vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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.

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 2022-09-21 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS COMPLAINT IS SUBMITTED BY MYSELF XXXX XXXX WITH NO ASSISTANCE. 

XXXX XXXX  ( XXXX ) This account is open! It has never been closed! The balance is XXXX The payment history since XX/XX/2022 till present ( XXXX ) is not reported It should be reported open. Payment history from XXXX XXXX XXXX  is on-time good

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 2022-09-21 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: WA

Complaint narrative:
I have been permanently opted out of receiving credit and insurance offers, which I completed several years ago, through the opt out provided by the FCRA and CFPB. Unfortunately, Experian is ignoring my permanent opt out status, and continues to supply my personal and credit information to credit and insurance agencies. I have confirmation that Experian was the credit agency responsible for providing these two companies with my information, illegally. 
I have tried, multiple times, both verbally and in writing, to contact Experian but have received no response concerning this matter. I am unsure why this credit agency is engaging in illegal activity, but I would hope that this business would be aware enough to follow the current federal statutes on this topic and begin to abide by 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 explanation
Consumer complaint received 2022-09-21 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: NV

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 rights 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. 

ACCOUNT : XXXX XXXX XXXX XXXX Account numberXXXX Open Balance : {$4900.00} Date opened : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : ( 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 2022-09-21 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: NV

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 rights 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. 

ACCOUNT : XXXX XXXX XXXX XXXX Account XXXX Open Balance : {$4900.00} Date opened : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
First of all, this happen in 2015, and the attorney is uncredited. Secondly he is trying garnishing my only income that I work for my son as a XXXX XXXX XXXX. Thirdly I went to court on it and was unable to contact them by XXXX, so the court granted him whatever he asking for the complex that he is claiming more money than was ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
My account was spoofed and the bank has been unwilling to refund my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Hi, The complaint refers to Citibank ( Reference ID : XXXX ) I have had joint checking and savings accounts with my wife, and several credit cards with Citibank, for several years. In addition, my current employer direct deposits my paychecks there and I also use the billpay platform to pay my utilities. 
We have been receiving multiple XXXX XXXX XXXX  requests over the past couple of weeks, each with successive and increasing levels of information being sought, in order to ensure that the accounts " remain in good standing. '' * First I was asked to validate basic information such as personal information ( name, address, etc. ).

* Second, I was asked to validate my employer name, which I complied with. 
* Then I was asked to provide information about my annual income, which reluctantly was provided, including updating my online customer profile. 
* The information provided in the online profile was not retained, and the phone calls continued, threatening us that the accounts will be closed or frozen. 
* Today, XX/XX/22 things escalated even further as we were asked to provide " sources of wealth '' and detailed assets, liabilities, and property valuations. I complained to the representative about this being intrusive to my privacy and unnecessary to operating the bank account and was once again threatened with account freeze by mid XXXX, should the information fail to be provided. 
My wife and I feel totally harassed, our privacy is being infringed upon, and now we have to incur unnecessary expenses to prove the valuation of home and assets. We are completely dumbfounded as to why Citibank is being unreasonable and asking for items such as " employment verification letter '' when my direct deposit clearly states the source of income. Attached please find the latest round of requirements. While Citibank claims that their XXXX rules may differ from other financial institutions, and we can easily switch accounts, we would like to formally complaints as other Citibank customers could be similarly targeted and inconvenienced. 
Despite our request, no information was provided about how this sensitive personal information will be handled, what is its chain of custody, who has authority to request or even view such private information for the purposes of validating our account information. 
We refuse such details and are asking for your help in resolving this matter. See attached request list from Citibank and you can judge for yourselves as to its overall reasonableness. 

