vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Excerpts from the letter that I sent to the corporation 's CEO on XX/XX/XXXX : Ive had a Regions credit card for several years. In XXXX I received an email ( see attached ) that simply states my rewards balance and that the rewards are good for at least 48 months. This is the first correspondence I have received from Regions in at least two years, maybe since my card application. 

Several weeks ago my wife and I opened a Regions checking account, I tried to fund it with my card. It was declined, I didn't think much about it because I haven't used the card in a very long time. Last Friday, XX/XX/XXXX, we visited our local Regions bank in XXXX XXXX XXXX, Florida to finish actions on our checking account that I wasn't able to do online. While with the representative, XXXX, I asked about my credit card and my point balance. He told me that he would check on it and get back to me. After not hearing anything by Thursday, XX/XX/XXXX, I called XXXX. He had to check with the Credit Card Department and call me back, which he did. He informed me that my card had been cancelled in XXXX and that my rewards were no longer valid. 

I never received any notification of intent to close my credit card account. I was never given an opportunity to redeem my rewards before the account was closed. This action seems deviously intended to take my credit card rewards points without alerting me. 

The corporation never responded to my letter. I then reached out to my Congressman who advised coming to the CFPB. In a nutshell, they clearly advised me at the beginning of this year of my rewards balance and its sanctity for several more years, than subsequently took it away without any notice or explanation.

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 2024-03-28 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
XXXX, XXXX, & Equifax are reporting incorrect inquiries on my consumer report. 

XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax DEPT OF ED  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax DEPT OF ED XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX DEPT OF ED XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
XXXX, Experian, & XXXX are reporting incorrect inquiries on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant 18 U.S.C. 8 I dont own any debt this company is violating my consumer rights to privacy. 

Account name XXXX. XXXX, XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuant 18 U.S.C. 8 I dont own any debt this company is violating my consumer rights to privacy. 

Account name XXXX. XXXX, XXXX Account number 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 2024-03-28 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Pursuant 18 U.S.C. 8 I dont own any debt this company is violating my consumer rights to privacy. 

Account name XXXX. XXXX  XXXX Account number 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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have no connection to these creditors and did not instigate these inquiries. I urge you to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have no connection to these creditors and did not instigate these inquiries. I urge you to promptly remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Hello! I received this gift card from XXXX in the amount of {$300.00} for XXXX in XXXX. My mother in law purchased the prepaid gift card at XXXX, and loaded {$300.00} onto it. However, the funds were stolen from the card on XX/XX/XXXX in a series of transactions at XXXX XXXX in Oklahoma. I went to use the gift card and there was a total of {$4.00} on left out of the original {$300.00}. At the time that the funds were used /stolen- the card was safely stored in the house and had never left the original packaging. I attempted to call XXXX XXXX XXXX and they requested personal information which I refused to give them. Upon doing a quick XXXX search their name comes up multiple times in a fraud situation and funds are frequently stolen from these cards.

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 2024-03-28 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft and I demand that these accounts are removed as they do not pertain to me.

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 2024-03-27 00:00:00
Product: Credit reporting 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 am a victim of identity theft and I demand that these accounts are removed as they do not pertain to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please see attached doasfcuments. Do not close this complaint stating it is not me. I am a natural person and a casfonsumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: V and H Portfolio
State: CA

Complaint narrative:
I am a victim of identity theft. On XX/XX/2018, a transaction occurred with XXXX XXXX XXXX XXXX XXXX where someone took out a loan in the amount of {$500.00}. The bank shows XXXX XXXX  which I do not recognizing owning that bank account at that time. Also, the address shows XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  and I did not live at that location. I lived 2 hours away in XXXXXXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX. The person applying for this loan obviously did not and would not have known this. Another red flag here is that the loan was electronically signed at XXXX PST with an IP address of XXXX. 
This is obviously fraud and I had no knowledge of this account. It's been 6 years and I have never received any notification of this debt, but 6 years later, it miraculously shows up on my credit report and placed on my credit record. I need this removed and corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX " XXXX XXXX account was opened under a different social security. '' XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX and XXXX, I was a victim of identity theft. Someone got a hold of my personal information and started making transactions through the XXXX app. They also used my debit card to make purchases at XXXX. The amount transferred through XXXX was {$4500.00} and the transactions at XXXX totaled to {$1400.00}. On XX/XX/XXXX I noticed my account being debited to negative amounts, I called to file a claim of fraud activity on my account. On XX/XX/XXXX after speaking with a few employees from Citizens Bank explaining my situation I was finally allowed to file a fraud claim to retrieve the money that was taken from me, both from XXXX transfers and the XXXX purchases. Citizens Bank denied those claims. On XX/XX/XXXX I filed my first complaint with CFPB concerning the fraud on my account with Citizens Bank. Today, XX/XX/XXXX I received an explanation concerning my complaint and their investigation into my fraud claims. The company addressed the terms and conditions regarding fraud cases. I understood their stance and their investigations shows that I was involved in the transactions. What they are not addressing is the fact that there was software and communications used to pose as me while the transactions were being made. These technologies concerning identity theft are beyond my knowledge to persuade that it was not me, but I did not authorize the transactions. It's a case where I'm simply requesting that Citizens Bank retrieve the funds from whatever account that they were sent to without my authorization as it states in the terms and conditions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX ( Original Creditor : XXXX XXXX  ) Payment Status : Collection/Chargeoff/last reported : XX/XX/XXXX Date Opened : XXXX Account Status : Derogatory Amount : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX  XXXX ) Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Charged off account Auto

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I received an email from the bank on XX/XX/XXXX that there was a temporary restriction on my account, instructing me to call them. I called and was informed that my new account was being closed because I had transferred money to my account via ACH transfer from a third-party account. I explained that I had called before making this deposit and was told this was okay, I didn't know I was violating a policy ; however, if they were closing my account, I needed to know when/how I would receive my deposits back. The representative hung up with no answer. I called back and the next representative tried to help me but did not have any information as to when I would receive the money back. Today ( XX/XX/XXXX ) I called and spoke with another representative who said the account is still under review for closure and they could not tell me when the account would be closed, nor would they provide me with any information regarding the return of my initial deposit of {$50.00} or the ACH deposit of {$2100.00}. I asked to speak to a supervisor and I was told that this person is my last contact and he hung up on me. I need to have the account closed and the money returned to me promptly. I have not attempted to withdraw any funds from this account since its opening ; however, at this time I do want the funds returned to me immediately. Any assistance you could provide would be greatly appreciated. These funds are the only money I have to pay my bills and buy food or prescriptions. Please advise as to how I should proceed. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation