vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : 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 an 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 2022-05-12 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: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
XX/XX/XXXX I opened an account on American Express ' website with American express gold XXXX  skymiles card. It offered XXXX welcome points once I spent {$2000.00} in qualifying purchases within the first 3 months. I spent {$3300.00} on XXXX flights that day. on XX/XX/XXXX I have chat history on the app confirming that Welcome bonus was correct. My first statement was XX/XX/XXXX, that was when I was told I should see the welcome points. I noticed I only received XXXX miles when it should have been XXXX, XXXX. I reached out to the company and spoke to 7 different customer service reps who all told me that my welcome offer was denied with little reason why. I was told I had to fill out a complaint and I did. I also provided them with the snap shot of the message history where on XX/XX/XXXX I confirmed the bonus program and I was eligible per the Customer rep on the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-05-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 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 2022-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unable to view credit report and credit score from Equifax. Unable to receive EQufax credit report either online or by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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 an 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 2022-05-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: CURO Intermediate Holdings
State: AZ

Complaint narrative:
I received a title loan on my car back in XX/XX/2016 for {$100.00} my car got impounded by police after someone else was driving it when I went to get it out the tow yard said I couldn't get it because there was a lien on title from title loan place and they were getting it cause I hadn't paid my loan so I didn't get my car from impound title loan place did and now they are still trying to charge me for it after they took my car to you don't get money and the car I told them they got the car they said no they didn't. B why would I just leave my car and not get it back if I could it makes no sence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: AE

Complaint narrative:
Denied my rights under SCRA by XXXX of XXXX, KY. In addition to MULTIPLE violations which I called their attention to in XXXX and XXXX, the most recent one has been their inaccurate reporting to credit agencies and not informing me of any amount they believed I owed. I am a XXXX XXXX serving XXXX  for XXXX  months. I paid {$500.00} to have the auto returned to the company after getting stationed here due to the car not being able to pass inspection for XXXX driving. They never attempted to contact me or let me know any status or anything after they received the car. When I went to apply for an auto loan here on base in XXXX in XX/XX/XXXX, I discovered they had put a " Repossession Balance due '' on my Experian Credit Report for over {$6000.00}. This is entirely erroneous. I called them multiple times in order to at least start a payment for this erroneous balance due and they have never contacted me or returned my call. On other calls, they have put me on hold multiple times and then give a recording saying they are closed.

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 2022-05-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act : Account Name : US DEPT ED Account Number : 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 an 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 2022-05-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act : Account Name : US DEPT ED Account Number : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022 - Applied via https : XXXX XXXX $ XXXX, and get {$500.00} bonus The page did not mention anything related to a promo code I was subsequently approved, However when I ask and confirm with the rep on the phone if I am enrolled, I was subsequently told they do not see such offer on my account. 

What is the discrepancy, if you need a special code, the web page should make it clear.

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 2022-05-12 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 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 2022-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Due to account restrictions, lost over {$60000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: NJ

Complaint narrative:
Experian is breaking federal law by reporting things on 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 2022-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I sent certified letters to XXXX, XXXX, and Transunion about incorrect items on my report. I have sent items to the 3 bureau listed above over 3 weeks ago and i have not gotten a response from either of them. As stated in 15 USC Code 1681 the agency must respond in writing within 5 days of my letter, if not they are in Violation of the law.

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 2022-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BHFC Financial Services INC
State: CO

Complaint narrative:
I was incarcerated when the accounts that are showing on my credit report were open I was in the XXXX and I have sent this documentation to all the creditors and still nothing has been removed, I cant open any type of accounts while incarcerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-05-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. Please delete this account from my credit report immediately as my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act : Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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 an 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 2022-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was a victim of a scam that happened on XX/XX/2021. I got two checks from a person, however he/she said they accidently issued the wrong amount and ask that I transfer the extra money through XXXX. After I did that, it turned out that those two were bad checks and all of my money were gone ( about {$3800.00} ). My account went into negative balance, the bank charged me too for having negative balance and returned checked fees. I went to my local bank to file a XXXX claim and a check claim. After some investigation, they told me the person that scammed me was a member of an XXXX XXXX ( bank of america ) in georgia, but they can not give me any further information due to privacy reasons. At the same time, I also filed a police report but they can not find the person as well. I tried to contact both sides multiple times to see if the bank can share those information directly to the police. However, the bank said they closed my case and I am still not able to get any money back. XXXX department also is not able to give me some money back. My case reported to the police was also placed as suspension due to lack of further information. I called the bank and the police nearly every month since this happened but no one can help me. I tried researching online to see if there are any way for me to get my money. I found a news saying some people that were scammed were able to get their money back. I am wondering if you can help me solve this issue. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I had previously opened a complaint against PNC Bank regarding incorrect reporting. They said they would look into the matter, but I haven't heard anything back from them in a year. I have repeatedly called and emailed with no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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 an 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 2022-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX IS REPORTING INACCURATELY ON MY CREDIT REPORT AND NOT REPORTING 100 % ACCURATE I GOT A UPDATED CREDIT REPORT AND SENT A CERTIFIED LETTER TO THE CREDIT BUREAUS TO INVESTIGATE AND VERIFY THE ACCURACY OF THE ACCOUNT I RECEIVED A LETTER FROM THE CREDIT BUREAUS STATING THAT THE CREDITOR VALIDATED THE ACCOUNT TO BE 100 % ACCURATE AND AS I HAVE DOCUMENTS SHOWING THAT THIS ACCOUNT IS NOT REPORTING 100 % ACCURATE AND FAIR ON MY CREDIT REPORT I ALSO INCLOSED A DEBT VALIDATION LETTER FROM THE CREDITOR THAT CLAIMS I OWE THIS DEBT AND THE AMOUNTS ARE INCORRECT THAT THE CREDIT BUREAUS ARE REPORTING THIS IS IN VIOLATION OF MY RIGHTS REPORTING FALSE AND INCORRECT INFORMATION ON MY CREDIT REPORTS WITHOUT MY WRITTEN CONSENT

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 2022-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n 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. 

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 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 t
o a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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:
Equifax shows a charged off account that is not mine. I have already disputed it and they have responded by saying it is verified. It is a XXXX XXXX account. Equifax only shows four of the account numbers ( which aren't mine ) and no name or social security number. 
My personal XXXX XXXX account is eight years old and is open and in good standing so I don't understand this report. If Equifax can't verify who the owner is how can they list it as mine?

Company response to consumer: Closed with explanation