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 explanation
Consumer complaint received 2022-09-21 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:
On XXXX I sent experian a certified letter asking them to validate a collection on my report from fair collection and out sourcing. I asked them to prove this is my account with a signed contract. I also ask them to send me what they used to verify and validate this is my account. This account is not on XXXX  or XXXX. I have contacted experian for the last 5 years to send me proof and validation that this is my account and they never do. All they say is its verified without providing the resources I request.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
As appears in XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX This people are requesting my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. In XX/XX/XXXX I lost $ XXXX untraceable money from XXXXXXXX XXXX Coincidence? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Requested my credit report on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Requested my credit report without my consent on XX/XX/XXXX When I called them to complain about it, they immediately asked for my social security number. Imposible! I didn't provide the number, so they continue asking for more personal information, I just disconnected the call. I noticed they were clearly spam numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
In XXXX XXXX XXXX I visited the XXXX. I paid my deductible per XXXX XXXX ( my health insurer, at the time ) and received a statement that the claim was settled. A few months later, I received a bill from the XXXX doctor. I contacted them and asked what the bill was for and they stated that they didn't work for the hospital and it was part of their billing. I immediately contact XXXX to complain, given I should only be responsible for the deductible. They agree and informed me this was called Surprise Billing and not to pay it, they would handle the claim. About 6 months later, I began receiving requests to pay this doctor bill from a collector. I told them I was informed by my insurance company to not pay and forwarded the statements to XXXX. In XX/XX/XXXX, I applied for a Home Equity Loan and was very surprised to see I was denied and immediately ran my credit report. The debt collector for the XXXX doctor reported this Surprise Billing negatively on my credit report for both XXXX and XXXX. I again contacted XXXX and asked why this hadn't been taken care of, as they stated they would. They pull the claim and said they would again take care of it. This has affected my credit negatively and repairs needed on my home. It now illegal to collect on Surprise Billing and I am stuck in the middle between an unsavory debt collector and my health insurer. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: WA

Complaint narrative:
The company sent me an invite as a current US Bank customer, to a new branch opening opening at, XXXX XXXX XXXX XXXX, XXXX, WA XXXX. On the mailer I was sent, it offered a free pair of bluetooth headphones if you made an appointment in the branch before the end of the month, XX/XX/XXXX. 

I had regular banking to take care of such as a deposit, a withdrawal, and questions about opening an additional personal in business credit card. I made an appointment during the first week of open. I showed up for my appointment, spoke to two very friendly and helpful women. However, I was told that they ran out of the promotional item. Customer service, which I did. Customer service said to work with the branch, who directed me back to customer service. So I'm in a loop. 

I'm frustrated, you indicated I had to the end of the month to make an appointment. I made an appointment during the first week and yet you are still not honoring the promotion. 

Please help.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There was a false eviction put on my credit by a landlord. It was dismissed by the judge. The court has the dismissed case on file. It still shows up as an eviction 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 non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
1 Remaining Negative Account. 

Account Name : WELLS FARGO DEALER SVC Account Number : 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 2022-09-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Complaint XXXX My complaint is intended for WELLS FARGO BANK NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo Bank NA shows as a lien holder on my title with Illinois Secretary of State. 
XXXX XXXX is a partner with Wells Fargo and also appears on my registration. 
My vehicle was a lease vehicle. I paid-off the lease & purchased the vehicle over 2-year ago. 
Named parties involved in the transaction were XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Wells Fargo listed above. XXXX XXXX, XXXX XXXX XXXX Wells Fargo are known to be business partners that provide auto financing and leases. 
XXXX XXXX, XXXX XXXX XXXX Wells Fargo do not have any financial interest in my car and should cooperate in clearing my title. 
I have provided the VIN number and car registration information. Title information can be verified on the Illinois Secretary of State web site by searching the VIN. 
I have provided information to confirm I paid off the lien Also provided is a form with contact information for the Illinois Secretary of State that can be used by Wells Fargo to communicate that Wells Fargo has no ownership interest in my car. 
The referenced complaint was filed XX/XX/2022. Since that filing, I have received a call & email from XXXX XXXX XXXX XXXX at Wells Fargo. I also received email and spoof call from XXXX XXXX XXXX caller id shows the phone number used by both XXXX & XXXX as being from XXXX XXXX. 
It is obvious that Wells Fargo representatives do not want to be properly identified as they do not provide last names, employee identification numbers and they share the same phone number which is identified as being their own personal phone extensions. 

My request should be very simple for a Lender. I want a release of lien or a certificate of error and/or anything appropriate document to clear my title. Wells Fargo, XXXX XXXX XXXX XXXX XXXX do not seem well informed on what happens when a lease is paid-off early and the car is purchased by the consumer.

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 2022-09-22 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I signed up for American Express Platinum Business Card because I recieved a promotional mail promising me 100,000 membership points upon approval, and after I spend atleast {$15000.00} within the first 3 months. The offer was valid until XX/XX/2021 and I signed up and was approved in January of 2021. 

I have charged well over {$100000.00} over the last year and half with AMEX, but they have refused to honor my 100,000 bonus promo. I called them several times, and they escalated the matter for " Investigation '' and promised to contact me ASAP but they NEVER DID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-21 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 FCRA XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681Section 602A. 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 2022-09-21 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 FCRA XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681Section 602A. 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 2022-09-21 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: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
All three credit bureaus have my student loans inaccurate on my report, a couple of reports dont have some but other reports have them, all credit bureaus should be all accurate with same accounts and all those accounts should be off my credit report

Company response to consumer: Closed with explanation