vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-23 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:
My name is XXXX 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA
State: UT

Complaint narrative:
In XX/XX/2023, my estranged husband opened a credit card through First National Bank of Omaha ( FNBO ) for a store called XXXX with a credit limit of {$6800.00} and he applied for a personal loan in the amount of {$5500.00} with the same bank using my personal information without my permission. 

I contacted FNBO and had the card canceled. And was told about the personal loan which I stated was also not applied for by me. I asked for whatever records they had showing that my husband did this so that I could press charges. They told me I needed a subpoena to get that information. I believed them until I put a fraud alert on my credit and received confirmation in the mail by XXXX. Also, listed on that confirmation letter were my rights as an identity theft victim under the Fair Credit Reporting Act ( FCRA ). 
I then called FNBO again to ask them what I needed to send for them to release the records and was told again that I needed a subpoena. When I stated that wasn't true, I was told someone from their fraud department would call me back. After waiting several days and not getting a call, I contacted them again and was told the person who handled these issues was out of the office for a few days and would call be back. Of course nobody ever called me. 
So, I researched what I needed to do in order to obtain the records. I filed a report with the Federal Trade Commission ( FTC ), I filed a police report, I filled out an identity theft affidavit, I wrote a letter asking for the records, I enclosed a copy of the FCRA that stated my rights as a victim of identity theft, I also enclosed a copy of the FTC report, the police report number, proof of identity and proof of address. I sent everything to FNBO by certified mail and was notified that they received it on XX/XX/2023. Under the FCRA, they had 30 days to send me what I asked for without charge so I waited until XX/XX/2023, but hadn't received anything. So, on XX/XX/XXXX, I called them again, but this time, I recorded the conversation where I was told the records would be sent and I would receive them in 5 - 10 business days. 
It is now XX/XX/2023, more than 30 days overdue and I still have nothing from FNBO. 
I need these records in order to press charges, but I have hit a brick wall with this bank and I don't know what my next step should be, and that's why I am contacting the Consumer Financial Protection Bureau.

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 2023-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Company keeps closing my complaints. Have failed to provide substantiation of the debt; including but not limited to, verification of the debt, chain of command, payment history, and loan disclosures with my signature, full and proper accounting of the loans. Furthermore, I only received 13 of 17 documents provided by the company. I am a litigious consumer and will escalate this matter to the highest extent of the law if this matter is not fully investigated. I did not sign the document uploaded by the company on XX/XX/2020. Company is in violation of section 609 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am writing to file a formal complaint against Citibank Online for misleading and false practices in their credit limit increase evaluation process. On the week of XX/XX/2023, I applied for a credit limit increase through Citibank Online, and I was disheartened to receive a denial letter citing reasons that directly contradict the representations made during the application process. 
As evidence, I have attached a screenshot of the online application where Citibank stated, " We will not obtain a credit bureau report to evaluate your request and you will receive a decision instantly. '' Furthermore, I have also enclosed the denial letter, which clearly contradicts this statement by mentioning two crucial points : 1. The denial letter asserts that my credit report contains a late or missed payment with another creditor as the reason for rejecting my credit limit increase request. 
2. The same letter admits that the decision was based, at least in part, on information provided by XXXX, a consumer reporting agency. 
These contradictory statements demonstrate that the online application process was deceptive, misleading, and falsely advertised. By assuring applicants that no credit bureau report would be obtained and decisions would be instant, Citibank created a false impression of the credit evaluation process, leading applicants to believe that their credit history would not be a determining factor. 
The actions of Citibank Online are in direct violation of the following laws : 1. 15 U.S.C. 1691 ( d ) of the Equal Credit Opportunity Act ( ECOA ) : This statute explicitly prohibits creditors from making false statements or providing misleading information to applicants concerning the reasons for denying credit. Citibank 's contradictory statements during the credit limit increase application and denial process clearly breach this law. 
2. 15 U.S.C. 1661 - Prohibited Practices : Section 1661 outlines prohibited advertising practices, including misrepresenting credit terms, using false or misleading statements, and failing to disclose essential information. Citibank 's deceptive advertising, promising an instant decision without obtaining a credit report while subsequently relying on credit report information for the denial, is a clear violation of this 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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Incorrect information 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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TMX Finance LLC
State: PA

Complaint narrative:
Yes I'm trying to find out what should I do because I found out TitleMax had made a settlement but everybody that did business with them and I did business with them so I'm trying to find out if I need to do anything to get restitution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: FL

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-23 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: CA

Complaint narrative:
Their is incorrect information on my credit report including my previous address and hard inquiries.

