vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 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: NC

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. 

XXXX XXXX XXXX  : Acct # XXXX XXXX  XXXX XXXX : Acct # XXXX XXXX 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. 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 explanation
Consumer complaint received 2022-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, The List of inquiry accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX XXXX XXXX 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 2022-12-04 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Im writing to dispute information on my credit report. 
This information, in my credit inquiries from this companies : XXXX  XXXX XXXX, inquired on XXXX ; XXXXXXXX XXXX  XXXX XXXX on XXXX ; XXXX, XXXX on XXXX ; XXXXXXXX XXXX XXXXXXXX, inquired on XXXX ; XXXX XXXX NA, inquired on XXXX ; XXXX  XXXX on XXXX ; XXXX XXXX XXXX XXXX XXXX on XXXX ; XXXX XXXX inquired on XXXX ; XXXX XXXX XXXX, inquired XXXX XXXX ; XXXX BANK, inquired XXXX XXXX ; XXXX XXXX, inquired XXXX XXXX XXXX XXXX XXXX, inquired on XXXX ; XXXX  XXXX inquired on XXXX ; XXXX XXXX, inquired XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX BANK, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX  XXXX, inquired on XXXX ; XXXX XXXX XXXXXXXX, inquired on XXXXXXXX XXXX XXXX XXXXXXXX,, inquired on XXXX ; XXXX is inaccurate because I did not request credit with them.

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 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I attempted to add the account number and routing number for an external bank account to my Citi account in order to make an ACH transfer from my Citi bank account to my external account. When I did this, I received error code " XXXX '' and a phone number to call to attempt to resolve the error code. 

I called the number and spent approximately 1 hour speaking to various representatives about this issue. I was told that due to a " maintenance issue '' I could not add an external account, but the maintenance would be done in 24-48 hours.

After 48 hours, I attempted to add the external account to my Citi bank account. I received the same error. I called Citi again. Citi now stated that Citi has discontinued the ability to add external accounts using an account number and routing number. Citi stated that the only way to add external accounts was by using XXXX. Nevertheless, the ( non-functioning ) option to add external accounts using account numbers and routing numbers still exists on the website, and as an option in Citi 's terms and conditions. 

My external bank account does not support XXXX. Thus, I can not add this account using XXXX. Furthermore, the use of XXXX is prohibited by the terms of service of most banks, as it requires providing bank account logins to a third party service. 
I am therefore unable to access my funds in my Citi account! 

In order to access my funds, I also attempted to add my external account as a XXXX XXXX recipient ( as the external account is a brokerage, they are registered with Citi and appear in Citi 's system as an eligible payee ). When I attempt to do this, I also receive error code " XXXX ''. I was transferred to the fraud department to help resolve this issue. The ( nearly inaudible ) agent within the fraud department requested that I receive a verification phone call in order to verify my account. I could not do this as I was on the phone with Citibank. After some time, the agent stated that " my account was not eligible for servicing at this time, bye-bye '' and hung up. 

As it stands, the funds in my account are inaccessible. I need to add an external account, but every method to do so is broken. Despite this problem, I have been hung-up on repeatedly by customer service representatives. 

All I would like is to be able to transfer funds from my account electronically. The bank does offer wire transfers for a fee, but I refuse to pay the fee given that I should have access to electronic transfer methods with no fee.

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 2022-12-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act The 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We used our travel rewards on our credit card with Chase using their Chase Travel Rewards service to buy a return trip ticket from XXXX XXXX  to XXXX XXXX for travel on XX/XX/XXXX and return travel on XX/XX/XXXX of 2022. The chase credit card is in name of XXXX XXXX. The travel was for XXXX passengers XXXX XXXX ( wife of XXXX XXXX ) and XXXX XXXX ( son ). The trip ID was XXXX. We used our rewards points with additional cash amount. It was a refundable ticket. We were not able to use the return portion of the ticket due to a death in the family and informed chase travel rewards and the airline ( XXXX XXXX ) ahead of the return travel date. 

