vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have repeatedly sent letters to this consumer reporting agency to correct my personal information, My legal name is XXXX XXXX XXXX. I am not a criminal Therefore, I do not have any aliases. 
And as far as my address is concern, I only have one. And it is as follows, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX. This is false statement presented as fact. And it is causing significant damage to my reputation. i need this information corrected 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 2022-08-17 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: FL

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX Account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It is 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 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
On XX/XX/2022, I was informed via email my checking account was being closed & I'd recieve my funds within 30-60 days. Here it is, past 60 days & I have not received my funds. I have only XXXX dollars in my account. I was told a deposit that was sent over would not be accepted due to the account being closed but was later accepted. Funds still can't be used. I was told my account had fraudulent activity but was never informed or recieved any calls about anything. THEY TOOK MY MONEY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/16 Balance : 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 2022-08-17 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: OH

Complaint narrative:
I noticed on my credit report there some accounts that I did not authorize or belong to me. 
Here are accounts on my credit report that do not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX. # XXXX I have never received a single notice from any of the above-mentioned companies.I request validation and detailed verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: OH

Complaint narrative:
I noticed on my credit report there some accounts that I did not authorize or belong to me. 
Here are accounts on my credit report that do not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX. # XXXX I have never received a single notice from any of the above-mentioned companies.I request validation and detailed verification.

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 2022-08-17 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: NV

Complaint narrative:
I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHT UNDER 15 USC 1681.

EQUIFAX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHT NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS KISTED BELOW BE REMOVE BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRIITEN PERMISSION TO FURNISH THESE ACCOUNTS. 

ACCOUNTS : XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: NJ

Complaint narrative:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items needed to be removed from my credit report : Collection XXXX OF XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXXXXXX Late Payment 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 explanation
Consumer complaint received 2022-08-17 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: NJ

Complaint narrative:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items needed to be removed from my credit report : Collection XXXX OF XXXX # XXXX CXXXX 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 2022-08-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have purchase a US {$15000.00} CD with US bank which matured on XX/XX/2001 and its automatically renew at maturity. I totally forget about this CD until recently I found the contract. 

I presented the contract I have on hand to US bank XXXX XXXX XXXX in XXXX where I set up the CD. US bank claimed they can not find record that long ago. 

They referred me to escheament department and that department said they wont be able to find records beyond 7 years. By law if US bank deem its an abandoned property, it should be sent to unclaimed property XXXX. I have search all the unclaimed property in XXXX and XXXX where we have live during this period of time, all turn out negative. 

This CD is automatically renew at maturity, US bank should still be holding it. 
if the CD has been claimed, I would have to surrender the original contract, i would not be holding the original contract on hand.

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 2022-08-17 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/19 Balance : {$22000.00}

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 2022-08-17 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  ******* XXXX Date Opened : XX/XX/19 Balance : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
In late XX/XX/2022, my friend referred me for American Express XXXX XXXX XXXX credit card and I was offered with a welcome bonus of XXXX XXXX ( my friend witnessed it ) if I can spend {$3000.00} in 3 months. However I still have not received the welcome bonus after I have spent more than {$3000.00} in 3 months. My friend has already received the referral bonus. 

I chatted with American Express Customer Services via the chat portal couple of times and they gave me conflicting responses ( can share screenshot if needed ). 
" Thank you for sharing this with me, let me quickly check it for you. The offer was - Card Members who apply through this offer and are approved for the XXXX XXXX XXXX American Express XXXX can earn XXXX Bonus miles after spending {$3000.00} or more in eligible purchases are made on the Card within the first 3 months of Card Membership. '' and then they told me my welcome offer was declined. They opened a case to investigate this and told me to wait for 6-8 weeks. 
After 6 weeks of waiting, I checked in with them and they told me 'After the review. Our specialist has advised that the Welcome offer was removed from your account and there is also a note here that the welcome bonus is declined. 
I do know that you have been offered the welcome offer once you have opened the account. ' They stated that I was offered with a welcome bonus then declined the offer without notifying me. I never receive any email or other notification tool that the welcome bonus was declined. When I applied for the card, my friend was with me and she also saw that the I was offered with the welcome bonus. I am questioning these conflicting statements American Express made and want American Express to give some proof and have a third party firm for audit. If American Express can not answer these conflicting statements, American Express will need to add these XXXX XXXX  to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

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 2022-08-17 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

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 2022-08-17 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX ******** XXXX Date Opened : XX/XX/16 Balance : 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 2022-08-17 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: TX

Complaint narrative:
I am a natural person, I am a human being and I have rights under 15 USC 1681. It is my knowledge that Equifax is govern by 15 usc 1681.and they have violated my rights number times and I have filed numerous reports. I demand the following accounts below be removed from my report because Account-XXXX Consumer Account - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX According to 15 USC 1681 : I have the right to privacy and i did not give Equifax permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: NY

Complaint narrative:
In accordance with the Credit Reporting act XXXX, Accounts Assoiated with Transunion, 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 Its also a consumer reporting agency can not furnish a account with out 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