vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 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: MS

Complaint narrative:
Experian is currently reporting the collection account from XXXX XXXX XXXX Account # XXXX with a past due balance. This is incorrectly reporting and after several attempts, the problem has not been addressed, nor has the reporting been validated or verified.

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 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I filed a complaint with your agency XXXX American Express after multiple letters and emails from me, finally responded to the Government with a bogus, lying explanation. 

I have multiple emails to me from different people who told me, my card did not exist on their system ... .my card which says XXXX. 
THEN ALL OF A SUDDEN WHEN THE GOVERNMENT IS LOOKING AT THEM, they come up with a lame exuse that I cancelled the card. What????? Why would I cancel a XXXX XXXX XXXX. 

AMERICAN EXPRESS HAS NOW LIED TO A FEDERAL AGENCY. 

I demand a full explanation. when was this card issued? What records ( all of a sudden after 4 months of inquiring and being told their computer doesn't have a record of my card, they come up with this wild story " i '' cancelled it??? WRONG. 

IF SOMEONE GIVES ME A CARD WORTH {$100.00}, i DON'T CANCEL IT ... THAT IS A NUTS STORY THEY GAVE YOU. 

YES, they called twice, but never answered the phone when I returned a message. Ignored my voicemails when I could be reached. 

American Express has lied to you. My plastic card has prepaid gift card phone number on back of it. An XXXX number which I initially tried ... .but their computer had already erased it because it expired... according to card front in XXXX -- during the height of the covid lockdowns, so it was never used until I tried in XXXX. 

I ask the government to keep this open. American Express is lying, bluffing, failing to honor a pre paid card ( per the card itself ) and changing its story already in emails to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : 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 XXXXXX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-10-18 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2022-10-18 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-10-18 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
An unknown, unrelated, XXXX XXXX account appeared on my online list of Truist accounts. I immediately reported it to the bank 's fraud phone line but they could not explain it or fix it or change my account numbers. I called the XXXX XXXX XXXX whose mystery account showed up on my online list, but they could not explain it or fix it. I reported this fraudulent activity in person to a Truist bank officer, who issued me new checking & savings account numbers & ordered a new credit card. She ordered replacement checks with the new account number with assurance that the charge would be credited via the customer help line. She said she could not waive the charge herself as she had been able to before the bank became Truist. Eventually {$32.00} was charged for replacement checks that were required due to the reported fraudulent activity, which the bank officer promised would be refunded by Customer Care. When the charge appeared I called Truist customer care, but the phone representative would not issue a credit & would not escalate my call. The reported fraudulent activity is STILL present online & uncorrected. Also, with the change in account numbers, I lost online access to all of my previous years of statements ( under the previous account numbers ) -- the information is now missing, it was not transferred or carried over to the new account numbers. This caused an outstanding check to be returned with a insufficient funds fee of {$34.00} that I repaid the payee. The credit card stopped sending statements & alerts & for a time I lost access to old & new accounts, resulting in a late fee I only discovered when I got a robo phone call ; once online, I also noticed a {$38.00} discrepancy in charges. I sent them a separate complaint with prepaid return receipts costing {$18.00} that they did not send back. They refunded the late fee but not did not send a reply or address the discrepancy. In XX/XX/2022 I sent a new complaint to Truist ( 6 pp letter plus 18 pp of attachments ) & have not received a reply, acknowledgment, correction, refund, or apology.

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 2022-10-18 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:
IDENTITY THEFT REPORTED ON THE ACCOUNTS BELOW : ACCOUNTS WERE OPENED AND INQUIRIES WERE DONE ON MY CREDIT REPORT. 

ACCOUNTS : 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

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 2022-10-18 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:
IDENTITY THEFT REPORTED ON THE ACCOUNTS BELOW : ACCOUNTS WERE OPENED AND INQUIRIES WERE DONE ON MY CREDIT REPORT. 

ACCOUNTS : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I purchase the Vanilla gift cards to hand out as incentives to my clients and when the client or myself open the cards they are already drained or partially used, this happens 8/10 times where I have to now stop using them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Financed new windows through XXXX XXXX. They broke our project up into 2 loans with 2 different financing companies. We have had problems since day 1 with XXXX XXXX. This project has been going on for 2 years now and still is not complete. I have numerous documents, e-mails, etc going back and forth. I have had numerous XXXX XXXX contractors, window manufacturers, managers, etc at my house trying to get this job completed. Every time it seems like we are getting somewhere all of a sudden that person is no longer employed with XXXX XXXX and we have to start all over. I have a list of so many names that we have dealt with that are no longer employed with window nation. This project has been a night mare trying to get new windows in my home. I have been paying on the one loan since the very beginning, but I was originally told by Service Finance not to sign off on any final documents until I the job was complete and we were satisfied. We continued to stay in communication with service finance and tell them the job was not getting done and explain all the problems we were having, they even told us they were having problems with XXXX XXXX communicating with them. Well about a year ago Service Finance started having new people take over our account and they have been very rude and nasty. They have told us they don't care if the project is done or not they are releasing the money to XXXX XXXX and we are responsible to start paying this loan. We have been asking to speak with a manager and are told one will call us back well that was from XX/XX/2022 and we have not received a call from a manager yet. When my husband spoke with Service Finance again today and asked to speak with a manager he was told NO and transferred to the complaint dept and spoke with a XXXX who said she saw all the notes on our account and we needed to pay this loan no matter if the job was done or not. We still do not have our new windows in and are now being forced to pay on the second loan. So XXXX XXXX is paid in full and our job is not complete. Where is our protection? Where are our rights? Why am I being made to pay for services I did not receive? Service Finance is a very rude and Nasty Company along with XXXX XXXX. I would not recommend either of these companies EVER!!!!

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 2022-10-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I do not have an account with this creditor. I have disputed this account on several occassions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: MI

Complaint narrative:
I do not have an account with this creditor. I have disputed this account on several occassions 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 2022-10-18 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: MI

Complaint narrative:
I do not have an account with this creditor. Inaccurately reporting account is open. 


XXXX XXXX XXXX Last reported XX/XX/2022 {$680.00} Open balance

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've tried to address this Bankruptcy with Experian for months and they continue to ignore the problem. I've sent letters requesting validation and verification and nothing has been done.

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 2022-10-18 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. 
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 XXXXXXXX, has all 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 2022-10-18 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 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  account # XXXX, has all 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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I called Experian today and was hung up on. There are 3 accounts on my credit report that shows now status. ( 2 with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX My payment history and ontime payment information is missing. The credit limits are also missing. There is a XXXX point difference between my credit report with Experian and the other agencies. I was denied for credit 2 times this month due to the information not reporting on my credit report. There is something wrong with Experians systems and it is against the fair reporting credit act to not dispute information properly. 

Please review the statements attached and update my credit file.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I called Experian today and was hung up on. There are 3 accounts on my credit report that shows now status. ( 2 with XXXX XXXX XXXX XXXX XXXX XXXX ) My payment history and ontime payment information is missing. The credit limits are also missing. There is a XXXX point difference between my credit report with Experian and the other agencies. I was denied for credit 2 times this month due to the information not reporting on my credit report. There is something wrong with Experians systems and it is against the fair reporting credit act to not dispute information properly. 

Please review the statements attached and update my credit file.

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 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
my chase XXXX visa cc keeps getting declined i have to call them on a daily basis to get charges to go through they keep saying it is my address but my address has not changed since i got the card

Company response to consumer: Closed with explanation