vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-03 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: LA

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 2022-07-03 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: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My complaint begins with some hard inquiries I encountered on my credit report. Total of 9 hard inquiries.

Banks that showed up on my report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In the end of the month of XXXX continuing to the beginning months of XXXX. XXXX I recently started a XXXX business in XXXX ( XX/XX/22 ) and have not established any business credit. I believe these hard inquiries are fraud and should be taken off my credit report. I am well aware on how to manage, spend, and keep my utilizations low in order to build proper credit without applying too many unnecessary debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Due to theft and act of fraud by persons being investigated whom accessed account after stealing my debit card, I immediately contact American Express Serve to cancel my card. After doing so, my funds was locked and I had no way to make withdrawals on declined transactions were ongoing when making oayment with bank routinb and account number. My card was expedited but due issues that thr company fail to investigate and refuses to acknowledge, this has left thr access to my accou nt unsecured likely due to the inteference by these individuals who are responsible for the theft of my identity and are being currently pursued crriminally. Having no access to my account has cause multiple unauthorized transactions and pending transactions, it has led to the compromise of the debt card PIN security feature and seem to be used as a frature that allows the card holder to enter my phone banking. Transfers can be made with attempts have been notices. The continuous changing of my email per notifications from the institution, allowing smaller unauthorized activity and the routing of notifications and statments to be routed as my account is under absolute compromise without any support, remedy, or corrective action from the Financial Institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My complaint begins with some hard inquiries I encountered on my credit report. Total of 9 hard inquiries.

Banks that showed up on my report are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In the end of the month of XXXX continuing to the beginning months of XXXX. XXXX I recently started a XXXX  business in XXXX ( XX/XX/22 ) and have not established any business credit. I believe these hard inquiries are fraud and should be taken off my credit report. I am well aware on how to manage, spend, and keep my utilizations low in order to build proper credit without applying too many unnecessary debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My complaint begins with some hard inquiries I encountered on my credit report. Total of 9 hard inquiries. 

Banks that showed up on my report are : XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX In the end of the month of XXXX continuing to the beginning months of XXXX. XXXX I recently started a XXXX  business in XXXX ( XX/XX/22 ) and have not established any business credit. I believe these hard inquiries are fraud and should be taken off my credit report. I am well aware on how to manage, spend, and keep my utilizations low in order to build proper credit without applying too many unnecessary debt.

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 2022-07-03 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  account # XXXXXXXX XXXX XXXXXXXX : XXXX XXXX {$380.00} collection XXXX XXXX XXXX XXXX XXXX {$270.00} collection XXXX XXXX XXXX : XXXX XXXX {$53.00} collection XXXX XXXX XXXX XXXX XXXX {$440.00} collection XXXX XXXX XXXX XXXX XXXX {$18000.00} collection XXXX XXXX XX/XX/XXXX {$2600.00} collection XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX inquiries XXXX XXXX XXXX inquiries XXXX, an XXXX XXXX inquiries XXXX XXXX  XXXX XXXX inquirieXXXX XXXX XXXX  XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX  XX/XX/XXXX inquiries 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 in 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 2022-07-03 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXXXXXX : XXXX XXXX {$380.00} collection XXXX XXXX XXXX XXXX XXXX {$270.00} collection XXXX XXXX XXXX : XXXX XXXX {$53.00} collection XXXX XXXX XXXX XXXX XXXX {$440.00} collection XXXX XXXX XXXX XXXX XXXX {$18000.00} collection XXXX XXXX XX/XX/XXXX {$2600.00} collection XXXXXXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX inquiries XXXX XXXX XXXX inquiries XXXX, an XXXX XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX  XX/XX/XXXX inquiries 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 in 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 2022-07-03 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.

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 2022-07-03 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.

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 2022-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I am trying to enroll in the CitiGold subscription rebate program. I called the phone number listed on the webpage to sign up at XXXX XXXX XXXX However, there is no option in the phone tree to sign up. When I chose the option to speak with a representative, the phone just hangs up. 

I tried using chat messaging to sign up, but the representative then told me I had to call the number which I just called. 

I also tried emailing my representative who has not responded to my emails for several months. 

Everyone seems to be very much checked out and unhelpful.

