vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
on XX/XX/2022 I had submitted a complaint regarding Bank of America Business Credit Card Application # XXXX being denied. That CFPB complaint number was XXXX. This bank now has attacked me personally by closing out my personal credit card ending in XXXX through retaliation due to the prior CFPB complaint done on XX/XX/2022. The reason ( s ) listed are bogus and are a cover up just to cover up thier XXXX from any litigation or lawsuit. Its pretty obvious that this bank has retaliated in an effort to " get back at me " for the previous complaint. In regards to retaliation, Bank of America has been sued by many consumers and previous employees for employment and credit retaliation. This is public record. Bank of America needs to be investigated for this illegal act. I am going to take legal action against the Bank because I have had enough of thier XXXX. Please note, I am going to purse for {$5.00} million in damages that are unethical and demand my credit card be re-opened with the same credit limit. I further will sue you for an additional {$1.00} million due to the negative impact your going to leave on my credit report. It will show a closed account done by the credit grantor. Your not going to start damaging my credit score, and credit report with your nonsense. You had no valid reasons to close my account. The account wasnt even open 60 days and always carried a {$0.00} balance. All actions, i have mentioned in the complaint, are going to be pursued and i can promise you, i will see your XXXX in court.

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 2022-04-24 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: AL

Complaint narrative:
XXXX XXXX  ( XXXX ) Violated my rights for years, i didnt give any consent to anyone, never received validation request, severly inaccurate that by law must be removed.. 
Account ( XXXX ) soc sec administration.. 
Is also in violations of never giving me validation, on saying " verified '' wrongfull Investigation.

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 2022-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Account number XXXX. My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX. IL XXXX.This company sent this account twiceto my credit report. Its a duplicate accountI have already told them I did not open these accounts. The statue of limitations already ran out and they reported the same account so it can stay in my credit report. I know this is illegal to do. I have request numerous of times to delete this account from all my credit reports. I am requesting for this company to delete this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: KS

Complaint narrative:
I received a text from XXXXOportun that my loan was ready ( I didn't apply for a loan ). Shortly after my employer sent an email informing employees there was a data breach had occured in the company and XXXX Oportun was sending employees notice of loans. On XX/XX/22 I called Oportun and made a fraud claim against a loan they created in my name Loan # XXXX. The caller advised me that there was a loan but, no funds had been disbursed. Oportun said they would send the claim to their fraud department. I called again XX/XX/22 and Oportun had no record of my initial call. I requested Oportun badge numbers they had none, Loan number, and the amount on loan. Oportun said they disbursed {$8000.00} to a XXXX prepaid card after telling me on XXXX that no funds had been disbursed. I ask to speak to a Manager or the fraud department and the call takers state that they WILL NOT transfer me to a manager or the fraud department ( because they don't exist ). Oportun issued me a fraud ticket number of XXXX. Update : XX/XX/22 I have called Oportun back multiple times, each call-taker has no record of my fraud ticket based on the REQ number they gave me. Oportun asks for 1 more piece of my personal information with each call. ITS FRAUD and I am not dealing with Oportun 's fraud call center.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am seeing information on my credit report that is not 100 % accurate. I have called several times and I am unable to speak with a live person, The call will eventually hang up. I am also unable to submit online disputes. Once I try to start a dispute, it will display the message " we're unable to complete your request online ''.

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 2022-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX insurance states, I owe for rental insurance it was a quote, never sign any documents. Now I am getting letters from a collection agency for the amount of {$100.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

These addresses do not belong on my credit report XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

These addresses do not belong on my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-04-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  Amount {$700.00}, 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 2022-04-24 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Amount {$700.00}, 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 2022-04-24 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: CITIBANK, N.A.
State: DE

Complaint narrative:
THESE ACCOUNTS AND ADDRESSES NEED TO BE DELETED AND REMOVED UNDER THE FCRA 15 USC 1692. I HAVE NO KNOWLEDGE OF THE REPORTED ADDRESSES NOR ACCOUNTS PLEASE DELETE AND REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORT I AM NOT ABLE TO OBTAIN ANY CREDIT IN MY NAME BECAUSE OF THIS MANNER. MY ONLY ADDRESS I HAVE CONTACT WITH IS XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. PLEASE REMOVE AND STOP REPORTING ALL INCORRECT INFORMATION I HAVE DISCLOSED IN MY LETTER

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 2022-04-24 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: GA

Complaint narrative:
XXXX  account # XXXX, has violated my rights

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 2022-04-24 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: GA

Complaint narrative:
XXXX  account # XXXX, has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX of this year I seen advertisement on XXXX for a Signature Rewards Chase Visa card. The advertisement says upon approval, the credit card would automatically be placed in my XXXX wallet and I would given a {$50.00} gift card from XXXX. I applied and was immediately approved but XXXX never gave the {$50.00} gift card to me. I called XXXX customer service, only to be told I dont get the gift card until after I get the card in the mail and link it to my account myself. I told the representative that this is not what it says on the XXXX website and that the offer details also says the gift card is issued upon approval, not when the card comes. Rep told me he would call chase and verify that I was approved and then apply gift card balance. After holding for 30 minutes, I was greeted by a chase representative that didnt know anything about my situation and rep was no longer on the phone. So I had and call again. After bringing rep up to speed on my issue, rep just cold transfers me to chase customer service. I placed 4 more calls to XXXX customer service before I just gave up due to getting the same result. Its is now XX/XX/XXXX and the credit card never came. I called chase and they said the card my have gotten lost in the mail, issued me a new card and expedited deliver however no resolution from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-24 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: The CMI Group, Inc.
State: NV

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XX/XX/2022 Amount {$440.00}, 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 2022-04-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Amount 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 2022-04-24 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX  Amount 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 2022-04-24 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX {$150.00}, 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 2022-04-24 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: ProCollect, Inc.
State: GA

Complaint narrative:
Under 15 usc 1681. XXXX  account # XXXX has violated my rights

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 2022-04-24 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: DISCOVER BANK
State: IA

Complaint narrative:
I received an email from my credit card company ( Discover Card ) on XX/XX/2022 around XXXXXXXX XXXX that there were XXXX attempts made to send {$300.00} to someone called XXXX XXXX via XXXX using my credit card on XX/XX/2022 around XXXXXXXX XXXX and XXXX. First attempt was unsuccessful but the second one was successful. It is my ex boyfriend who has been following me since I broke up with him. XXXX XXXX is his sisters name. First he spread my explicit videos around Without my permission and now he he send money to his sister using my credit card. He also broke into my phone last month to access my photos and other contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX {$150.00}, 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 2022-04-24 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX {$150.00}, 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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
At this time XXXX XXXX HAS not responded to my dispute in regards to XXXX XXXX REMOVING MY DATA INFORMATION including from third party credit bureaus, which includes XXXX, equifax, XXXX. This company has also responded to a different claim other than my own also with a different name. The correct claim number is XXXX, as reflected in the attachment. I have no idea who XXXX XXXX IS, this is not me. My customer number is XXXX. Please respond and remove the data information that was sold to XXXX equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
At this time XXXX XXXX HAS not responded to my dispute in regards to XXXX XXXX REMOVING MY DATA INFORMATION including from third party credit bureaus, which includes experian, XXXX, XXXX. This company has also responded to a different claim other than my own also with a different name. The correct claim number is XXXX, as reflected in the attachment. I have no idea who XXXX XXXX IS, this is not me. My customer number is XXXX. Please respond and remove the data information that was sold to Experian XXXX and 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