 5 ( a ) duty to provide notice of delinquency of account states it should report the month and year, not continuously report for as long as they want. They are in violation and this is UNLAWFUL. 

XXXX XXXX account reporting every month negatively on an amount greater than {$600.00} XXXX XXXX XXXX XXXX account reporting a CO amount greater than {$600.00} XXXX XXXX XXXX XXXX all violations of the laws listed below FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) FCRA 15 USC 1681 ( e ) ( b )

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 2022-12-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 602 A. Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: IL

Complaint narrative:
I recently applied for credit from my bank and they denied it so I was curious as to Why? I find so many fictious accounts open and closed I tried to dispute it with Transunion and there page seems to of a sudden unable to Identify me when they just provided the report to me. I noticed as reviewing the report seems that there are NO ORGINAL CREDITORS trying to obtain anything seems like Third Party all thru the report. I believe Transunion may need to review the Fair Debt Collection Practice Act with all the Violations. They are causing XXXX of My Character and intending to cause me harm to my wellbeing.

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 2022-12-24 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: TX

Complaint narrative:
I don't recall applying for credit or employment with the companies listed. 

From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the 1998 FTC opinion letter XXXX at http : //www.ftc.govXXXX XXXX " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which the report is procured. '' 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

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 2022-12-24 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: TransferWise Ltd
State: IN

Complaint narrative:
On XX/XX/2022, I used my Wise Debit/Credit card to purchase gas. The gas station, XXXX XXXX, put a temporary {$100.00} hold on my card at XXXX. After I pumped my gas {$21.00} was charged to my Wise card and at XXXX the {$100.00} hold was released by XXXX XXXX XXXX On XX/XX/2022 I spoke with a representative at Wise, XXXX, and I have emailed Wise a letter from XXXX XXXX to verify they released the funds and a copy of my receipt for the charge of {$21.00}. As of XX/XX/2022, Wise still has not released my {$100.00} funds. I desperately need that money to purchase food and pay bills. Wise is holding my money illegally!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX  have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24 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: OK

Complaint narrative:
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2022-12-24 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: OH

Complaint narrative:
I checked my credit report and it was a bankruptcy on it and i sent a letter and called Transunion, XXXX and XXXX and they all said it was verified through the courts. So i contacted the Bankruptcy Court and the reply was they don't give information to 3rd party groups. So i sent letter to XXXX XXXX and all 3 credit bureaus as you can see in the attached document below XXXX XXXX removed it and courts continue to say verified through courts.

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 2022-12-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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:
These accounts have been disputed multiple times with all 3 consumer agencies and the issues still continue to affect my life every month for the past few years and this is a violation in more ways than one! 

XXXX XXXX XXXX XXXX CO in XXXX ) and XXXX  ( CO in XXXX ) accounts are continuously reporting on my credit report negatively each month for yearsand it is affecting my credit and re-aging the debt so that it will stay on my report longer. Each month it is also reporting an increase amount monthly ( XXXX accounts ) which also brings down my score monthly. According to FCRA 623 5 ( a ) duty to provide notice of delinquency of account states it should report the month and year, not continuously report for as long as they want. They are in violation and this is UNLAWFUL. 

XXXX CO  account reporting every month negatively on an amount greater than {$600.00} XXXX XXXX XXXX XXXX account reporting a CO amount greater than {$600.00} XXXX XXXX XXXX XXXX  all violations of the laws listed below FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) FCRA 15 USC 1681 ( e ) ( b )

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 2022-12-24 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: FL

Complaint narrative:
These accounts have been disputed multiple times with all 3 consumer agencies and the issues still continue to affect my life every month for the past few years and this is a violation in more ways than one! 

XXXX XXXX XXXX XXXX CO in XXXX ) and OPPLOAN/FINEWISE ( CO in XXXX ) accounts are continuously reporting on my credit report negatively each month for yearsand it is affecting my credit and re-aging the debt so that it will stay on my report longer. Each month it is also reporting an increase amount monthly ( XXXX accounts ) which also brings down my score monthly. According to FCRA 623 5 ( a ) duty to provide notice of delinquency of account states it should report the month and year, not continuously report for as long as they want. They are in violation and this is UNLAWFUL. 

XXXX CO account reporting every month negatively on an amount greater than {$600.00} XXXX XXXX XXXX XXXX account reporting a CO amount greater than {$600.00} XXXX XXXX XXXX XXXX all violations of the laws listed below FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) FCRA 15 USC 1681 ( e ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I have sent a letter to all 4credit bureaus and XXXX, stating this debt has been paid in full since 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX : Pursuant to the CFPB XX/XX/XXXX Consent Order, I have attached a letter and proposed settlement of my case for your review. 

I previously wrote to you about the corrupt litigation being advanced in XXXX XXXX, Texas by XXXX XXXX attorneys who ignored bankruptcy laws, drafted fake orders and forged and fabricated documents to steal my property for XXXX XXXX. 

You never responded to my concerns and evidence and I am writing again pursuant to the CFPB Order. 

Please respond to my XX/XX/XXXX offer of letter and apprise me whether XXXX XXXX wants to settle this case. I have provided a XX/XX/XXXX deadline to settle all claims. 

Also, to remain transparent, please provide this attached letter, proposed settlement and attached " Exhibits A-N '' to the XXXX XXXX XXXX of Directors and XXXX XXXX XXXX XXXX. 

Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I checked my credit report and it was a bankruptcy on it and i sent a letter and called XXXX, XXXX and Experian and they all said it was verified through the courts. So i contacted the XXXX XXXXXXXX and the reply was they don't give information to 3rd party groups. So i sent letter to XXXX XXXX and all 3 credit bureaus as you can see in the attached document below XXXX XXXX removed it and courts continue to say verified through courts.

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 2022-12-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I checked my credit report and it was a bankruptcy on it and i sent a letter and called XXXX, Equifax and XXXX and they all said it was verified through the courts. So i contacted the Bankruptcy Court and the reply was they don't give information to 3rd party groups. So i sent letter to XXXX XXXX and all 3 credit bureaus as you can see in the attached document below XXXX XXXX removed it and courts continue to say verified through courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent a letter to all 4credit bureaus and XXXX21, stating this debt has been paid in full since 2021.

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 2022-12-24 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: MS

Complaint narrative:
I have sent a letter to all 4credit bureaus and XXXX, stating this debt has been paid in full since 2021.

Company response to consumer: Closed with explanation