vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX : # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX, Account name XXXX : # XXXX XXXX Account name XXXXXXXX XXXX : # XXXX, Account name XXXX XXXX XXXX : # XXXX have 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 to 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 non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANKMOBILE TECHNOLOGIES, INC
State: TN

Complaint narrative:
I go to XXXX XXXX and they use Bankmobile as the bank they release your funds to. I have tried several times to open an account with them and they always deny me and refuse to tell me why as required by federal law claiming it is the security department 's problem. Now every time I get my financial aid refund I have to cuss, rant, rave, and threaten a lawsuit and you all to get my money released and my profile found which after 5 minutes of hanging up from being constantly routed to an automated operator that continuously repeats the same message over and over ( " we can not help you if you did not receive a message from us which I never do when my funds are processed to my bank ) lo ' and behold my profile is found. This has been going on for XXXX XXXX now, the most recent being today. I should not have to pitch such a fuss and threaten legal action for a bank to follow the laws of this country and to follow their own policies. My school is even confused because they have never in all the years they have used them ever heard of a student being denied a checking account. 

This complaint is also being forwarded to the U.S. Department of Education.

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Issue : Barclays Bank not honoring promotional offers. 

I held a Barclays Bank personal Mastercard from XX/XX/XXXX through XX/XX/XXXX. During such time Barclays held 2 promotions for bonus airline miles ( 5 times miles ) if money was spent in the specified categories during the promotional period. Attached is a screenshot of one of the promotions for illustrative purposes. During both promotions I appropriately signed up for the offer, spent money in the relevant categories, but was never provided the bonus airline miles. I contacted Barclays customer service multiple times in the past 6 months. In each of the calls ( most recently XX/XX/XXXX ), the customer service agents confirmed that I DID indeed sign up for the promotions, I DID spend in the appropriate categories, and I did NOT receive the appropriate bonus. On the last call ( XX/XX/XXXX ) I was told that it was resolved and that I would receive the appropriate bonus within 8 weeks. It has now been 8 weeks and I have yet to receive any resolution. During my last call with Barclays I closed my account since their customer service and product are so poor. Barclays bank owes me approximately XXXX miles that I earned but did not receive. This is very valuable to me and I used the card specifically for these benefits. I have attempted for months to resolve this with Barclays, but have been unable to attain any resolution. Thank you in advance for your assistance.

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 2023-04-14 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:
I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted.

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 2023-04-14 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: TN

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX 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 2023-04-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for the US Bank Business Checking Account and was approved on XX/XX/XXXX. The reason I applied was because when I went on to US Bank website, there was a {$400.00} bonus promotion on the screen. I completed all requirements and was supposed to receive the bonus by day 60. However, after 100+ days, I haven't received anything yet. US Bank also charged me {$6.00} service fee twice without me knowing any ways to avoid it in the first place. I contacted US Bank Customer Support several times. The first time back in XX/XX/XXXX, the customer representative confirmed that I successfully completed all requirements and should receive my {$400.00} bonus soon. 

Yesterday, on XX/XX/XXXX, I contacted the US Bank twice to ask why my bonus hadn't shown up yet. They said that the code attached to my application expired before the account opened. This is very frustrating. When I applied directly from the website, there was a {$400.00} bonus offer prompting me to apply, with the note that the code would be automatically applied. If the code did expire, why did they even let customers use that code knowing that there would be no bonus? This is a bad way to get new customers. I checked online and noticed there were other customers who also didn't receive the bonus like me. 

So basically I was prompted to open a US Bank Business Checking account and got charged {$12.00} fees in total, with XXXX bonus. Completely disappointing.

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 2023-04-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi got the following on my credit report which is not known to me. 

XXXX ) XXXX  35 hard inquiries and 2 late payments. 

XXXX ) Equifax 22 hard inquiries and 2 late payments. 

XXXX ) XXXX 18 hard inquiries and 2 late payments All this late payments and hard inquiries are not from me must have been an identity theft of wrong identity case and it is wrongly reflecting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  According to FCRA 15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This account is inaccurate information on my credit report that needs to be removed.