Chase travel rewards has now been giving us the run around to refund our amount for the cancelled leg of the flight. After XXXX call and spending XXXX hours with them they finally processed a refund or {$2000.00} on XX/XX/2022. They also gave us a processing ticket number XXXX, but till date have not remitted that amount. After following up they have started to deny that the amount was processed, have started asking for additional fees to reprocess the refund and have been giving us the run around. They often disconnect the call after having kept us on the line for an hour and never call back. We seem to have no redress. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: MD

Complaint narrative:
I took a look at my consumer report which caused XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting act EXPERIAN, XXXX and XXXX are violating my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercises their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 
Here are the errors as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-04 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:
I took a look at my consumer report which caused severe XXXX and XXXX. According to the Fair Credit Reporting act XXXX, TRANSUNION and XXXX are violating my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercises their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 
Here are the errors as follows : 1. XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XX/XX/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 2022-12-04 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:
I took a look at my consumer report which caused severe XXXX and XXXX. According to the Fair Credit Reporting act XXXX, XXXX and EQUIFAX are violating my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercises their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 
Here are the errors as follows : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an open end consumer credit plan as late for purpose

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 2022-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of United States, if executed outside of the United States ) that the forgoing 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 A FEDERAL CRIMINAL VIOLATIONS punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report 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 believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
Amsher Collection Services has violated my consumer rights and are illegally attempting to collect a debt in a state that they arent licensed in. Due to this fraudulence, I would like this account removed from all three of my consumer reporting agencies reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Im writing to dispute information on my credit report. 
This information, in my credit inquiries from this companies : XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX  XXXX XXXX on XXXX ; AMEX, XXXX on XXXX ; XXXX OF XXXX, inquired on XXXX ; XXXX XXXX NA, inquired on XXXX ; XXXX, XXXX on XXXX ; XXXX XXXX XXXX XXXX XXXX on XXXX ; XXXX CARD, inquired on XXXX ; XXXX XXXX XXXX, inquired XXXX XXXX ; XXXX BANK, inquired XXXX XXXX ; XXXX BANK, inquired XXXX XXXX ; XXXX XXXX inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX, inquired XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX BANK, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX inquired on XXXX ; XXXX is inaccurate because I did not request credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: PNC Bank N.A.
State: MD

Complaint narrative:
Im writing to dispute information on my credit report. 
This information, in my credit inquiries from this companies : XXXX XXXX XXXX, inquired on XXXX XXXX PNC BANK , inquired on XXXX ; XXXX, inquired on XXXX ; XXXX XXXX XXXXXXXX, inquired on XXXX ; XXXX XXXXXXXX XXXX, inquired on XXXX ; XXXXE, inquired on XXXX ; XXXX XXXX XXXX XXXX inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX inquired on XXXX ; PNC BANK, inquired on XXXX XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX XXXX, inquired on XXXX ; PNC BANK, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXXXXXX XXXX XXXX XXXX XXXXXXXX, inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX is inaccurate because I did not request credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
On XX/XX/2022, I applied for a savings account with XXXX  and was notified that they would not open an account for me because of information obtained from a credit reporting company called " chexsystems ''. 

After reviewing the report I discovered that they reported " no information '' for me on every item, which is incorrect. I checked and my information with all three credit reporting agencies is accurate. 

I contacted chexsystems and filled out the forms they required for investigation as to the misinformation and I received a case number. ( reference ID is XXXX ) It has been over 60 days and I have not received any information from checksystems regrinding my inquiry and complaint. 

Clearly chexsystems is in violation of the law by not responding to my complaint and not correcting the inaccurate information they reported to dollarsavingsdirect. 

I have attached : Bank Application number Bank refusal letter Report from chexsystems Confirmation of my complaint

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 2022-12-04 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: NC

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. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2022-12-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX of XXXX  during the amidst of XXXX, my spouse having been XXXX, and loss of income, I unintentionally incurred a late payment on my USAA credit card account. I have no prior late payments or any late payments made after this month. I had thought the account was put on autopay and am not sure what happened. However after discussing with USAA they refuse to remove the late payment which is negatively impacting my credit score. Due to the circumstances at the time, and given my current account status I dont understand why the company has not looked into the matter perhaps it was an issue with the app or something and forgive or dismiss my ONE late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-12-04 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: IN

Complaint narrative:
In accordance with the Fair Acting Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation