vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Received two text messages stating they were from CITIBANK The first, received XX/XX/XXXX, from phone # ( XXXX ) XXXX, stated that there was unusual activity in the amount of {$130.00}. XXXX from XXXX XXXX and that card was put on hold to block charge. Gave website http : //secured04-citibank.com/secure/citibank/index The second, received XX/XX/XXXX, from phone # ( XXXX ) XXXX, repeated that my card was suspended and that I could not view statements and notices online until I verified my Citibank account at XXXX secured. Failure to verify within 24 hours would lead to permanent suspension on the account.

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 2022-06-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and 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 : 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 2022-06-25 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: UT

Complaint narrative:
I have had three different credit card companies tell me that someone is trying to open a credit card in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: OPORTUN FINANCIAL CORPORATION
State: NV

Complaint narrative:
Oportun reported again to my credit report an account opened in 2016 resulted in an identity theft. I disputed that account several times with the credit bureaus and the credit bureaus removed the fraudulent account from my credit report and Oportun reports this fraudulent account again and again. This company should be investigated for ilegal and oppressive collection practices. 

Account listed in my credit report XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: SC

Complaint narrative:
Im filing a complaint against the company because I noticed a unauthorized charge of {$350.00} made on my account at XXXX on XX/XX/22 I contacted cash app about the unauthorized charge soon as I noticed it back in XXXX. They constantly ignore me and refuse to refund me for the unauthorized charge that was made on my account and Im very upset {$350.00} was stolen from me and the company doesnt even care and refuses to refund me for the unauthorized charge. I would like to sue the company if Im not able to get my refund for the unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX and 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 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a freeze on my credit with Experian. I wanted a temporary lift of that freeze. I used to be able to do this with my pin, but now they seem to require XXXX ) creating an account, XXXX ) calling, or XXXX ) writing a letter. None of those are viable options. 
XXXX ) Creating an account. I was going to do this, but the terms of service allow them to share my information and run a credit report and other items I don't want. They provide an option to opt out by either phone or in writing. I called and after over 20 minutes, could not get through to anyone or find any options for the supposed opt out. I sent a letter requesting " opt out '' and just received a generic informational form letter not mentioning acknowledgement or opt out. Nothing more has been received after almost a month. 
XXXX ) Calling. I was not able to find a way to undo the freeze on their phone service. The service only suggested creating an account or write a letter. ( See other options. ) XXXX ) Writing a letter requires sending social security number, birthdate, and other personal information all together in a letter. This is unsafe and unfair to force me to send my personal information in XXXX letter via mail. 
I need a simple way to temporarily lift my credit freeze without giving away personal information.

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 2022-06-25 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: GA

Complaint narrative:
'The Terms Duration ' is being reported as XXXX months on the XXXX XXXX account ; the correct Terms Duration is XXXX months as stated on the attached letter directly from XXXX XXXX 

According to 15 US Section1681 of the Fair Credit Reporting Act, Consumer reporting agencies must delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

I have uploaded proof of the correct term duration and the inaccurate information being reported by each bureau.

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 2022-06-25 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and 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 non-monetary relief
Consumer complaint received 2022-06-25 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX XXXX with account # XXXX, XXXXXXXX XXXX XXXX with account # XXXX, XXXX Secured credit card with account # XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX account # XXXX, Collection account from XXXXXXXX XXXX XXXXXXXX account # XXXX, Collection account from XXXX XXXX with account # XXXX, Collection account from XXXX  with account # XXXX, XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX Unsecured loan with account # XXXX, Public Record from a XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX XXXX Inquiry from XXXX on XX/XX/XXXX, XXXX from XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, XXXX from XXXX XXXX on XX/XX/XXXX XXXX Inquiry from XXXX on XX/XX/XXXX, Inquiry XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX Inquiry XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX XXXX  XXXX XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX XXXX from XXXX XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX Credit Card with account # XXXX, XXXX Credit Card with account # XXXX, XXXX Secured credit card with account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX Credit Card XXXX account # XXXX, Collection account from XXXXXXXX XXXX with account # XXXX, Collection account from XXXX XXXX with account # XXXX, Collection account from XXXX with account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX, Public Record from a XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX XXXX Inquiry from XXXX on XX/XX/XXXX, XXXX from XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, XXXX from XXXX XXXX on XX/XX/XXXX XXXX Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX  on XX/XX/XXXX Inquiry from XXXX COUNTYS XXXX XXXX on XX/XX/XXXX Inquiry XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX XXXX from XXXX XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: OK

Complaint narrative:
I RECEIVED MY CONSUMER REPORT AND I FOUND INACCURACIES ALL OVER THE REPORT AND I WANT THEM DELETED IMMEDIATELY LISTED BELOW WITH INACCURACIES SHOWN. 

XXXX XXXX BALANCE XXXX XXXX ACCT # XXXX, SHOWING OPEN ACCOUNT, OPEN DATE ( XX/XX/XXXX ) XXXX REPORTED ( XX/XX/XXXX ). ( XXXX ). 