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 2023-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 the 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 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, 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

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 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I transferred {$1700.00} from XXXX XXXX XXXXXXXX on XX/XX/23 At first I forget that I applied for a balance transfer from XXXX XXXX XXXXXXXX. So I question the payment to Barclays /priceline credit card.I called them back within 24 hours and told them to except the payment. I received a letter from Barclays telling me the problem was resolved. Well on XX/XX/23 I made a payment of {$70.00} dollars.They allegedly returned the {$1700.00} but they didn't and they didn't credit my account. I have called several times to have the funds of {$1700.00} either credit to my Barclays account or return it to XXXX XXXX XXXXXXXXI have a case number XXXX Basically Barclays reported to the credit Bureau that I was late on a payment! which I wasn't because they are still holding on to {$1700.00}. I have filed a claim with there company and I have spoke to at least ten different representative. So not only did they lower my credit score but they are holding {$1700.00} I have ask how and where the was allegedly return to.I have also asked for a tracking number but I was informed that they dont do that!

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 2023-07-23 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: CA

Complaint narrative:
Their is incorrect information on my credit report including my previous address and hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: CA

Complaint narrative:
Their is incorrect information on my credit report including my previous address and hard inquiries.

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 2023-07-23 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: NV

Complaint narrative:
Experian is knowing and willfully report inaccurate information on my report causing me emotional stress and stated they would remove on the cfpb portal but continues to report it causing me harm and defaming my charter. They were told on several occasion in writing this is identity theft I never gave anyone written permission or verbal to share my private transaction to make a profit off me. Its there grave responsibility to make sure they investigate transactions before they report on my consumer report and failed to do so! Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. They just marked it verified never sent method of verification an sent me proof that I have a contract with these collection companies or the forward flow sheet. I have a right to privacy and you violated me for the last time. Never Sent me Document that shows me I am LEGALLY OBLIGATED to pay this alleged debt. A simple answer of been verified doesn't constitute an appropriate legal nor lawful response

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 2023-07-23 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-23 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 do not recognize nor did I authorize it. I have never received any funds from them nor any lines of credit issued or utilized by myself. I never verbally or in writing gave anyone from the below companies permission to use my Personal information privately or publicly or in any sense to share XXXX XXXX XXXX ; XXXX XXXX  XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX  XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XX/XX/2023

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 2023-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
Per the FDCPA I requested verification of debt from EASTERN ACCOUNT SYSTEM OF CONNECTICUT, via certified mail. I do not recognize how the account is reporting on my consumer credit profile. I do not recognize, the account number, account status, high balance, or late payments associated with this account. The account does not meet FCRA. EASTERN ACCOUNT SYSTEM OF CONNECTICUT has not provided me with a purchase agreement with my signature and the account is still reporting on my consumer report which is a direct violate of 15 USC 1692 ( g ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am having an issue with Experian removing XXXX previous, irrelevant, and outdated mailing addresses in the personal information section of my consumer report. I can not receive any mail or legal documents at these previous mailing address. 

Experian also have XXXX different versions of my name listed. I've submitted a request to remove all versions of my name and correct my first, middle, and last name on XX/XX/2023, and XX/XX/2023. They failed to do so. I also called Experian on XX/XX/2023 and spoke with a representative with no success. 

I've submitted a request to move all outdated mailing addresses on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Again, I called Experian on XX/XX/2023 regarding this as well with no success. 

XXXX and XXXX on the other hand, removed all of the outdated mailing addresses and incorrect/other versions of name within XXXX hours with no issues!

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 2023-07-23 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: 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 the 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 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, 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

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