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 2022-07-03 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 XXXXXXXX XXXX Account # xxxxxxx XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX xxxxxxxxxxxx XXXX / XXXX XXXX XXXX XXXX Account # XXXX 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 2022-07-03 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 XX/XX/XXXXXXXX XXXX XXXX XXXX  ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-07-03 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 XXXXXXXX XXXX  Account # xxxxxxx XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX xxxxxxxxxxxx XXXX / XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX 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 2022-07-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # xxxxxxx XXXX / XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX xxxxxxxxxxxx XXXX / XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX 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 2022-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
1- on XX/XX/XXXX, i initiated a wire transfer of {$2500.00} usd from MY Citibank US checking account to MY Citibank XXXX account ( now XXXX, but still supposedly administered by Citi ) ; 2- for unknown reasons, it never arrived ; 3- after ~ a week, i directed Citi to recall the money back to my Citi US account ; 4- around 15 days ago, CitiUS advised me that my money HAD BEEN SUCCESSFULLY RECALLED but that it would take 4-5 days to be returned to me because of accounting procedures ; 5- now, 27 days since Citi took possession of MY money, IT STILL HAS NOT BEEN RETURNED TO MY ACCOUNT despite daily calls, messages, emails to the CEO, etc. 

6- i am XXXX XXXX XXXX XXXX XXXXn XXXX for XXXX XXXX years, & i need this money! can you please LIGHT A FIRE UNDER CITIBANK!? 

( Ref : XXXX XXXX ) sincerely, tbc

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 2022-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Bought an item at XXXX XXXX using a new comenity bank credit card on XX/XX/XXXX I had purchased roughly $ XXXX in fishing gear. I paid {$200.00} cash leaving roughly {$90.00} on the card I do bot have exact amounts on hand but can find them as needed. I went to make first payment XX/XX/XXXX website wouldnt let me register my card. Kept saying there was an issue. Tried the next day and got the same thing. Then the next day a message on the site says regular maintenance shut down been this way ever since, been trying to pay by calling and could finally pay tonight XXXX on a quick pay option, was charged {$32.00} in late fee, and will likely ding my credit as I dont fit into their XXXX message. my issue is they have a new message saying that they will not ding credit and charge late fees for XXXX. Ive been trying to pay since the XXXX. Also they say my payment was due the XX/XX/XXXX which I had gotten the card XX/XX/XXXX. That is not a month, I could not register my account, maybe already registered account holders could sign in and pay till XX/XX/XXXX but I, a new card holder was unable to register my card. I tried to register tonight XXXX and it says my card is already registered and activated which is impossible. Im extremely frustrated and have been building my credit responsibility since I turned XXXX ( now XXXX ) without one late payment and now Im scared my perfect track record will be ruined due to this issue. As a new account holder I was affected more than an account holder whoms account was registered already. I have made a {$90.00} payment as owed tonight and do not want to pay a late fee for these issues. I do not want to be charged as I was likely the first to see these issues and afraid they will hurt my credit to take my money and close the window of effected customers to a narrow XXXX which is not when these problems had first began

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Previously I had a BBT credit card in my name that was opened in the XXXX XXXX TX branch without me being present or signing my name to any documentation by a banker that was opening an account for a XXXX XXXX XXXX XXXX with my husband. My husband opened all of the deposit accounts w/ joint ownership, which I agreed to. However, the banker lied to my husband & told him that the credit card was in his name only since he was the one in the branch at the time. We proceeded to use the card but elected to close the account bc BB & T erroneously reported 4 late payments on my personal credit, which was incorrect, as we had setup autopay and bc bbts system was terrible at best, our autopay wouldnt work certain months and we were locked out of making payments manually online, as well. Therefore, when we raised these concerns, bbt came to an agreement with us that they would remove this card entirely from our credit report when/if we paid off the card, which we did, and bbt proceeded to remove the card from all bureaus until a year later when they showed back up & caused my credit score to plummet right before buying our $ XXXX house- this increased our APR from 2.66 % to 3.375 % costing us XXXX of dollars! I demand removal of the bbt card immediately and in return we wont file suit against bbt & their criminal banker that used my info to open a CC without my approval.

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 2022-07-03 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-07-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk ) XX/XX/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