XXXX XXXX XXXX  BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED ACCOUNT ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE ) ( XXXX ). 


XXXX XXXX BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED DATE ( INACCURATE ) XXXX SHOWING OPEN STATUS. OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE WITH XXXX  DATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I RECEIVED MY CONSUMER REPORT AND I FOUND INACCURACIES ALL OVER THE REPORT AND I WANT THEM DELETED IMMEDIATELY LISTED BELOW WITH INACCURACIES SHOWN. 

XXXXXXXX XXXX BALANCE XXXX XXXX ACCT # XXXX, SHOWING OPEN ACCOUNT, OPEN DATE ( XX/XX/XXXX ) XXXX REPORTED ( XX/XX/XXXX ). ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED ACCOUNT ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE ) ( EXPERIAN ). 


XXXX XXXX  BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED DATE ( INACCURATE ) XXXX SHOWING OPEN STATUS. OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE WITH XXXX DATES.

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 2022-06-25 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX and XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I opened a new account with XXXX on XX/XX/2022. I deposited XXXX checks for a total of {$4600.00} and a XXXX deposit of {$2000.00} for a total deposit of {$6600.00}. I got the message there would be a hold on some of the checks. Then, in the mail on XX/XX/XXXX, I received a letter dated XX/XX/XXXX, that they had flagged my account for fraud and closed my account. Enclosed was a check for {$2600.00} stating that was my total balance of funds available. I called Chase on XX/XX/2022 on the phone and after XXXX minutes of being transferred and given the run around was transferred to a voice recording, after being assured I was being transferred to a human. On XX/XX/2022 I went in person and worked with XXXX XXXX for approximately XXXX hours. Here I learned that ALL of the checks have been cashed and cleared by CHASE, so that I am unable to deposit these checks to my Bank XXXX XXXX account. Out of the XXXX checks, they were able to verify XXXX. However, XXXX is refusing to release the funds to me, because I was told they clumped all XXXX checks into XXXX FRAUD case. The checks are XXXX tenant checks, XXXX from XXXX XXXX, XXXX check from XXXX XXXX XXXX and XXXX from XXXX XXXX. At this point, Chase is holding {$4000.00} from me. The checks have cleared, and they have the money. Several of these checks have been verified. Yet, I was told CHASE will hold the entire amount, {$4000.00} for XXXX years or until ALL XXXX checks have been verified. And if Chase is unable to verify all XXXX checks? They will release the money to the state of XXXX in XXXX YEARS to the original check writer. Meanwhile, I can not collect XXXX rent checks, because the Tenant 's check has CLEARED. How is this legal? This is MY MONEY and they have cleared. If Chase suspected fraud, why did they cash the checks at all? They should have been rejected. I received XXXX notice of any issue for a brand new account. I have an XXXX credit score and opened a credit card at the same time as well as a business account. These accounts are operating. But, Chase is holding over XXXX XXXX dollars that I need to pay my mortgage and feed my family. Why is Chase able to cash the checks, so I now can not get re issued payment from the check writers, because the checks have cleared. If they have cleared, why is Chase illegally holding my money? I was told by the Chase employee it would have been better if it WAS fraud because I would fill out a form and be done with it. This is outright illegal and fraud on the part of Chase and I demand my {$4000.00} balance that is rightfully mine. See all attachments of supporting docs and cleared checks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: MT

Complaint narrative:
XXXX XXXX XXXX charged off {$620.00} Through the country door charged off {$1500.00} XXXX XXXXXXXX XXXX paid in full XXXX XXXX XXXX XXXX  charged off paid in full XXXX bank XXXX {$1800.00} charged off XXXX XXXX XXXX, I missed payments due to Covid XXXX I am current now

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 2022-06-25 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
XXXX XXXX XXXX charged off {$620.00} Through the country door charged off {$1500.00} XXXX XXXX XXXX paid in full XXXX XXXX XXXX XXXX charged off paid in full XXXXXXXX XXXX XXXXXXXX {$1800.00} charged off XXXX XXXX XXXX, I missed payments due to Covid XXXX I am current now

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 2022-06-25 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: Experian Information Solutions Inc.
State: SD

Complaint narrative:
My auto loan with XXXX XXXX XXXX XXXX in XXXX SD was opened in XXXX of XXXX. All of my payments are on time and I am paid ahead until XXXX of XXXX. The payments all reported as being on time until a couple of months ago when all of the previous payments on Experian switched to XXXX late payments. XXXX and XXXX still reported on time. I opened a dispute with Experian and XXXX days later they claimed it was resolved. The only thing that changed XXXX now all of the payments including XXXX and XXXX were now late. I contacted the XXXX XXXX and XXXX the branch XXXX confirmed that I had never been late. She wrote a letter stating as much and provided a detailed payment history that has been uploaded to Experian. My report is still messed up. To make matters worse as of yesterday XXXX is also reporting all of those payments as late.

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