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 2023-04-14 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: IL

Complaint narrative:
XXXX According to FCRA 15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This account is inaccurate information on my credit report that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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:
I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted

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 2023-04-17 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: CA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2023-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
As a responsible consumer, I have always kept a close eye on my credit reports and scores. Recently, however, I was shocked to discover an account from Capital One on my credit report that I have no knowledge of and never opened. Despite repeated attempts to dispute this account with XXXX Bureau and the FTC WEBSITE, but still, it has remained on my credit report, causing significant damage to my credit score. I have taken all the necessary steps to prove my innocence, including attaching my ID/Driver 's license, partial credit report, and FTC Identity Theft Report, ( In my attached FTC report XXXX you can observe that I have mentioned filing a dispute several times with Capital One in my personal statement. ) and even a police report to support my claim. I am confident that with your help, we can correct this error and remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate accounts, inquiries and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. 
I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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 Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX 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 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 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo transferred the balance of {$400.00} in my saving account to unclaimed property WITHOUT prior notice nor my permission. 
Wells Fargo has not proactively provided instructions on how to get my money back along with the account closure. 
My address, phone number, and e-mail address are up to date with Wells Fargo. I've had no problems receiving online statements in my email. The bank statement ( attached ) shows that I can receive mail at my address. 

Timeline of events : I received the attached bank statement on XX/XX/XXXX, indicating that my {$400.00} had been transferred to " unclaimed property '' on XX/XX/XXXX, and my saving account was hereby closed. 

XX/XX/XXXX : I called XXXX, the customer service hotline upon receipt of the bank statement. I was put on held and transferred multiple times without getting clear instructions. Additionally, I received no follow-up from them since then, although their representative promised that I'd hear back from them in 24 hours. 

XX/XX/XXXX, XXXX  : I then visited the Wells Fargo branch ( where I opened the saving account in XX/XX/XXXX ) located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. A personal banker confirmed that the bank should have notified me before the unclaimed property transaction. 

XX/XX/XXXX, XXXX  : Pennsylvania Department of Treasury does not have matching record ( s ) regarding my fund. The search result is attached. 

I learned that Wells Fargo is required to notify me prior to the transaction and provide instructions on how to prevent savings from being transferred to unclaimed property. 

In sum, this is a complaint of non-prior-notice for account closure/fund transfer to unclaimed property. I was shocked to believe that no previous communication of any sort ( mail, email, phone, text message ) was given before the transaction. Nor did I ever receive any instructions on ( 1 ) how to prevent the transaction to unclaimed property and/or ( 2 ) how to claim my {$400.00} saving back. To make this worse, there is no publicly available contact information or useful resources from Wells Fargo.

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 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2023, Navy Federal Credit Union deducted {$1400.00} from our checking account on the basis of a fraudulent claim made through XXXX by a former tenant. Neither Navy Federal nor XXXX made any attempt to verify the claim, contact us regarding this claim, nor did they allow us to provide evidence to counter the false claim. They did not even notify us of the deduction from our account. XXXX has insisted that we go through Navy Federal to resolve this. The former tenant 's bank XXXX XXXX also indicated that Navy Federal is responsible. 

We have ample evidence that we have since provided to Navy Federal at a branch office that the claim had no basis, and have requested they reinstate our funds. Navy Federal has refused to provide any evidence upon which the deduction was made from our account. Our evidence includes the lease with the former tenant, the entire history of rent payments made by the tenant through Navy Federal, the history of payments made by the tenant through XXXX, the entire balance history, and the back-rent still owed to us by the former tenant. We have talked with at least four representatives and supervisors from Navy Federal 's " Fraud and Digital Services '' department. To date, they have insisted that they will do nothing to consider our evidence, and that our only recourse is to file civil suit against our former tenant.

Note that the file attached to this complaint includes only a small part of the evidence supporting our position. Much more has been provided, and is still available, to Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation