vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 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 XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law. This bureau is reporting incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by putting inaccurate accounts on their site without my authorization.

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 2021-07-20 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: FL

Complaint narrative:
Ive been a victim for identity theft. The following inquiries are a result of fraud. The inquiries as follows 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX. Im never requested credit or did an application for these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
In XXXX of XXXX  I paid my annual fee of {$99.00} for the Alliant XXXX XXXX credit card. In XXXX of XXXX I was notified of significant benefit changes to the card that will be implemented later in XXXX. These changes result in either a significant benefit erosion or a requirement for me to obtain additional products and move money into an Alliant checking account. I contacted Alliant several times regarding this issue requesting a refund of my annual fee due to the changes. Alliant refuses to even respond to my complaints requesting an annual fee refund, simply stating that if they agree to refund me the annual fee that I'll see a refund. 

The changes are detailed here :

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After multiple of disputes no information provided by the company ( XXXX XXXX ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX . 
I have only received a reply from XXXX that they verified information and its accurate and complete!!!??? Accurate and complete??? As per enclosed Screen Shot last time they verified this account XX/XX/XXXX.It means they never did .Equifax sent me Equifax sent me a post card stating that they can't find me in a system with a bogus explanation, which is basically computer generated " go away, do not bother us no more '' message .XX/XX/XXXX did not even bother to reply ever .Please review all attached documents and Certified Mail Receipts. 
Bellow is my brake down of how the account is reported by the furnisher and all 3 Credit Bureaus : Date account opened : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX # of Month of terms : XXXX XXXX XX/XX/XXXX. XXXX EQ XXXX XXXX XXXX Balance : XXXX {$6100.00} XX/XX/XXXX XXXX EQ XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! 
XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQ XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It means XXXX have never conducted investigation and have never responded to XX/XX/XXXX and XX/XX/XXXX .XX/XX/XXXX and XXXX have never initiated investigation either. 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXXXX/XX/XXXX refers to!!!!! How do I even know who this account number belongs to??????? 
To establish the credit file the furnisher must submit the initial contract to all 3 Credit Bureaus, than how this account number belongs to me without my signature????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: FL

Complaint narrative:
Ive been a victim for identity theft. The following inquiries are a result of fraud. The inquiries as follows 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XXXXXX/XX/XXXX 5. XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Im never requested credit or did an application for these companies.

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 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive been a victim for identity theft. The following inquiries are a result of fraud. The inquiries as follows 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. Im never requested credit or did an application for these companies.

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 2021-07-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im requesting to Experian to remove all The negative inaccurate accounts from my credit report and to stop ignoring my disputes or I will sue Experian not only for violations to my credit report but also for discrimination I had been requesting to Experian more than 20 times to remove the next negative inaccurate accounts with proves Experian didnt have send me a single a credit report and they dont want to investigate my disputes sating that they are unable to respond to my request to verify the item This agency is like dictator that violated my consumer credit report and even like that Experian dont want to investigate my disputes Im asking for legal help to sue this ruthless agency As minority I see how Experian wants to decide my own life affecting me from having a better life

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 2021-07-20 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: OH

Complaint narrative:
The is my SECOND dispute letter and the account listed below is reporting inaccurately onmy credit report and it is in violation of The Federal Law. This is in Violation under Section609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-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 explanation
Consumer complaint received 2021-07-20 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
After multiple of disputes no information provided by the company ( XXXX XXXX ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX . 
Date account opened : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX # of Month of terms : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity : 4 different dates, even years!!!!!!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It means XXXX have never conducted investigation and have never responded to XXXX  and XXXX 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXX XXXX refers to!!!!! How do I even know who this account number belongs to??????? 
Immediately delete this account from my credit report according to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NC

Complaint narrative:
As of today, my homeowners insurance company has not received the premium from my mortgage company, Primary Residential Mortgage. This is completely unacceptable since I have ample funds in my escrow account which the mortgage company has not disbursed and my house was in jeopardy of being uninsured. I had to send the insurance company a one month payment to temporarily bind my policy. Again, unacceptable. The mortgage company was made aware of this issue before the end of XXXX when I initially called and spoke to them on XX/XX/2021. They said they would send the payment. They did not. Again, unacceptable. Furthermore, it is well documented I called again on XX/XX/2021 and was told the mortgage company would not pay the premium until I sent the declarations pages and invoice. I emailed it to them immediately even though the insurance company already sent the invoice the end of XXXX to pay my premium by the end of XXXX but the mortgage company failed to do so. Again, unacceptable. I sincerely regret using this mortgage company for my refinance and will be considering terminating my escrow account for their incompetence. Again, unacceptable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: DISCOVER BANK
State: NY

Complaint narrative:
Hello, On my credit report, I have two unknown and unauthorized reports/inquiries on my credit report : XXXX XXXX on XX/XX/2021 and Discover Financial on XX/XX/2021. I did not consent to these inquiries and request that they be removed immediately. These were seen on my XXXX XXXX account and I do not know where they are from and it is concerning to me. 

Please let me know if you need any further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 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: Synovus Bank
State: NC

Complaint narrative:
I disputed charges from XX/XX/2021. The company is saying I am responsible for items that were mailed to another address that I never ordered from XXXX. They ever stated I have 9 other charges on my card from this address, this is not true. The company advised me not to pay off the card until these charges were investigated, noe I see over {$80.00} on late fees they have added to this account. I have NEVER charged 9 times on this account because they shut the card off once a late fee is added and not paid in full. This clearly a fraudulent charge and I do NOT fell I should have to pay for items not shipped to me. I have spoken to this company and they refuse to remove these charges causing yet another drop in my credit score. This was supposed to help my credit, not make it worst. I am through with First Progress. I want these charges removed and a pay off amount so I can rid myself of these people. They are clearly taking as much money as they can from poor hurting people during a pandemic where we are already suffering. It is absurd what they are doing at a time such as this ...!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
on XX/XX/XXXX i traded in a dodge nitro to hyundia of XXXX XXXX XXXX XXXX XXXX ohio XXXX. Two months later XXXX XXXX reported to the credit agencies. that XXXX XXXX was a repo. did not find this out until XXXX which then i contacted XXXX XXXX by phone. talked to XXXX different people which i got no help and there were very rude. so i didnt like my results i contacted gm online. after about 10 messages XXXX apologized found the error and stated that XXXX the virtual assisant would fix it. sent my documents to cxo resolution document XXXX XXXX XXXX also sent an email to XXXX. i have saved the XXXX XXXX conversation. since then i have contacted experian every month. doing a dispute. Experian gives me every excuess why i cant upload my proof. first i used my iphone used screen shots website wouldnt support it. so tried pdf which website states that the preferred method. tried pdf website still kept saying would not except. meanwhile every time i did a dispute it would come back worse then it did before ....

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 2021-07-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Promised XXXX reward points and {$50.00} statement credit after getting card and spending {$2000.00} on first 3 months. After meeting those requirements in XX/XX/XXXX, I have yet to receive either one of the rewards. Also charged an airline ticket thru XXXX in XXXX which was cancelled due to the closing of the airports in XXXX and XXXX, and although XXXX in written statement telling me I would receive credit for the charges, I have yet to see any credit, even though I had asked and tried multiple times to get it.

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 2021-07-20 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: WA

Complaint narrative:
I've sent dispute letter to dispute incorrect and fraudulent information and they're still not deleted from my credit report files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: PA

Complaint narrative:
I have made numerous attempts to get this issue resolved. The credit bureaus have an obligation to report complete, accurate, and validated information. Experian and XXXX have failed to remove an incomplete unvalidated bankruptcy that is reporting on my credit file. It is damaging my credit. When filing bankruptcy it must be an amount you are filing bankruptcy for? The date filed should not be 2 different dates. XXXX is not reporting this bankruptcy but Experian and XXXX continue to report this incomplete invalid negative item. I have submitted several documents with proof in black and white and they have been disregarded. THE BANKRUPTCY NAME DOESNT INCLUDE THE CITY AND STATE WHERE THE PUBLIC RECORD WAS INITIATED. DATE Bankruptcy was FILED/REPORTED FOR PUBLIC RECORD INCONSISTENT. See attach copy of credit report with the reporting status.

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 2021-07-20 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:
I recently got alerts from the credit bureaus about recent hard inquiries on my credit file that I did not authorize. I reached out to the creditors to get information about these inquiries but was unsuccessful. I attempted to call the credit bureaus directly trying to be proactive but I was unable to speak to anyone over the phone.

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 2021-07-20 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I live is XXXX XXXX texas on XX/XX/XXXX I made a transfer through wells fargo transfer that never reached the beneficiary that was XXXX in XXXX I have tried through my bank but without success I have not been able to recover the money back could someone contact me the XXXX / XXXX  is XXXX. My phone number is. XXXX XXXX. If there is a customer service line or someone who can contact me please. I have month 's trying to get a solution and today the bank manager tell me I have to contact the other bank the have the funds sounds like a joke.

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 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I attempted to contact Citizens bank using its website and received an error message. It seems that using this portal is the only way for a customer who does not use telephone to communicate with Citizens Bank. I am enclosing the message that I attempted to send to Citizens Bank using their website, but Citizens Bank website failed to accept my message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: PA

Complaint narrative:
I recently received alerts from the credit bureaus about new hard inquiries that I did not authorize. I contacted the creditors and was unsuccessful in trying to find out any information. I tried contacting each credit bureau and was unsuccessful in reaching a live agent. I am trying to be proactive in catching activity on my credit file before any real damage is done.

Company response to consumer: Closed with explanation