vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-03 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: TN

Complaint narrative:
I did not consent to or benefit from the following information : Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account USDOE/XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03 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 XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX Account # 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

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 2022-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2022 I opened a Citi Accelerate Savings account online with the rate of 1.0 % interest rate and 1.01 % APY. I have deposit {$130000.00} in this account. The XX/XX/2022 statement only paid 0.6 % ( {$56.00} ). The XX/XX/2022 statement only paid 0.89 % ( {$99.00} ). I called Citibank to inquire about this error. The XXXX said they can change the rate at any time and that is why it only paid 0.6 % and 0.89 %. I told them I have checked my account XXXX times a week since opening the account and it stated 1.0 % every time. They told me too bad but that is how it works. This is a clear case of bait and switch. They have been advertising this interest rate for WA and other state residents for months. Citibank has also not allowed me to link my account to other external bank accounts so that I can withdraw money. They message says access blocked every time I try to link an external bank account through Citibank.

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 2022-07-03 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 : It also states a consumer reporting agency can not furnish an account without without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 XXXX These inquiries were reported on my credit on these dates. I have no knowledge of these. I have filed complaints with both Transunion and XXXX, nothing has come of it yet. I have also filed complaints with IndentityTheft.gov. I would like these to be removed as there were not me. 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 non-monetary relief
Consumer complaint received 2022-07-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was able to open a claim on XX/XX/2022 for amount of {$20000.00} with Bank of America prepaid claims, I was asked to filed a police report also to write a letter 3weeks after it was filled, which I find hard to understand why I wasn't told to do so beginning wen claim was taken. 
Unfortunately claim was denied I was told I will get. Letter in the mail explaining reason why. Than I can write back explaining the reason I don't agree. 
Is taken long time to solve this problem am a victim of identity froud my information was obtain n use without my consent, they were able to obtain a debit card aand withdraw money from bank of America Unfortunately neither bank or XXXX department ha d a 2step verification at all in the beginning because I didn't receive nothing which I had to verify that I was one requesting change of address until late later I was asked to verify .but It was late few payments were collected. XXXX kept sending payments without verification of any kind.

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 2022-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Someone made a transfer using the XXXX application and made several transfers, I got approximately XXXX XXXX dollars

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 2022-07-03 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : It also states a consumer reporting agency can not furnish an account without 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 2022-07-03 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I received an alert from XXXX on XXXX that I had a new credit inquiry from Comenity Bank. This inquiry was generated without my permission, I did not apply for any new credit with Comenity. The alert referenced my XXXX XXXX XXXX account. This account has been closed since XX/XX/XXXX. It did report a balance until I paid it off in XX/XX/XXXX. Again, I did not authorize this inquiry and there was no reason for them to pull my credit report. 

I attempted to contact them immediately, their customer service line was down due to a " customer service outage ''. I later found out that their customer service had been down for the better part of a week. I suspect this was a data breach but they didn't say that. When I was finally able to contact them on XXXX they could provide no information as to why my credit was pulled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03 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: TN

Complaint narrative:
I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. This issue is giving me an extremely hard time trying to get a house. The items are listed in the report. I am a victim of identity theft and did not make the charges. I ask 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 please and thank you! 

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 explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: OH

Complaint narrative:
received a new debit card for Discover bank - had my name and address but I didn't open it, called discover they stated some of my personal information matched but not all of it, 1 that did was my social security number. they said they would close account and report but want to make sure nothing else is out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last XXXX, Chase bank changed my checking account without my knowledge. The new account charged fees ( $ XXXX ). This went on for a number of months-when they were confronted about it they admitted it ; but would only give me a partial payment of the fees they collected. Again, they never told me about what they were up to. Some people at the branch did not return phone calls. XXXX called me and said they sent out a letter ( I never got it ). I rarely use this account, so I did not discover it right away. I would like the money refunded about {$60.00} dollars.

Chase 's attitude when I threatened a complaint was that they could care less. They make their money through deceit. I think you should let the XXXX ( Chase XXXX ) let them know how they do business. Most of this happened in XXXX of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: TX

Complaint narrative:
When I checked my credit I noticed that there were hard inquiries on my credit that i did not authorize and that i would like deleted from my credit report immediately. 
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 2022-07-03 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: AZ

Complaint narrative:
XXXX  XXXX reported to me that XXXX XXXX Bank denied a loan that I did not apply for with XXXX XXXX Bank which I have never heard of. XXXX XXXX Bank is basing the denial on my Transunion Credit report which states the following : Number of balance increases for non-mortgage accounts over the last quarter I am paying down my credit cards and am current on all payments with 100 % payment history Percent of accounts switching from active to inactive status in the past 12 months I have no accounts that switched from active in inactive status Number of high credit increases for revolving accounts over the last quarter I have had no nor requested any credit increases at all Total amount overpaid on installment loans over the last year I have no existing installment loans

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 2022-07-03 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: FL

Complaint narrative:
XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 EQUIFAX These inquiries were reported on my credit on these dates. I have no knowledge of these. I have filed complaints with both XXXX and Equifax, nothing has come of it yet. I have also filed complaints with IndentityTheft.gov. I would like these to be removed as there were not me. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: TN

Complaint narrative:
I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The issue as I see it with all reporting agencies is as follows. 
Once discharged in a bankruptcy XXXX XXXX why are banks and institutions still allowed to keep old late payments and derogatory credit information on my report for XXXX years. Ive already faced the ultimate price and embarrassment of not being able to fulfill my financial obligations and losing everything. As Im sure so many others have faced. 
The complaint is if we have on our reports a Public Record of bankruptcy for all to see for XXXX which also gives us a chance to start again, by clearing a path to make that start. Also legally having no further obligation to the institutions. Why do reporting agencies or the Govt agencies allow the reporting agencies in conjunction with the institutions still show what has been discharged. 
New credit establishments can see the bankruptcy big and bold so they will either work or not with us which is at there discretion and fully understandable. 
So why allow the so-called discharged past of late payment or settled reporting be there after bankruptcy hurting us while Re-establishing doesnt the bankruptcy say it all? 
I realize this is a long statement but need a to be addressed for all not just myself. 

Thank you for your help and time in advance.

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 2022-07-03 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: TN

Complaint narrative:
I did not consent to or benefit from the following information : Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03 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 Report act, these accounts listed has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of Education Account XXXX XXXX Department of Education Account XXXX XXXX Department of Education Account XXXX XXXX Florida Department of Revenue Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. 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 2022-07-03 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: MS

Complaint narrative:
In accordance with the " Fair Credit Reporting Act '', the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and have violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 states that I have a right to privacy.

15 USC 1681b ( a ) 694 ( a ) ( 2 ) states that a reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( c ) ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information other than records of convictions of crimes not debt which anti-dates any reports by more than 7 years.

15 USC 1681s ( 2 ) ( a ) ( 1 ) states that a person may not furnish any information relating to a consumer to a consumer reporting agency if the person knows or had reason to believe that the information is inaccurate. ( Attached credit items have been reported incorrectly. Please delete these accounts properly. 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 non-monetary relief