vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was initially told that the funds left in the account could be transferred to a different account before closing the account. Once the account was closed I was told the check would be mailed to the address on file. XXXX XXXX expressed the check was returned. I suggested sending the check to a different address and was asked for personal information via email. I uploaded my DL and Birth Certificate. An email asked me to send the back image of the Birth Certificate. This made me uncomfortable and I requested to have the check resent to the initial address. The email is continuing to ask for the image. I have been waiting on the check to be sent since XX/XX/XXXX, and we're going into XXXX now and dose n't seem as though any progress has been made. I've called several times since XXXX I have the call logs and all the email coorespondence. Currently collecting information in preparation to start taking legal action.

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 2023-02-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: IL

Complaint narrative:
Ive just recently started paying attention to my credit score as a young adult and there were accounts that were open during the pandemic that I have no knowledge of i have had to go through so much someone even put fraudulent unemployment in my name also around the same time that I had to get straightened out this is really inconveniencing me I have constantly tried to dispute the unknown accounts and they havent been leaving.

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 2023-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account has been reporting for XXXX months, with no information given, and no investigation completed per 15 USC 1681eB shouldn't be reporting as I also never gave permission. This XXXX XXXX XXXX XXXX ) account was also re-added and I was never given XXXX  days prior notice. I mentioned this and it's still reporting and only being updated. This is entirely incorrect, and false and I want to be removed. See attached 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 explanation
Consumer complaint received 2023-02-20 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: FL

Complaint narrative:
I have disputed this account multiple times and provided a identity theft report and equifax has not deleted XXXX XXXX bank tab this account is fraud and needs to be removed off my credit report and blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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:
XXXX XXXX XXXX, is improperly calculating my FICO Score 1. The date you opened your oldest bankcard or credit card account is too recent 2. Lack of sufficient credit history 3. Lack of sufficient relevant real estate account information 4. Balances on bankcard or credit card accounts too high compared to credit limits

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 2023-02-20 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:
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 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 2023-02-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. All three credit agencies have different reporting scores and in correct information. I have requested to have all this reporting to be removed several times to the credit agencies and not removed. Credit acceptance was only removed in XXXX. XXXX XXXX has not yet provided what this the collection debt in question. All three credit agencies should also have my name XXXX XXXX XXXX and address XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX. I have mailed and called to request for my information to be accurate and no resolution. 

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 an 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 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known 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 2023-02-20 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: FL

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: FL

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.

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 inaccura
te.

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This account has been reporting for 3-5 months, with no information given, and no investigation completed per 15 USC 1681eB shouldn't be reporting as I also never gave permission. This XXXX XXXX XXXX XXXX ) account was also re-added and I was never given 5 days prior notice. I mentioned this and it's still reporting and only being updated. This is entirely incorrect, and false and I want to be removed. See attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: OH

Complaint narrative:
This account has been reporting for XXXX months, with no information given, and no investigation completed per 15 USC 1681eB shouldn't be reporting as I also never gave permission. This XXXX XXXX XXXX XXXX ) account was also re-added and I was never given 5 days prior notice. I mentioned this and it's still reporting and only being updated. This is entirely incorrect, and false and I want to be removed. See attached 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 explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-02-20 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: 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. 

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 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 non-monetary relief
Consumer complaint received 2023-02-20 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: PA

Complaint narrative:
XXXX XXXX XXXX sent mail regarding removing the account from my profile then 2days later sent a letter stating I am liable for the account!

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 2023-02-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX sent mail regarding removing the account from my profile then 2days later sent a letter stating I am liable for the account!

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 2023-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
ICE WEOTE THIS COMPANY SEVERAL TIMES ASKING THEM TO LOOK INTO THES WRONG CHARGES THAT ARE NOT ACCURATE, I UNDERSTAND THAT XXXX XXXX AND XXXX ASSUMED A VITAL RILE IN CREDIT REPORTING AND ARE NOT ADVOCATING FOR THE CONSUMERS, IT HAS BEEN SEVERAL KINTHS AND IVE YET TO HEAR A RESOLUTION I ASK YOU FOR YOUR HELP AND PRAY YOU DELIVER THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ICE WEOTE THIS COMPANY SEVERAL TIMES ASKING THEM TO LOOK INTO THES WRONG CHARGES THAT ARE NOT ACCURATE, I UNDERSTAND THAT EXPERIAN XXXX AND XXXX ASSUMED A VITAL RILE IN CREDIT REPORTING AND ARE NOT ADVOCATING FOR THE CONSUMERS, IT HAS BEEN SEVERAL KINTHS AND IVE YET TO HEAR A RESOLUTION I ASK YOU FOR YOUR HELP AND PRAY YOU DELIVER 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 non-monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/22, I addressed and signed a check for {$2000.00} to XXXX XXXX XXXX. I placed the check in an envelope and XXXX XXXX XXXX for mailing on XX/XX/22. The check was not received by the landscaping company but was cashed at a USAA branch on XX/XX/22 by someone other than the payee and without any payee signature or bank endorsement. I contacted my bank, XXXX, on XX/XX/22 and opened a claimed, completing a Declaration of Unauthorized Endorsement or Altered Item ; the intended payee signed the form on XX/XX/22. XXXX has contacted USAA several times but received no response. I also tried contacting USAA and spent several hours on the phone with different people there but they all said they couldn't help me. It has now been almost 1 year, and I have not received my stolen money back -- USAA has taken no responsibility despite cashing a check to someone who was not the payee and without a signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a 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 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
There is a Citibank offer last XXXX ( the offer is still on going ). If a new customer opens checking account for the 1st time, and deposits {$15000.00} for more than XXXX, then I can get {$400.00} bonus. Therefore, I opened my 1st bank account and deposited {$15000.00}, and I checked with CITI banks customer service that Im eligible for the offer after I applied the promotion. I was supposed to get {$400.00} by XXXX XXXX, but I didnt get it until the mid of XXXX, so I called customer service again. The representative double confirmed Im eligible for the offer, but the back office is super busy because its end of the year. She also told me I can receive the offer in the 1st week of XXXX, but I didnt get any offer or feedback from CITI XXXX 
After that, I called again, and the another representative submitted the investigation ticket because shes not sure why my case is being delayed. At that time, she also confirmed that Im eligible for the offer. She told me I could get any feedback and offer within 5 business day, but I didnt get any feedback. 
After that, I called the customer service more than 10 times, and EVERYTIME WAS SAME ANSWER : I am eligible for the offer and my case is under investigation with the urgent case note, and I could get any feedback and offer within 5 or 10 business days. I also talked to several supervisors, and they also confirmed it. 
However, I never got any feedback from CITI, and when I called last Friday, another representative told me Im not eligible because some kind of promotion code was not attached. I followed every step as the guide said, and CITI representative confirmed Im eligible for the bonus offer right after I applied, and more than 10times from different representatives everytime I called. I also talked to supervisor, and she kept saying shes sorry for all the wrong information and inconvenience but theres nothing they can do. 
They couldnt told me what kind of code was missing because they didnt know, either. 
This does not make sense at all, and I can not believe how CITI bank scammed customers.

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